Mortgage Fraud in the UK Free Essay Example, 5000 words

Other factors include mortgage fraud such as inflating property values carried out by corrupt surveyors (Mae 2007). In the United Kingdom, mortgage fraud is a growing problem in the sense that citizens want equity in their homes exceeding the loan on their assets. This is so because there is a lot of material misrepresentation of information regarding the mortgage loan when an applicant applies for the mortgage loan. The housing market in the United Kingdom is experiencing a boom and fraudsters in the mortgage market take this situation as an advantage with the aim of profit maximisation since they get higher loan than they would if the lender had all the information regarding mortgage loan application at hand. This paper sets out to review the types of mortgage fraud and evaluate whether mortgage fraud in the UK is a growing problem. Fraud is the deliberate dishonesty committed for unlawful or unjust gain (Financial Crimes Enforcement Network (FinCEN 2006). Fraud in relation to mortgages can be defined as fraud for property generally involving material misrepresentation or omission of informatio n with the intent to deceive or mislead a lender into extending credit that would likely not be offered if the true facts were known† (Mae 2007). We will write a custom essay sample on Mortgage Fraud in the UK or any topic specifically for you Only $17.96 $11.86/pageorder now According to Adrianne (2008) mortgage fraud is a criminal action with the intention of obtaining a loan or a larger one by failing to provide the lender with enough truth regarding the mortgage loan application through inadequate information or material misrepresentation. The citizens of United Kingdom need to understand schemes used by mortgage fraudsters so as to minimize the increasing cases of the criminal actions. Citizens need to understand property flipping as a scheme used by mortgage fraudsters (Adrianne 2008). It is not necessarily that property flipping is an illegal action but the manner in which the information is appraised makes property flipping an illegal action. In this case property appraisals are fraudulent done, for instance if land is bought and soled fast after being appraised for a higher dollar value then this is mortgage fraud. Also documents of loan involving the transaction are doctored; the income of the buyer is inflated. Further important definitions include; Mortgage lender: A mortgage lender is an investor that lends money secured by a mortgage on real estate (FinCEN 2006). Mortgagor: The person who mortgages the asset such as the borrower (FinCEN 2006). Mortgagee: The person to whom an asset is mortgaged i. e.

The Reagan Tax Cuts and Foreign Policy - 1442 Words

The Reagan Tax Cuts and Foreign Policy During the 1980s President Ronald Reagans (our 40th president from 1981 to 1989) domestic policy of a substantial tax cut led to greatly increased economic prosperity for our country. During Reagans administration marked changes were made to the tax code and economic statistics showed a major change for the better. However, at the same time, the Democrats controlled the Congress and continued increased spending against Reagans wishes. The Joint Economic Committee stated that an across-the-board tax cut was not new. In the 20s the Mellon tax cuts were implemented by Secretary of Treasury Andrew Mellon during the Administrations of Hoover, Harding, and Coolidge. In the 60s Kennedy introduced†¦show more content†¦In November of 1986 President Reagan confirmed reports that the United States had secretly sold arms to Iran. He stated that the goal was to improve relations with Iran, not to obtain release of U.S. hostages held in the Middle East by terrorists. Later in November, Attorney General Edwin Meese discovered that some of the arms profits had been diverted to aid the Nicaraguan contra rebels--at a time when Congress had prohibited such aid. An independent special prosecutor, former federal judge Lawrence E. Walsh, was appointed to investigate the activities of persons involved in the arms sale or contra aid or both, including marine Lt. Col. Oliver North of the National Security Council (NSC) staff. In May 1989 North was tried and convicted of obstructing Congress and unlawfully destroying government documents, but his conviction was subsequently overturned. Reagan ordered the bombing of military targets in Libya in 1986 in retaliation for its role in international terrorism. His policy of reflagging (flying the U.S. flag on) Kuwaiti oil tankers and providing them with a U.S. naval escort in the Persian Gulf led to clashes with Iran in 1987. President Reagan during his administration sought to improve relation with the Former Soviet Union, and foreign relations did improve greatly. Reagan and Gorbachev paved the way to the end of the cold war. They accomplished this by means of Summit Conferences. Several of these conferences were held from 1985 to 1987.Show MoreRelatedEssay about The Reagan Tax Cuts And Foreign Policy1376 Words   |  6 Pages The Reagan Tax Cuts and Foreign Policy nbsp;nbsp;nbsp;nbsp;nbsp;During the 1980s President Ronald Reagans (our 40th president from 1981 to 1989) domestic policy of a substantial tax cut led to greatly increased economic prosperity for our country. During Reagans administration marked changes were made to the tax code and economic statistics showed a major change for the better. However, at the same time, the Democrats controlled the Congress and continued increased spending against ReagansRead MoreWhat Was The Reagan Revolution?1337 Words   |  6 PagesStudent number: 1530575 PP1070: Introduction to American Politics What was the ‘Reagan Revolution’ and in what ways did it â€Å"change the course which American politics had followed since the 1930s†? Presidents of the United States are expected to lead the country and find solutions to its problems, but the chances of being allowed to do marginal political steps are negligible and success is rarely accomplished. 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Ronald Reagan has that courage, not only did he stay true to his beliefs and ideas, he accomplished them within his presidency. He believed people should be less dependent on their government. Reagan asked citizens to Begin an era of national renewal during his inaugural address. He also declared, Government is not the solution to our problem, governmentRead MoreRonald Wilson Reagan Took Office On January 20Th, 1981.1667 Words   |  7 PagesRonald Wilson Reagan took office on January 20th, 1981. Reagan served from 1981 to 1989. He served two terms and was president from 1981- 1989. President Reagan defeated Jimmy Carter in the 1980 election and Walter Mondale in the 1984 election. He ran his first campaign mostly on President Carter s shortcomings and failures. His campaign slogan was, Are you better off than you were four years ago? His other slogan was, Lets make Am erica great again. This clearly shows that his campaign strategyRead MoreThe Anti Epidemic Of Hiv / Aids909 Words   |  4 PagesMany Americans embraced a new conservatism in social, economic and political life during the 1980s, characterized by the policies of President Ronald Reagan who took office in 1981. Often remembered for its materialism and consumerism, the decade also saw the rise of the â€Å"yuppie,† an explosion of blockbuster movies and the emergence of cable networks like MTV, which introduced the music video and launched the careers of many iconic artists, this lead to a rise in drug abuse, crime aggravated by illegalRead MoreRonald Reagans Domestic and Foreign Affairs Essay1728 Words   |  7 Pages I have decided to write my research paper on the topic of Ronald Reagans Domestic and Foreign Affairs. The reason that I choose this topic was because I have always been personally interested in Ronald Reagans time in office and the national crisis he had to de al with. Reagan was awesome when it came to foreign policy because he knew how to negotiate with foreign leaders and their countries to get what he wanted. There were several instances during his time in office that he had the chanceRead MorePresident Reagan Essay797 Words   |  4 PagesChloe Carr Professor Blodgett History 271 May 14 2013 Social Darwinism Shaping Reaganomics Ronald Reagan made many economic decisions that supported his beliefs in Social Darwinism throughout his presidency. Social Darwinism is considered to be the ideas of struggle for existence and  Ã¢â‚¬Å"survival of the fittest,† a term coined by Herbert Spencer in order  to justify social policies. Over time the individuals with superior biological characteristics will dominate populations that this superRead MoreTax and Reagan1575 Words   |  7 Pagesdown by inflation, foreign policy turmoil and rising crime rate, the nation was troubled by the late 70’s. Due to this many Americans were ready to embrace a new conservatism in social, economic and political life in the 80’s. In the 1980 bid for President, Reagan won the Republican nomination after two failed attempts in 1968 and 1976. Although Ronald Reagan once held Democratic views, he grew more conservative and he official took the side of the Republicans in the 1960’s. Reagans domestic viewsRead MoreEssay Ronald Reagan1177 Words   |  5 PagesRonald Reagan had a very successful life. He was the 40th president of the United States (1981-1989). He was an actor for 30 years before he became involved with politics and starred in more than 50 movies. Reagan was born on February 6, 1911 in Tampico, Illinois. Reagan was raised by his traveling shoe salesman father John Reagan, and his mother Nelle. John was an alcoholic and was saved from the Great Depression by the Works Progress Administration. Reagan was strongly influenced by his mother

Evolutions vs Creationism Free Essays

Creationism Vs Evolution Attention-getting opener: Tonight I am going to talk about Creationism Vs Evolution. Do you know that 800 million people have died in religion’s wars?. * Introduction 1. We will write a custom essay sample on Evolutions vs Creationism or any similar topic only for you Order Now The  creation–evolution controversy  is a recurring dispute about the origins of the Earth, humanity, life, and the universe. 2. The creation-evolution controversy began in Europe and North America in the late 18th century when new interpretations of geology were demonstrated in the  fossil  geological sequence  prompted  early ideas of evolution. * Preview In this speech I’m going to talk to you about 3 important topics. 1. The Creation by the hand of God. 2. The origin of species and natural selection by Darwin. 3. A combined view of the creationism and evolution. * Transition 1 In the first place, let’s talk about the creation by the hand of God. The Creationism  is the  religious belief  that  life, the  Earth, and the  universe  are the  creation  of a  supernatural  being. All made in the image and likeness of God and explains the facts based on the assumption of a supernatural, completed process. Transition 2 Also, I’ll speak of Darwin’s theory. The evolution by natural selection, it’s when more offspring are produced than can possibly survive. When members of a population die they are replaced by the progeny of parents that were better adapted to survive and reproduce in the environment in which natural selection took place. In other words, only the strongest will survive. * Transition 3 Lastly, I show you a combination between Creationism and Evolution. This is a theory that not too many people believe in it, because those who believe in the creationism, not believe in the evolution and vice versa. * Conclusion Given these facts, everyone is free to choose which theory is better for himself. Once the person has established his beliefs, should be respected and he should respect the others beliefs to avoid as many fights and wars as possible and live in a better place. * Memorable closing remarks If you wish to believe in creation or evolution, that is fine, but please don’t judge other people just because they have a different belief than ours. How to cite Evolutions vs Creationism, Papers

Jim Morrison and Susan Sontag Essay Example For Students

Jim Morrison and Susan Sontag Essay Jim Morrison is the lead singer of the classic rock and roll band The Doors. JimMorrison not only was the lead vocalist in the famous sixties band, he was also the writer of mostbut not all of The Doors songs and the author of many poems. Susan Sontag is anaccomplished author. Some of Susan Sontags works include essays, reviews, editing, novelsand short stories. Although at first Jim Morrison and Susan Sontag appear to have nothing orvery little in common, both because of Jim Morrisons main influence coming from authorFriedrich Nietzsche, who believed in existentialism (a body of ethical thought centering about theuniqueness and isolation of individual experiences in a universe indifferent or even hostile toman, regarding human existence as unexplainable, and emphasizing mans freedom of choiceand responsibility for the consequences of his acts), and Susan Sontags writings following astyle of existentialism, both Jim Morrison and Susan Sontags works focus constantly on relatingthe mes sage of placing blame on oneself in order to obtain a more perfect soul. Born James Douglas Morrison on December 8 1843 in Melbourne Florida to parentsSteve and Clara Morrison(Hopkins, Sugerman 5). A few months after the birth of Jim Morrison,Jims father Steve and his mine layer were sent off to fight in World War Two. For the next threeyears Jims mother Clara, was forced to raise Jim with only the help of sympathizing relativeswho believed in ideas such as Children should be seen and not heard Ignore somethingunpleasant and it will go away (Hopkins, Sugerman 5). This constant barrage of negativitymay have been one of the first factors leading to Jims beliefs in existentialism. The way inwhich the negativity lead to Jims belief is that through the constant attack, Jim began to feel asif he were responsible for all of the mishaps occurring in the family. This feelings that Jim had,showed his first signs of becoming an existentialist, because feelings of responsibility are one ofthe common characteristics of many existentialist authors, musicians and artis ts. A second event in Jim Morrisons life, that may have been a reason for Jim becoming aexistentialist occurred while Steve Morrison, Jims father, was driving through New Mexico whenThey The Morrison Family came upon an overturned truck, and saw injured and dying PuebloIndians lying where they had been thrown on the asphalt (Hopkins, Sugerman 6). After seeingthe Indians, Jim felt an urge to have Steve Morrison pull over and attempt to help the dyingIndians but, Steve did not share the same feelings with Jim and continued to drive by saying Itwas a dream Jimmy, it didnt really happen, it was a dream(Hopkins, Sugerman 6). This scenewas considered to be one of the most influential in Jim Morrisons life as the story of the PuebloIndians is constantly referred to in many of the songs written by Jim. One of the songs, whereJim uses the Indian reference, is Dawns Highway where Jim says Indians scattered on dawnshighway bleeding / Ghosts crowd the young childs fragile eggshell mind./ Indian, Ind ian what didyou die for?/ Indian says, nothing at all. (Morrison 4). The dying Pueblo Indians helped tocreate the existential side of Jim Morrison because in his mind he felt as if he were responsiblefor the deaths of the Indians, once again placing blame on himself, a key role in existentialism. Although events played a large role in Jims journey towards existentialism, authorFriedrich Nietzsche who is often considered to be one of the few forefathers of existentialismplayed an equally if not more important role in the journey. Nietzsche played a large role in Jimbecoming an existentialist because Dennis and Jim would sit discussing Nietzsche for hours,arguing occasionally but generally agreeing ardently, reading long passages from thephilosophers works aloud to each other (Hopkins, Sugerman 45). Through these readings Jimlearned about Nietzsche philosophies including the ideal of The Superman and how to becomean existentialist. .ub483d030d66ca5b6f5e5a3688ea0cf93 , .ub483d030d66ca5b6f5e5a3688ea0cf93 .postImageUrl , .ub483d030d66ca5b6f5e5a3688ea0cf93 .centered-text-area { min-height: 80px; position: relative; } .ub483d030d66ca5b6f5e5a3688ea0cf93 , .ub483d030d66ca5b6f5e5a3688ea0cf93:hover , .ub483d030d66ca5b6f5e5a3688ea0cf93:visited , .ub483d030d66ca5b6f5e5a3688ea0cf93:active { border:0!important; } .ub483d030d66ca5b6f5e5a3688ea0cf93 .clearfix:after { content: ""; display: table; clear: both; } .ub483d030d66ca5b6f5e5a3688ea0cf93 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ub483d030d66ca5b6f5e5a3688ea0cf93:active , .ub483d030d66ca5b6f5e5a3688ea0cf93:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ub483d030d66ca5b6f5e5a3688ea0cf93 .centered-text-area { width: 100%; position: relative ; } .ub483d030d66ca5b6f5e5a3688ea0cf93 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ub483d030d66ca5b6f5e5a3688ea0cf93 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ub483d030d66ca5b6f5e5a3688ea0cf93 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ub483d030d66ca5b6f5e5a3688ea0cf93:hover .ctaButton { background-color: #34495E!important; } .ub483d030d66ca5b6f5e5a3688ea0cf93 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ub483d030d66ca5b6f5e5a3688ea0cf93 .ub483d030d66ca5b6f5e5a3688ea0cf93-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ub483d030d66ca5b6f5e5a3688ea0cf93:after { content: ""; display: block; clear: both; } READ: Thanksgiving EssayBy the time Jim Morrison turned 23 he had become an existentialist and it was becauseof his psychological views of the world that inspired Jims lyrics in his poems and music. Thefirst of example of Jim involving existentialism in his lyrics comes from the song An AmericanPrayer where Jim says Grant us one more hour to/ perform our art/ and perfect our lives. When Jim mentions the previous lines, he is making a reference to asking God for one morehour and in this hour Jim plans to perfect our lives, in these lines it can be assumed that Jimhas realized he is not flawless, which is admitting guilt, and that the only way to perfect his soulis by admitting his sins, or placing blame on himself. Another song where existentialism shinesin Jims works is in the poem Dawns Highway. In Dawns Highway Jim rants Indian, Indianwhat did you die for?/ Indian says, nothing at all. These lyrics refer back to one of JimMorrisons earlier life experienced where Jim sees the overturned truck of Pueblo Indians. Asstated earlier it was known that Jim felt as if it was his fault for the death of the Indians becausehis father refused to pull over and let Jim out in order to help the Indians. The thoughts that Jimexperienced as a result of the accidents are a good representation of existentialism becauseonce again Jim is placing guilt on himself. Jims existential words are shown once again in the song The Hitchhiker. The songThe Hitchhiker is a song about a man, assumed to be Jim, who has just killed a man and istelling his story to a stranger Hey, listen, man, I really got a problem/ I dont know how to tellyou,/ but, ah, I killed somebody. Jim later goes on to say how he is not fearful of being caughtIts no big deal, ya know,/ I dont think anybody will find out about it.. Although Jim seams to beconfident about getting away with his crime, he still feels a need to blame himself. As a result ofthis confession Jim has expressed his existential side because of his realization of guilt and hisneed for blaming himself so he can achieve a more perfect soul. Just as Jim Morrison was an existentialist writer, so was Susan Sontag. Susan Sontagwas born on January 16 1933 in New York City, Susan Sontag was the oldest daughter in herPolish Jewish family. Susan Sontag was an author of many novels, short-stories and screenplays(American Writers 451). Susan was, like Jim Morrison, raised by his aunts, uncles andother relatives. The reason for why Susan was raised by her relatives is because when she wasyoung her father was on constant trips to the orient and her mother would go along with herfather on the trips. When Susan was only six years old, her father died on one of his fur tradingtrips in the China. As a result of the death of her father and the absence of her mother Susanwas often considered to be a psychologically abandoned child (Sontag). As Susan Sontags lifecontinued she became more isolated than when she was a kid and often found her only escapefrom society in books. As a result of her isolation and absence of parents Susan started herjourney towards becoming an existentialist style author. Sontags existential style is often present in much of her work, one such example comefrom an essay she wrote in 1966 The white race is the cancer of human history; it is the whiterace and it alone its ideologies and inventions which eradicates autonomous civilizationswherever it spreads, which has upset the ecological balance of the planet, which now threatensthe very existence of life itself (Whats Happening In America, Sontag). The quote from WhatsHappening In America shows how Susan is taking the view of existentialism to an extreme bynot only blaming herself, but by blaming her entire race for the threaten of life. .u6c3d78d72e0426611b8eb568f88959f7 , .u6c3d78d72e0426611b8eb568f88959f7 .postImageUrl , .u6c3d78d72e0426611b8eb568f88959f7 .centered-text-area { min-height: 80px; position: relative; } .u6c3d78d72e0426611b8eb568f88959f7 , .u6c3d78d72e0426611b8eb568f88959f7:hover , .u6c3d78d72e0426611b8eb568f88959f7:visited , .u6c3d78d72e0426611b8eb568f88959f7:active { border:0!important; } .u6c3d78d72e0426611b8eb568f88959f7 .clearfix:after { content: ""; display: table; clear: both; } .u6c3d78d72e0426611b8eb568f88959f7 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u6c3d78d72e0426611b8eb568f88959f7:active , .u6c3d78d72e0426611b8eb568f88959f7:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u6c3d78d72e0426611b8eb568f88959f7 .centered-text-area { width: 100%; position: relative ; } .u6c3d78d72e0426611b8eb568f88959f7 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u6c3d78d72e0426611b8eb568f88959f7 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u6c3d78d72e0426611b8eb568f88959f7 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u6c3d78d72e0426611b8eb568f88959f7:hover .ctaButton { background-color: #34495E!important; } .u6c3d78d72e0426611b8eb568f88959f7 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u6c3d78d72e0426611b8eb568f88959f7 .u6c3d78d72e0426611b8eb568f88959f7-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u6c3d78d72e0426611b8eb568f88959f7:after { content: ""; display: block; clear: both; } READ: The Italian - gothic conventions EssaySontag once again displays her existential style when she writes The human mindpossesses now, almost a second nature, a perspective on its own achievements that fatallyundermines their value and their claim to truth (Thinking Against Oneself: Reflections onCioran, Sontag). In this second quote Sontag displays her feelings about the need for placingblame on yourself in order to improve on your soul. The title of the work Thinking AgainstOneself: Reflections on Cioran also reflects her views by stating the need to place blame ononeself. Susan Sontag and Jim Morrison both show a similar pattern in there writing, both of theauthors constantly write about the need for self blame in order to ascertain a better soul. Although both Sontag and Morrison tell the same idea there ways of presenting the ideas aredifferent. Jim Morrison would often blame just himself and then make an attempt to resolve hismistakes, while Susan Sontag would blame entire groups which she was involved in such as thewhite race but, she unlike Jim often did not write about her ways to resolve the issues. Susanand Jim share one other similarity, both were raised by relatives and not by there parents. As aresult of the self reliance both learned to believe that they were responsible for most eventsaround them. Therefor because of the similar lifestyles and raising Jim Morrison and SusanSontag can both be considered alike through existentialism.