Mortgage Fraud And The Big Short By Starring Christian...

Mortgage fraud is one of the costliest, yet seldom prosecuted crimes in the criminal world. CoreLogic estimates approximately $13 billion in fraud losses occurred in 2012, according to the latest available data in the 2012 Mortgage Fraud Trends Report (Gerding, 2013). While these numbers may seem high, the approximate $13 billion in losses is only a fraction of what it would be if every case were to be prosecuted. Mortgage fraud was also a major contributing factor towards a national, and nearly global economic collapse in 2008 when the United States economy saw the worst recession it has seen since the great depression. Anyone that has seen the films â€Å"99 homes† starring Andrew Garfield and Michael Shannon or â€Å"The Big Short† starring Christian Bale and Ryan Gosling has seen a largely realistic glimpse of mortgage fraud and how devastating it can be. White collar crime: Mortgage fraud Traditionally, there are three types of mortgage fraud that are the most common and well known. These three types are â€Å"fraud for profit†, â€Å"fraud for housing† and a third type that deals with overestimating a property’s value or submitting a false appraisal (Schmalleger, 2016). A relatively new fourth type of mortgage fraud that quickly escalated following the economic crash of 2008 involves a series of scams claiming to save property owners from foreclosure. A criminal that commits fraud for profit essentially inquires about a home or property, makes an offer desirable to the seller and places

Business Time Value of Money and Income Statement

Financial Management Mock Midterm Name___________________________________ 1) Which of the following organization forms accounts for the greatest number of firms? A) Limited Partnership B) S Corporation C) C Corporation D) Sole Proprietorship Section: 1.1 The Four Types of Firms 2) The person charged with running the corporation by instituting the rules and policies set by the board of directors is called A) the Company President. B) the Chief Operating Officer. C) the Chief Executive Officer. D) the Chief Financial Officer. Section: 1.2 Ownership Versus Control of Corporations 3) You overhear your manager saying that she plans to book an Ocean-view room on her upcoming trip to Miami for a meeting. You know that the†¦show more content†¦Section: 2.5 Income Statement Analysis 12) If Luther s accounts receivable were $55.5 million in 2009, then calculate Luther s accounts receivable days for 2009. Section: 2.5 Income Statement Analysis Use the information for the question(s) below. 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Feminism Waves Of Debates Within Feminism Essay

Gender 208 Assignment 1: Waves of Debates within Feminism Feminism, in simple terms, refers to a collective desire to end the oppression of women. Because oppression takes various forms and affects those who are victim to it in a number of different, yet often connected ways; feminism should accordingly be regarded as a multifaceted set of movements working towards multiple aims and ends. Which is to say that feminism is less a single movement concerned with the oppression of women, and more a gathering of movements concerned with a number of oppressive structures, working towards the eradication of domination period. Analysing the works of Mimi Mariuncci (2010), Audre Lorde (1984), and Rosemarie Garland-Thomson (2002) this paper will attempt to answer the question of why intersectionality is imperative to feminist discourse and Praxis, exploring the different areas in which the oppression of women interests with the oppression, marginalisation, and suppression of other minority groups, i.e. queer people, people of colour, people with disa bilities, old people, poor people, transgendered, and gender non-conforming people etc. In the pursuit of inclusivity and intersectionality feminist discourse has been tasked with acknowledging and addressing all forms of oppression as a logic of domination. A theory coined by ecofeminist philosopher Karen Warren which refers to a way of understanding and communicating with the world, and it’s inhabitants, in a way that is structuredShow MoreRelatedWomen Are Not Equal !1601 Words   |  7 PagesIt is said that history repeats itself. 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On the other hand, others argue the word should remain the same, however, people should be educated on the actual intentions of feminism—and not base their understandings off of the recent misguided interpreta tionsRead MoreThe Political And Cultural Challenges That Feminists Have Contested Over Time Essay1635 Words   |  7 Pagesthe history of feminism into three waves; first, second and third. The first wave concentrated on women’s suffrage, the second wave focused on political and cultural disparities and the third wave analysed the definitions of femininity which takes a broad view of white upper class women. This essay will compare and contrast these waves examining the social, political and cultural challenges that feminists have contested over time. 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Cyrano De Bergerac Essay Paper Example For Students

Cyrano De Bergerac Essay Paper The story begins at the Hotel de Bourgogne in the year 1640. Christian de Neuvillette attends the theater with a man called Ligniere in hopes that this man can identify the woman he has fallen in love with. Ligniere identifies the beautiful lady as Roxane, cousin to Cyrano de Bergerac. Christian also finds out from Ligniere that Count de Guiche is in love with her as well. Ligniere told Christian that he made a song that told of de Guiches scheme to get Roxane and that de Guiche probably hated him for it. Ligniere leaves and heads out to a tavern while Cristian stares up at Roxane. In the mean time, a thief had been approaching Christian to make an attempt at stealing from him. When Christian reaches into his pocket he finds a hand. The thief makes a deal with Christian and tells him that Ligniere was going to die that night because he insulted a powerful person with a song. The thief told Christian that a hundred men were posted. Chrisian rushes off to every tavern in town to leave a message for his friend. Ragueneau, a baker, watches for Cyrano. Cyrano had told Montfleury not to appear onstage for a month, yet Montfleury appeared onstage anyway. Cyrano shows up and interrupts the play. He forces Montfleury to leave the stage and in the process of doing so he insults forty-eight people. Valvert insults Cyrano by making a remark about his nose so they duel. While dueling, Cyrano recites a ballade he created and wins the duel. Everyone was delighted and congratulated him. Cyrano confides with his friend Le Bret that he is in love with his cousin Roxane. Le Bret advises Cyrano that he should tell Roxane his feelings because there was no better time than now to tell her his feelings after she witnessed his bravery. Cyrano declined because he felt that she could never love him because of his nose. Roxanes duenna visits Cyrano to tell him that Roxane wished to see him in private. Cyrano sets the meeting up at Ragueneaus shop at seven oclock. Cyrano forgot his sadness and became giddy with excitement. He was interrupted though by Ciugy who brought Ligniere and Brissaille with him. Ligniere read aloud a note that he had been given that warned him he was in danger. Cyrano set out to confront the assassins with a crowd of people to watch. The next part in the story takes place at Ragueneaus bakery. Ragueneau is a poet and congratulates Cyrano for his duel in verse. Cyrano anxiously awaited the arrival of Roxane. Cyrano decided to write Roxane a letter telling her how he felt about her but was unsure how to give it to her. He finally decided he would give it to her in person. In the meantime a group of poets enter the shop and greet Ragueneau. They discuss that the night before, a man killed eight men by himself. They asked Cyrano if he knew the hero but he told them he didnt. The poets forget about the topic and go on to eating free pastries. Roxane and her duenna enter the shop. In order to obtain privacy, Cyrano fills three bags full of pastries and tells the duenna to go outside and not to come inside until she finishes the treats. Roxane tells Cyrano she has fallen in love with Christian. Christian was joining the Guards as a Cadet and she wanted Cyrano to protect him from the Gascons. Cyrano agrees to protect him and Roxane thanks him. After she left, Captain Carbon de Castel-Jaloux enters along with thirty Cadets.Soon, huge crowds of people show up as well, all to congratulate Cyrano on the winning against all the men the night before when he set off with a crowd. Christian shows up as Cyrano starts to tell his story. A Cadet approaches him and tells him he is a sickly northerner. Another Cadet goes on to tell him that he should never mention Cyranos nose or he would end up dead. In order to prove himself to the Cadets he goes on to make fun of Cyranos nose. Cyrano finds out who he is so he did nothing and tried to ignore him but Christian kept on until Cyrano could not take it anymore. He orders everyone to wait outside and then tells Christian about Roxane. Christian makes it aware to Cyrano that he was not good at writing so Cyrano gives him the letter that he had written for Roxane earlier. The crowd enters the shop to find Christian alive and hugging Cyrano. A Musketeer tried to joke on Cyranos nose but receives a slap in the face. Tool Of The Trade EssayThe next location in the story is in the Cadets camp. Everyone was starving and felt helpless. Cyrano didnt pay attention to his hunger and kept himself busy. He wrote to Roxane twice a day and crossed enemy lines in order to mail the letters. When De Guiche approached their tent, the men pulled out card and dice and pretended to be having fun. De Guiche announced that the attack would be in an hour. While they still had time before they had to attack, Cyrano gives Christian a letter he wrote so that if Christian died, Roxane would have a final letter that poured his heart out to her. Cyrano had cried when he wrote the letter and stained the paper. After Christian takes the letter a carriage pulls up with Roxane in it. Roxane steps out and tells Christian and Cyrano that she intended to stay through the attack. Roxane then reveals that she brought food for the all of the Cadets. The men gorged themselves on the elegant food that was well hidden throughout the carriage and even disguised as parts of the carriage. The driver of the carriage turned out to be Ragueneau who was the man that made the feast for them. When the men heard De Guiche approach they hid all the food under hats and coats. Sice Roxane refused to leave, De Guiche decided to stay and fight with the Cadets. Since he showed such bravery the men decide to let him eat with them. De Guiche refused to eat their leftovers and decided he would rather go hungry. While De Guiche showed Roxane around the camp, Cyrano pulled Christian aside and told him not to be surprised if Roxane talked about all the letters he wrote her. He then went on to explain that he wrote her twice a day and didnt always tell Christian that he wrote her. Before they could talk anymore, Roxane came back. Cyrano left them alone so they could have some privacy. Christian then asked her why she came to such a horrible place. She told him that she couldnt stand to be much longer without him because of his letters. She told him that she truly loved him. At first she was only in love with him because he was handsome but now she loved him for his soul. Christian asked her if she would still love him if he was ugly and she told him she would. Christian became choked up and excused himself. He then went to Cyrano and told him that Roxane was in love with him and that he should tell her how he feels about her. Christian then told Roxane that Cyrano had something important to tel l her. Before Cyrano could tell her anything, Le Bret came running up to him and told him that Christian was shot and dying. Before he died, Cyrano whispered in his ear that he told Roxane everything and she sill loved him. After he died Roxane found the letter he was carrying that was stained with blood and tears. De Guiche took Roxane to safety while Cyrano went into the battle. The ending of the book takes place at a convent where Roxane has stayed while in mourning for fifteen years. Cyrano had visited her every Saturday since she had been there. The Duke of Grammont (formerly Count de Guiche) was visiting her as well as Le Bret. Ragueneau showed up and bade Le Bret to come with him quickly because Cyrano was unconscious with a gash in his head. Roxane waited for Cyrano outside while she embroidered. Cyrano was late for the first time then. He acted as if nothing was wrong with him, but sister Marthe saw something was wrong with him. He told her not to tell Roxane, though. Cyrano asked Roxane if he could read the letter that Christian had on him when he died. Roxane gave him the letter and he began reading aloud. Roxane realized that Cyrano wrote that letter. She confronted him and he denied it but she knew the truth. Le Bret and Ragueneau show up looking for Cyrano. They find him there and tell Roxane what happened. Cyrano becomes seized by some mania and goes on about how lies, compromise, prejudice, stupidity, and cowardice have robbed him of glory and love but the one thing they could never touch was his white plume. Bibliography:

The Merchant of Venice Act One Scenes 1 2 Essay Example

The Merchant of Venice Act One Scenes 1 2 Paper 1) The phrase a want-wit means he who wants knowledge. This would come back to the earlier phrase said by Antonio In sooth I know not why I am so sad. He then says that what makes him sad he is to learn and in that says that sadness makes him he who wants knowledge. b) When answering the question above, I made sure that I found out what the original meaning of wit was, as I happened to read this question, giving me a good suspicion that wit did have a different meaning in the time of Shakepeare. c) In the light of point (b), I looked through the meanings of wit in an old dictionary, which lists the meanings of words in the order of the time that they had that particular meaning (oldest first). I would rather have done that than let myself succumb to guesswork and get the answer wrong. d) The quotation starts in elipses () because they mean that text precedes the text shown if looked at in its original source. We will write a custom essay sample on The Merchant of Venice Act One Scenes 1 2 specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on The Merchant of Venice Act One Scenes 1 2 specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on The Merchant of Venice Act One Scenes 1 2 specifically for you FOR ONLY $16.38 $13.9/page Hire Writer e) That starts a new line because the preceding line has run out of its ten-syllable limit. Because the text is written in verse, each line is restricted to ten syllables, (as the play could then be rendered truly false in the eyes of the church), and because the bit of text before contains ten syllables, that must appear on a new line. f) That receives a capital T, even though it is not the start of a new sentence, because the start of a new line when it is in verse means that the first word receives a capital first letter as it is seen as a different segment of text. g) You have put the quotation in the middle of the page and surrounded it with a blank line above and below because it saves loosing the important quote in the midst of the text. Consequently, it also makes the reader want to read it and absorb it more because they can see it better. h) The meaning of the stuff in the brackets at the end of the quotation is that the quotation is lines 6 through to 7 in act one, scene one (although it doesnt directly state the act and the scene as it is aforementioned at the top of the page). 2) I believe that Shakespeare has begun the play with the lament of Antonio because it gives the audience a way to know about the fact that Antonio has argosies bound for various destinations, which becomes important later in the play. It puts the audience in a direct position with the characters as the conversation starts in the middle, but it is also a good way to get the audience initially intrigued. It keeps the audience watching, a bit like those crazy Midsommer Murders sub-plots. 3) Or, as it were, the pageants of the sea, Do overpeer the petty traffickers, That curtsy to them, do them reverence, As they fly by them with their woven wings. (l.i.11-14) b) I think that the purpose in Salarino using such an over-the-top image is to cheer Antonio up. He also says that the ships have portly sails, or as you so eloquently put it fat bastard sails, giving Antonio something to laugh about. (He has, after all, already stated that he is sad.) c) When quoting the lines asked in (a) I purposely looked at how you had quoted the lines at the top of the page as imitation is a good way of learning. I wanted to be sure of getting the way of quoting right, I automatically presumed that you were right because you are the teacher, and so copied your way of doing things in hope to please. In terms of moral beliefs, I do not believe that morality exists, and that everything is based on the views of life. Morality is an elaboration on the ways to prevent a species from going extinct (in basic terms). 4) Antonio reacts to Salanios comment, Why then, you are in love, by saying Fie, fie! as in Good Lord No! He seems to try and change the subject in his saying. Maybe he is, but it is more likely a what a silly statement statement. 5) In lines 82-83, Gratiano begins his speech, Let me play the fool: With mirth and laughter let old wrinkles come From this, you can see that he is about to burst into useless speech when he has no need. His first statement would have, in reality, been plenty. He then goes on to say, There are a sort of men whose visages Do cream and mantle like a standing pond, And do a wilful stillness entertain, With purpose to be dressd in an opinion Of wisdom, gravity, profound conceit, As who should say I am Sir Oracle, And when I ope my lips let no dog bark! This has no direct link to what he started off with, but in this Gratiano states that there are pompous arses, and starts to get philosophical, thus turning his original statement around. Maybe he isnt as full of an infinite deal of nothing as he seems. However, in saying all of that, he goes on and on, turning himself into a pompous arse. Afterwards he says, Ill tell thee more of this another time: But fish not, with this melancholy bait, For this fool gudgeon He has now totally changed subject, not refer ring to anything he had previously. He has also changed the mood of the conversation by referring to melancholy bait. The subject at the start was happiness! 6) a) In scene 1, Antonios objectives are to play on his sadness, find out what ails him and to try and cheer himself up. He also must play on his deeds to Bassanio. He does not appear in scene 2. b) In scene 1, Bassanios objective is to try and squeeze money out of Antonio. I think it should be important that Bassanio should always seem to be trying to squeeze money out of people as it is part of his character. Bassanio does not appear in scene 2. c) In scene 2, Portias objective should be to try and find a suitor, even though she knows it is hopeless to find a decent one. She should always have a feeling of necessity about her when playing the scene, but also a clear sense of hopefulness. She does not appear in scene 1. 7) You can tell that Bassanio is a sleaze by this section when he is trying to get money out of Antonio: In my school-days, when I had lost one shaft, I shot his fellow of the self-same flight The self-same way with more advised watch, To find the other forth, and by adventuring both I oft found both: He tries to use elaborate stories to get his money, which he calls a proof. He also, when speaking of her to Antonio, veers off the path of compliment towards her beauty and goes towards her financial state, saying that she is richly left, and then having to cover up for it by saying to Antonio that she is fair, but even that word is ambiguous, showing us Antonios two-faced nature. His last comparison, that Portia is like the golden fleece, compares her to treasure, and further implies that he only wants her for her money. 8) The important plot point established at lines 176-179 is that Antonio does not have the money to pay Bassanio as all his money is invested in his ships, and hints that he will have to go somewhere else for it. Thou knowst that all my fortunes are at sea; Neither have I money nor commodity To raise a present sum: therefore go forth; Try what my credit can in Venice do: Hmmm 9) Scene 2 is written, for the first part, in prose, which means that it is written in speech form, which is how someone from this time period would construct a play script normally. Scene 1 is written in verse, which is how play scripts had to be written to prove that they were false to the church, although it doesnt rhyme. 10) The marriage conditions laid down in Portias fathers will were that she must get a husband or lose the inheritance, and that she cannot chose her husband herself she must rely on three caskets of gold, silver, and lead as a form of lottery. Whoever picks the right casket gets to marry Portia. 11) Portia has a friendly relationship with Nerissa, even though Portia is of a grater status than her. Their friendship and trust is clearly noticeable when Portia asks Nerissa to put a deep glass of rhenish wine on the contrary casket, to make sure that the German suitor choses the wrong one and does not marry her. This also gives Nerissa tremendous power that clearly contradicts her status. The way the two characters talk to each other, Portia does not look down upon Nerissa, they are very realistic, and the fact that the text is written in prose further emphasizes the realism, yet at the very end, to switch status/society back to its original place, Nerissa comments that her eyes are foolish. The use of this word sets the truth that she is a servant and Nerissa is the mistress. 12) In terms of stereotypes, there is the Frenchman who has all the good stuff but has too many characteristics (and is too noble for his own good), an Englishman who is ignorant to foreign languages and who is a slave of fashion, picking up designs from around the world, a Scotsman who does nothing but fight, and a drunk German. This shows that the characteristics of people from different countries have changed very little, if at all, from Shakespeares time, and shows that Shakespeare has much relevance in the modern world. As for the fact that it is a long question, I think that it is not. It only appears long as the individual statements are not separated by punctuation, making the eye group them, making it seem longer. 13) 14) In terms of separating Jaffa Cakes and Hob-Nobs as races of biscuits and cakes, and asking me to judge which one is better, I am certainly not above being racist, but so I dont offend any do-gooders I do not think I should judge. However, in terms of biscuits, I certainly think that Jaffa Cakes should win as they are much more refreshing. Also, If they were struck, only the chocolate coating would crack as they are in themselves quite spongy. A Hob-Nob would just crumble. (But in a war, could they throw dead Hob-Nob at the enemy?)

African Proverbs and Proverbial Wisdom

African Proverbs and Proverbial Wisdom When you think of Africa, do you think of dense forests and colorful costumes? A continent as culturally vibrant as Africa would also abound in age-old wisdom, dont you think? Many African countries rely on nature for livelihood; they have developed a unique insight into natures laws. Read African proverbs to understand the profundities of nature. These African proverbs have been translated from various African languages: Swahili, Zulu, and Yoruba. African Proverbs Translated From Swahili to English A chickens prayer doesnt affect a hawk.The way a donkey expresses gratitude is by giving someone a bunch of kicks.An envious person requires no reason to practice envy.Its always good to save or invest for the future.Hurry- haste has no blessing.The water pot presses upon the small circular pad.Effort will not counter faith.The hen with baby chicks doesnt swallow the worm.When elephants fight, the grass gets hurt.I pointed out to you the stars and all you saw was the tip of my finger.It is only a male elephant that can save another one from a pit.A deaf ear is followed by death and an ear that listens is followed by blessings. African Proverbs Translated From Yoruba to English He who throws a stone in the market will hit his relative.A person who stammers would eventually say father.One takes care of ones own: when a bachelor roasts yam, he shares it with his sheep.When a kings palace burns down, the re-built palace is more beautiful.A child lacks wisdom, and some say that what is important is that the child does not die; what kills more surely than lack of wisdom?You are given some stew and you add water, you must be wiser than the cook.One does not enter into the water and then run from the cold.One does not fight to save another persons head only to have a kite carry ones own away.One does not use a sword to kill a snail.One gets bitten by a snake only once.Whoever sees mucus in the nose of the king is the one who cleans it. African Proverbs Translated From Zulu to English No sun sets without its histories.A tree is known by its fruit.The groin pains in sympathy with the sore.You are sharp on one side like a knife.The wrong-headed fool, who refuses counsel, will come to grief.The lead cow (the one in front) gets whipped the most.Go and you will find a stone in the road that you cant get over or pass.Hope does not kill; I shall live and get what I want one day.

Is There a Hispanic Challenge to American Nationalism Essay

Is There a Hispanic Challenge to American Nationalism - Essay Example However lately it has been seen that the influx of Hispanics has increased in the region and this has ignited a debate between the multiculturalists and American nationalists. It is at this point that the nationalists argue that their culture and identity is being changed from what it was before when the protestants formed it. On the other hand the multiculturalists believe that the Hispanics are a part of the American culture and they are not harming the integrity of the American nationalism. In my view Hispanics are only giving a platform to the American identity through which they can flourish in a bilingual country. Their language and culture is being assimilated such into the nationalism that the original roots are still being revived. This essay would further revolve around the issue of Hispanic challenge to the American nationalism (Huntington 2004; Strum et al 2004). According to Huntington the culture of America was formed by the protestants and whites whereas with the large influx of Hispanics into the region this culture is seriously being challenged. He believes that the Americans do not ponder much on the issue of Hispanic immigration in the region but rather focus on the economic benefits that the Hispanic immigrants are providing the nation with. Huntington further argues that this can bring a challenge to the identity of America by forming two different cultures with two different languages. He argues that if the immigration of Latin Americans is stopped the wages of the U.S citizens itself can improve along with the original identity of the American nationals. Stopping them would not only allow to improve the policies of immigration but would also help the authorities to assimilate these immigrants into the American culture as it was previously. The Hispanic immigrants have increased so much in the south-western region that some schools in Los Angeles are slowly becoming Mexican as put by Huntington. Moreover with the rapid influx of these immi grants it is also seen that within no time the Hispanics would not have any incentive in learning the English Language. This can create differences between the American citizens and the immigrants and thus all these factors are put forward when discussing the challenge that the Hispanics pose to the American nationalism (Huntington 2004; Lowenthal 2004). On the other hand the proponents of Hispanic immigration have totally different views about the challenge that it poses to American nationalism. According to the proponents no such challenge is posed by the Hispanic population on to the American nationalism. According to consensus it has been seen that the Hispanic population has been largely dispersing into the assimilated neighbourhoods where they can easily get used to the new language and culture (Skerry 2005). The argument that the Hispanics don’t tend to learn English is denied by the proponents as they put forward the 2000 consensus in which it was found that the 50% o f the Mexican born immigrants only talked in English or knew how to speak in English very well. Similarly immigrants from Mexico have lived in America for years and it has been found that the coming generations are talking frequently in English. This clearly shows that the Hispanics are not affecting the language culture formed in the United States (Citrin et al 2007). The 2002 Pew National Hispanic Survey