HARMFUL BUSINESS PRACTICE AND PRODUCT LIABILITY

Harmful Business Practice and Product Liability

BY NJOGUJAMESKARUGIA@GMAIL.COM

Introduction

A civil society is referred to as a community of citizens linked by common interests and have a collective activity. A corporation is a legal entity that is regarded as a legal person with the power to sue and be sued.

Crimes that harm business versus crimes committed by a business

Crimes committed by any corporation are mostly referred to as corporate crimes. Corporation can never act on their own an agent of the corporation has the power to make decision and steer head the functioning of the company. However when a crime occurs the burden of proof lies with prosecution in determining that the commission or omission of the crime was within the scope of his/her employment. An example of a recent fraud case that can be categorized as corporate crime is when employees of Volkswagen installed software designs to help lower the cars emission reading. This made the car appear to outperform their competitors and comply with the regulation that had gave guidelines as to the required standard required.

After investigations were conducted. It was discovered that the cars emitted forty times more than the required level. Since the intended goal was to benefit the business was referred as corporate crime. While white collar crimes refer to nonviolence financial crimes. The motive of the individual is usually to achieve personal financial gain. The common white collar jobs are embezzlement money laundering and fraud. The crime with the greatest threat to society is the corporate crime. With the resources that the companies have they can change the cause of any given market for the better. Without legal restriction and accountability, majority of the corporation that have dominance may exploit and endanger lives with the intention to benefit the company.

Regulation for imported products

The United States is making huge purchases in large volumes from China. The safety of the products in questions is unclear. However, the company that imports the product have a reasonable duty of care to ensure that the product does not cause death or harm to consumers. Duty of care refers to reasonable standard of behavior that a business ought to portray in its practice.  Large Corporation do not embrace this for they mainly focus on cutting costs to raise profits. Business strategies in and how many companies operate is questionable. Although they operate within the legal framework of the United States law that does not guarantee that the product is safe for consumption. The U.S companies should be liable in ensuring that that the product or raw ingredient used from other countries is safe. Companies take the responsibility of the consumer they serve. Unaccountability would mean that they are driven by profit margins and not consumer safety and satisfaction.

Legal Liability for defective products

If U.S retailers and Manufacturers are compelled to use accurate information like ‘origin of ingredients unknown’ then the consumer can take required steps in ensuring that he/she makes choice to either take or disregard the product. The strategy provide transparency and give control power to the buyer to be aware of the risks involved in their actions. This will translate to losses in sales for the company. The labelling in itself is an expense that the company does not wish to incur. But this can only happen when a problem arises.

 Conclusion

There need to be clear regulation put in place to ensure that the products being imported from China are of required standards and quality. The company that imports the product have a reasonable duty of care to ensure that the product they import does not cause death or harm to its consumers. A Duty of care for the companies refers to a set standard of behavior that a business have to portray in its practice.

MORALS AND ETHICAL ISSUES OF PROVIDING DRUGS TO UNDER DEVELOPED COUNTRIES MORE SO AFRICA

AUTHOR: NJOGUJAMESKARUGIA@GMAIL.COM

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Morals and Ethical Issues of Providing Drugs in Underdeveloped Countries

Workers in the field of medicine and substance abuse are faced with numerous ethical dilemmas on individual and societal levels. In definition, ethics is an intellectual approach to a moral issue where one evaluates the actions and choices of people in an effort to understand how to deal with them daily (Center of Substance Abuse Treatment, 2000). As per the Biblical reference, Simon was asked by Jesus to let down the nets for a catch after he found them washing their nets ready to leave after a long futile night in the deep waters. Despite the fact that he was not ready for another disappointed, his morals drove him to listen to the son of God and cast down the nets as instructed. It resulted in a big catch such that he had to ask for help from other fishermen as his boat was almost sinking from the weight of the catch. An ethical dilemma is normal because it tests one’s personal beliefs, values, and judgments and like Simon Peter, it is important to have strong beliefs if the right judgment is to be made.

In medicine, there are ethical considerations that must be made especially if the individuals on the other end are vulnerable like is the case with the poor communities in underdeveloped countries. The eight basic rights that guide medics working on vulnerable communities include (Brewer, 2015);

  1. The right patient- this means that before prescribing and dispensing any medication to the patient, the medical staff should evaluate whether it is the right medication for that particular patient
  2. The right drug- it means that the prescribed medication is the exact medication dispensed to the patient. Without giving generics or substitute medication
  3. The right dose- Doses differ with the patient age and weight. Therefore, the medical staff catering to vulnerable patients should ensure that dosage is accurate and effectively communicated to the patient(Brewer, 2015)
  4. The right route- the means through which the medication is given should be right if it is to be effective. Doing it the wrong way may result in the loss of patient life and a lawsuit in some cases.
  5. The right time- the patient should be instructed accordingly in regards to what time he or she should take the drug and how often they should do it (Brewer, 2015). Failure to this in an underdeveloped community will result in negative patient outcomes and loss of customers
  6. The right documentation- keeping good records like the number of people using a certain drug helps medical staff in monitoring the efficacy of the drugs being provided to patients and evaluating on the most effective drug for treatment.
  7. The right reason- the rationale for prescribing a certain drug should be legitimate and the medical practitioner should be in a position to explain why that specific drug was prescribed over the others. These reasons also need to be medically supported so that they can back up that decision.
  8. The right response- this is important for evaluation or assessment purposes. It determines whether the drug had the desired effect or if there is need to change the medication for a stronger drug (Brewer, 2015).

In most underdeveloped communities, the population is mildly educated and the basic rights mentioned above are approached with an exception. This is because most of them are met with ethical issues because illiterate populations hold onto strong myths and cultural beliefs. For instance, the medic may be forced to work with incoherent patients which makes it harder to communicate with them in an effort to accord them with the best medical care (Grey, 2004). In other instances, some communities in underdeveloped nations do not believe in western treatment methods as they believe that traditional treatments work better. In such an instance, administration of drugs will be difficult and the medical practitioner has to adopt the provisions of the nurses’ codes of ethics below;

Provision 1- ensure that in all medical practices and patient interactions, compassion and respect is upheld. This means treating patients with dignity despite their background and current situation (Brewer, 2015).

Provision 2- fully committing to the patient as an individual, community, group, or family

Provision 3- advocating for the rights of the patient and protecting their rights, safety, and health

Provision 4- taking accountability and responsibility of the nursing practice of fellow colleagues and delegating tasks in accordance to the ability to provide optimum care in an effort to ensure that patient outcomes are positive (Brewer, 2015).

Provision 5- Maintaining competence in the workplace and to strive for professional growth for the good of the patient and the community

Provision 6- improving the health care environment of this vulnerable community and providing conducive environments for patients to feel safe enough to discuss their health insecurities so that they can be advised accordingly and provided with good quality health care

Provision 7- collaborating with other health professionals and the public in general to ensure that all the patient needs are met and that the facility is equipped with adequate resources to meet new health needs (Brewer, 2015).

Provision 8- upholding the values of nursing through good service provision, demonstrating integrity, and ethical nursing practices.

In conclusion, upholding the above provisions and basic rights of vulnerable patients will aid medical practitioners in providing the necessary drugs and health services needed to improve the living standards of these communities (Grey, 2004). Affordable treatments should always be a priority but the medical staff should also stay informed on morals and ethics required when dealing with these communities.

LEADERSHIP, PERSONAL ISSUES, AND RULE OF LAW

BY NJOGU JAMES KARUGIA, njogujameskarugia@gmail.com OR WhatsApp +254711144556

Leadership, Personal Issues, and the Rules of Law

Law enforcement operations and management

Police field operations can be classified into two categories- investigations and patrol. Patrol is the “backbone of policing” considering that it has the largest percentage of police personnel. They work to deter and prevent crime, apprehend offenders, provide non-crime related services like traffic control, and create a sense of security and satisfaction among the public, and to identify and solve community problems as they arise. Basically, the presence of patrol officers is to deter offenders from committing crimes or causing trouble in the community (Roberg, Novak, Cordner & Smith, 2017).

Initially, police patrol tactics were proactive where they would visit different communities to ensure calmness is maintained but with technological advancement and introduction of radio and telephone, their tactics have turned to be reactive. This means that they tend to react to situations that compromise the peace and order of the community and are therefore more target-oriented.

Investigations is the second police field operations category. They have more complex responsibilities than patrol officers where they are involved in intelligence collection, undercover operations, and crime investigation (Roberg, Novak, Cordner & Smith, 2017). They follow up on different reports and narrow down the clues until the perpetration of the crime under investigation is identified. Their work is easier with technological advancements like automated fingerprint identification systems and DNA compatibility tests.

In terms of structure and management, most similarly sized police departments are organized in the same way. They are all embracing diversity in terms of ethnicity and race and the type of technology being used. These police precincts are divided into various departments like patrol, criminal investigation, traffic, tactical enforcement, juvenile bureau, communications, and internal affairs (Roberg, Novak, Cordner & Smith, 2017). All these departments are headed by a supervisor and all supervisors report to the Chief of Police in their respective precincts.

Examine the change in requirements that police hiring agencies have had for potential candidates over the last 50 years and discuss the effects on law enforcement organizations. Support or critique the current requirements.

The change in police hiring agencies has transformed compared to the first time police departments were formed in the 1800s. At the time, they were designed to control individual communities and American citizens which explains why the country has more than 12,000 municipal police departments. The police were highly accountable to the public considering that they depended on them for funding and to this effect, there were numerous cases of unequal policing depending on the funding received. This transformation occurred over the centuries and the face of the police department was polished over time (Smith, 2018). The hiring process was not as strict as it is today since renowned locals were selected to join the police force and maintain peace and harmony in their communities. It therefore explains why police in the 1950s knew all the troublemakers in their patrol area by name and he dealt with them justly. However, their technology was less refined and they used tactic and locals to obtain information on the troublemakers. Over time, the hiring process became hectic for interested parties as they had to meet tough requirements before they could join the police force. It therefore resulted in decline of the number of people looking to join the force resulting in a gap that the American law enforcement system is struggling to fill.

The current requirements include; be 19 years to 21 years (depending on the state), have a high school education although college education is preferred as well, be an American citizen by birth or naturalization, have a driving license, prior military service is preferred although a university education or job experience is okay, one should not be a previous offender, and finally pass the physical and ethical tests to be subjected by the police academy (Roufa, 2019). Most applicants pass all the requirements but are rejected in the medical and physical test stages which can be bias or unfair at other times. Some requirements are difficult to meet considering that they require a college graduate with job experience is difficult in today’s America because of the high college fees and growing unemployment rates.

After realization that these requirements are difficult to meet and there is need to feel the growing employee gaps, some law enforcement agencies have changed their hiring tactics. For instance, Philadelphia police departments are recruiting applicants who are 22 years old and college requirements were scrapped off thus attracting more applicants (Gregg, 2017). The Memphis Police Department has also scrapped off college credits as a requirement as long as one has military or job experience. These requirements are more reasonable and attainable for interested individuals (Connolly, 2018).

Examine two areas in which federal courts have placed limits on officer’s constitutional rights due to the nature of their work and explain the reasoning.

The first constraint that officers have in democratic societies is where they are not allowed to include personal issues and practices in their work. It is important that police departments understand that the officers are human beings too. They have emotions that may need to be expressed despite the nature of their work. However, the federal courts dictate that when making departmental decisions, objectivity should be upheld without emotion (Smith, 2018). This means that the formal or informal relationships made in the workplace are not considered when an organizational decision is being made. For instance, when the need to reassign an officer to another precinct arises, the emotions of that individual’s partner are not considered even if they were partners for a decade. The argument is that getting emotional during such decisions will delay the process and thus consume time that would have been used to serve the people. Besides, the partner should learn how to move on and start over with a new partner who is just as experienced at their job.

The second constraint that police officers experience is that their constitutional freedom of speech and expression is limited due to the nature of their job. For them, a rant on the internet will cost them a three day’s pay while sharing a video about sensitive information from their department will cost them ten day’s pay (Sawyer, 2016). The reasoning behind this is that the officer is tainting the name of the police department in the public eye which is punishable and intolerable. Their freedom of speech is highly limited and any expression on social media that does not appease the administration will have consequences. Besides, the public is also on the lookout for bad police activity online where they politically charge and innocent post by a police officer claiming that it is prejudice against a specific community which may not always be true. Some police officers have lost their job over social media hence calling for caution about an officer’s online activity (Sawyer, 2016).

Identify three constraints placed on law enforcement and examine how these constraints affect how law enforcement conducts their operations.

The first constraint when managing police officers is making a decision on discretion. In most cases, police officers are expected to make their own judgment when met with an issue while working. These judgments are kept discrete by the department administrators and supervisors who take responsibility of the officer’s actions. However, some discretions can be destructive especially is the officer’s decision has a negative outcome that led to injury, damages, or death (Wuthichai, 2017). Despite the result, supervisors have to take responsibility and discretion in such matters may result in a penalty or getting fired. Therefore, some supervisors end up giving ultimatums and threats on police actions and this discourages the officers from undertaking their duties well in fear of getting in trouble or getting fired.

The second constraint when managing police officers is having to work with difficult-to-achieve and ambiguous goals. Police organization goals have proven to be ambiguous considering that one cannot explain what constitutes good policing. Therefore, the management cannot make a bold decision about the most qualified police officers in terms of good policing as the means over ends syndrome prevails in the precincts (Wuthichai, 2017). For instance, making an arrest may seem like a good policing goal yet it is only a means to the goal of good policing.

The third constraint is in leadership where the American law enforcement is facing numerous challenges as they seek to rebuild the community trust and police legitimacy that is getting lost at a fast rate. Upholding professionalism is proving to be a difficult task as the public sheds more light on the shortcomings of law enforcement (Smith, 2018). The societal violence against police officer is also increasing hence calling for more force when dealing with offenders but this is still tainting the image of the police despite their efforts to improve their image.

Examine two current events in which police supervisors were held criminally liable for their officers’ misconduct and explain the reasons why.

The Flint, Michigan Chief of Police was fired in 2016 after facing perjury charges in a wrongful murder conviction of a teenager. This was after he contradicted his own sworn testimony about Davontae Sanford, a murder suspect. The former Chief of Police contradicted his evidence which was crucial to the case and this led to the release of the innocent teenager (Felton, 2016). Chicago’s police superintended McCarthy was fired in 2015 for the shooting of a teenager by one of his officers, Jason Van Dyke who fired 16 shots. The superintended was fired on the basis that he was deliberately suppressing the case citing police investigations knowing that the officer was on the wrong. (McClelland, 2018).

BOEING 787 DREAM LINER LAUNCH FAILURE. WAYS TO DIE BY BOARDING IT

Launch Failure of Boeing 787 Dreamliner

The journal article describes the frustrations of Boeing after a difficult and discouraging launch of the Boeing 787 Dreamliner meant to change the future of commercial air travel. Its success was already in the picture after its launch was announced considering that it became the best-selling aircraft in history after the announcement. Depending on the model of preference, the price list ranged from $161 to $205 million and more than 847 orders had been placed all over the world. The 787 Dreamliner characteristics that stood out for the buyers were- fuel efficiency, 330 passenger seating, lower fuel consumption, new assembly techniques, lighter composite material, and outsourcing development work to global suppliers. In simple terms, “Boeing had hit the home run” with the 787 Dreamliner and the future of commercial air travel looked brighter. However, their downfall started with delivery date slippages of the first orders where they fell four years behind schedule. The market reacted with a drop in stock after it was revealed that the product was experiencing technical problems and there were supply chain problems that the company was experiencing at the time. In 2005, the first announcement of a six-month delay was made in public.

According to the Boeing, the delays were initially due to a supply chain problem and technical problems. The supplier delay issue proceeded for some time and then a problem with the fasteners occurred. In this case, the fasteners were used to attach the composite aircraft components together but they were reporting repeated failure which caused the fifth delay in the delivery schedule. A machinist strike also occurred in the process and its effects were felt during the production process of the Dreamliner. “The need to reinforce an area within the side-of-body aircraft body section” also arose and this postponed the first flight. This was costly for the company which had to write off $2.5 billion for the faulty Dreamliners that had already been built. The first successful test flight of the Boeing 787 Dreamliner was in December 2009, six years behind the intended launch. First deliveries were scheduled for 2011 although some airlines like Air India had already announced a compensation claim against Boeing because of the repeated delays.

 In 2010, the Dreamliners were grounded again after a fire incident and Boeing was forced to undertake extensive testing on the aircraft’s electrical system and the company feared that the delivery dates would be pushed again. The final deliveries were made more than three years later than the intended day proving that the company was way above its head with the Dreamliner. Despite the hiccups, the 787 Dreamliner is a state-of-the-art aircraft where it uses composite materials extensively unlike other commercial planes and has carbon fiber-reinforced plastic which make it lighter than most commercial aircrafts. The lighter weight has led to the use of new generation jet engines and therefore, the aircraft records lower costs of operations. However, some airlines argue that some of these characteristics are a hoax after testing the Dreamliner while suppliers feel pressured by the airline which makes complicated and barely attainable orders on the products needed for the aircraft. These complaints make the future of the Boeing 787 bleak and difficult to predict.

The journal article is more of a critique of the activities of Boeing in the production of the Boeing 787 Dreamliner. Deemed the best commercial aircraft idea, the article is quick to mention the bleak future of this bright idea that was meant to change the world. It is poorly organized where it mentions the causes of failure before giving an outline of all the milestones the Dreamliner which throws off the reader. In addition, this journal article barely compares this Dreamliner with other Boeing aircrafts which would be a good option especially for readers who would like to know about the previous works of Boeing. On the other hand, the article title reads that the launch of the Dreamliner was a failure which is not the case considering that it finally released its first aircraft and even made deliveries to anxious customers. It would have been better if the author mentioned that the Boeing 787 Dreamliner launch was troubled or frustrating. Finally, the author needs to mention the financial losses that the company experienced in terms of compensations made to customers who backed out of the buy after the unexpected delays and the total loss incurred when building the Dreamliner that turned out faulty before the first successful launch.  

In conclusion, the concept being discussed in this case is poor management by an airline. They had a great idea, one that was to change the world of commercial travel but they lacked the necessary skills to make that idea into reality. The airline not only announced a specific delivery year, but also guaranteed delivery of the aircrafts without ensuring that the idea was possible in the first place. It was after taking orders from airlines and starting on the production process of the Boeing 787 Dreamliner that they realized that the design had numerous flaws and fixing them would not only cost more money, but also more time and therefore delay delivery.

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PUBLIC SERVICE MANAGEMENT NOTES AND SUMMARY AND ANALYSIS

PUBLIC SERVICE MANAGEMENT

INTRODUCTION

PSA or public service announcement is a message that is passed to the public with the intention of creating awareness of a certain behavior or culture that exist. The message is mostly free and educative.

When locating an audience for your PSA you have to prioritize your outreach. This means that one has to focus on the best platform that will give most results. An impactful public service announcement will only meet the required target if the mode of communication used is that which will be able to reach to at least ¾ of the intended person.

The other major consideration would be understanding the mindset of the audience and the medium of advertisement in which you to reach the audience. Majority of the mediums that you intend to use an example being the media, will focus on how the PSA will relate to their audience and can only be of help if the advertisement will increase their audience (Goodwill,2017).

When identifying a potential sponsor, there are various things one should take into consideration and they include, the massage that you wish to communicate to people. Majority of the sponsors will be interested with messages that promote their product or do not conflict with their mode of trade. This is to mean that, when speaking out in regards to an issue it must always be consistent to the sponsors believes and way of conducting things.

When deciding a topic, it is always recommendable that the topic be easily understandable at first instant or encounter. Over complication of the subject matter will always create doubt with the audience. Another factor to take into consideration is always show and indicate a problem that has existed. This help the audience resonate with the advertisement and will likely take it as a challenge towards solving the behavior. When deciding on the topic you have to also know what you believe in and the kind of preferences are so that you can be able to go in-depth with the subject that you wish to explore in your campaign.

The mode of communication should be simple and to the point. This is to mean that you need to share success stories. The success stories should include impact made by your campaign and the personal relationship that the campaign has brought. You will have to include underlying factors that have made the campaign a success and challenges faced. By this, you will be using the technique of resonating with the audience and make them feel that they are part of the journey towards making a better world for themselves and future generations. Credibility of any given public service announcement will be made possible if there are partnerships established with the community you purport to help.

EXECUTIVE SUMMARY

My PSA grant application is based on a research conducted in 2012 (Wil Schroter,Eric Corl, 2012) where lack of good mentorship and support makes half of total number of startup business to fail or not proceed. My major concern will be ensuring that young startup companies get required funding and support. Utilization of the available platform to support the young people towards achieving the intended goal. The required capital required is a range of the an amount but with partnerships built our mode of communication will be audio podcast due to its effectiveness and impact to the audience.

COMMUNICATION IN HEALTHCARE ORGANIZATION

Communication in healthcare organization

Cultural diversity in a healthcare organization influences communication between practitioners and patients due to religious beliefs, language barriers, and diverse culture. This differences within an organization affect and impact communication (Scherman, 2017).

What impact does cultural diversity have upon communications in a healthcare organization?

Studies conducted have highlighted the impact that cultural diversity has on quality healthcare. Facts conducted by Health Professional for diversity coalition showed that race influences service delivery in a healthcare organization. In its report, it stated that it is more likely for an African American who is dire need of kidney transplant to wait twice as much as a white patient (King, 2014). Cultural diversity influences a community positively and negatively and has an impact on communication at any given healthcare organization.

In terms of communication, does cultural diversity impact patient safety and quality of care?

My answer is yes. Cultural diversity has both positive and negative impact on the patient and influences the quality of care that the patient may receive. The Health professional for diversity coalition report brought out measures that need to be taken to enhance communication, impact patient safety and improve the quality of care of patients. It recommends that during training, health professionals should be made to interact with individuals from various racial and ethnic background. This will broaden their perspective of ethnic, racial and cultural differences and similarities (King, 2014).

In conclusion, diversity in education improves learning outcomes for students. When such skills are developed, intellectual engagement and individual social skills enhance cultural understanding by exposing diversity principles. Cultural diversity involving religious beliefs, language barriers and diverse culture in a healthcare organization is influenced by communication between practitioners and patients (Wilson, 2010). This differences within an organization affect and impact communication (Scherman, 2017).

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GAP MANAGEMENT

Gap Management

Introduction and purpose

Gap management is the management of assets and liabilities to ensure that there is a balance in interest rates. The purpose of gap management is to ensure that the money going out to cover debts offsets the income being received from investments that are earning an interest.

Method

There are four major methods of gap management namely acceptance of interest margin fluctuations, management of funds gaps in the rate cycle, seeking a balanced or zero gap position, and using artificial hedges (Elahi, Dehdashti & Majedi, 2011). Acceptance of fluctuations in interest margins is a banking risk because despite the fluctuations experienced, the bank is expected to meet borrower’s and depositor’s needs without fail. On the other hand, management of funds gaps in the rate cycle is meant to determine whether to narrow or widen the fund gap depending on the positive or negative nature of the gap type, and the falling or rising movement of short-term  rates.

Seeking a balanced or zero gap position is a bank’s decision not to take an interest risk because of their limited access to financial markets and few staff members while the adoption of hedging ensures offsetting of profit and loss. Artificial hedges involve engagement in a transaction that yields a profit which covers the losses expected to be incurred from another transaction. In return, the profit and loss values of the two transactions are either of approximate amount or offsetting.

RSA and RSL in gap management

In an effort to manage assets and liabilities, banks have to identify their RSL and RSA. These are the Rate Sensitive Liabilities and Rate Sensitive Assets respectively. A rate sensitive instrument can be repriced in every 90 days or less. When a bank is able to control the GAP between RSA and RSL, they are able to manage their assets and liabilities effectively. Positive gaps occur when RSA is greater than RSL while negative gaps occur when RSL is greater than RSA. A positive or negative gap determines whether the business would benefit from declining or rising interest rates.

GAP = RSA- RSL

GAP Ratio = RSA / RSL (Elahi, Dehdashti & Majedi, 2011)

Application, strengths, and risks of gap management

Gap management was adopted in the 1980s by banking institutions that sought to manage their interest rate risks in duration analysis. Today, it is still widely used. However, gap management ignores differences in spread between rates of interest as a result of increasing market level interest rates, changes in interest rate environments, and fails to show a variability in non-interest revenue expenses. The major strengths of gap management are that it reduces the gap between assets and liabilities, assesses liquidity risk and interest rate risk, and aids in differentiating rate-sensitive assets from rate-sensitive liabilities at a given period of time (Elahi, Dehdashti & Majedi, 2011).

Article summary

The article explains how banks and businesses are coping with the changing interest rate environment where there is increased attention to to ALM risk management practices as banking landscapes experience change. In return, the management of these institutions is working to acquire more knowledge on banking landscapes, interest rates, and liquidity risks in an effort to keep up with new trends of doing business and manage ALM (Gray, 2013). The article also explains how different institutions have achieved risk tolerance as they strive to adopt practices and procedures needed to reduce ALM risks.

IDENTITY THEFT

Cyber Crime-Identity Theft and Invasion of privacy

Introduction

Cybercrime is a crime that involves a computer as the object of the crime used to commit an offense. A device may be used by a cybercriminal to access personal user information, business information that is confidential and government information either to sell or release the information to unauthorized people.

Identity Theft and invasion of privacy

Cybercrime is an international problem and affects virtual and the physical body. An example is, when cybercriminal steal credit card records. First they make digital information about the individual. This is dangerous for they use the card information to buy and use money resulting to high bills translating to losses for the credit card company. The identity theft may result to private information being sold and breach of privacy.

Summary of the Article

An article published on the February, 2018 showed how Identity theft and invasion of privacy almost ruined someone’s life. An anonymous person lost her credit card. The Individual credit names were used to create new identities for the criminal. The cybercriminal contacted the credit bank and changed the mailing address on the account, he/she later got a passport and driver’s license with his own picture but the names used are for the victim. The cybercriminal got a new social security card and opened a bank accounts which he acquired and received loans with the victim’s background and credit records.

Conclusion

Majority of people know that cybercrime is real but are not taking preventive measures to ensure that they are not part being robbed by changing their credentials and update passwords. This make most people be vulnerable to cyber hacks. You need to familiarize yourself with the new preventive measure you can take to curb identity theft and invasion of privacy.

THE U.S CONSTITUTION

Why wasn’t the Bill of Rights originally in the US Constitution?

George Mason played an integral role in the implementation of the United States Constitution. He was vocal on human rights, individual liberty and advocated on the creation of the bill of rights. George Mason played a large role in crafting the constitution but he withheld his support for he felt that it did not end slave trade and lacked the bill of rights. However, federalists argued that there was no need to include the bill of rights in the constitution because both the state and the federal government had distinguished powers which were meant to protect citizens. This was not the case since the constitution according to Mason was too powerful and could create an intrusive government if the amendments were not made.  

The three Fifth Compromise

The three fifth compromise was the process where a slave’s census was conducted to facilitate taxation and representation by the federal government. The states in the south wanted to do a head count of all the slaves but never agreed to be taxed because the slaves were regarded as property for the colonial masters but the states in the north did not agree with it. The Southern states and the Northern states agreed on to count three out of every five slaves for taxation and representation purposes.

Shay Rebellion

In 1786, a war veteran named Daniel Shay led a protest over unjust economic policies and high taxes. The rebellion exposed the weaknesses that the Government had under the Articles of confederation. The central government was unable to calm the rebellion. Shay rebellion revealed that the Articles of Confederation gave too much power to individual states while the federal government remained weak. The rebellion created a balance of power between the two governments.

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