Financial abuse

The research utilizes both quantitative and qualitative methods in tandem with the data collects from students in Vietnam universities. The results demonstrate that three main variables impact significantly on intention, including “Social Influence,” “Financial Literacy,” and “Expectancy Effort.” In particular, the "Financial Literacy" element is added by the author through the results of in-depth interviews. Besides, “Gender” and “Academic Year” also affect the relationship between three main variables, and the intention to use predatory lending.

22p nhanchienthien 25-07-2023 5 2   Download

To assess the impact of virtual capacity assessments on access to medical care, community supports, and transitions to higher levels of care. Study Setting: Virtual capacity evaluations of homebound suspected elder abuse/ neglect/financial exploitation victims identified via exclusion criteria and initiated by Cuyahoga County adult protective services (APS) and conducted with Cleveland Clinic Geriatric Medicine.

6p vigamora 25-05-2023 6 2   Download

This research focuses on young adults aged 18-29 years in their relationship-formation phase, to gain greater insights that inform prevention-based social marketing campaigns. Research questions: The main research question was: How does economic abuse manifest in young adult relationships? There were three sub-questions: What is the prevalence of economic abuse among young adults? What is the lived experience of economic abuse in young adult relationships? And what factors are associated with economic abuse among young adults in relationships?

223p runthenight04 02-02-2023 2 1   Download

This paper aims to explain variations in individuals’ health-related quality of life (HRQoL) by focusing on two separate sets of variables that clearly lie outside of own control: Parents’ health is measured by their experience of somatic diseases, psychological problems and any substance abuse, while parents’ wealth is indicated by childhood financial conditions (CFC).

10p viferrari 29-10-2022 5 2   Download

The paper describes the needs, challenges and vulnerabilities of Vietnamese international migrant workers (IMWs), with an emphasis on the violations and abuses of their human rights within global and ASEAN contexts from gender and human rights perspectives, as well as the benefits and the opportunities for IMWs in terms of their financial situation, their contribution, and professional and personal development. The paper argues that the country needs to shift from supplying cheap low-skilled manpower to more regionally and globally competitive and skilled manpower.

23p thanos1 16-05-2018 26 1   Download

In our recent book, Free Cash Flow and Shareholder Yield: New Priorities for the Global Investor (John Wiley & Sons, 2007), we offered a comprehensive introduction to the opportunities and challenges inherent in today’s equity markets. By looking beyond the many obfuscations of traditional generally accepted accounting principles (GAAP) accounting, we endeavored to provide the informed investor with the tools necessary to navigate a changing investment landscape.

207p haiduong_1 03-04-2013 84 21   Download

Good Practice in the Law and Safeguarding Adults provides an up-to-date summary of developments in the legislative framework and best practice relevant to the area of adult protection work. It explains legislation that can be used in adult protection work, covering criminal and civil law, and crucial national guidance such as Achieving Best Evidence. Issues covered include confidentiality and information-sharing in adult protection work, capacity issues, police investigations, financial abuse, advocacy, witness support and honour-based violence.

259p lyly_5 22-03-2013 34 6   Download

The development of MiFID will strengthen ESMA’s role in product intervention. The proposals seek to strengthen investor protection through an even stronger framework for the provision of investment services to retail clients and possibly a more proactive approach from NCAs.

35p dangsuynghi 15-03-2013 62 7   Download

In view of the new challenges raised by recent trends on ETF markets, ETF providers and investors should review the risk management strategies of ETFs, especially in areas such as counterparty risk and collateral management, as well as assessing their exposure to market and funding liquidity risks. Furthermore, ETF providers should consider enhancing the level of transparency they offer to investors on the entire range of ETF products, especially the more complex ones.

8p doipassword 01-02-2013 43 2   Download

The Committee evaluated the impact of its regulatory regimes on trade finance for low income countries. For those countries, confirmed letters of credit are of specific importance. Confirmed letters of credit provide exporters with additional protection against any losses incurred from importers’ and issuing banks’ failure to meet their obligations of payments.

8p doipassword 01-02-2013 45 5   Download

Prior to the current financial crisis, a number of federal and state regulations were in place to protect consumers against fraud and to promote understanding of financial products like credit cards and mortgages. But as abusive practices spread, particularly in the market for subprime and nontraditional mortgages, our regulatory framework proved inadequate in important ways. Multiple agencies have authority over consumer protection in financial products, but for historical reasons, the supervisory framework for enforcing those regulations had significant gaps and weaknesses.

40p mebachano 01-02-2013 52 3   Download

A key consideration for policymakers, then, is whether the trade-off between efficiency and financial stability argues for policies that reflect a preference for certain cross-border banking structures. This paper examines the relative advantages and disadvantages of different organizational structures for cross-border banking groups both from the point of view of the financial groups and of the home/host authorities.

16p machuavo 19-01-2013 51 3   Download

Despite their significant role in availing financial services to underprivileged groups and communities, the involvement of savings banks in the microfinance’s arena is often overlooked as many are still restricted from lending and offering microcredit schemes. However, these restrictions are progressively lifted, fully or partially, allowing a few to expand the scope of their operations.

15p machuavo 19-01-2013 53 6   Download

To plan and conduct their attack, the 9/11 plotters spent somewhere between $400,000 and $500,000, the vast majority of which was provided by al Qaeda. Although the origin of the funds remains unknown, extensive investigation has revealed quite a bit about the financial transactions that supported the 9/11 plot. The hijackers and their financial facilitators used the anonymity provided by the huge international and domestic financial system to move and store their money through a series of unremarkable transactions.

13p machuavo 19-01-2013 36 1   Download

For more than two decades, Bank of America has aspired to environmental leadership in the financial services sector. In 2007, we announced a 10-year, $20 billion business initiative to address climate change through our lending, investing, products and services, and our own operations. This initiative is far more than doing good for its own sake — it has proven to be a long-term, compelling business opportunity for our clients, our company and our shareholders.

0p machuavo 19-01-2013 67 6   Download

Laws designed to prevent usury, or the taking of "excessive" interest, have long been the subject of controversy. While advocates of usury ceilings claim that such controls protect consumers from abusive lending practices and enable them to obtain loans at reasonable rates, their critics argue that they work to consumers' disadvantage by restricting credit flows and distorting financial markets. In economic theory, the credit market is viewed like any other market. There are buyers (borrowers) and sellers (lenders) of credit; the price of credit is the interest rate.

16p taisaocothedung 09-01-2013 79 3   Download

Living arrangements, particularly overcrowded conditions and a lack of privacy, have been associated with conflict within families. Although abuse can occur when the abuser and the older person suffering abuse live apart, the older person is more at risk when living with the caregiver. The early theories on the subject also sought to associate dependency with increased risk of abuse.

8p thankinhphanliet 01-01-2013 46 6   Download

It is generally agreed that abuse of older people is either an act of commission or of omission (in which case it is usually described as ‘‘neglect’’), and that it may be either intentional or unintentional. The abuse may be of a physical nature, it may be psychological (involving emotional or verbal aggression), or it may involve financial or other material maltreatment. Regardless of the type of abuse, it will certainly result in unnecessary suffering, injury or pain, the loss or violation of human rights, and a decreased quality of life for the older person (4).

9p thankinhphanliet 01-01-2013 58 2   Download

In recent years, senior citizens have increasingly become targets of financial abuse and fraud. Approximately 5 million senior citizens become victims of financial abuse and fraud each year. This trend is related to the high amount of wealth held by older investors as nearly one-third of all U.S. investors are between 50 and 64 years of age. It is particularly devastating when older investors are defrauded because they are generally beyond or near the end of their earning years and as a result, have little or no ability to rebuild their retirement funds.

9p quaivattim 04-12-2012 72 2   Download

All industrial, commercial and financial combinations are governed by chance: speculation thus involves some level of risk. The reward from the transaction is therefore two-fold: for the newly created utility there is the reward for a service and a speculative gain for the risk assumed. This second part, the jobbery, is the object of abuse: sought for its own sake, irrespective of any service supplied, this remuneration of risk can be classified as a game or even as a fraud. Speculation is thus the art of becoming rich “without working, capital, trade or genius.

20p quaivattim 04-12-2012 45 0   Download