Recent orders
Money Laundering
Money Laundering
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Introduction
There are millions of dollars made illegally and the intention of concealing this act is one of the objectives of the parties involved in such kind of acts. There is therefore need to institute anti-money laundering measures that can curb this activity that is inconsistent with the ordinary range of economic and financial activities. Due to the unlawful nature of money laundering, there is no precise detail of the magnitude of money involved in these transactions either daily or yearly. This piece of writing is a critique of a money laundering article.
Article
According to Wermuth Stefan from Reuters, HSBC was ordered to pay a record $1.9 billion because of the case that involved money laundering case which publicly demonstrated failure by the Europe’s greatest bank to enforce rule to curb money laundering. According to the US Justice Department, the bank was unable to set up an effectual policy that could curb money laundering and ensure maximum scrutiny on all accounts that they operate as even further violated sanction laws by transacting with clients from Iran, Burma and Cuba. The company owned up the mistakes and made an apology for its unlawful conducts. This conduct is purely money laundering because of the fact that the money was put in circulation in HSBC which is a financial institution and this is called placement.
This article successfully exposes how the bank entered an agreement with the Justice department and that they would ensure all the challenges are fixed and were fined $1.256 billion in addition to other fines which summed up to almost $1.92 billion plus other penalties that were to be announced at a later date. HSCBC also had further allegations where they ignored money laundering associated with some clients from Mexico that were involved drug trafficking such as including one of the riskiest countries such as Mexico in its lowest risk category. In this regard, the bank is said to have sent stern warning to its multinational banks to keenly follow the antimony laundering rules that are set (Wermuth 2013).
The author has widely researched on this bank and has even exposed the previous cases involving HSBC. This case is almost the third one that involves inability of the bank to obey the banking laws especially considering the previous directives by the regulators that ordered them to improve their oversight and additional order from US authorities that they should monitor all suspicious transactions. The bank is also reported to have assured its investors that they have set aside almost $1.5 billion to cover fines and penalties arising from the litigations yet this sum of money may notably rise and this hugely damages the brand of the company. The bank has since employed an anti-money laundering expert who was a chief legal advisor in the Treasury Department and further installed an independent anti-money laundering system between 2009 and 2011. There are other several banks that have been accused of money laundering and sanctions violations such as Wachovia Corp, Citigroup, Britain’s Lloyd banking Group, Barclays bank and Dutch bank (Wermuth 2013).
The author of this article has clearly brought up the issue of money laundering in a very good way and has even exposed some of the victims which is very important to the public and this is act by the bank is called Bank complicity because the bank is seen to be transacting with the drug traffickers and other organized crime groups as well as transacting with other countries involved in sanctions with America without considering adequate rules. The previously laundered money is easily injected into the economy by the financial institutions such as using known foreign banks which further sophisticates the process making it a very difficult target for law enforcers.
Reference
Wermuth, Stefan. (2013). HYPERLINK “http://www.nbcnews.com/business/banking-giant-hsbc-pay-record-1-9-billion-money-laundering-1C7541128” Banking Giant HSBC To Pay Record $1.9 Billion In Money-Laundering Case.Nbc Business, n.p. HYPERLINK “http://www.nbcnews.com/business/banking-giant-hsbc-pay-record-1-9-billion-money-laundering-1C7541128” http://www.nbcnews.com/business/banking-giant-hsbc-pay-record-1-9-billion-money-laundering-1C7541128.
MODULE 3 ASSIGNMENT
MODULE 3 ASSIGNMENT
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MODULE 3 ASSIGNMENT
Question 1
Factors that Impede Advance Planning
One factor that hinders advance care planning is the patient’s failure to recognize the significance of advance care planning (Hong et al., 2018). Some patients do not see the need for advance care planning since they think it will never reach a point where they will be unable to make decisions independently. To a greater extent, people’s ignorance of the necessity of advance care planning programs has affected the advance care planning programs since the programmers lack enough people to motivate to get planning. Also, some patients might be in denial of terminal illness, which may hinder the person from seeking advance care planning.
In addition, some people may plan to use their savings to seek treatment for potentially terminal illnesses instead of advance care planning. For example, a family may choose to use their real estate savings to finance the risk of long-term care expenditure. Other people may choose to cater to their long-term care needs based on their financial assets, income, and home equity (Bonnet et al.,2019).
Another factor that impedes advance care planning is avoidance of discussions relating to advance care planning. Fulmer et al. (2018) reveal that many individuals do not take part in conversations concerning advance care planning for various reasons, such as feeling uncomfortable or fear of losing hose. By avoiding such conversations, individuals fail to understand the importance of advance care planning from other people’s perspectives, which impedes their advance care planning.
Effective Measures to Raise Awareness among Americans about Advance Planning
One of the effective measures that can be used to raise awareness among Americans about advance planning is use of mass media campaigns tailored to inform the audience about the benefit of advanced care planning. Stead et al. (2019) reveals that mass media campaigns assist in exposing message to a larger proportion of people through the use of media. The ability of the mass media campaign to reach wider population makes it an effective tool for creating awareness among Americans about advance planning.
Another effective measures that can be used to raise awareness among Americans about advance planning is use promoting open discussions in social media (Mack & Dosa, 2020). Social media should be brought to the forefront of health care information. Social media gives space for people to discuss medical problems outside the healthcare facilities. Since many families with sick relatives use social media to share their experiences and findings of a particular disease, we can use that opportunity to create awareness on these families on the importance of advance care planning.
In addition, government, NGOs, and healthcare organizations can collaborate to educate the public on advance care planning. The government can support different initiatives by healthcare organizations to create awareness on advance care planning. Collaborative efforts are vital in promoting advance care planning, allowing different organizations to link (Mack & Dosa, 2020).
Question 2
Factors that Have Led to Shift in Utilization of Ambulatory Care Services
One of factors that have led to a shift from inpatient hospitalization to the use of ambulatory care services is cost (Sultz & Young, 2017). Building ambulatory care units in areas that are considerably cheaper to operate than in hospitals has increased the number of patients seeking healthcare services in these ambulatory care units since the services offered is affordable (Vogenberg & Santilli 2018). A reduction in outpatient care costs leads to more patients choosing to be treated at ambulatory care units. The patient can go home after the treatment instead of being admitted to the hospital overnight. To ensure effective utilization of outpatient services, ambulatory care units should be built in low-income areas.
Another factor that has resulted in the shift from inpatient hospitalization to ambulatory care services is patient expectation. Ensuring that ambulatory facilities provide convenient and easy access motivates more patients to choose to get medical services from these units since the services are readily available and easily acquired. Besides, ambulatory facilities giving patients shorter visiting lengths have shifted to ambulatory care services. When the visiting hours are set according to the patient’s wants, the patient feels valued, and he may wish to keep seeking help in the same facility. Therefore, it is required that all facilities operate to satisfy their customer’s expectations.
Competition is another factor that has contributed to the shift of utilization to ambulatory care services in the healthcare system. The ongoing competition between hospitals and other healthcare organizations has forced hospitals to add ambulatory care units to overcome this competition. Many hospitals prefer adding ambulatory services since it is cheaper than making capital investments. Competition has resulted in more ambulatory care units, thus shifting the utilization to outpatient services from the inpatient services in the healthcare system.
In addition, technology advancements have moved to the utilization of ambulatory services. Advancement in technology has helped the ambulatory care units deliver organized treatment regimes. For example, remote monitoring has enabled patients to be monitored while away from the hospital; thus, fewer patients need hospitalization. Outpatient care will continue receiving a massive boost via the use of remote monitoring and other forms of cloud connectivity (Vogenberg & Santilli 2018).
Moreover, physician support is another factor that has motivated the shifting of utilization from inpatient to outpatient services. There is partnering within the physician groups in ambulatory care units, making referrals (Sultz & Young, 2017). Most patients have recently been in close contact with physicians, and therefore they can easily acquire medical services outside the medical facilities due to this close contact. This has consequently led to increased levels of outpatient support services. Patients receiving outpatient services often have a personal relationship with the doctors.
Another factor has played a role in shifting the utilization to outpatient care services in chronic disease treatment. First, patients suffering from chronic diseases are best-taken and easily managed in ambulatory care facilities. The desire to treat more chronic diseases has led to hospitals building outpatient care units (Lasserson et al., 2018).
Question 3
Factors that Impede Access to Mental Illness Treatment
Due to the complicated nature of psychological problems, successful treatment generally involves regular contact with mental health care specialists and a range of support services. However, most mental health care services are unavailable or are sometimes under-utilized, mainly in developing countries. Several factors hinder access to mental illness treatment. One of these factors is the Lack of geographical accessibility (Sultz & Young, 2017; Tristiana et al., 2018). Within the distant regions, not all persons can access dependable transportation to care, and so this problem notably hits the most disadvantaged, comprising the low-income groups and disabled persons. Rural residents are more prone than urban people to depend on vehicles as a mode of mobility, so rural inhabitants without autos are more separated from effective care. In addition, there are fewer psychological physicians than healthcare professionals in-network plans, so residents must travel longer for mental healthcare. Mental care services may be more significant for rural communities, but care may be unattainable without access to public transport.
Another factor that hinders access to mental illness treatment is poor mental health awareness (Muhorakeye & Biracyaza, 2021). In both developed and developing countries, the Lack of information on mental illness hinders individuals from knowing more about mental illness and seeking out medication (Lopez et al., 2018). Sultz and Young (2017) also urge that a lack of proper understanding of mental disorders impairs the ability of the family members to provide needed attention to mentally ill relatives.
Another factor that hinders the accessibility of mental health treatment is shame and stigmatization. Muhorakeye and Biracyaza (2021) urge that mentally ill individuals fail to seek medical care due to the shame and stigma of being diagnosed with mental disorders. Also, some community members may feel embarrassed when family members and friends find out that they seek mental ill-treatment caused by social stigma. In addition, some people may fear to reach out for help since the mental health provider may be an associate or a friend, and others may fear being seen walking into and out of a mental health clinic.
The unavailability of adequate medication and health care providers has also hindered the accessibility of mental health treatment in some areas (Muhorakeye & Biracyaza, 2021). Many developing countries lack sufficient essential medicines, and these countries are only limited to access to severe psychological disorders. For example, according to World Health Organization (WHO), some developing countries lack at least one standard antipsychotic, one antidepressant, and one antiepileptic medication accessible in primary health care services (WHO, 2017).
Lastly, some people fail to seek mental ill-treatment due to poor affordability (Muhorakeye & Biracyaza, 2021). For example, in the United States, psychiatric treatment is costly due to the high medication prices, which leads to only a few patients seeking out these services. In addition, insurance policies do not cover psychological disorders in most countries, thus making mental ill-treatment expensive for many people (Sultz & Young, 2017).
References
Bonnet, Carole, Sandrine Juin, and Anne Laferrère. “Private Financing of Long Term Care: Income, Savings, and Reverse Mortgages.” Economie et Statistique 507.1 (2019): 5-24.
Cruz-Saco, María Amparo, and Mónika López-Anuarbe. “Ageing and long-term care planning perceptions of Hispanics in the USA: Evidence from a case study in New London, Connecticut.” Ageing International 42.4 (2017): 488-503.
Fulmer, T., Escobedo, M., Berman, A., Koren, M. J., Hernández, S., & Hult, A. (2018). Physicians’ views on advance care planning and end‐of‐life care conversations. Journal of the American Geriatrics Society, 66(6), 1201-1205. https://doi.org/10.1111/jgs.15374Hong, M., Yi, E. H., Johnson, K. J., & Adamek, M. E. (2018). Facilitators and barriers for advance care planning among ethnic and racial minorities in the U.S.: a systematic review of the current literature. Journal of Immigrant and Minority Health, 20(5), 1277-1287. https://doi.org/10.1007/s10903-017-0670-9
Lasserson, D. S., Harris, C., Elias, T. N. E., Bowen, J. S. T., & Clare, S. (2018). What is the evidence base for ambulatory care for acute medical illness? Acute Med, 17(3), 148-153.
Lopez, V., Sanchez, K., Killian, M. O., & Eghaneyan, B. H. (2018). Depression screening and education: an examination of mental health literacy and stigma in a sample of Hispanic women. BMC public health, 18(1), 1-8.
Mack, D. S., & Dosa, D. (2020). Improving advanced care planning through physician orders for life-sustaining treatment (POLST) expansion across the United States: lessons learned from state-based developments. American Journal of Hospice and Palliative Medicine®, 37(1), 19-26.
Muhorakeye, O., & Biracyaza, E. (2021). Exploring Barriers to Mental Health Services Utilization at Kabutare District Hospital of Rwanda: Perspectives From Patients. Frontiers in psychology, 12, 669. https://doi.org/10.3389/fpsyg.2021.638377Seymour, J. (2018). The impact of public health awareness campaigns on the awareness and quality of palliative care. Journal of Palliative Medicine, 21(S1), S-30. https://dx.doi.org/10.1089%2Fjpm.2017.0391Stead, M., Angus, K., Langley, T., Katikireddi, S. V., Hinds, K., Hilton, S., … & Bauld, L. (2019). What is the impact of mass media campaigns on behaviour and other outcomes? Findings from the review of reviews (review A). In Mass media to communicate public health messages in six health topic areas: a systematic review and other reviews of the evidence. NIHR Journals Library.
Sultz, H. A., & Young, K. M. (2017). Health care, USA: understanding its organization and delivery. Jones & Bartlett Learning.
Tristiana, R. D., Yusuf, A., Fitryasari, R., Wahyuni, S. D., & Nihayati, H. E. (2018). Perceived barriers to mental health services by the family of patients with mental illness. International Journal of Nursing Sciences, 5(1), 63-67. https://doi.org/10.1016/j.ijnss.2017.12.003Vogenberg, F. R., & Santilli, J. (2018). Healthcare Trends for 2018. American Health & Drug Benefits, 11(1), 48-54. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5902765/Wendrich-van Dael, A., Bunn, F., Lynch, J., Pivodic, L., Van den Block, L., & Goodman, C. (2020). Advance care planning for people living with dementia: an umbrella review of effectiveness and experiences. International Journal of Nursing Studies, 107(2020), 1-13. https://doi.org/10.1016/j.ijnurstu.2020.103576World Health Organization. (2017). Improving access to and appropriate use of medicines for mental disorders. https://apps.who.int/iris/bitstream/handle/10665/254794/9789241511421-eng.pdf
Module 03 Content
Assignment # 1
Module 03 Content
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Imagine you have been asked to speak to a group of parents about promoting self-esteem in school-age children. You need to research the topic and prepare a visually appealing PowerPoint slideshow to accompany your presentation. Your PowerPoint slideshow will need to:
Have a title slide.
Contain 5-10 content slides that include Speaker Notes which provide supporting details to use when elaborating on the slide contents.
Address the following questions:
How does level of self-esteem typically change during middle childhood? What factors contribute to this change?
What are some influences on school-age children’s self-esteem?
Does very high self-esteem always have positive effects on children’s adjustment? Why or why not?
What are the typical consequences of low self-esteem?
What are some other strategies that parents and teachers can use to promote children’s self-esteem? What behaviors should adults avoid, and why?
Be written using proper spelling/grammar.
Cite at least 3 academic references and present the sources in APA format on a References slide.
For information about creating PowerPoint presentations or how to add Speaker Notes, consult the resources below.
Writing Guide: PowerPointsHow do I add speaker notes to my PowerPoint presentation slides?Submit your completed assignment to the drop box below. Please check the Course Calendar for specific due dates.
Save your assignment as a Microsoft PowerPoint presentation. (Mac users, please remember to append the “.pptx” extension to the filename.) The name of the file should be your first initial and last name, followed by an underscore and the name of the assignment, and an underscore and the date. An example is shown below:
Jstudent_exampleproblem_101504
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Assignment 2 Due 10/30/21
As societal-norms evolve, a variety of popular entertainment media (books, movies, TV shows, etc.) feature stories of characters who are a part of traditional and non-traditional family or relationship structures. Examples include but are not limited to: traditional families, cohabitation, single-parent households, blended families, same-sex couples, and grandparents as the primary care-givers for their grandchildren.
In a 3-page paper, written in APA format using proper spelling/grammar, address the following:
Describe a book, movie, or TV show that you are familiar with which features characters in families or personal relationships.
Select at least two families/relationships from your chosen story and explain the relationship characteristics and dynamics between individuals.
Apply terminology presented within the module when analyzing the relationships. Be sure to include APA citations for any resources you used as references.
Rasmussen’s Library and Learning Services team has developed a variety of Guides to help support students’ academic endeavors. For this assignment, the Writing Guide and APA Guide may both be helpful. Also consider submitting each assignment to the online Writing Lab for feedback on your draft prior to submitting it for grading. You will find links to these Guides as well as other writing resources and services on the Resources tab.
Submit your completed assignment to the drop box below. Please check the Course Calendar for specific due dates.
Save your assignment as a Microsoft Word document. (Mac users, please remember to append the “.docx” extension to the filename.) The name of the file should be your first initial and last name, followed by an underscore and the name of the assignment, and an underscore and the date. An example is shown below:
Jstudent_exampleproblem_101504
Assignment 3
Module 04 Content
Top of Form
In a 3-page paper, written in APA format using proper spelling/grammar, research the topic of eating disorders and address the following:
Compare and contrast anorexia nervosa and bulimia nervosa.
Who is more likely to suffer from anorexia nervosa and bulimia nervosa? Why?
What are the causes contributing to anorexia nervosa?
What are the consequences of eating disorders?
How can one diagnose eating disorders?
What are the treatment and support options for a person who has eating disorders?
Be sure to include APA citations for any resources you used as references.
Rasmussen’s Library and Learning Services team has developed a variety of Guides to help support students’ academic endeavors. For this assignment, the Writing Guide and APA Guide may both be helpful. Also consider submitting each assignment to the online Writing Lab for feedback on your draft prior to submitting it for grading. You will find links to these Guides as well as other writing resources and services on the Resources tab.
Submit your completed assignment to the drop box below. Please check the Course Calendar for specific due dates.
Save your assignment as a Microsoft Word document. (Mac users, please remember to append the “.docx” extension to the filename.) The name of the file should be your first initial and last name, followed by an underscore and the name of the assignment, and an underscore and the date. An example is shown below:
Jstudent_exampleproblem_101504
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