...Tim Trujillo Week 6 Case Study April 14, 2013 Professor Daniel Logan 1. Do you think that this is a legitimate email? Why or why not? This actually happened to me a few months ago with my Online Bank account with Wells Fargo. I was signing into Wells Fargo’s site, and was redirected to another page. On this page I was asked for my social security number, and my driver’s license number. The page itself looked legitimate, but since I had worked in Banking for a number of years, I knew it wasn’t. A Bank will not ask you for personal information such as your social security number once your account has been established. This is also true if Bank personnel contact you by phone. They would never ask your social security number as a means to identify you. This type of fraud that was attempted on my account is called Phising. Here is Wells Fargo’s policy on Phising and email fraud: “Report Phish and Email Scams If you encounter a suspicious email or website that says it's from Wells Fargo, do not respond to it or click any links. What to do Never open attachments, click on links, or respond to emails from suspicious or unknown senders. If you receive a suspicious email that appears to be from Wells Fargo, forward the email to reportphish@wellsfargo.com What is a phish? Phish or fraudulent emails may contain links to phony websites or request you to share personal or financial information by using clever and compelling language, such as an urgent need...
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...my current work place; I work at Wells Fargo Bank. The company has a mission statement that every customer counts, and that customer service satisfaction is the number one priority of the company. Wells Fargo started back in 1852 more as a delivery company of goods for individual customers, and companies back in the day; their purpose was to service all around the country, from their base in San Francisco all the way to the east coast in New York. The company took a big hit when the government took the bank and left them only with one branch, their base in San Francisco, so they basically had to start again from zero; but as a company they pulled through and Mr. Wells and Mr. Fargo took the company back into great business. One of the organizational strengths that I see with this company today is the strength to be always prepared for what is coming, they will be able to manage disturbing situations that come to them, from tough economical times. We can take the example of the great recession that we are just getting out from 2008 and 2009, as a bank with strengths it was able to stay a float, to still buy another big bank Wachovia, and become the largest retail bank in the United States, now being in 39 states of the Country, and having plans to start opening branches in the other 11 states that have not yet being conquered by Wells Fargo. This makes it distinctive from other companies because most people can have services with Wells Fargo, and right now literally can get service...
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...a rationale for the U.S. publicly traded company that you selected, indicating the significant factors driving your decision as a financial manager. The stock chosen for this report is Wells Fargo & Company (WFC). There are several reasons to recommend this stock to investors the most important being that the entire banking industry has been making a strong return to its pre-recession levels. Banks balance sheets are healthier than they have ever been due to recession as well, which in turn can return investors who may have shied away since the recession. Another major factor when investing in Wells Fargo is the fact that the dividends the company is paying as of March, 1 of 2015, are at 35 cents per share. That is a dramatic 700% gain since the company hit all-time lows of 5 cents during 2011. In stark comparison two of the other “big four” American banks, Bank Of America and Citigroup have yet to show any real improvement over the same time frame with 5 cent and 1 cent dividend payouts respectively. Wells Fargo has the largest market cap of all American banks, and is listed as number 29 in the fortune 100 as well with over 1.5 trillion dollars in assets (Borzyowski, 2014). As stated earlier the entire banking industry is making headway, but there is a difference in the entire Wells Fargo business model. For starters the company has built its capital off of providing community banking, as opposed to focusing more on investment banking and trading. Which provides more security...
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...D Diversity Analysis of Wells Fargo MGMT 360-51 Team - Multiplicity Shannon Willy Darren Cattnach Jeannine Petersen Edward Davis Cindy Sellner Metropolitan State University Summer 2010 Executive Background Introduction Wells Fargo & Company is a diversified financial services company providing banking, insurance, investments, mortgage, and consumer and commercial finance through more than 10,000 stores and 12,000 ATMs and the Internet across North America and internationally. They are headquartered in San Francisco; however, they’re decentralized so every local Wells Fargo store is a headquarters for satisfying all their customers’ financial needs. This has led to a large customer base, which Wells estimates that one in three households in America does business with them. Wells Fargo has $1.2 trillion in assets and more than 278,000 team members across their 80+ businesses. They ranked fourth in assets, and third in market value of their stock among their U.S. peers as of March 31, 2010 ("Wellsfargo.com," 2010). Wells Fargo’s company vision is stated as, “We want to satisfy all our customers’ financial needs, help them succeed financially, be the premier provider of financial services in every one of our markets, and be known as one of America’s great companies.” This statement has led them to have an outstanding reputation in the community. They have been recognized in the following publications: FORTUNE 19th in Revenue among All Companies...
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...Book Report Good to Great: Why Some Companies Make the Leap… and Others Don’t (Jim Collins, 1996) In his book “Good to Great” Jim Collins asked the question, "Can a good company become a great company and if so, how?" Collins and a devoted team of 22 researchers embarked to discover what transforms good companies into truly great companies. To begin the research for the Good-to-Great study, they searched for companies that: performed at or below the general stock market for at least fifteen years; then at a transition point began to pull away from the competition, and sustained returns of at least 3 times the general market for the next fifteen years. They started with a list of 1,435 companies that appeared on the Fortune 500 list from 1965 to 1995 and ended up with only 11 that made the cut. These eleven companies produced, on average, a return of 6.9 times the general stock market during the 15 years following the transition points. Collins chose a 15-year span to avoid "one-hit wonders" and lucky breaks. The companies that were selected were Abbott Laboratories, Circuit City, Federal Home Loan Mortgage, Gillette, Kimberly-Clark, Kroger, Nucor, Philip Morris, Pitney Bowes, Walgreens, and Wells Fargo. In the book, Collins highlights some important factors which are the result of the research. Although there are several factors involved for taking a company from good to great', what these great companies turned out to have in common was a particular kind of leader...
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...………………………………………………………………………………………. 64 Introduction The following talent management process will focus on the importance behind companies seeking prospect talent in order to further strengthen their companies, and their expansion. This talent management process will take the reader through a series of information containing material on how to seek, acquire, and retain potential talents. Key elements and suggestions will be used during this process in order to educate readers on the importance of companies affirming their company’s brand through the process of hiring qualified employees who through their innovations and ideas, will help the organization gain a competitive advantage. Companies must be able to determine their mission and values, as well as comprehend that in order for them to succeed, they must be willing to adapt to change. In order to retain a desirable team, organizations must determine what they can and are willing to offer to these individuals, and what they, themselves, are willing to stand up for. Throughout this talent management process, the job position of a Branch Sales Manager is discussed and thoroughly researched. Information pertaining the following was investigated and stated in this document: Branch Sales Manager’s job requirements, expectations, job conditions, and the various job responsibilities. Phase One – Company Background Background of the Banking...
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...Wells Fargo Group Marketing 304 Professor Kiesler 2:00 P.M. – 3:15 P.M. T/Th 9 May 2007 [pic][pic] Wells Fargo: Marketing Plan Kevin De Place Bill Ho Ryan Neal Diana Suranyi Kevin Yetter Executive Summary Our team constructed a marketing plan of the company Wells Fargo. The first half of the report covers the company background by finding information about it, its competition, and the environment to see how the company stands. The second half of the report deals with a new product, tax preparation, and how it will be implemented into Wells Fargo. When analyzing the company, we found that it is viewed as the largest bank in the United States by physical size. The company have “2000” child companies and their advertising style is very recognizable with the stagecoach theme. The biggest competition to Wells Fargo is Bank of America. There are many trends that are looked at that could affect the banking industry. Some trends include the environment, government policies, technology, and much more. These trends show how the industry should view what is going on in the market that could affect how consumer’s perceptions are changing in the market. After the trends were analyzed, our team analyzed the customers and put them into segments. These segments are relevant because of the different ways that consumers look at the bank industry. The segments were then used to make the target market...
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...Wells Fargo Group Marketing 304 Professor Kiesler 2:00 P.M. – 3:15 P.M. T/Th 9 May 2007 [pic][pic] Wells Fargo: Marketing Plan Kevin De Place Bill Ho Ryan Neal Diana Suranyi Kevin Yetter Executive Summary Our team constructed a marketing plan of the company Wells Fargo. The first half of the report covers the company background by finding information about it, its competition, and the environment to see how the company stands. The second half of the report deals with a new product, tax preparation, and how it will be implemented into Wells Fargo. When analyzing the company, we found that it is viewed as the largest bank in the United States by physical size. The company have “2000” child companies and their advertising style is very recognizable with the stagecoach theme. The biggest competition to Wells Fargo is Bank of America. There are many trends that are looked at that could affect the banking industry. Some trends include the environment, government policies, technology, and much more. These trends show how the industry should view what is going on in the market that could affect how consumer’s perceptions are changing in the market. After the trends were analyzed, our team analyzed the customers and put them into segments. These segments are relevant because of the different ways that consumers look at the bank industry. The segments were then used to make the target market...
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...The symbols in each movie 1) The photos in BLOOD SIMPLE are the start of all the misunderstandings. In the past Marty didn’t know anything about the fair of his wife. But after the first few pictures taken by Visser, his anger came out and he started his revenge and got involved in this nightmare. The fake picture of Abby and Ray dead in the bed also misleads Marty. When Marty was about to give Visser the money, Visser shot Marty. And Visser throw Abby’s gun in the room to create a misleading scene. These things start with the fake picture. And as Visser says, “life is very uncertain and something can always go wrong.” The appearance of the fake pictures is the moment that life goes wrong for Marty. Marty’s life was totally changed because of this fake picture. He wanted to kill Ray and his unfaithful wife, but instead he is the first one who was shot and got buried alive. Because of the photos, a series of misunderstandings begin. Ray thought Abby killed Marty and Abby thought Visser was Marty and killed him. All the twists start from these photos. Everybody was confused after this. Nobody in the movie truly knows what was happening to everybody. Even Visser, who thinks he knows everything, was also confused at the end. The photos are fake, and this tells us that everything can happen because of money. The photos can be faked, and also the relationship and everything valuable in the world can be faked and changed because of money. The photos triggered the twists and misleading...
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...treatment of the uninsured ($2.2billion); food assistance programs such as food stamps, WIC and free school lunches and etc. Illegal immigrants don’t pay payroll taxes; they are getting citizens benefits without paying taxes. Also citizens are being charged higher tuition then immigrants to attend college. Illegal immigrants are coming over to United States to get an education and to obtain employment. Immigrants obtain employment when citizens of the United States are out of work and unable to provide for their families. How can we help others when were in a crisis ourselves. Illegal immigrants are able to get the best of both worlds such as coming to United States for education and working without paying taxes. So why are they able to get the same benefits as citizens? Why would illegal immigrants want to become citizens if their able to work and get education without paying taxes? There are a lot of Illegal immigrants populated in California and Texas has the highest amount of illegal immigrants in the United States. States that enforce its strict policies will force its immigrants to pack up and move to a neighboring state with more lenient policies. States are trying to do what they can to deal with Illegal...
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..."Good is the enemy of great” is the first sentence in Jim Collins book; Good to Great, Why Some Companies Make the Leap…and Other Don’t. Jim Collins says, because good is the enemy of great, is one of the key reasons why we have so little that becomes great. This book is packed with leading edge thinking, understandable examples, and data to support the conclusions. It is a challenge for CEOs, entrepreneurs and leaders to show evidence of the discipline required to shift their companies from Good to Great. Jim Collins and his research team of 20 compared and contrasted how many companies made the leap to greatness and how other companies didn’t. Based on bundles of evidence and a large quantity of data, he and his team uncovered how the good to great companies like Abbott, Circuit City, Fannie Mae, Gillette, Kimberly-Clark, Kroger, Nucor, Philip Morris, Pitney Bowes, Walgreens, and Wells Fargo maintained great results and accomplished enduring greatness, evolving into companies that were undeniably “Built to Last”. It’s strange that the research performed showed an opposition of what we had always thought, “People are our most important asset”. Instead the researched showed that the right people are the better people, in other words “First get the right people on the bus and the wrong people off the bus” and then later decide on when and where to drive the bus. Collins plans out three stages, each with two key concepts. These six concepts are the heart of Good to Great...
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...Eastern Michigan University DigitalCommons@EMU Senior Honors Theses Honors College 2005 Herzberg's Two-Factor Theory of Motivation Applied to the Motivational Techniques within Financial Institutions Shannon Riley Follow this and additional works at: http://commons.emich.edu/honors Recommended Citation Riley, Shannon, "Herzberg's Two-Factor Theory of Motivation Applied to the Motivational Techniques within Financial Institutions" (2005). Senior Honors Theses. Paper 119. This Open Access Senior Honors Thesis is brought to you for free and open access by the Honors College at DigitalCommons@EMU. It has been accepted for inclusion in Senior Honors Theses by an authorized administrator of DigitalCommons@EMU. For more information, please contact libir@emich.edu. Herzberg's Two-Factor Theory of Motivation Applied to the Motivational Techniques within Financial Institutions Abstract Throughout time, many have attempted to develop detailed theories and studies of motivation, satisfaction, and self-awareness. Each of those theories at some point has been applied and tested as to its effects on people’s lives, jobs, and personal goals in life and in the work place. Due to my strong interest in the management fields specifically, I have decided to look into the different styles of motivation that managers and leaders of organizations within the financial industry typically use. After all, it has been said that one of the manager’s most basic tasks is to communicate...
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...Voice, Washington City Paper and Times. Ta-Nehisi Coates also published a Memoir “The beautiful Struggle” in 2008, and released his second book in July 2015 “Between the world and me.” Coates was born in Baltimore, Maryland to Father Paul Coates a Vietnam War Veteran, former Black Panther, Publisher and librarian, and Mother Cherly Coates, who was a teacher. The Case for Reparation intricately traces the history of racism in the United States from long after slavery ended, to recent examples of housing discrimination. Coates writes about decades of racist policies and deliberate injustices-from Jim Crow to redlining. Not to leave out the unfair housing policies and GI bill. I found this article to be most educational, informative, and well written. I am one who knew very little about the history of slavery that went back as far as 1619. Once I started reading this article I could not put it down. This article had me feeling a shame of myself for not knowing my history. I loved the way Ta-Nehisi Coates writes and speaks. I have to say I was very intrigue with Coates that I got on you-tube and listen to a few of his interviews. His Father and family must be very proud of his young man. While I was reading I often said to myself Wow! Know I’m starting to understand this White Privilege and how the black slaves were treated during this time. As I read about the 19th Century-Jim Crow history, and the racial oppression, the segregation, the cruel and unjust treatment to the people...
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...Using Student Self-Reflections to Improve Student Study Habits in the Mathematics Classroom A Capstone Project Submitted in Partial Fulfillment of the Requirements for the Degree of Master of Arts in Teaching: Mathematics Nancy Daly Department of Mathematics and Computer Science College of Arts and Sciences Graduate School Minot State University Minot, North Dakota Summer 2011 ii This capstone project was submitted by Nancy Daly Graduate Committee: Dr. Laurie Geller, Chairperson Dr. Cheryl Nilsen Dr. Rebecca Anhorn Dean of Graduate School Dr. Linda Cresap Date of defense: Month day, year iii Abstract Type the abstract here. Do not indent. It should be one block paragraph. The abstract is a summary of your paper. iv Acknowledgements Type your acknowledgements here. Indent each paragraph 0.5 inch. You can thank whomever you choose. v Table of Contents Page Abstract .................................................................................................................. iii Acknowledgements ................................................................................................ iv List of Tables ....................................................................................................... viii List of Figures ........................................................................................................ ix Chapter One: Introduction ................................................................
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...JS 5/1/2013 POLS 3315-001 Party Issue Valuations and Reassessments Why do political parties in the United States abandon or revisit specific issues? Moreover, what is the driving force behind a party making an issue politically salient? Some examples that could be correlated with these questions could be why the Republican Party has stayed silent on issues that many old-guard Democrats feel is contentious in the current administration, why the sudden recent ideological transformation of conservative party, or why many politicians steer clear from Wall-Street related subjects (even though lashing out against bankers these days is sure to garner some attention, and most likely support from the general public). All of these examples and more will be discussed in order to provide a sufficient answer as to why issues are left behind in the dust or put out prominently on display. There are numerous factors and variables to consider when trying answering such a question, one of which could be racial factors. It’s been largely documented that Latinos have been an increasingly growing electorate, going from 1 percent of voters from the 1950s to over 11% in the twenty-first century (Abramowitz 27). With this information in mind, it would make sense that the Democratic establishment is today trying to initiate immigration reform in the United States Senate, knowing that they’ll have an increasing amount of support from their Latino electorate. It should also be noted that although...
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