Saturday, February 8, 2020
There is an ongoing debate about the cost-benefit relationship of Essay
There is an ongoing debate about the cost-benefit relationship of internal controls and their ethical implications - Essay Example investigators cited that the bank lacked strict safeguards against clients laundering money, following a suspicion that illicit drug money was streaming through their internal account. The Regulations by the Federal Reserve require banks to install tight internal controls in order to detect any criminal involvements in their operations (Silver-Greenberg, 2013). This is because weak controls facilitate drug dealers and terrorists to launder money through the financial institutions. The ethical implication of Citigroup’s case is that it failed to observe the Federal’s rules of having complex control mechanisms. In this regard, money laundering might have occurred to sustain the drug traders. Banks need to ensure that they scrutinize their clients to determine the sources and the recipients of the huge sums of money. It is also evident that the management tried to manipulate its financial statements to hide transactions involving the drug dealers. The bank failed to show the money streamed through its Mexican branches into the US, which was an indication of weak controls. The Federal Reserve claims that the bank does not oversee its operations, which leads to funneling of money in support of sanctioned individuals and countries (Silver-Greenberg, 2013). The accounting ethical standards involve the reporting of accurate financial information without manipulations. This implies that organizations should not tamper with their accounting books to make them appear more profitable to the shareholders and investors. For instance, Citigroup had tampered with its records after the money laundering fraud in the backdrop of increasing dividends. Financial institutions need to observe the Bank Secrecy Act by removing tainted cash through recording of doubtful-activity reports (Silver-Greenberg, 2013). This implies that the Citigroup management failed to comply with the rules set by the Federal Reserve, which led to probing into its activities. In order to strengthen
Wednesday, January 29, 2020
Case Study About Trust Report Essay Example for Free
Case Study About Trust Report Essay Trust is the ability to rely confidently, either on an individual or in this scenario the company’s product. It is judged on three dimensions; namely, the ability to be technically competent, its benevolence, that is, the interests and motives, and, finally, the integrity. Positive judgment is a good reflect on the customers’ will to take part in the organization’s dealings. This act may involve buying the company’s products, investing in its stocks, or being an employee. In case any of the attributes become questionable, it may make the customers wary and reluctant in risk taking (Kourdi Bibb, 2007). Distrust in the organization may increase inefficiencies of innovation and damage relationships. Causes leading to the loss of trust Toyota Motor Corporation is a Japan based motor manufacturer. Its headquarters are in Aichi, Japan. This corporation was founded in 1937 and had been since among the best performing motor manufacturers and dealers in the world. With more than 3 billion yen as profit in a fiscal year, as per the financial report of 2013, Toyota could be said to be among what Forbes magazine would name the top 100 best corporations (Kourdi Bibb, 2007). Since the year 2004 to 2010, there had been several complains on Toyota Motors concerning engines and accelerators. On 28 August 2009, a tragic accident occurred in San Diego involving a family travelling in a Toyota Lexus. The car lost control and all the passengers died. Toyota, known for its impeccable repute for reliability and quality products suddenly had to deal with trust crisis. A deficiency in attributes that lead to trust of the company’s products and services in form of a scandal can lead to instant lack of trust (Blackshaw, 2008). An effective response to a trust scandal or failure needs interventions that are aimed at curbing distrust and rebuilding trustworthiness. Distrust regulation can be done through enforcing controls, conditions, and constraints to employees in order to rectify the failure. Intervening may require the removal of guilty parties, the change of the cultural norms of the organization, and introduction of new or the revision of incentives (Blackshaw, 2008). This is not sufficient. Statements and actions too are needed to demonstrate trustworthiness. Statements that show the company’s compelling ability, integrity, and benevolence are required. Apologies, transparency, and ethical practice are required as well. How effective do you consider the taken mitigation actions? Effective repair of trust should undergo simple steps. The first is immediate response to Toyota Corporation belated communications; belated recalls and public apologies damaged its reputation more than the original accident (Liker, 2004). The company ended up losing its sales, investors, and market share. They also lost customer confidence. Toyota Company expressed concern by realizing a statement where they apologized to the family of the victims. It also pledged to carry out investigations. However, the company, regrettably, did not point out the possible causes. This seems like an effective immediate response but it is required for a company to point out to possible causes. Later, the floor mats were suspected to be the likely cause of two accidents that had occurred earlier, but this did not prompt the company into issuing a customer warning (Liker, 2004). They acted upon the suspicions five days after the analysis of the cause was confirmed. This was nineteen days after the fatal accidents. In order to rebuild customer, employee, and investor trust, Toyota Motors released a statement assuring their customers that the floor mats were in good conditions and safe. They praised them as being among the safest mats. This statement was later challenged by NHTSA who accused the company of releasing misleading and inaccurate reports. In a bid to save itself from further downfall, Toyota Motors reacted by giving a remedy to the sticky floor mats. This action caused discretion among investors who thought of the company to have had unclear motives when they released the first statement (Liker, Hoseus, Center for Quality People and Organizations, 2008). This further dented the trust of the shareholders. The mitigation process of the Toyota Company took a long time, hence more damage to be controlled. It was ineffective at the beginning, which was a blow to the shareholders. Although the company founder Akio Toyoda later sent out apologies and through the wall street journal expressed his commitment to reforming the company towards better and safe products with the aim of repairing the damage that had been done (Liker, Hoseus, Center for Quality People and Organizations, 2008). The company through the court compensated the family that had lost their relatives through the accident. This was a step to convey the company’s acceptance of the guilt. Consequences of not addressing trust issues Failure to respond to issues and address the remedies publicly can lead to severe disciplinary actions on a company. These actions may include its termination and payment of fine; Toyota Company due to its sluggish manner of responding to the claims against its products was fined $16.4million (Pelletier, 2005). This is because the company failed to warn its customers thereafter. Toyota accepted its penance. Do you believe that the company’s reputation can be re-build, or will they suffer the consequences also in the years to come? Despite the tarnishing of Toyota Corporation’s reputation, the customers’ and investors’ trust will be rebuilt. The actions that the company undertook such as restricting the company’s management team and procuring a new safety system have seen the company rise to becoming once again among the most profitable companies in the world (Pelletier, 2005). The company is rebuilding itself since the 2009 failure. It has had numerous innovations and recently announced mass hiring of employees. References Bibb, S., Kourdi, J., Bibb, S. (2007). A question of trust: The crucial nature of trust and how to build it in your work and life. London: Cyan. Blackshaw, P. (2008). Satisfied customers tell three friends, angry customers tell 3,000: Running a business in todays consumer driven world. New York: Doubleday. Liker, J. K. (2004). The Toyota way: 14 management principles from the worlds greatest manufacturer. New York: McGraw-Hill.Top of Form Top of FormLiker, J. K., Hoseus, M., Center for Quality People and Organizations. (2008). Toyota culture: The heart and soul of the Toyota way. New York: McGraw-Hill. Pelletier, R. (2005). Its all about service: How to lead your people to care for your customers. Hoboken, N.J: John Wiley Sons Bottom of Form Bottom of Form
Tuesday, January 21, 2020
Upon the Edge of My Endeavor : Understanding How to Learn. :: Free Essays Online
Upon the Edge of My Endeavor : Understanding How to Learn. I stand awake and alert. A first year college student with my sights fixed firmly ahead and my goals just within reach. A positive light is cast upon my future endeavors. Yet, as I reflect upon my educational experiences, I find myself drawing parallels between the direction in which my life is headed now and the similar paths I have traveled along before. I am forced to ask myself if I am truly prepared for what lies ahead. I have asked myself the same thing many times. I was once in a similar position. A fledgling student wavering just between the lines of hesitancy and motivation. I was beginning my freshman year at Oakmont Regional High School in Ashburnham, Massachusetts. Ashburnham Massachusetts is the stereotypical image of the small New England town. Its boundaries are drawn not by geographic limitations but by the unspoken societal messages that all students are exposed to at some point during their educational experience. "Dress a certain way, don't ask too many questions, don't ask the wrong questions, always follow the directions, etc†¦" Most of the incoming freshman had been born there and had experienced similar opportunities from the day they all learned to tie their shoelaces to the day they received their high school diploma and shook hands with the superintendent. I was the exception to the rule in some respects for I had moved to Massachusetts from the Philadelphia area at the end of elementary school. I had not had the same experience as my peers. Not to say that my previous education was in any way superior to the one I was about to receive. However, I did encounter a bit of a culture shock upon my arrival. Freshman year of high school careened past my very eyes before I had the maturity to fully comprehend the knowledge and life experience that was being imparted to my young impressionable intellect. The somewhat nebulous idea of high school loomed before me, acting as both a mirage and a reality. The atmosphere itself was cramped. Every detail about the school was small, building size, classrooms, the student population. Yet in a broader sense I was overwhelmed by the enormousness of the task that lay before me. I was more concerned with surviving the first year than with anything else. Quite obviously I did survive, but not entirely because of the welcoming and nurturing environment that public school systems are expected to adopt. Upon the Edge of My Endeavor : Understanding How to Learn. :: Free Essays Online Upon the Edge of My Endeavor : Understanding How to Learn. I stand awake and alert. A first year college student with my sights fixed firmly ahead and my goals just within reach. A positive light is cast upon my future endeavors. Yet, as I reflect upon my educational experiences, I find myself drawing parallels between the direction in which my life is headed now and the similar paths I have traveled along before. I am forced to ask myself if I am truly prepared for what lies ahead. I have asked myself the same thing many times. I was once in a similar position. A fledgling student wavering just between the lines of hesitancy and motivation. I was beginning my freshman year at Oakmont Regional High School in Ashburnham, Massachusetts. Ashburnham Massachusetts is the stereotypical image of the small New England town. Its boundaries are drawn not by geographic limitations but by the unspoken societal messages that all students are exposed to at some point during their educational experience. "Dress a certain way, don't ask too many questions, don't ask the wrong questions, always follow the directions, etc†¦" Most of the incoming freshman had been born there and had experienced similar opportunities from the day they all learned to tie their shoelaces to the day they received their high school diploma and shook hands with the superintendent. I was the exception to the rule in some respects for I had moved to Massachusetts from the Philadelphia area at the end of elementary school. I had not had the same experience as my peers. Not to say that my previous education was in any way superior to the one I was about to receive. However, I did encounter a bit of a culture shock upon my arrival. Freshman year of high school careened past my very eyes before I had the maturity to fully comprehend the knowledge and life experience that was being imparted to my young impressionable intellect. The somewhat nebulous idea of high school loomed before me, acting as both a mirage and a reality. The atmosphere itself was cramped. Every detail about the school was small, building size, classrooms, the student population. Yet in a broader sense I was overwhelmed by the enormousness of the task that lay before me. I was more concerned with surviving the first year than with anything else. Quite obviously I did survive, but not entirely because of the welcoming and nurturing environment that public school systems are expected to adopt.
Monday, January 13, 2020
Religion and the Meaning of Life Essay
According to Frederich Nietzche, â€Å"A man who has a why to live can bear any how†. To me this statement provides massive insight into the human experience: all people need a purpose in life. As humans we need a constructive outlet through which we can invest our thoughts, emotions, efforts and energies. We need something to thrive for and strive toward. Religion, for many people provides this outlet in life in a most positive manner. It allows people to find themselves by losing themselves foremost. Religion encourages service to others, selflessness, forgiveness and ascetic values that allow people to displace personal prejudices and mental barriers that are roadblocks on the path toward self awareness and understanding. Religion teaches that human beings are direct creations of God. Due to this, the religious person places immense gravity into the definition of what it means to be human. To the religious person human life is sacred therefore all human beings are treated as if they are sacred entities. Dignity is vital to this experience and the religious person lives a decent life based largely on the fact that they find it a grave injustice to engage in dehumanizing acts. A dehumanizing act is any action that undermines the value of what it means to be human, and because human life to the religious person is sacred; treating other people and oneself with respect is part of the job description. Religious people also are heavily focused on remaining loyal to traditions and place heavy emphasis on the concept of togetherness through ceremonies, rituals and even celebrations. Religious people congregate and come together in a forum of mutual understanding of one another’s beliefs and values, and respect for the characteristics that make individuals unique. This is how religious institutions have survived throughout the ages. People of all sorts come together based on a mutual understanding of the same truths. The idea of coming together forms a family-like atmosphere that strengthens dynamics within individual households and strengthens interpersonal bonds among all people whom the religious person encounters. The religious person lives a life of kindness, simplicity and dignity highlighted by unity, loyalty and fairness. These concepts are vital to becoming a well integrated person which is the key component to finding one’s purpose and meaning in life. Once a person gains a sense of purpose, the other aspects of their lives fall into place based around what that person chooses to life for. When a person lives for their faith, their lives are based around morals that encourage reverence for all human beings and a genuine perceptive of righteousness. This is why religious people not only have a strong sense of self, but also have unshakable character based in a solid affection for mankind.
Sunday, January 5, 2020
An Importance Of Goldern Rush - Free Essay Example
Sample details Pages: 7 Words: 1996 Downloads: 7 Date added: 2019/08/16 Category History Essay Level High school Tags: Gold Rush Essay Did you like this example? The Gold Rush began in Sacramento Valley in 1848 when nuggets of gold were discovered. The epidemic was a very significant turning point for American history in the 19th century. The Gold Rush brought thousands of people to San Francisco to mine for gold. From the start, it changed many things about America, even the production of jeans.            The first discovery came from James Wilson Marshall on January 24, 1848. He was working to build a water-powered sawmill when he discovered flakes of gold in the American River. Right around this time, the Treaty of Guadalupe Hidalgo was signed which left a California in the hands of the United States rather than Mexico. The discovery of the gold flakes was supposed to be kept a secret, but soon the word got out. Soon enough, the newspaper was reporting large amounts of gold turning up at the mill. Don’t waste time! Our writers will create an original "An Importance Of Goldern Rush" essay for you Create order           Eventually, about three-quarters of the male population in San Francisco left town to work in the mines, raising the number of miners in the city to 4,000. The trip to California was, however, expensive. Men around the United States would mortgage their homes, borrow money, and even dig into their life savings to make the trip. They became known as 49ers. Women no longer had men around, so they began doing more significant jobs such as running farms or businesses.          Since there were so many people in California to mine for gold, this was a perfect opportunity to set up shops, saloons, and businesses around town to make a fortune in the meantime. In the process, San Francisco became a spot for gambling and prostitution. While this was very risqu? © and lawless, the citys economy was growing more than ever.                  The supply of gold was much lower than the high demand. Anglo-Americans were volatile towards other groups of people because they believed the land belonged to them. Because of this, they forced the others out with acts of violence. In the process, one hundred and twenty thousand Native Americans faced disease, homicide, and starvation during the Gold Rush and died fatally.            Eventually, the large quantity of gold became a smaller amount of gold. The Gold Rush actually did not last that long at all, because there were hundreds of thousands of miners, and a limited amount of gold. The more people that showed up, the less gold that was available for mining. Because of the dangers and struggles that come with mining, machines were created to help do the job. The new technique of hydraulic mining, developed in 1853, brought enormous profits but destroyed much of the regions landscape. (history.com).            The machinery did have a major negative impact on the environment of California. While the state served as a huge gold mine, the way that the gold was collected was destructive. Apparently, all the digging caused a large amount of silt as they dug into the rivers. It also involved, in many cases, using mercury in the process of separating the gold out. All of this flowed downstream, and it heavily damaged the rivers as far as agricultural use is concerned (nationalgeographic.org). Because of the concern, a series of laws were passed that banned mining in rivers.            People began to settle in California and the state became less of a hype and more of a home. The state was so popular that developing states like New Mexico and Arizona did not receive proper attention as new states. California, however, did make enormous popularity. Through the gold rush, around 1867, the gold production brought in a profit of $45 million a year.         It was said that a major way that people made money was by selling mining pans, shovels, and clothes. Prices increased significantly during the time of the Gold Rush. While a mining pan used to cost 20 cents, the price quickly raised to $8, a rough equivalence to $246 in todays money. Boots were $6, which would equal about $185 today. Even the price of eggs and beer extremely increased during this time. One egg itself could cost up to $92.56. The reason the price for these was so high was because the supply was scarce in California, and the merchants realized that they could get rich by scamming the miners into paying way more for the items than they were actually worth.         A majorly important contribution that the Gold Rush made to everyday life today is the production of jeans. The story goes as follows: Levi Strauss and his two other brothers journeyed to San Francisco to make a fortune when they stated a dry foods business. Levi got a letter from his tailor, explaining how the pants are so durable and why they last as long as they do. He explained that they contain rivets in all the points of strain. The tailor wanted to patent the idea, but needed a business partner and requested Levis help. Levi was excited about the idea and agreed. The two began to collaborate, and the Jacob Davis and Levi Strauss Company was founded.         The Gold Rush was seen as an important and influential turning point in the 19th century that brought civilization to California after the war. Men left their homes and broke into their savings accounts to travel the United States and make it to San Francisco to collect some of the gold. Women took over other roles while they were gone. The gold rush did not last long because the demand for gold was much higher than the actual supply available. During the time of the rush, people sold their mining supplies for a very high price to make a profit, and the concept of blue jeans was created. The process of mining also evolved, as high-tech machinery took the place of individual work in the mines. This caused the placement of several new laws because of the negative effect the machines had on the environment. The Gold Rush may not have lasted long, but the effect of it and the impression it made will last a lifetime.The Gold Rush began in Sacramento Valley in 1848 when nuggets of gold were discovered. The epidemic was a very significant turning point for American history in the 19th century. The Gold Rush brought thousands of people to San Francisco to mine for gold. From the start, it changed many things about America, even the production of jeans.            The first discovery came from James Wilson Marshall on January 24, 1848. He was working to build a water-powered sawmill when he discovered flakes of gold in the American River. Right around this time, the Treaty of Guadalupe Hidalgo was signed which left a California in the hands of the United States rather than Mexico. The discovery of the gold flakes was supposed to be kept a secret, but soon the word got out. Soon enough, the newspaper was reporting large amounts of gold turning up at the mill.           Eventually, about three-quarters of the male population in San Francisco left town to work in the mines, raising the number of miners in the city to 4,000. The trip to California was, however, expensive. Men around the United States would mortgage their homes, borrow money, and even dig into their life savings to make the trip. They became known as 49ers. Women no longer had men around, so they began doing more significant jobs such as running farms or businesses.          Since there were so many people in California to mine for gold, this was a perfect opportunity to set up shops, saloons, and businesses around town to make a fortune in the meantime. In the process, San Francisco became a spot for gambling and prostitution. While this was very risqu? © and lawless, the citys economy was growing more than ever.                  The supply of gold was much lower than the high demand. Anglo-Americans were volatile towards other groups of people because they believed the land belonged to them. Because of this, they forced the others out with acts of violence. In the process, one hundred and twenty thousand Native Americans faced disease, homicide, and starvation during the Gold Rush and died fatally.            Eventually, the large quantity of gold became a smaller amount of gold. The Gold Rush actually did not last that long at all, because there were hundreds of thousands of miners, and a limited amount of gold. The more people that showed up, the less gold that was available for mining. Because of the dangers and struggles that come with mining, machines were created to help do the job. The new technique of hydraulic mining, developed in 1853, brought enormous profits but destroyed much of the regions landscape. (history.com).            The machinery did have a major negative impact on the environment of California. While the state served as a huge gold mine, the way that the gold was collected was destructive. Apparently, all the digging caused a large amount of silt as they dug into the rivers. It also involved, in many cases, using mercury in the process of separating the gold out. All of this flowed downstream, and it heavily damaged the rivers as far as agricultural use is concerned (nationalgeographic.org). Because of the concern, a series of laws were passed that banned mining in rivers.            People began to settle in California and the state became less of a hype and more of a home. The state was so popular that developing states like New Mexico and Arizona did not receive proper attention as new states. California, however, did make enormous popularity. Through the gold rush, around 1867, the gold production brought in a profit of $45 million a year.         It was said that a major way that people made money was by selling mining pans, shovels, and clothes. Prices increased significantly during the time of the Gold Rush. While a mining pan used to cost 20 cents, the price quickly raised to $8, a rough equivalence to $246 in todays money. Boots were $6, which would equal about $185 today. Even the price of eggs and beer extremely increased during this time. One egg itself could cost up to $92.56. The reason the price for these was so high was because the supply was scarce in California, and the merchants realized that they could get rich by scamming the miners into paying way more for the items than they were actually worth.         A majorly important contribution that the Gold Rush made to everyday life today is the production of jeans. The story goes as follows: Levi Strauss and his two other brothers journeyed to San Francisco to make a fortune when they stated a dry foods business. Levi got a letter from his tailor, explaining how the pants are so durable and why they last as long as they do. He explained that they contain rivets in all the points of strain. The tailor wanted to patent the idea, but needed a business partner and requested Levis help. Levi was excited about the idea and agreed. The two began to collaborate, and the Jacob Davis and Levi Strauss Company was founded.         The Gold Rush was seen as an important and influential turning point in the 19th century that brought civilization to California after the war. Men left their homes and broke into their savings accounts to travel the United States and make it to San Francisco to collect some of the gold. Women took over other roles while they were gone. The gold rush did not last long because the demand for gold was much higher than the actual supply available. During the time of the rush, people sold their mining supplies for a very high price to make a profit, and the concept of blue jeans was created. The process of mining also evolved, as high-tech machinery took the place of individual work in the mines. This caused the placement of several new laws because of the negative effect the machines had on the environment. The Gold Rush may not have lasted long, but the effect of it and the impression it made will last a lifetime.
Saturday, December 28, 2019
Thursday, December 19, 2019
Essay about Economic, Political, and Social Change Worksheet
University of Phoenix Material Jenifer Hoang April 27, 2015 Economic, Social, and Political Change Worksheet Agricultural Revolution Respond to each of the following questions in two to three sentences: 1 What are the three most important factors contributing to the agricultural revolution in Europe? The three most important factors are advanced farming equipment, three field system, and warmer temperature. 2 How did the agricultural revolution change European society? Provide an example. The agricultural revolution changed European society for the better by providing more jobs to people the more new farming equipment was in demand and also helped people move ttheir lives away from farming itself and expand Europe. Industrial†¦show more content†¦A new mind set of reason took place. The role of women - The role of women changed drastically as they were now given more responsibilities in society along with jobs and incomes. 4 Science - Science no longer sounded like witch craft and research became a very important part of society as more and more questions needed answers. The drive to build newer and better everything was pushing science forward. 5 Anti-Semitism - Realism was on the rise as people began to question how and why towards certain rules, beliefs and traditions. People wanted to be free of the imaginative portrayal of life and wanted to see things for what they really were. Western Political Change between 1815 and 1870 Write two to three sentences per concept about how the following contributed to political change between 1815 and 1870: 6 Liberalism - Liberalism was on the rise as this was representative of the middle class of people in society. More care and importance was being given to the middle class through liberalism as it looked out for individual rights and needs. 7 Conservatism - Conservatism was slowly on the down fall as it was normally made by those who wanted the government to have more power over the people. 8 The alliance system - Rose up to defeat Napoleon Bonaparte. It also stood to maintain strength against future French upheaval. 9 TheShow MoreRelatedEnvironmental Risk Assessment931 Words  | 4 Pagesï » ¿ Risk Assessment Worksheet Name ENV/420 Date Instructor Risk Assessment Worksheet Ecological Risk Assessment Framework The framework of ecological risk assessment consists of a problem statement (formulation), risk analysis, risk characterization, and risk management. 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