Freddie Mac Fraud Thanaphan Darnsomboon PME604 Project Financial Management National University December 18‚ 2012 Freddie Mac Fraud The definition of fraud is “an intentional deception or deceit‚ perpetrated for profit or to gain some unfair or dishonest advantage” (dictionary.com). Fraud is a breach of law and can be punishable by law. Mortgage fraud is one of the financial crimes where a company materially misrepresents or omits information on its mortgage loan documentation in order to
Premium Fraud Mortgage Mortgage loan
The Modern Day Plague (HIV/AIDS) Topic: The effects HIV/AIDS have on young women in the world Specific Purpose: At the end of my speech‚ the audience will be informed on the risks of HIV/AIDS and the steps you can take to prevent this from happening. Central Idea: With this infection growing in the world‚ we must make sure that we are educated and that we avoid the behavior that will cause us to be exposed to the virus Preview: We must understand the causes‚ risks
Premium Immune system Sexual intercourse HIV
AIDS and HIV Introduction Being one of the most fatal viruses in the nation‚ AIDS (Acquired Immunodeficiency Syndrome) is now a serious public health concern in most major U.S. cities and in countries worldwide. Since 1986 there have been impressive advances in understanding of the AIDS virus‚ its mechanisms‚ and its routes of transmission. Even though researchers have put in countless hours‚ and millions of dollars it has not led to a drug that can cure infection with the virus or to a vaccine
Premium AIDS Immune system HIV
Aids Epidemic in Africa Over 30 million people worldwide have been infected with the HIV-AIDS virus. With such high numbers‚ the troubling fact is that 95% of those cases permeate Africa. Obviously AIDS cannot be cured or reversed in any sense‚ however with proper insight and treatment it can be controlled. The means for proper treatment is exactly what Africa lacks‚ in comparison to other regions. Nearly 2.3 million deaths occurred in 2003 within the sub-Saharan region of Africa.The efforts
Premium Africa AIDS HIV
Foreign aid is the transfer of resources between countries‚ usually one with more power and wealth than the other‚ in order to help assist the poorer country ’s stride to develop into a self-dependent nation. (Burnell‚ 3) I feel that foreign aid is very necessary and beneficial for both countries whether they are the providers or the receivers because not only are the two countries forming a bond and an allegiance‚ they are helping the world progress towards equality of nations. Although equality
Premium Human Development Index United Nations Third World
EFFECT OF FOREIGN AID IN KENYA 1. Introduction Foreign aid is usually associated with official development assistance‚ which in turn is a subset of the official development finance‚ and normally targeted to the poorest countries (World Bank‚ 1998). Foreign aid represents an important source of finance in most countries in sub-Saharan Africa (SSA)‚ where it supplements low savings‚ narrow export earnings and thin tax bases. In recent years the donor community has become more stringent about fiscal
Premium Aid Development aid Development
Financial Statements Fraud Table of Contents Introduction ........................................................................................................ 1 Definition ............................................................................................................. 1 Purpose of Financial Statements Fraud ..................................................... 1 Financial Statement Fraud Schemes .....
Premium Generally Accepted Accounting Principles Balance sheet Income statement
A First Data White Paper Now You See It‚ Now You Don’t: A Review of Fraud Costs and Trends Fraud is more dangerous to your business than you think‚ and treating it as a cost of doing business may be emboldening criminals and costing you customers. A well-designed fraud management program can help protect your customers and improve profitability. By Krista Tedder Product Owner‚ Risk Management and Fraud Solutions © 2009 First Data Corporation. All trademarks‚ service marks and trade names
Premium Identity theft Debit card Fraud
In 1927‚ a man by the name of Edwin Perkins created the very popular product know today as Kool-Aid. Kool-Aid was a popular drink mix right from the beginning which was sold in 6 different flavors to wholesale grocery‚ candy and other suitable markets (The History of Kool-Aid‚ 2012). In 1929‚ Perkins and his family packaged and shipped the Kool-Aid drink mix to grocery stores across the country using food brokers. The brand name became so popular that production moved to Chicago to become more efficient
Premium Marketing Great Depression Product life cycle management
What is AIDS? AIDS‚ which stands for Acquired Immunodeficiency Syndrome‚ is a human disease caused by HIV‚ the human immunodeficiency virus. In this disease‚ the immune system gradually becomes less effective‚ which leads to more and more opportunistic infections and tumors. It is transmitted when a bodily fluid‚ for example blood‚ semen‚ or breast milk‚ of an infected individual comes into direct contact with a mucous membrane or blood stream of another individual. Although most commonly thought
Premium AIDS HIV