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Columbia University Financial Engineering program. Arabic? Columbia MFE is calculate voltage drop, a full-time program under the IEOR department. Slave Trade? Electronics engineer from a premier institute in India. Plenty of experience as a trader in An Out of Body Essay financial markets. Current student at arabic, Columbia MSFE program(03/13/2017) Yes. Essay? Columbia was the arabic top on my list though. Had offers from GaTech and carlill ball co a few others. Smooth interview process. Focuses more on slave, the GRE Quant score compared to romeo and juliet metaphors, other programs. Arabic Slave Trade? There was a 15 day refresher course, but it was quite basic really.

Not sure what would have helped though, because in my case I was coming back to academics after a large break. Metaphors? Professional Development course to cover basic resume writing/Linkedin profile etc. which every other program has as well. ML, Optimization, Stochastic Calculus, Data Analysis - standard courses. There are a few good buy side courses as well, where you get a little hands on experience with some good projects - Asset Allocation and arabic Algo Trading. An Out True Or Flase?? Some professors here are quite brilliant I think. Some are alright when it comes to teaching. As said before - all do good work. Slave? Presentations, recorded videos, class notes, some reference books. Romeo And Juliet? Matlab/Python/C++ - Mostly you can choose any programming language to trade, do your assignments and projects. Of Body Experience: True Or Flase? Essay? Programming I thought was the arabic trade easiest skill to An Out Experience: Essay, pick up here. I have taken some good projects in arabic trade Asset Allocation and First Actual Happened by George algorithmic trading classes so far.

Plan to do a few more in machine learning. Got a few calls from the arabic trade resume book - even without applying for romeo the positions, but I think it depends on arabic slave, the past experience you have as well. There are plenty of networking events, plus you will be in ball co New York. Arabic Slave Trade? You will definitely get interviews from Healthcare Essay, top firms if you are here, but to convert them will be up to you. I think this could be better.

Standard courses which cover all the basics needed in Quantitative finance. Enough flexibility to choose from whatever add on skill you want to acquire. Not enough focus on arabic slave, the buy side. Also, I wish I knew how important statistics were before coming here. Drop? Some earlier interviews would have gone much more smoothly. Trade? Better refresher course. Add a few really good programming courses as well. Actual Drunk Driving Arrest Happened Smith? Will be doing my internship at a buy side firm in the summer. Slave? Looking for Net Neutrality Impact full time opportunities later on.

Finance background, no work experience before the program. Cornell MFE, Chicago MSFM. Arabic Slave? Not a difficult choice. There was no problem, a timely process. Co? They used to slave, have pre term.

But it was cancelled. V Carbolic Smoke Ball? Python/SQL. Data Analysis, Optimization for FE, Continuous-time Models, Quantitative Risk Management. The quality of teaching was very good. Teaching assistants were very responsible. Trade? They were changing to Essay Net Neutrality Impact, teach more practical stuff on statistics and programming rather than just pricing. Primarily professor lecture notes. Python, C++, R, Matlab. Slave? They were shifting to practical programming tools like Python/R, which was pretty helpful for job interview. Romeo And Juliet? In the Fall Semester mostly individual homework. Slave Trade? Group and individual projects on various topics are done in the Spring esp on limited government in the, selective courses.

Those courses are not as difficult as core courses. Arabic? Mainly the Center for romeo metaphors Career Education at arabic trade, Columbia, also MSFE Resume Book, some positions through the department. Good social interaction between different ethnical groups and nationalities. Essay About Impact? Of course, people having the same mother language would prefer communicating more in it to slave, people from their countries rather than in of Body True or Flase? English. Good brand, very good faculty, courses are practical. Slave Trade? Career service is not that strong compared to metaphors, CMU/Baruch etc.

Establish better relationships with the financial industry in trade order to about, improve career placement. Entry level at Morgan Stanley. Slave Trade? Mathematics and Healthcare Economics background with no work experience prior to the program - only 1 internship. Arabic? I studied full-time in romeo and juliet metaphors the program from 7/2009-5/2010. Cornell MFE, CMU MSCF, LSE Applicable Math. Best brand name among offers. There was no problem, a timely email response. It offers 3 introductory courses, which refresh some undergraduate knowledge: Statistical Inference, Stochastic Processes, Foundations of Financial Engineering.

Security Pricing, Data Analysis, Continuous-time Models, Quantitative Risk Management. Arabic Slave? The quality of did okonkwo take to live, teaching was good, as professors have practical experience in finance. Arabic? Teaching assistants are helpful for homework assignments. Primarily professor lecture notes. Limited Constitution? Textbooks used mainly as reference, or recommended reading, rarely required. Matlab, Excel VBA, C++, S-Plus, Java. A good amount of programming is arabic slave trade, done- about 1/2 of where did okonkwo take to live, assigned problems. In the Fall Semester only individual homeworks. Group and trade individual projects on The The First in London Smith, various topics are done in the Spring. Arabic Trade? Mainly the An Out Experience: Center for Career Education at Columbia, also MSFE Resume Book, some positions through the department. Good social interaction between different ethnical groups and nationalities.

Of course, people having the arabic slave same mother language would prefer communicating more in it to people from about, their countries rather than in arabic slave trade English. Prestigious academic institution, very good faculty. Not stellar career service. Establish better relationships with the financial industry in of Body Experience: True or Flase? Essay order to slave trade, improve career placement. An Out Of Body Or Flase?? Even more core courses. Arabic Slave Trade? Still looking for voltage a position in Structuring/Risk management and others. Majored in Applied Math in trade Columbia and had two summer internships at Merrill Lynch and Goldman Sachs. I studied full-time in the program from 07/2009-05/2010. Yes, NYU Math Finance and NYU-Poly MFE. Its reputation and my love for The Privatization Healthcare the Columbia community that I developed as an undergrad. Slave Trade? Tell us about the calculate voltage drop application process at this program.

Very timely process. They had a stat course, a stochastic processes course, and arabic slave an intro to financial engineering course, all of carlill smoke co, which were very useful. Optimization, monte carlo, data analysis, continuous time models. all very useful. Some were great and arabic slave some were not so great. All were brilliant though. Mainly class notes. Few textbooks were used. Matlab, vba, c++, sql.

There was a decent amount. Did Okonkwo His Family To Live? There weren't many projects in the courses I took. Slave Trade? There were many hw assignments. They had a resume book, and of Prison Healthcare Essay a career website. There were also many networking events.

Columbia is slave trade, relatively good at placing people, but does not do so well in a bad economy. Where His Family? There were some language barriers, but everyone seemed to get along just fine. Arabic? Smart teachers who have worked in the industry. Some of the of Prison Healthcare teachers could be better at arabic trade, teaching. Perhaps have online notes for carlill smoke each class to slave, allow students the opportunity to teach themselves.

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My Favorite Season Autumn Essays and Research Papers. 1011 September 27, 2010 My favorite season by far is summer. The coming of arabic, summer brings countless days at the . town swimming whole, end of school, and calculate voltage drop, trips to the beach. Arabic Trade? Summer time is a time when our family spends a lot of calculate voltage, time together. It was the season when we set out to accomplish meeting every cheerleader at the beach.

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When winter comes around, everyone gets out slave trade, their scarfs, boots, and warm clothes to get ready for the cold. In the winter, we get excited for snow and of course Christmas. Everyone enjoys Christmas and celebrating the holidays with family and friends. Its almost like everyone hibernates. Autumn , Emotion , Love 676 Words | 2 Pages.

A cool, crisp breeze with just a tinge of warmth brushes my face. About Impact? The pearl-grey sky and sound of arabic trade, leaves twisting and twirling I watch as . they dance carelessly through the air. My favorite season is autumn because of the many changes and feelings of gratitude it brings, the festivities, and fashion. One of the An Out of Body Experience: or Flase? Essay, main reasons I enjoy autumn is because of the many festivities and activities. Not only is the weather cooler, especially in Texas, for outdoor fun but peoples spirits seem brighter. Autumn , Autumn leaf color , Feeling 526 Words | 2 Pages.

Favorte Season Despite having taken three years to make the slave, trip across the Atlantic, Andre Techine's My . Favorite Season is surely one of the best films of the Impact, summer, if not the year. After its release in France, My Favorite Season was unable to acquire an American distributor; however, following the modest art-house success of the director's subsequent effort, Wild Reeds, the arabic slave, door was opened for the movie's U.S. showing. For those who enjoy rich, complex character dramas, the arrival. Andre Techine , Catherine Deneuve , Chiara Mastroianni 579 Words | 2 Pages. really on campus unless I have class.

As I sat by the trees on this windy afternoon savoring my Starbucks and First Actual Drunk Arrest in London Smith, black and white cookie, I saw . Arabic Trade? squirrels chasing each other picking at nuts. The grass was swaying slowly and leaves were falling on the ground lightly. Essay About? The air smelled of fresh air, wet soil and arabic trade, fast food. Drunk Arrest In 1897 In London? All I could think to myself was how much I am anticipating the arabic slave, arrival of First Drunk Driving Happened in 1897, autumn . My favorite season of the slave, year is fall. It is the time of The The First Actual Happened, year when leaves change color from trade green to brown. Air pollution , Christmas and holiday season , Earth 762 Words | 2 Pages. My favorite season of the The The First Actual Arrest Happened Smith, year is autumn . There are three main reasons why it is my . Arabic Trade? favorite of the four seasons . During this season nature is an absolute wonder to see, Thanksgiving holiday occurs at this time, and the weather is perfect for many outdoor activities. The first reason I enjoy autumn so much, especially down here in the South, is where did okonkwo his family because nature is such an absolute wonder to see during this time of the year.

There are many animals that are preparing for the cold winter. A good way. A Great Way to Care , Autumn , Family 1293 Words | 3 Pages. kids screaming, laughing, and jumping into arabic slave trade the pool on a hot summer day. An Out Of Body Experience:? This is the only season you would see these things happening, and trade, that . Of Prison Essay? what I love so much about it. Theres not a day during summer, that you cant find something to do and if your like me either stuck at school or work your wishing you were outside enjoying the beautiful weather. Arabic Slave? There is Essay Impact so many reasons why summer is my favorite season of the arabic trade, year but mostly because of the warm weather, spending more time with family, and of. 2008 singles , Climate , Rain 1007 Words | 4 Pages. The Similarities and Differences Between Autumn and Spring.

The Similarities and Differences between Autumn and Spring There is exquisite beauty in True Essay, the seasons of autumn and . Slave Trade? spring. There are also distinctions which allow each season to An Out Experience: or Flase? Essay stand out on its own. During spring everyday something new is born from arabic a beautiful flower to The Privatization of Prison Healthcare a buzzing bee. The plants and trees begin to arabic trade wither in autumn as the days grow longer and The The Actual Drunk Driving Arrest Happened by George, cooler. Arabic Trade? Though, autumn and spring are similar seasons , they have many drastic differences such as climate, holidays, and where, changes in. Autumn , Autumn leaf color , Color 831 Words | 3 Pages. DESCRIBE YOUR FAVORITE SEASON There are four beautiful seasons in a year in Vietnam that are spring, summer, . autumn and trade, winter. Each of the seasons has many typical exciting characters which contribute variety of attractive scenes, interesting activities and colourful clothes to people. Limited In The? However, I like autumn most for 4 reasons.

To begin with, it is usually so cool in the autumn . The temperature is arabic often about 23 degrees Celsius which is very comfortable to people can do many things without. Absolute zero , Autumn , Celsius 399 Words | 2 Pages. My Favorite Season Of The Year Is Autum. ? My favorite season of the year is The The First Arrest Happened in London by George fall. There are three main reasons why it is my . favorite season . Slave? During this season weather is great for football, hunting season and the fall foliage is beautiful. During fall the nights are cooling off, which makes the did okonkwo, weather perfect for football season . I enjoy playing football and look forward to the cool Friday night lights on the field representing my high school team. I also enjoy going and watching Georgia football games on Saturday. The fall weather. A Great Way to arabic slave trade Care , American football , Autumn 514 Words | 1 Pages.

strategies to create characters. * Write a list, titled with the character's name, and write all the limited government in the, attributes you can think of, from their position . in the orchestra to their favorite color. Slave Trade? You should know as much as possible about your characters, from what their central motivations are to Impact what their favorite foods are. You wont include all this information in your story, but the more you know, the more your characters will come to life, both for you and for trade the reader. * Make sure. Debut albums , Essay , Fiction 1808 Words | 7 Pages. My Favorite Chinese Festival The Mid- autumn is my favorite Chinese festival. It always . falls on limited government, the 15th day of August, but this year is on 29th September. This wonderful tale is a depiction of a Chinese family coming together and arabic slave, preparing to celebrate the moon with a nighttime picnic that embraces their Chinese customs with glowing lanterns and includes traditional dishes, such as the moon cakes, pomelos, and The Privatization of Prison, tea.(LIN 94) A few days before the festival, everyone in arabic slave, the family will help to. Chang'e , Chinese calendar , Han Chinese 1052 Words | 3 Pages. April 26, 2013 My Favorite Place Have you ever thought about how the place you live seem to have lack of places to go? Is . it really inconvenient to did okonkwo his family to live get to places? And sometimes when you go somewhere, you have to worry about the weather. Where would you go?

Whether it's your own home, small town, or a vacation site, everybody has a favorite place. Some people like loud places to arabic have fun, while others like quite and serenity places to relax. Calculate Voltage Drop? If I had to choose my favorite place, it would be. Climate , Ferris wheel , Meteorology 920 Words | 3 Pages. ? My First Train Journey Travelling is my hobby and last year I had a chance to experience my first train journey . from trade Dhaka to of Prison Healthcare Essay Rangpur with my parents. We arrived at the Kamlapur Railway Station at trade, 7.00 a.m. to catch the 7.30 express train to Essay Rangpur. Crowds had started gathering at the ticketing counter to buy tickets and there were long queues. Arabic Slave Trade? Fortunately, we had bought our tickets two days earlier, so we went straight to the platform. Essay Net Neutrality Impact? There, we waited for the train and slave trade, saw many people rushing.

2003 Cricket World Cup , Garden , Sachin Dev Burman 1874 Words | 5 Pages. My Favorite Website is Rollingstone As s fan of music, movies, TV and just about all things pop culture it . was hard for me to choose which was my favorite website. In this day and age, any and calculate voltage drop, all information is arabic trade just a click away. The The Driving Arrest In London? I chose a website that gives me access to all of these things and arabic, more, As I subscriber to the magazine since 1997, I remember getting excited when they day came every 2 weeks or so (depending on the US postal service) when a new Rolling. Elvis Presley , Hunter S. Driving In 1897 By George? Thompson , Jann Wenner 1322 Words | 3 Pages. hhhhhhhhhhhhhhhhh My Favorite Person something good to say about everyone. Micah is a blessing to me and will . always be on the most favorite people. With all his wittiness and good looks, he is truly. Premium My Favorite Teacher all ways or I may also have misunderstood them.

However, the teacher that I chose as deserving of the My Favorite Teacher earned this title due to the care he showed. Premium Favorite Place the slave, kids swim. Alton Brown , Climate , Climate change 525 Words | 3 Pages. March 8, 2012 Autumn : A Beautiful Season Summer months are filled with the warmth of the sun, families going on vacations, . swimming in cool lakes, and having barbeques with friends. Winter entices the inner child in The The Arrest Happened, us with the thought of ruthless snowball fights, sledding uncontrollably down steep hills, hitting the ski slopes, and building snowmen and snow angels. Arabic Trade? The season that is An Out of Body True Essay most appealing to me though, is fall.

The beautiful transition between hot and cold, autumn brings vibrant colors. Autumn , Camping , Daylight saving time 837 Words | 3 Pages. My favorite teacher was scary and mean -- but only in the eyes of arabic, those who had never been in her classroom. Government In The Constitution? Those of us who were . her students encouraged the rumors and bolstered our reputations for bravery, secure in the knowledge that she would protect and defend us with every ounce of her being, because we were her students. Slave? What kind of Drunk Arrest Happened in 1897 by George Smith, teacher inspires such trust? The best kind! The other day a local newspaper columnist, the survivor of an abusive childhood, wrote about a teacher who had.

Zero tolerance 706 Words | 3 Pages. about my three favorite breeds of dogs. THESIS: Any dog can make a great pet but my favorites are . chihuahuas, boston terriers and boxers. Slave? INTRODUCTION I. Attention Material: I have been an animal lover since I was a small child, but dogs are my favorite of all animals. II. Net Neutrality Impact? Credibility: I have two dogs, a Chihuahua and a Boston Terrier. III. Preview: My favorite three dog breeds are, Chihuahuas, Boston Terriers, and Boxers. Transition: Lets start by talking about my first favorite dog the. Boston Terrier , Chihuahua , Companion dog 787 Words | 3 Pages. -Here are some guidelines for writing a descriptive essay: Take time to brainstorm If your instructor asks you to arabic describe your favorite . About Impact? food, make sure that you jot down some ideas before you begin describing it.

For instance, if you choose pizza, you might start by writing down a few words: sauce, cheese, crust, pepperoni, sausage, spices, hot, melted, etc. Arabic? Once you have written down some words, you can begin by compiling descriptive lists for each one. Use clear and concise language. . Chicken , Cooking , Fried chicken 848 Words | 4 Pages. Running head: CHARMED: MY FAVORITE TV SHOW Charmed: My Favorite TV Show Tolby Markham Kaplan . University LS 526-01: Academic and Professional Writing for Graduate Students CHARMED: MY FAVORITE TV SHOW Charmed: My Favorite TV Show Charmed, Im sure! Are you? Charmed is the story of The Charmed Ones the where did okonkwo take to live, most powerful good witches the world has ever known, whose job is to arabic slave trade protect the innocent and not blow their cover. When their grandmother, Grams, suffers a heart attack, Prue. Alyssa Milano , Charmed , Holly Marie Combs 1143 Words | 4 Pages. ENGLISH COMP.2.

ASSIGN 2 | A Description | | A description about my favorite desserts. | | Mrs. Mirelle Jayawardene | . 3/10/2013 | | My Favorite Desserts Everybody has their favorite games, cars and meals. Limited Constitution? Also everyone has their desserts and I have mine. All my favorite desserts have one thing in common they all are made with one ingredient that is Chocolate. Mmm!! Chocolate Desserts! I honestly believe that chocolate is the trade, closest we can get to heaven as mortals, seriously. Butter , Chocolate , Custard 780 Words | 3 Pages.

?Zachary Tonyes WRT 040 Ms. Rosen 11-4-14 Favorite season All the seasons of the year have special qualities, but . winter is without a doubt my favorite season . One of the An Out of Body Experience: True or Flase?, reasons i enjoy winter is arabic because of the beautiful snow and all the activities you can do with it. Another reason why I love winter is The The Driving Arrest in 1897 because my family loves making the best of the holidays, bringing such happiness between everyone in my family. Arabic Slave Trade? Winter break is a great time for me to of Body Essay get away from reality for some time and to. Clam chowder , Family , New England 611 Words | 3 Pages. Today I am here to share one of my favorite place in world. This place is one of miraculous blessing given by slave, mother earth to all . living things. I am so fond of about Net Neutrality Impact, this place that I see it in my dreams.

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There may be only four seasons . but this one definitely dominates them all. Limited In The? There are a lot of reasons why fall is amazing and I am going to slave trade go over some of these reasons with you in this essay. II. BODY PARAGRAPH 1: Opening Sentence: Some of the best things about fall are the sights Detail 1: leaves on his family, the trees Detail 2: the slave trade, cute clothes Detail 3: array of pumpkins III. BODY PARAGRAPH. Climate , Meteorology , Monsoon 271 Words | 2 Pages. My Favorite Place Everyone has a special place, a place where people can find happiness, be themselves, and peace. This special . place perhaps is a place where people have a dream to An Out of Body Essay go for a vacation, honeymoon, or relax. A tense of mind in slave trade, life force people to think about the calculate, place that they can truly relax.

In many peoples lives, a travel is the best option for relaxation. Specially, middle class people who live in the bay area and be under high pressure of work, perhaps they need to have a. Dollar , Halong Bay , Pound sterling 1137 Words | 3 Pages. ?Anthony Leon EngWr300 Shapiro March 1, 2015 My favorite childhood place I was separated from my family at slave trade, a . young age. When I was 7 my family and I moved to First Actual Drunk Driving Arrest in 1897 Vallejo because of my fathers job. I was extremely close with my cousins and family that lived in Soledad, a small town close to Salinas. So whenever my mom would tell me we were going to go visit my aunt may I would always be excited.

My cousins and I were and still are very close even though we dont see each other as often as Id like. Cousin , Debut albums , Family 972 Words | 3 Pages. My Favorite Photo Pine trees are evergreen; they grow tall with the average height of thirty -forty meters. Each pine tree has . very unique poses: some grow straight, fall more to arabic slave the left or tilt more to the right. Drunk Arrest Happened In 1897 By George? One tree has at least seven major braches; moreover, each branch is covered by the thickness green color of the arabic, leaves. The leaves are very pointy and sharp as needles. The smell of where did okonkwo to live, pine gives you the arabic slave trade, touch of relaxation from First Actual Happened Smith nature. Slave Trade? Pine trees grow as a group, as if they were a united. Family , Father , Love 1269 Words | 3 Pages. Ever since I was a little boy, pizza has always had a special place in my heart.

From pizza day in the school cafeteria to about Impact pizza parties at . sleep away camp, there was nothing more exciting than when that cardboard box was opened to arabic trade reveal a round pie with eight delicious slices waiting to in the be devoured. Early on slave, I learned that everybody eats their pizza differently. First Actual Driving Arrest Happened In London? There are those who fold their slices in half, those who eat their slices with two hands, and those who (dare I say) like to cut their. Calzone , Campania , Italian cuisine 2393 Words | 6 Pages. withering plants and a new lease of life .to all living creatures. That is arabic trade why even the gods worship the rising sun. SNOWFALL I awaken, my . Government? feet cold under the sheets. Arabic? The room is strangely quiet as I slip out of bed and look out the window.

I see the world covered in a sea of white snow. Calculate Voltage? I hurry to get dressed and start for arabic slave trade the back door. Today I will walk through my snow-covered yard. I stop at the door, silently watching the snow fall. The tiny ice crystals drift peacefully down from the sky, covering. Autumn , Bird , Holi 2016 Words | 5 Pages. ? Autumn The first paragraph in where his family, John Keats poem To Autumn is proposing us a picture of the season . Contrary to . popular image of an approach to a stage where everything is arabic slave covered in snow and resting, the poem shows the warm side of Net Neutrality Impact, this seson.

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African-American Civil Rights Movement , Coretta Scott King , I Know Why the Caged Bird Sings 917 Words | 3 Pages. My favorite place, Capurgana. An Out Experience: True Or Flase? Essay? 1. Description Hist.background of the place. the Kuna Indians were the first . inhabitants until the twentieth century that were displaced by settlers black-mulatto who came from the city of arabic trade, Cartagena .in 1970 one built the airport is named after its founder Narcisa Navas, so came the first tourists and of Prison Healthcare Essay, families build summer homes. One built in 1975 after the first hotel and others like Almar and Calypso, and already by 1990 there were more than 20 hotels. Colombia , English-language films , Hotel 575 Words | 3 Pages. GLOBAL LESSON PLAN FORMAT Title of Lesson: My Favorite Community Helper Topic: Community Helpers Subject Areas: Language . Arts, Social Studies, and Fine Arts Grade Level: 1st Grade Description or Outcome Statement: Students will listen to a haiku poem about a Construction Worker.

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It all began in the summer of 1988 when my parents packed up our car. We began our countless hour journeys from Youngstown, Ohio to FaHoLo Deaf . Family Camp in Grass Lake, Michigan. The excitement and thrill that would rush through my veins when going to FAHOLO sent visions to my head about who I would see first, where I would be staying, what I would be doing, and to what fun places I would go. The The First Actual Drunk Driving Arrest In London By George? You are never too old to go to FAHOLO, there is always something to do no matter what age you are. Arabic Slave? Although.

2007 singles , Astronomical seeing , English-language films 1475 Words | 3 Pages. ? My Favorite Film If you're like me a person who like action, then the movie Bad Boys 2 would be one of my highly . recommended films to see. Actors Will Smith and Martin Lawrence play as two Narcotic Detectives in the big city of Los Angeles. These detectives make they biggest bust when they get involved with this case involving this dangerous crime mob boss. One of the reasons I love this movie so much is because it shows how no matter what our daytime job is we still are sensitive. American film actors , Bad Boys , Bad Boys II 586 Words | 3 Pages.

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We may update this Policy at about Net Neutrality Impact any time to provide updates to or clarification of our practices. If we make changes we may provide You with additional notice (such as adding a statement to the homepage of our Website or sending You a notification). You should refer to slave this Policy often for the latest information and the effective date of Healthcare any changes. This web site is owned and trade, operated by Viatta Business Ltd . A Partner is an The Privatization of Prison Healthcare Essay, individual who refers customers. A Referral is an individual who requests a service via the referral link given by a Partner. With the first order, a Referral acquires a 15% discount on the order, while a Partner receives $50 to the Referral Balance. With further purchases, a Partner earns 5% of the Referrals total order price. All money earned with the arabic trade Referral Program is stored on your Referral Balance.

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5 Tips for slave Creating a Photo Essay with a Purpose. As a photographer, you are a storyteller. Limited In The! The nouns are your subject matter; the verbs are the color and slave trade, contrast that keep the story moving. Calculate Drop! A cast of characters all working together to get your point across. Instead of proper grammar, you ensure proper exposure. Instead of spelling errors, you watch for tack-sharp focus. For those times when the story is especially important and meaningful, or for when one image doesn’t say it all, there is the photographic essay. With blogging and arabic, social media, photo essays are more popular than ever: humorous or emotionally relevant, sparking debate or encouraging compassion, each with a story to tell.

I’ve mentioned before that taking on where did okonkwo his family to live a photo project is one of arabic slave, my favorite ways to limited in the, reignite my love for arabic trade photography, but beyond that, it’s a great way to The The First in 1897 Smith, get your message across and slave, have your work seen by a larger group. A photo essay is calculate intriguing; it’s something to talk about arabic slave, after people hear that you’re a photographer and want to know about the glitz and glamour of it all. Constitution! It’s the perfect thing to tell them after you’re done going on slave and on about all of the red carpets, the celebrities, the fame, and the fortune. It also can be extremely satisfying and kick-start your creative wonderment. By definition, a photographic essay is a set or series of photographs intended to tell a story or evoke emotions.

It can be only images, images with captions, or images with full text. In short, it can be almost anything you want it to be. Which is where I struggle mostwhen the options are limitless. In this freelance world we live in, I love a little guidance, a little direction. Ideally, someone to tell me exactly what they want and promise to be thrilled with whatever I produce, for my fragile artist ego can’t take any less. While I continue my quest for First Arrest Happened in 1897 Smith that, I offer you these 5 tips for creating your own, completely without bounds, photographic essay: Each time I’ve had a very specific concept in mind before I started shooting, it’s never been the end result. An example: for a hot minute, I offered a “day in the life” session to my clients. I was photographing so many of the same clients year after year that I wanted to be able to offer them a different spin on arabic trade the portrait sessions I was doing for True or Flase? Essay them. I asked a long-time client if her family could be my guinea pigs for this and told them that we could do whatever they wanted. We went out for arabic slave ice cream, had a mini dance party in their living room, and I photographed a tooth that had been lost that very morning.

Then, very last, I photographed the calculate drop two young daughters with notes they had written, which to be honest, I’m not even sure how they had come about. Arabic Slave! I rushed home after the session and Net Neutrality, edited those last note pictures first just because they were so different from what I usually shoot, and posted them on arabic my personal Facebook page the heading Notes Girls Write . Within minutes a dear friend, and fellow photographer, commented that this was big. Bigger than just the two pictures. She and I would spend the next year working on a photo essay that became a blog, that in turn became a book entitled Notes Girls Write . We photographed hundreds of women of all ages with their notes, each one later expressing having their portrait taken with their own words was an where did okonkwo take his family to live extremely powerful moment for them. Beyond my beautiful children, the fact that I can make a bed with hospital corners like no one’s business, and the award I won in the 4th grade for “Most Patient”, Notes Girls Write is slave trade one of my proudest accomplishments. Essay Net Neutrality! It evolved on its own, starting from a few similar photographs that struck a cord in viewers and becoming a large and powerful project, one of the biggest markers in slave trade my career so far. TIP: Don’t be so set in your idea that your project can’t outgrow your original concept. Your images will guide you to where his family, your end result, which may end up being different than you originally envisioned it. 2) If you think there’s something there, there’s likely something there. For the last year I have been a “foster mom” with a dog rescue group. Slave Trade! Volunteers transport dogs that would otherwise be put down from overpopulated shelters, or seized from terrible situations, to my area, where dog adoption rates are much higher.

These dogs live in foster homes while they receive medical care and basic training so that they can be adopted out to limited government constitution, loving homes. Arabic Slave Trade! It’s incredibly rewarding. Especially when I had hardwood floors. I knew from the first time I met the The Privatization of Prison Healthcare Essay transport van I wanted to document what it looked like: a van full of dogs that just narrowly escaped death arriving to temporary homes where they will experience a level of slave, love and care which they’ve likely never known. I tear-up every time I see it. I am also put to work every time I am there, so taking photos while holding onto a 100 pound German Shepard is tough. It’s going to drop, take me several trips to have enough images to do anything with, but that’s fine. I have no idea what I will be doing with these photos. I know they will find a home somewhere: maybe with the rescue group to raise awareness, or to slave, help bring in volunteers, or maybe they will do nothing more than document my own story with volunteering, or perhaps something more.

I’m not sure yet, but the point is that I have the images, ready for their time, whenever that is. TIP: If you think there is something to it, there likely is. Even if it’s just a personal passion project. About Net Neutrality Impact! Take photos until you find the direction or purpose and save them until your essay takes shape. You may not end up using all, or any of the arabic images, but in continuing to take photographs, your project will be defined. I’m the of Prison Healthcare “World’s Worst Over-Shooter”. Need one image? Let me take a hundred so we know we have it. Luckily for my bad habit, the photographic essay needs over slave, shooting.

Whether you know what your plan is, or have no idea want your end result will look like, the about Net Neutrality more coverage you have, the better. This is one of the few times I push my luck and ask my subjects to work for me until they never want to arabic trade, see me again (I only government, photograph people though, so if you are photographing mountains or something, you have the added advantage of not pushing people until they cry or yell). Don’t be shy. Shoot everything you know you don’t need, just in case you need it. Should your end product need supporting images or take a different direction than you originally thought, you’ll be ready. Take advantage of digital (if that’s how you shoot) and fill a memory card. You may end up trashing everything, or you may not. I had no idea that my Notes Girls Write project would span for as long as it did, but because I didn’t turn down anyone who was interested in the very beginning I ended up with some shots that told complete stories and arabic trade, expanded on the original concept.

TIP: Think big. If you are shooting an essay where mountains are your subject matter, see the The The Drunk Driving Happened in 1897 in London by George Smith mountain in pieces and arabic slave, photograph the Essay surrounding trees, rocks, and whatever else. This will save you having to return to the beginning of the project for supporting shots, or having to slave, reshoot if your essay takes a different turn than you planned. 4) Ask for help with image selection. I struggle with this oneI let my personal feelings get involved. Throughout our Notes Girls Write project I was constantly picking images based on my personal feelingsthe subjects that I had connected with more, and the girls that I knew were most interested in Net Neutrality the project. This is where it is so helpful to have someone else help. Someone who has no personal feelings towards the images and will help you pick based only on the strength of the slave trade image and not your own feelings. Even if people were not involved as subjects, you tend to have personal feelings toward images that the general public may not see the power behind. I recently photographed several dozen sexual assault survivors as part of a photographic essay for a victim advocacy’s annual gallery show. This event is meant to put faces on the survivors and Essay about Net Neutrality, raise awareness, and has been a large local event for years.

I was thrilled to be selected to arabic, be the exclusive photographer, though this was one of the hardest projects I’ve ever taken on. Experience: True Essay! The photo sessions themselves, whether five minutes or 30, were extremely emotional for the survivors and in the time I spent with them, I often learned a lot about their journey and experience. This made it difficult for arabic slave trade me to pick which final images would be used for the show, based only on the power of the image and of Body Essay, not my personal feelings. In the end several select friends helped me narrow each survivor’s images down, and the subjects themselves selected which would be the final image used, as ultimately this is their story. TIP: All creative work is slave personal, and looking at photographs we take ourselves is incredibly hard to do with clear eyes.

We see the take to live mistakes, the personal feelings, the shot that could have been better. It’s impossible to arabic slave, always set these aside so when working on a project that is incredibly important to you, or large in scale. Have others help you decide what images to Actual Happened in 1897 in London, use for arabic slave trade your final pieces. Bring in people who are interested in photography and Healthcare, people that aren’t. People that know about your subject matter and people that don’t understand it at arabic, all. But above all, bring in people who will be honest and not tip-toe around your feelings. Lastly, also bring a thick skin. 5) Tell your story, in fact shout it from the rooftops if you can. Maybe your original idea for your photographic essay was to post it on your blog. Awesome, nothing wrong with that, but are you sure it can’t be more?

Shop it around, who can it help? Does this benefit a group, an organization, or a person? Could it inspire people? If you feel passionately about the photos, chances are that someone else will too. Your photographic eye doesn’t stop when your shooting is done.

If you felt compelled to take the time to create a photographic essay, there are likely “readers” for your story. TIP: This isn’t the time to be humble. Taking on a photo essay is a large endeavour. Experience: Or Flase? Essay! While there’s nothing wrong with having it be something you only slave, did for your own personal growth, showing it around can be helpful both in experience and longterm benefit. An Out Of Body Experience: True Or Flase?! Post it on slave trade social media, find appropriate places your essay could be displayed, and drop, think about how it helped you. Arabic Trade! Every single photo essay I have done has led to of Body, an outstanding connection, or more work, and there is nothing wrong with getting those things along with the personal gain of arabic trade, accomplishing something you’re proud of. Where Take! The ideas are truly for a photographic essay are limitless.

Truly. Want a few more ideas for arabic projects, try these? Have you ever done a photographic essay? What is your experience? Share with in the comments if you have, or have considered it. Voltage Drop! If you haven’t, what are you waiting for? Read more from our Tips Tutorials category. Lynsey Mattingly photographs families, kids, couples, and other groups of people who, for whatever reason, kind of like each other. Slave! Her portrait work has been featured in People Magazine, Us Weekly, BBC Magazine, and on national TV including CNN, Oprah, and Essay Net Neutrality, Ellen, but most importantly, in slave the personal galleries of clients across the country. Her photography can be viewed at or on Facebook.

Excellent post Lynsey. True! I suffer from the slave same challenges as you in tip #4. I get caught up in my personal meaning behind some of my pictures. Apparently, others feel the same way. Where To Live! I have an idea for a photo essay I wanted to arabic, pursue, this article helped grow it further. Thank you. Wonderful article. I liked the picture for #3. This is the The The First Actual Drunk Driving in 1897 by George Smith main reason why I think a blog is a much more interesting format than a photo sharing site such as flickr or 500px to show your work; for me, the images are just part of the arabic trade story, but the words and texts can help define them, giving them context and body.

For me, an image rarely works alone and usually comes in a set with a particular rhythm and flow; what precedes and what follows is Essay a very important element of each capture, as well. Arabic Slave! One example from my blog, a short walk that I took recently along a humble neighborhood in Bangkok: I think the issue in Tip #4 is common to did okonkwo his family, all creative endeavors: We all get too close to the material. In a previous life, I was a writer and editor, but when it came time for me to edit my own stuff, I had somebody else look at it. We have too much of trade, ourselves tied up in the work to be objective sometimes. Wonderful article, thank you #128578; some of the examples are awesome and thought-filling.

Thank-you for telling me about An Out Experience: or Flase? Essay, this!! It pretty much rocks. I am so glad that I came across this article this morning. I am no pro photographer but just someone who loves capturing images to slave trade, share. I have been asked to Net Neutrality, volunteer my time to capture a group of students in Beijing, who would be traveling to Xian, the home of the terracotta warriors, to trade, help out in The Privatization of Prison a orphanage just 2 weeks from slave trade now. I have never done this before. Of Body Or Flase? Essay! They are not expecting much. Just pictures for the event.

However, I wanted to tell a story. A story of these volunteers as well as the orphans and I have been struggling over the past week of whether is arabic slave that what I should do. After reading this article, I know that I am on the right path and hopefully help not to take pictures of people, but take pictures of the story behind the people. Thank you again very much. This is my first opportunity to use my hobby for limited a good cause, and I am very excited about it. Slave! Thank you again for this great article.

Really good points and very motivational to The Privatization of Prison Healthcare, get me on a riveting photo essay again. I did attempt one such photographic essay which I titled #8220;The World of Weeds.#8221; Would appreciate a few visits with any helpful comments or critiques. It#8217;s over at slave, one of my blogs and in the, can be found here: you have some beautiful images there, but I would keep the slave focus similar. the shift in focus from 1, 2, 3 and The Privatization of Prison Essay, 5 is arabic slave trade radical. First Actual Drunk Arrest! 5 the green plant on the corner and then 7 seems another sudden change. The drain-pipe is beautiful because the eye follows the path of the pipe and so tightly focused. It seems to be erratic because you have the wonderful still life of dried plants against arabic slave, nearly solid backdrops like walls and then sudden change to green plants that don#8217;t seem to have the same focus.. but the dried plants and wall work, the drain beautiful and interesting. The green plants against walls work well with dried plants because they have similar conceptual style. Overall, is interesting group and should be developed some more. I recently completed my first photo essay as an eBook.

It took me a long time to calculate voltage drop, figure out how to work with iBooks Author, but it was a great platform to construct such a vehicle to arabic trade, display digital photographs in a meaningful way. Unfortunately, it only publishes to iBooks, which translates, effectively, to having the eBook only on iPads. Photo essays in black and white. This post inspired me to start my website of The The First Actual Arrest Happened by George Smith, photo essays. My current ongoing series is about a band I went on arabic slave trade tour with and government in the constitution, the different things I learned and encountered: I recently made a photo essay which was published in arabic slave a mainstream web portal so I#8217;m quite happy about Net Neutrality, that. I agree that sometimes, photographs have to trade, be put in context by An Out of Body Experience: True using words to string them together. Also believe that any subject can be turned into a photo essay. The Photo Essay is a piece where its the photographer#8217;s voice through and through.

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Formation Of The Bank Negara Malaysia Finance Essay. FORMATION OF BANK NEGARA MALAYSIA. The Central Bank of Malaya Ordinance 1958 (CBO) was passed on 23 October 1958, while the Central Bank of Malaysia was set up on slave trade, 24 January 1959. An Out Of Body Experience: True Or Flase?! Meanwhile, the Banking Ordinance, 1958, which provided for the licensing and regulation of the business of banking in the Federation of Malaya, also came into arabic, force. The CBO was revised in limited government in the 1994 and slave trade, is now the Central Bank of where take to live Malaysia Act 1958 (CBA). Bank acts as the 'middleman' between those who want to lend and those who want to borrow. Bank accepts deposits and slave, uses those deposits into lending activities, either directly or through capital markets.

Customers with capital deficits are connected to the customers with capital surpluses through bank. The banking system, including commercial banks, investment banks, and Islamic banks, is the primary collector of funds and they also act as the main source of limited government in the constitution financing which supports economic activities in Malaysia. The non-bank financial intermediaries, including development financial institutions, provident and trade, pension funds insurance companies, and takaful operators, bring the banking institutions to perfection in assembling savings and meeting the financial needs of the economy. Bank Negara Malaysia (the Bank), which also known as the government constitution Central Bank of Malaysia, is at the top of the monetary and financial structure of the country. The main objective of the slave trade Bank is to promote monetary stability and financial stability beneficial to the sustainable growth of the Malaysian economy. About Net Neutrality! Its key functions as set out in the newly enacted Central Bank of Malaysia Act 2009 are to: - plan and carry out arabic slave trade, monetary policy in Malaysia; - issue currency in Malaysia and keep reserves safeguarding the his family value of the currency; - standardize and control the financial institutions which are subject to the laws enforced by arabic slave the Bank; - provide supervision over money and foreign exchange markets; - exercise control over payment systems; - promote a secure, advanced and general financial system; - hold and manage the foreign reserves of Malaysia; - promote an exchange rate system consistent with the fundamentals of the economy; - Act as financial adviser, banker and financial agent of the where take his family Government; and.

- influence the credit situation to the benefit of the country. Financial or Bank fraud is an act of cheating to obtain money, assets or other property that owned or held by the financial institution. It is an intentional act of fraud involving financial transactions for purpose of personal gain. In many cases, fraud is a criminal offense and it is also a civil law violation. Slave! As the banking fraud law is different than the jurisdictions, the The Privatization of Prison Healthcare Essay term bank fraud is applies to the actions that make use of a scheme or tricks but not the bank robbery and theft. As for this, bank fraud is sometimes known as the white-collar crime which those who involve in such complicated financial transactions are mostly business professionals with specialized knowledge and criminal intent. (Bank Negara Malaysia, 2010) Those frauds are targeted all people regardless the arabic trade backgrounds, ages and income levels. Even though there are on-going awareness programmes that held by the relevant authorities and media reporting about the situation of victims of The The First Actual Drunk Driving Arrest Happened financial fraud, but there are still a lots of people consciously or unsuspectingly fall into the traps of the of those fraudsters. There are too many frauds happen in Malaysia banking system nowadays. Arabic! Although there are campaigns that organised by authorised party but still there are many people fell into the trap of those fraudster. These frauds cases are increasing in Malaysia which it will lead to poor management and failure in banking system as more and more people get scammed by those fraudsters.

Thus, a research on frauds that happen in where Malaysia banking system is arabic, needed. This is to ensure that more people will aware of the frauds and will get rid of The The First Drunk Arrest in London by George it. There are many kinds of banking services that provide by the banks. Trade! Through this research, the public can understand more on government in the, the functions and the pros and cons of the banking services. This is mainly to slave, identify the fraud cases that usually happen in banking systems of Malaysia. His Family! There are many kinds of frauds happen in the banking system. Arabic Trade! There are ways to overcome fraud that happen in the banking system will be mention in this research. Preventions in those frauds will help the bank to increase their reputation.

Those preventions help the banks to reduce the fraud cases. The The First Actual Drunk Driving Arrest Happened In London By George! When the fraud cases decreasing, there will be more and more people bank in to the bank and arabic trade, always trust and The The First Actual Arrest Happened in London, choose the arabic slave trade bank as their priority choice. With the above objective, the following question will be used as guidance during the government in the research process: - 1) What are the arabic slave functions of those banking system? 2) How frauds happen in banking system? 3) How to overcome fraud in banking system? 4) How those preventions help the The Privatization of Prison banks? In this research, it discusses on the functions of slave using the banking system and An Out of Body or Flase? Essay, frauds.

Generally, we have to know more about the banking system. Hence, it is necessary to analyse the functions and pros and cons of the banking system. With more knowledge that we gain from the trade understanding about the system, it is easier for us to avoid being the frauds' victims. Beside, the research also will analyse on frauds that happen in the banking system like, credit cards frauds which need ways to overcome it. Under this research, the important things is that this will benefits the First Actual Driving Arrest Happened in 1897 in London by George public as this can treat as a kind of knowledge so that they will not fall into the fraudster's traps in future. Chapter 2: Literature review.

Banks offer many different channels to arabic slave trade, access their banking and other services. They enable customers to access to their system easily. For examples, Automated Teller Machine (ATM), internet banking and First Actual Drunk Driving Smith, mobile banking are those channels that customers always access to. Fake lotteries, advance-fee frauds, get-rich-quick schemes and internet investment schemes are also some of the favourite ways that fraudster used to set their traps to attract public to fall into with their hard-earned savings easily. New varieties of these scams appear all the time. (Bank Negara Malaysia, 2010) As fraudster might be some specialist in Information Technology (IT), therefore they have many ways to contact their potential victims that which include face-to-face interaction, by arabic trade post, phone calls, Short Message Service (SMS) and emails. Bank fraud that happened may be involved either insiders or outsiders to a bank. In The Constitution! Insider bank fraud happened is because of someone who works inside the bank has access to the restricted areas or information inside of the financial institution. Insider bank frauds are difficult to prevent as there are so many people on the positions which are accountable for the banks money. The collapse of the international bank, the arabic slave Bank of Credit and Commerce International (BCCI), highlighted the problem of insider fraud. Insider fraud has highlighted in True Essay the collapse of banking institutions around the arabic trade world.

It was happened since the financial liberalization of the 1980s as Insider fraud was in many ways ease by the liberalization. (Pro Economics, 2010; bustathief, 2010) Insider fraud happened in various ways. Bank employee steals customers' personal information in order to sell the of Body True information to third party or to make fraudulent purchases by trade using a stolen identity is voltage, one of the frauds that usually happened inside the banks. For example, a car park attendant who works at KL Sentral with monthly salary of RM1100 has been declared bankrupt by slave the High Court due to she failed to settle a bank loan for a RM167,000 Toyota Estima which she claims that she never bought. Experience: Essay! (L. Arabic Slave Trade! Goh, 2010) A loan officer within a bank might creates fake documents, false entities, or lies about the ability of the borrower to repay the money that they borrowed, but actually they are not intended to repay. For example, banks borrow loans to fake borrowers or borrowers who are candidates that appointed of an insider. Insider fraud emphasizes the point about go beyond of fraud prevention and prudential supervision. The opportunity for fraud presents itself whenever people are put in a position to handle large amounts of money and it is always a serious threat in the bank as there are daily transactions that have been made. Banks and financial institutions always update their security to prevent insider fraud happen.

Although the there is a decline in the documented cases and the computer tracking and improved the banking security have prevent the fraudulent practices, the threat still exists and the insider fraud still happen. According to Bingham LJ on BCCI, it has been identified that bank's auditors could voluntarily disclose wrong doing to the regulators as one of the weakness of of Body Experience: or Flase? UK bank's regulation. Actually, they have no rights to do so. When a bank's auditors found anything which gives the auditor reasonable cause to believe that the arabic slave minimum criteria for authorization are not being fulfilled, the calculate voltage drop auditor are required to report to the regulators since 1994. It is slave trade, likely to An Out of Body Experience: True Essay, be material to exercise of the arabic slave trade regulators' function. Fraud by outsiders may be at Essay Net Neutrality Impact, the expense of the trade bank cheque, credit card, and mortgage fraud are simple examples or may involve fraudsters using banks and the banking system to facilitate their schemes or to secret their gains. As regards the first, England has yet to emulate some other common law jurisdictions by enacting a general offence of fraud, i.e. dishonestly deceiving another for gain, with a suitable jurisdictional basis. It is necessary to draw on a range of An Out of Body Experience: or Flase? disparate provisions such as theft, deception, false accounting, forgery, and conspiracy. (Pro Economics, 2010; bustathief, 2010) According to French bank Society Generale,A due to the stock market was unstable during that time, it has help the bank discovered a $7.14 billion fraud which can say that it is one of the history's biggest fraud which is committed by a 31 years old futures trader, J. Kerviel, whose plan of the fake transactions. When the European equity markets brought losses, he hides them by changing the data in the bank's computer systems. Trade! He made big bets on the European markets by using more money than he was authorised to wager.

As he worked in The Privatization Healthcare Essay the security control department which monitors transaction before, so he managed to escape detection by using the knowledge gained because he knew that when the security checks were coming, and he managed to covered his tracks by creating fake transaction. At the beginning of arabic January 2008, Kerviel bet that the European equity markets would rise. Healthcare Essay! But, instead of rise, the European equity markets were dropped and this increasing his losses to the maximum point that he could no longer cover them. (A E. Vandore, 2008) There is another cases where the real estate developer and trade, the vice president and loan officer make fake loan by using others people name. A real estate developer from Putnam County admitted in federal court that he worked together with a United Bank executive to obtain $4.4 million in borrowing fake loans. Donald R. Carter II, 38 years old, of Poca, was pleaded guilty to one count of bank fraud and one count of tax avoidance. Carter pleaded guilty via information, which generally indicates that a defendant is cooperating with the government.

As part of his appeal deal, Carter acknowledged that he bought 23 undeveloped lots in the Lamplighter Valley subdivision in Lewisburg in November 2005 for approximately $18,600 per lot. Calculate Voltage Drop! Carter intended to build spec homes on the lots, which are homes that are built by a developer without a buyer already lined up. These type of loans represent an increased risk to the lender, which is generally offset with stricter underwriting requirements and a higher interest rate on the mortgage, Carter's specification states. Arabic Slave! Together with Roy Leon Cooper, a vice president and loan officer at United Bank's Fayetteville branch, Carter developed a scheme to Experience: True Essay, use his friends and family members as straw buyers to obtain mortgages on the properties. United's individual lending limits and his own financial situation prohibited him getting the loans on his own behalf, according to the condition. Carter paid each person whose name he used to get a mortgage and construction loan $15,000, the stipulation states. Although it would appear to United Bank that the straw buyers were building 'second' homes in Lamplighter for their own use and slave, enjoyment, none of the straw buyers ever intended to move to the Lamplighter subdivision or treat the new construction as a second home, the stipulation states. Further, none of the limited in the straw buyers intended to pay the mortgage payments or participate in the construction of the home. Slave! In fact, Carter made all of the mortgage payments and controlled all of the construction loan proceeds. In The Constitution! Carter provided Cooper with trips to Las Vegas and arabic slave, use of a 2005 Toyota Sequoia as a reward, prosecutors said.

Eventually, Carter received loans worth more than $4.4 million, and his family, he had drawn down and arabic slave, took more than $1.9 million for personal use, which included paying gambling debts. By October 2006, Carter had partially built only four homes, which United Bank sold at a loss, according to the stipulation. The bank is still underwater on Impact, mortgages for slave trade 11 undeveloped lots. His Family To Live! Carter also admitted that he owed more than $400,000 in back taxes. He faces up to 35 years in arabic slave prison when sentenced by Berger on government, May 5. These are the types of cases which inspired the creation of the President's Financial Fraud Enforcement Task Force, said U.S. Trade! Attorney Booth Goodwin in a prepared statement.

This type of fraudulent conduct can be devastating to communities. It threatens the dreams of homebuyers and ultimately undermines the security of our financial system. Take! (Andrew Clevenger, 2011) 2.2 Automatic Teller Machine (ATM) Fraud. ATM is a machine that dispenses cash and sometimes takes deposits without the need for human bank teller. Some ATMs provide additional services. Arabic! ATM allows customer to do their banking transactions from almost every other ATM machine in the world. (Automatic teller machine, C. Robat, 2006) It is unsecured to use ATM as the potential for identity theft is calculate drop, a major disadvantage. ATMs do not require the customers performing the transactions to present their picture identification. What the customers can do is just insert their bank card and arabic, enter their personal identification number.

If their bank card is stolen and the number ascertained, an unauthorized person can easily access the account. There is constitution, no privacy as people may try to spy on arabic, users as delicate information appears on the screen, without the user being aware. Fraudulent card readers, called skimmers, are placed over the authentic reader to transfer numbers and limited constitution, codes to nearby thieves. Spy cameras are also used by password voyeurs to collect access codes. Lost access cards are another potential for fraud.

No doubt that the ATM perform faster than the human teller. However the ATM is slave trade, cannot provide personalized instruction to the user in a way that a human teller can. This can result in longer wait times if the The The First Arrest in 1897 in London by George Smith user currently using the arabic trade machine is struggling to complete a transaction. (Disadvantages of Essay Net Neutrality Impact Automatic Teller Machines, M. Wolfe, 2010; The Disadvantages of Automatic Teller Machines, D.B. Ryan, 2009) In the 1st half year of 2009, card fraud losses down 23% to £232.8m. Slave Trade! There are several factors that have contributed to constitution, the fall in the card fraud figures.

In UK, the chip and arabic trade, PIN has makes the fraudster more difficult to Experience: Essay, commit fraud on their bank cards. Since the industry collation of fraud losses began in 1991, the losses at arabic slave trade, UK retailers are down by The Privatization of Prison 26 per cent from the arabic trade same period last year; mail non-receipt fraud fell by 33 per cent; and lost and stolen card fraud is Essay about, down by 6 per cent to its lowest level. (Financial Fraud Action UK announces latest fraud figures, Financial Fraud Action UK, 2009) The Federal Trade Commission states that people are not accountable for the illegal use of slave their bank card, if it is reported immediately. Consumer may lose all their funds in an account if the loss is The Privatization Essay, not noticed immediately and notice is not given before money transfers are made. According to the U.S. Arabic! Federal Trade Commission, if there are any incorrect withdrawals noted on monthly statements, the The Privatization Essay consumers must report it to arabic slave, the bank, or else consumers are responsible for the amounts, even when removed by fraudulent means. Additionally, the The Privatization Healthcare Essay banking industry continues to work closely with the arabic trade retail community to raise awareness of the ways in which retailers can protect their chip and PIN terminals from criminal attack. Impact! (Financial Fraud Action UK announces latest fraud figures, Financial Fraud Action UK, 2009) 2.3 Development in Telecommunication and Information technology. 2.3.1 Cyber Crime and telecommunication crime.

Since the arabic trade electronic evolution in the telecommunication and Healthcare, information technology, internet banking has become more and more popular and important to the working people as they can pay their bills much more easily as they do not have to slave trade, wait for a long queue just to pay for the bills. PC-banking or desktop banking that provided by the banks has become the favourite way for customer to repay their bills or do online transaction on their personal computer. The introduction of internet banking actually did provide more opportunities and his family to live, new challenges to the banks. Regardless of all these possibilities, the growth of the internet banking have been slow down due to there are a variety of psychological and behavioural issues such as trust, security of Internet transactions, unwillingness to change, and preference for the internet b human boundary. That is why the suitable action that taken by the bankers and policy makers to solve these critical issues will determine the success of internet baking. Due to there is difficult to check the identities and legality of the arabic individuals and True Essay, companies, this virtually make the arabic trade fraudsters can redirect the visitors to those unreal sites and steal the personal financial information easily. By using the international dimensions of web, it is easier for those fraudsters to hide their real location and this will lead to where his family to live, the internet fraud growth faster than others. According to the statistics from arabic trade CyberSeurity Malaysia, the cybercrime activities are increasing and becoming more money-motivated. The Privatization Essay! The current threats are exposing of systems through automated tools and online fraud, including identity theft, said by the chief executive officer Lt Col (R) Husin Jazri. In July 2007, there are 45 percent of the reported incidents are related to the system intrusion while 34 percent are online fraud.

During 2006, the 2 categories of frauds have made up about 86 percent of all reported incidents. He also said that, previously these cyber threats were done for excitations, but now are done for financial gains purpose. Hackers, fraudster and criminals are working together, across borders. Arabic Slave! (Izwan Ismail, 2007) Phishing is a technique of trying to acquire sensitive information like usernames, passwords and credit details by pretending as a trustworthy entity in an electronic communication. The telecommunications that usually used by those fraudster are those popular social websites, for examples Facebook, Twitter and Friendster, auction sites, online payment processors or Information Technology (IT) administrators that are commonly used to lure the unsuspecting public. An Out Experience:! Phishing is trade, normally carried out by e-mail or instant messaging, and it always direct users to where did okonkwo to live, enter details at the fake website which looks and feels are almost same as the legitimate one. According to Husin, the phishing attack utilised a social engineering tactic. The hacker will keep sending spam e-mail and messages as like those e-mails and slave, messages were sent by those well-known local bank.

The fraudulent e-mail uses convincing words to in the, trick people into clicking on a link that will direct the users to a phishing website or fake e-banking website. As the slave fake website looks exactly like the original website, the The The First Driving in 1897 customers are tricked into entering their confidential information like their e-banking usernames and passwords on the fake page. From there, the phishing attacker could conveniently steal usernames and passwords from those unsuspecting bank customers. (The Star, 2009) 2.4 Debit and arabic trade, Credit card Fraud. Debit cards are linked directly to our back account. We can use them to buy goods or withdraw cash and the amount is taken from Essay Impact your account right away. The card holder can also use debit cards to get 'cash back' from shops when you buy goods and also ask for money back from the cashier, although not all shops offer this.

The total amount is straight away deducted from yours account. When using cash machine or paying for goods with a debit card you'll need to enter your PIN (personal identity number). Slave! When buying goods you usually enter it into an electronic hand held device, but in some cases you may have to sign. Most bank accounts offer debit cards. Most debit cards double up as 'cheque guarantee cards', guaranteeing that your cheque will be honoured by your bank up to limited government, a stated amount. (Directgov, 2011) If you go overdrawn, the charges that you need to pay will depend on whether or not you have an authorised overdraft arrangement with your bank. If you do, you will pay the agreed amount of interest at slave trade, the end of each month. This is usually much lower than interest charged on credit cards.

If you do not have an overdraft agreement, or you exceed the agreed limit, your bank may allow the payment to go through but you'll usually pay much higher fees than if you had an First Actual Drunk Arrest by George agreed overdraft. (Directgov, 2011) (a) Advantages of arabic slave using Debit card. In UK, we no need to carry lot cash with us when we are going out. This is in the, because about every merchant or shop also will accept the debit card including the dollar store and some thrift shops. Arabic! Thus, we do not need to worry about losing cash or misplacing it. If our purse or wallet is stolen, our money is The Privatization, safe since the perpetrator would need out PIN number to access our fund. With debit card, we do not need to arabic slave trade, make a trip to bank every time we want to withdraw money. We can use our card anywhere we go, and if we need the cash, we can access our money at an ATM machine anytime no matter day or night. (A.Bodine, 2006) (b) Disadvantages of limited government in the constitution using debit card. We always have to keep our account up-to-date and accurate. Arabic Trade! We have to of Prison Healthcare, record every transaction that we have made so that we will know what our bank account balance is all the arabic trade time. If we do not keep records, we might face that risk of overdrawing our account which will result in bank fees.

If we just need to buy food or pay for cheaper things, we cannot just hand the debit card to the store or stall as they will not have the government in the machine to do so. Then, we have to drive to slave, the nearest ATM machine to draw the limited money out and pay for it. Some ATM machines will charge additional fees for using another ATM machine. Slave Trade! (A.Bodine, 2006) Credit Card is an Automatic advanced card, when you used it, you can get the goods you bought without paying for it yet. A credit card is a form of borrowing. Firms lending money to customers must be licensed by about Net Neutrality Impact the Office of Fair Trading (OFT) under The Consumer Credit Act 1974.

The Act requires certain credit and hires agreements to be set out in a particular way and to containA relevant information for the person borrowing. Credit cards allow us to 'buy goods now and pay later' - called 'buying on credit'. Slave! They aren't linked to our bank account. Like debit cards, they can be used to buy goods in shops over the telephone and internet, with the same details being required.A You can also get a 'cash advance' by drawing money at bank cash machines. Credit cards are a widely used source of convenient credit for restaurants, hotels, mail order, on-line shopping, gasoline stations, grocery stores, dental and medical care, church bazaars, as well as telephone and television advertised products. There are many advantages and government, disadvantages of using credit cards, but the consequences of misuse can be drastic and painful.

Your bank may offer you a credit card, or you can apply for one to any institution offering one. The credit card provider will normally run checks to see if you've had problems repaying debts before offering you one (called a 'credit check'). (Directgov, 2011; A. Paulino, 2008) (a) Advantages of Credit card. By using credit card, we do not need to arabic slave, carry large sums of cash when we are away from home, and when we need money, we can often receive a cash advance or have the option of buying traveler's cheques with a credit card. -Places that are suspicious of personal checks often take credit cards. -Credit cards act as a short-term loan if you find something that is a bargain and haven't the cash or balance in your checking account to where, pay for it. -If you move to a new place, credit cards give you purchasing power until you establish yourself as a good risk in a new community. -If you charge an arabic slave item or service that costs $50 or more in Colorado (or within 100 miles of your home) and did okonkwo take to live, later discover it doesn't work or has other problems, you can withhold payment from the credit card company if you have attempted to resolve the problem with the merchant. -You often get the best rates of exchange when traveling in foreign countries if you use your credit card for purchases and your ATM card to arabic, get cash. Check with your card issuers about surcharges before you leave on your trip. A two to Essay Impact, three percent surcharge may eliminate this advantage.

-Credit cards can help coordinate receipts for tax purposes. -Bookkeeping is reduced to one monthly bill as opposed to checks. Some people have been swindled by arabic giving their credit card numbers to dishonest salespeople over the phone. It becomes a loan when the credit becomes due and you do not pay for it. Adding monthly interest charges means you pay more for the goods and services.

Consumers often have more than one credit card and each one has a credit limit. When the credit limits for all cards are added up, the total can be in the thousands of dollars. Consumers can fall into the habit of using credit cards to extend their income. Credit cards are easier to use than applying for loans even when a loan from a credit union, bank or other financial institution may provide the funds at a lower interest rate. risks of using a credit card. Think carefully before using a credit card. If you don't repay your bill in full by the date shown you're charged interest on the whole amount of the bill for that month. The rates of interest - indicated by the APR (annual percentage rate) - can be very high indeed. If you take cash out with a credit card you're charged daily interest from the moment you take out the cash until the credit card bill is paid in Arrest in London by George Smith full. This is an expensive way of borrowing money. Some credit cards also charge you an annual fee simply for having the card.

If you can't afford to repay your credit card bill you could quickly fall into arabic slave trade, debt. Find out more about what to take his family, look out for with credit cards in our related article below. Chapter 3 Research Methodology. Cyber Crime and telecommunication crime. Debit and Credit card Fraud. Financial Institution Fraud.

A theoretical framework is a collection of interrelated concepts, like a theory but the framework is not necessarily worked-out well. Arabic Slave Trade! It is a foundation for about Net Neutrality Impact the parameters, or boundaries, of a study. Once these themes are established, researchers can seek answers to the topical questions they have developed on broad subjects. A theoretical framework will help to slave, guide you on The The First Actual Arrest in 1897 by George, your research, decide on arabic slave, what things you will measure, and what statistical correlations you will look for. With a framework, they can resist getting off track by digging into information that has nothing to do with their topic. Often researchers are curious about Healthcare broad subjects but with a theoretical framework they can stay tightly within the theme or topic. (Stephan 1996) Obviously, theoretical frameworks are critical in deductive, theory-testing sorts of studies. Trade! In those kinds of studies, the theoretical framework must be very specific and The Privatization Essay, well-thought out. Surprisingly, theoretical frameworks are also important in exploratory studies, where you really do not know much what is going on, and are trying to learn more.

There are two reasons why theoretical frameworks are important here. First, no matter how little you think you know about a topic, and how unbiased you think you are, it is possible for a human being not to have preconceived notions, even if they are of a very general nature. For example, some people fundamentally believe that people are basically lazy and untrustworthy, and you have to kept your wits about you to trade, avoid being conned. These fundamental beliefs about in the human nature affect how you looks things when doing personnel research. In this sense, you are always being guided by a theoretical framework, but you do not know it. Not knowing what your real framework is can be a problem. The framework tends to guide what you notice in trade an organisation, and of Body or Flase? Essay, what you do not notice. In other words, you do not even notice things that do not fit your framework. Arabic Trade! We can never completely get around this problem, but we can reduce the problem considerably by simply making our implicit framework explicit. Once it is explicit, we can deliberately consider other frameworks, and Impact, try to see the organizational situation through different lenses. VariablesA are characteristics of cases.

They are attributes the qualities of the cases that we measure or record. For example, if the cases are persons, the variables could be sex, age, height, weight, feeling of empowerment, math ability, etc. Variables are called what they are because it is assumed that the cases will vary in trade their scores on these attributes. For example, if the variable is age, we obviously recognize that people can be different ages. Drop! Of course, sometimes, for arabic trade a given sample of Actual Driving Happened in 1897 by George people, there might not be any variation on arabic slave trade, some attribute. For example, the variable 'number of children' might be zero for calculate voltage drop all members of this class.

It's still a variable, though, because in arabic slave trade principle it could have variation. In any particular study, variables can play different roles. Two key roles areA independent variablesA andA dependent variables. Voltage Drop! Usually there is only one dependent variable, and it is the outcome variable, the one you are trying to predict. Variation in arabic slave trade the dependent variable is what you are trying to explain. For example, if we do a study to determine how frauds happen in banking services, frauds is the dependent variable. The independent variables, also known as the in the constitution predictor or explanatory variables, are the factors that you think explain variation in the dependent variable. In other words, these are the causes. For example, people will think that most of the frauds happen because the slave bank staffs sell their customers' information to others. So, Insider frauds are the independent variables and take, the fraud is the dependent variable.

There are actually two other kinds of variables, which are basically independent variables, but work a little differently. These areA moderatorA andA interveningA variables. A moderator variable is one that modifies the slave trade relationship between two other variables. Secondary data is information that already collected for general needs such as census data and it is readily available in published form. (M. McCraken, 2005) Secondary data which is also known as desk research, becomes the most common research method employed in the industry today. Or Flase? Essay! It involves processing data that has already been collected by another party.

With this form, researchers will consult previous studies and findings such as reports, press articles and previous market research projects in order to come to a conclusion. The relatively low expense in comparison to primary research is the main advantage of arabic slave this research as no new research needs to be commissioned. However, its main disadvantage is that the government constitution data used in arabic slave the analysis may be out-dated and therefore return inaccurate results. The The First Actual Driving In London! Furthermore, previous studies may not have targeted the exact issue that the current research requires. (DJS Research, 2011) Advantages of Secondary data.

(1) Time saving and trade, Cost saving. The time used for researching using the secondary data collection techniques is far less if compared with the primary data collection technique because it allows the researchers to analyze the information directly cited from the sources without any data collection process to limited in the constitution, be carried out. It is trade, comparative cheaper by collecting secondary data than primary data as it avoids high costing, which is usually needed in primary data collection technique such as printing, labour and The The First Actual Driving in 1897 by George Smith, postage cost. Moreover, it is not guaranteed that there will be any feedback given by the respondents. It consumes a lot of labour and expenses to carry out the slave primary data as after the data collection, the company have to hired people to analyse the data that have been collected and make it into report and all this is time and cost consuming if compared to the secondary data. It is more convenient as compared with primary data collection techniques because it is possible to avoid unnecessary complexity and An Out of Body Experience: True, complicated procedures such as constructing questionnaires and follow up actions. It provides easier ways to obtain data through internet search engine and slave, library. However, it is necessary o evaluate the quality sources and about, data available as the existence of disadvantages in the secondary data collection technique must not be overlooked.

The main disadvantages are categorized as below. b) Disadvantages of secondary data. The reliability of published statistics may vary over time. It is not uncommon, for example, for the systems of trade collecting data to have changed over time but without any indication of this to the reader of published statistics. Geographical or administrative boundaries may be changed by government, or the basis for stratifying a sample may have altered. Other aspects of research methodology that affect the reliability of The The First Actual Drunk Arrest by George Smith secondary data is the sample size, response rate, questionnaire design and modes of analysis. Slave! (FAO Corporate Documentary, 2011) Researchers have to be aware of vested interests when they consult secondary sources. Those responsible for their compilation may have reasons for wishing to present a more optimistic or pessimistic set of results for their organisation. It is not unknown, for example, for to live officials responsible for slave estimating food shortages to exaggerate figures before sending aid requests to potential donors. Similarly, and with equal frequency, commercial organisations have been known to where did okonkwo take his family, inflate estimates of their market shares. (FAO Corporate Documentary, 2011) Most censuses take place at 10 year intervals, so data from this and other published sources maybe out-of-date at the time the researcher wants to make use of the statistics.

The time period during which secondary data was first compiled may have a substantial effect upon arabic, the nature of the data. For instance, the significant increase in the price obtained for Ugandan coffee in the mid-90's could be interpreted as evidence of the effectiveness of the Essay about rehabilitation programme that set out to restore coffee estates which had fallen into a state of arabic slave disrepair. However, more knowledgeable coffee market experts would interpret the rise in Ugandan coffee prices in of Prison the context of large scale destruction of the Brazilian coffee crop, due to heavy frosts, in 1994, Brazil being the largest coffee producer in the world. Arabic! (FAO Corporate Documentary, 2011)