...Case Study: Lincoln Savings and Loan Association In 1978, Charles Keating, Jr. began focusing his time and energy on his business endeavours when he founded the real estate firm, American Continental Corporation (ACC). Six years later, ACC acquired Lincoln Savings and Loan Association, which was headquartered in Phoenix, although its principal operations were in California. In his application to purchase Lincoln, Keating pledged to regulatory authorities that he would retain the Lincoln management team, that he would not use brokered deposits to expand the size of the savings and loan, and that residential home loans would remain Lincoln's principal line of business. After gaining control of Lincoln, Keating replaced the management team; began accepting large deposits from money brokers, which allowed him to nearly triple the size of the savings and loan in two years; and shifted the focus of Lincoln's lending activity from residential mortgage loans to land development projects. On 14 April 1989, the Federal Home Loan Bank Board (FFILBB) seized control of Lincoln Savings and Loan, alleging that Lincoln was dissipating its assets by operating in an unsafe and unsound manner. On that date, Lincoln's balance sheet reported total assets of $5.3 billion, only 2.3 percent of which were investments in residential mortgage loans. Nearly two-thirds of Lincoln's asset portfolio was invested directly or indirectly in high-risk land ventures and other commercial development projects. At...
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...Cases of Fraud in an Organization In a non-profit organization of a university, the members let's call her Mrs. X served as chairman of a depertment within the organization, which is take care of and responsible for a work program that focuses on social activities that are the main focus not for profit, the source of funds provided by the university through a proposal which has been accepted and legalized fund its budget and has received the first disbursement of funds as much as 70% of 100% of funds approved by the university. At the end of the year when Mrs.X asked to submit Accountability Report (LPJ), accompanied by evidence of transactions such as bill and receipts for the activities that have been completed, as evidence of the activities take place in accordance with the proposal that has been submitted or approved. But there is a problem on the evidence of transactions because most evidence of transaction already lost and the funds should be spent until depleted accordance with the budget proposal approved, but in fact not been spent . The consequences to be received that organization if was not fully spent, the funds are cutting funds for next year's activities. Knowing the consequences that will be received, finally Mrs.X looking for ways to not cut funding for next year by looking for empty memorandum, the memorandum of a used, and receipts to make a number of budget proposals and LPJ same or balance. Mrs.X not work alone, but she was aided by her friend in gathering...
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...SAMPLE CASE STUDIES – MARKETING Case Study 1 Marketing and Distribution of Mushroom Sachin and Virag are two enterprising youth. They have passed out from IIM, Bangalore. They thought instead of doing a job, they will launch fresh vegetables in Indian markets. Having learnt of the future conventional foods, they decided to venture into cultivation of mushrooms. Mushrooms are known to be the best alternative food for vegetarians. For Sachin and Virag fund raising was a serious handicap for mass production. However, the first trial batch of mushrooms that they produced was bought by Star Hotel in Bangalore. Further, the hotel placed orders for supply of 20 kgs every day. Now mushroom industry is run by small entrepreneurs, like Sachin and Virag. Another big player M/s Ashtavinayak Mushrooms, equipped with cold storage facility was more interested in the export market. Sachin and Virag have set their sights high. They aim to sell mushrooms in a very big way all over India. Mushrooms have a great market potential and is a perishable food. Questions A. How will you advise Sachin and Virag, as how to increase the consumer awareness about this new food? What would be your suggestions for distribution channel for mushrooms? B. Possible Solutions A. • Consumer awareness can be created by test marketing. Through sales persons and customer response to the product. • • Samples can be distributed in big malls and Variety stores. Awareness can also...
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...As an industry moves from the growth stage into the mature phase of the life cycle, and consolidation (i.e. acquisitions of smaller players by larger players) begins, explain how EACH of Porter’s five forces are likely to change and the effect that this will have on competition and profitability. 1. Supplier Power (Bargaining) - There are many effects that this force would have on the industry. -Change: The potential changes that this force would have on the industry is the fact that suppliers could look at the situation being the industry is in the mature phase while implementing smaller players and take advantage where they see fit. For example, perhaps with the merge the suppliers if highly demanded could increase price as they see the potential of the merge being successful and highly profitable to the industry. On another note, if there are many options that are fairly considerable perhaps the current supplier could lose bargaining power if it is discovered through the acquisition by the industry that there are better and inexpensive other suppliers available. -Competition and Profitability: The effect that this could have on completion and profitability is if the supplier is one of very few with the best materials this could result in competition being stirred within the suppliers market if other suppliers feel that they can match or exceed current standings. On the other hand, it could result in the supplier changes inputs/outputs, distribution, and even labor unions...
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...percent there was a recount using a machine which bush was still the winner but by a small amount. Gore demanded a manual recount in several counties that were later found out only democratic states were asked to revote. Some of those counties worried that they wouldn’t make the deadline and asked for an extension. The secretary of state declined that extension and the supreme court of Florida over turned that decision and granted more time until nov.26th. On that day Govern Bush won. They next day Gore filed a complaint in the Leon County circuit court saying that there were still illegal votes. After they ruled that he did not give enough burden of prove he then appealed and Florida Supreme Court took jurisdiction of the case and held some points in the case and rejected some. They ordered a hand account of 9,000 ballots in Miami Dade County. Facts On December 8, 2000, the Supreme Court ordered the Circuit court of Leon County to gather 9,000 ballots by hand and include 215 voted from Palm Beach County and 168 votes for Vice president Gore. Bush said that the vote for gore was 176. The court ordered manual voting for the counties that had “under votes” and Bush contested it through an emergency hearing and the court granted it saying it was a writ of certiorari. Issues First issue is if Florida court has the authority to make new standards for Presidential elections under the U.S.C Article 2, §1, CL.2 Second issue is if using manual votes is breaking the equal protection...
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...Homicide cases have been some of the most controversial cases in both contemporary and traditional societies. This is unusual considering these cases involve the loss of life of a human being, an act that no punishment can ever rectify. Perhaps even more controversial is ‘excusable’ homicide, which occurs when the death of an individual has resulted from misfortune, accident, when carrying out a lawful act through lawful means and with the usual ordinary caution and with no unlawful intent, in the heat of passion, upon sudden combat, upon sudden provocation, as well as without the use of any dangerous weapons (Samaha, 2014). There are varying instances in which a homicide is ‘excusable.’ The first scenario is in cases where the death emanates...
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...empower women and to support gender-equality. Microfinance wants to make money available for the poor, so that they can “invest” in themselves, their businesses and their future. According to the World Bank there are more than 10.000 micro-financing institutions (MFIs), which funnel the 100 million clients with more than 2.25 billion$ in loans or other financial help around the world. There are different kinds of MFIs from small for-profit or non-profit organizations to larger commercial banks. Usually they do not require collateral but charge extremely high interest rates compared to other traditional banks. A typical loan is not much bigger than several hundred dollars. Women are supposed to use this money to buy new tools or make-up for example to start working as a cosmetologist. Normally they would spend all their money to support and supply their families with things like food, shelter or clothing. Microfinance is all about financial inclusion – households and businesses should have appropriate access to financial services and be able to use them effectively. “Appropriate access” implies that these services have to be supplied responsibly and sustainably in a well regulated environment. (Scrone E., 2014) Currently there is a massive imbalance of current access to financial services worldwide. Females are more often restricted by cultural factors or sometimes even legal regulations to use or even have financial services. Figure 1 shows how heavy the formal account penetration...
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...1. Introduction For this paper, I have chosen Case study 1 to be discussed. By applying the knowledge gained throughout the syllabus and proper research, I have met the requirements of the paper. Based on contemporary justice in crime, the paper has been prepared. First, the brief description of the crime is outlined by summarizing the whole issue centered in the case study. Secondly, I have focused on description of the processes in the adult American criminal justice system the offender would go through, starting with arrest. Further, I have highlighted the weakest and strongest links in the criminal justice process. 2. A brief description of the crime Based on reading of the Case study 1, it is revealed that there are two murders happened....
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...Logan V. Canada Safeway Limited et al., 2006 BCSC 1733 (CanLII) Area of Law Negligence: failure to use reasonable care, resulting in damage or injury to another. Negligence involves harm caused by carelessness, not intentional harm. In other words, negligence means being a bystander who foresaw consequences, and did not take any action to prevent the injury as a normal person would. In this case, the Common Law applies. The Story / Facts On May 11, 2003, the plaintiff (Jody Ann Logan) was transferring from a Safeway shopping cart to her minivan. Some plastic bags of groceries that she had just purchased at the Tsawassen Safeway store broke and the groceries fell out, causing injury to her. She alleged that the bag of groceries that contained 2 bottles of pop, 1 carton of milk, and 1 tub of margarine, fell on her right foot and in reaction, she moved and twisted her left ankle. She grabbed at the side of the cart to keep herself from falling and hit her left palm and wrist against it. The Plaintiff claims that Safeway was liable in negligence for not training employees on how to pack plastic bags, in not providing assistance to help the plaintiff transfer bags to her vehicle, and putting too many grocery items in the plastic bag when there was potential danger to occur. To make things complicated, approximately one year after, the plaintiff also suffered injuries in a subsequent motor vehicle accident in April 5,2004 that contributed to her non-pecuniary damages...
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...Behavioral Problem The behavioral problem presented is a refusal for a colposcopy following an abnormal PAP smear from a 22-year-old woman. After missing two appointments, she has expressed that she no longer wants to proceed with the procedure as she fears experiencing pain and the test results. The purpose of using motivational interviewing techniques with this patient is fueled by the importance of follow up from abnormal PAP smear results. High-grade squamous intraepithelial lesion (HSIL) depicts changes to the cervical cells with a high association to precancerous or cancer cells (American Congress of Obstetrics and Gynecology, 2016a). Further, the patient has a potential cervical intraepithelial lesion (CIN) that may be a precancerous lesion and requires diagnosis by colposcopy (ACOG, 2016a). Cervical changes, precancerous and cancerous, have a clear method of treatment that is effective for a woman of her age (ACOG, 2016a). A weighing of the benefit to risk for this patient, she will highly benefit from proceeding with the procedure and diagnosis and treatment of potential cancer. Motivational interviewing is justified as an approach to support compliance with treatment. Review of Research Motivational interviewing has shown to be a useful technique in counseling in the obstetric field. The American Congress of Obstetricians and Gynecologists endorses it’s use as a tool for behavioral change regarding gynecological health based on evidence of efficacy in many health...
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...I was finally able to meet with Mr. East and view the scene of the accident with him. He works out of town, so it has taken a longtime to get together with him and discuss discovery responses and the facts of the case. Now that I have done so, I would like to submit the following litigation plan: Litigation Plan ● Current Analysis of: ○ Facts: Mr. East was coming home from his night shift job in Ro Cleburne County, Alabama. He was about three miles from his home on a County Road, on a relatively straight, uphill stretch of road. He claims to have seen the Carolyn McGhee 2 September 13, 2017 plaintiff coming from a distance. However, as the plaintiff approached him, Mr. East says the plaintiff swerved into his lane, causing the accident. I couldn’t...
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...I chose to write about the sorority I am in and how groupthink occurs within our chapter. In any friend group, organization, or fraternity/sorority, I believe that groupthink does happen and it can either be bad or good. In my case, inside of our chapter there are many clicks and someone that is the main group leader can lead the group to think negative thoughts about a situation. The chapter as a whole, the executive board are who make the main decisions. So we go along with what they say and if anyone has anything to object they do. However, that usually never happens and the one person who would voice their opinion would be the minority influence. Whenever the executive board in way pressures us to make a decision, we automatically go with...
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...In Partial Fulfilment of the Final Requirements in the Class of Social Work with Groups Submitted by Kristel Joy Climaco Sevilla CASE STUDY 1 A. Identifying Information: Name: Richard Quintos Address: 7th Street, Sampaloc, Manila Gender: Male Birth date: June 11, 1995 Place of birth: Batangas Status: Single Religion: Roman Catholic Nationality: Filipino Date of first service: January 9, 2014 B. Family: 1. Parents’ Names: Rommel Quintos; Rochelle Quintos Dates of birth: Deceased; January 3, 1975 Places of residence: Deceased; Singapore 2. Siblings: Richard is only child. 3. Resources and expectations in the family for client: Mrs. Quintos and Richard’s aunt are willing to support the rehabilitation sessions for Richard. They have been motivated to pursue the rehabilitation since Richard himself asked for help to renew his life. Richard has been stopped in second year high school from the time when has a drinking problem and has been dependent in drugs. Robert lived for almost seventeen years with his Aunt Mary, who witnessed the sadness and the addiction of Richard. Client suffered from grief when his father died when he was eighteen years old. At this point, Mrs. Quintos is determined to help her son to improve and recover from grief and loss of her husband; she always talk to Richard through phone calls and emails; and she sends money twice a month to her in-law Mary to all expenses of her son. C. Education: Completed elementary years at Sampaloc Elementary School; finished...
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...Per Reporter: Parahzia has been threatening to harm the child via text to the father (Jeremy). The threats began after Parahzia and Jeremy decided to no longer be a couple. Parahzia is mentally unstable; she takes medication, but it is assumed that she is non-compliant with her medication. Parahzia sent a video of her putting her hands over the child’s mouth and posted on IMO (chat); since then the video has been removed. Law enforcement has been involved with Parahzia on several occasions. Parahzia previously tried to run her car into trees; the child’s location was unknown during the incident. Parahzia fake seizures to prevent from being arrested; the most recent incident happened in Kosciusko at Julie’s (child’s paternal grandmother). A...
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...CONFIDENTIAL MEDIATION MEMORANDUM INTRODUCTION PARAGRAPH/CASE HISTORY As of right now Cady Heron is trying to destroy Regina George. Cady is constantly trying to find ways to cause a disruption in Regina's’ life. There has been no court action and the most confrontation that has been done was the mandatory all girls meeting in the gym, after the distribution of the “Burn Book”. This meeting provided a place for all the girls a safe place to say what they were feeling. Also to address any concerns towards this ”Burn Book”. BACKGROUND In high school Regina became best friends with Gretchen Weiners who knows everyone and everything and Karen Smith, a stereotypical "dumb blonde."(aka: me) She was dating Aaron Samuels, but left him for Shane...
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