North East Multi-Regional Training Instructors Library
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An Industry Haunted by Its Own History | 1
An Industry Haunted by Its Own History | 1 An Industry Haunted by Its Own History By Kerry Pechter Thu, Nov 1, 2018 The ghost of demutualization haunts much of the annuity industry today. But that topic was not on the agenda of the annual LIMRA conference in New York earlier this week (Photo: Former FBI director James Comey, the keynote speaker at the conference). Bob Kerzner, in his final address to the LIMRA membership after 14 popular years as their CEO, posed a perennial question: why hasn’t the life insurance industry capitalized on the Boomer retirement opportunity to the degree that it hoped, expected and, in its mind, deserved to? A complete answer to that question (which may stem in part from a post-demutualization misalignment of interests with the public) will fill a book someday (see note at end of story). Bob Kerzner Kerzner spoke at the annual LIMRA conference, which was held this year at the Marriott Marquis Hotel in New York. As the polyglot mass of tourists posed for snaps with the “Naked Cowboy” et al in Times Square below, a thousand or so dark-suited executives gathered soberly in the hotel ballrooms above. The conference was ornamented by the appearances of a celebrity guest speaker, former FBI director James Comey, and an inspirational TED talker, Simon Sinek (pronounced “cynic”). Both spoke of one’s duty to callings higher than achieving sales goals; both were also promoting new books. The most productive breakout session at the conference, for annuity issuers at least, may An Industry Haunted by Its Own History | 2 have been a discussion about potential synergies between various annuity industry stakeholders. -
Generation of Semantic Layouts for Interactive Multidimensional Data Visualization
Generation of Semantic Layouts for Interactive Multidimensional Data Visualization Erick Gomez-Nieto∗y and Luis Gustavo Nonatoy ∗Research and Innovation Center in Computer Science Universidad Católica San Pablo, Arequipa, Peru yInstituto de Ciências Matemáticas e de Computação Universidade de São Paulo São Carlos-SP, Brazil Abstract—Visualization methods make use of interactive are easily readable, but they pay the price of scalability. graphical representations embedded on a display area in order Hierarchical methods such as Treemaps mitigate the issue to enable data exploration and analysis. These typically rely of scalability while making an efficient use of display area. on geometric primitives for representing data or building more sophisticated representations to assist the visual analysis process. However, readability and semantic organization of data are One of the most challenging tasks in this context is to determinate aspects not so easily handled by those methods. Overlap-free an optimal layout of these primitives which turns out to be semantic preserving techniques generate somewhat structured effective and informative. Existing algorithms for building layouts layouts and keep instances with similar content close to each from geometric primitives are typically designed to cope with other. Nevertheless, they are not designed to make an efficient requirements such as orthogonal alignment, overlap removal, optimal area usage, hierarchical organization, dynamic update use of display area and also suffer from scalability. among others. However, most techniques are able to tackle just Handling many requirements is not straightforward because a few of those requirements simultaneously, impairing their distinct requirements can compete with each other during use and flexibility. In this dissertation, we propose a set of layout construction. -
Scamming Grandma: Financial Fraud and the Impact on Households Samantha Nielsen
The Institute for Behavioral and Household Finance White Paper Series Scamming Grandma: Financial Fraud and the Impact on Households Samantha Nielsen Cornell University © 2019 All rights reserved. White Paper No. 7-2019 May 2019 The Institute for Behavioral and Household Finance Cornell University ꞏ The Charles H. Dyson School of Applied Economics and Management ꞏ Warren Hall, Ithaca, NY 14853 ꞏ E-mail: [email protected] ꞏ http://ibhf.cornell.edu Institute of Behavioral and Household Finance – White Paper Series White Paper: 07-2019 Overview more by scammers, are more educated on where to file a complaint, are more interested in Many Americans have experienced or know of a combatting fraud, or a combination of these or person who has fallen victim to a financial scam, other factors. and as social media platforms, online databases, and internet services expand, reports of these Figure 1: Historical Household Financial Fraud Reports scams become more widespread. While word-of- 1,800,000 mouth stories and news vehicles raise awareness, 1,600,000 there is limited existing research analyzing the 1,400,000 financial impact of these scams on households. 1,200,000 1,000,000 Figure 1 illustrates the total number of annual 800,000 600,000 fraud reports in the United States. From 2007 to 400,000 2016, an increase of 157% was seen in the 200,000 number of reported financial scams. More 0 recently, in 2018, there were 1,427,563 fraud reports, which is up 25% from 2017. The amount Source: Consumer Sentinel Network, 2007-2016 of 2018 reports with a monetary loss increased 48% to 358,755 from the year prior, and the Figure 2: Fraud Reports by Age Group median monetary loss for all fraud reports was down $375 in 2018, 13% less than the year prior.1 140,000 120,000 100,000 When we look at fraud reports by age group, a 80,000 significant increase in frauds reported by older 60,000 40,000 age cohorts is identified. -
Cellular Phone Cloning
Cellular Telephone Cloning Final Report Economic Crimes Policy Team United States Sentencing Commission January 25, 2000 Paula Biderman Anne Blanchard Tom Brown Paula Desio Jean Gabriel Greg Gilmore Christine Kitchens Linda Maxfield Rachel Pierce Mary Rushen Courtney Semisch Andy Purdy, Chair Executive Summary The Economic Crimes Policy Team was chartered to advance the Commission’s work in several areas, including the development of options for implementing the directives contained in the Wireless Telephone Protection Act (Pub. L. No. 105-172; April 24, 1998). Specifically, this act amended 18 U.S.C. § 1029 (Fraud and related activity in connection with access devices) with regard to the cloning of cellular telephones. The report details the background, analysis, findings and policy options identified by the team. Wireless Telephone Protection Act Because of increasing financial losses to the telecommunications industry and the growing use of cloned phones in connection with other criminal activity, Congress passed the Wireless Telephone Protection Act (WTPA) in April 1998. The legislative history indicates that, in amending 18 U.S.C. § 1029, Congress was attempting to address two primary concerns presented by law enforcement and the wireless telecommunications industry.1 First, law enforcement officials testified at congressional hearings that they were having difficulty proving the “intent to defraud” element of the pre-amendment provision regarding some equipment used to clone phones.2 Although there is no legitimate reason to possess the equipment unless an individual is employed in the telecommunications industry, the prosecution often could not prove that the equipment was possessed with the intent to defraud. Second, law enforcement officials often discovered cloning equipment and cloned cellular telephones in the course of investigating other criminal activities, such as drug trafficking and other fraud. -
of National Drug C~Rn;Trol Nlicy Tire Office of the President Nber 2004
If you have issues viewing or accessing this file, please contact us at NCJRS.gov. ] ................... o i ~ ~ ; : • ;~ . .......... i :~ :- ;:: 2. ' . ") , k : of National Drug C~rn;trol Nlicy tire Office of the President nber 2004 -~ ~" ._U~ > 7.5 The National High Intensity Drug Trafficking Area Program Annual Report 2004 EXECUTIVE OFFICE OF THE PRESIDENT OFFICE OF NATIONAL DRUG CONTROL POLICY Washington, D.C. 20503 December 13, 2004 Greetings: It is my pleasure to welcome those gathered for the seventh annual High Intensity Drug Trafficking Area (HIDTA) Conference in Washington, D.C. This past year, the HIDTA program continued to bring federal, state and local law enforcement together to make a measurable difference in disrupting the market for illegal drugs. Investigations into high level traffickers and seizures that disrupt drug trafficking organizations remain the hallmark of the program. A precondition of the HIDTA program being effective is the ability to get federal, state and local law enforcement to work together in a coordinated fashion. This in turn enhances the security of our country from threats both foreign and domestic, and serves as a model for other agencies. Tile coming year will see the introduction of the Performance Management Program (PMP), which will allow each of you to better measure the efficiency of your respective efforts. Also, we will have in place a financial database system to better facilitate the use of resources allocated to each HIDTA. As we gather to honor the achievements of individuals, groups and HIDTAs, I thank you for your fine work and wish you the best in the year ahead as we work together to disrupt the market for illegal drugs in our great Nation. -
Download the List of History Films and Videos (PDF)
Video List in Alphabetical Order Department of History # Title of Video Description Producer/Dir Year 532 1984 Who controls the past controls the future Istanb ul Int. 1984 Film 540 12 Years a Slave In 1841, Northup an accomplished, free citizen of New Dolby 2013 York, is kidnapped and sold into slavery. Stripped of his identity and deprived of dignity, Northup is ultimately purchased by ruthless plantation owner Edwin Epps and must find the strength to survive. Approx. 134 mins., color. 460 4 Months, 3 Weeks and Two college roommates have 24 hours to make the IFC Films 2 Days 235 500 Nations Story of America’s original inhabitants; filmed at actual TIG 2004 locations from jungles of Central American to the Productions Canadian Artic. Color; 372 mins. 166 Abraham Lincoln (2 This intimate portrait of Lincoln, using authentic stills of Simitar 1994 tapes) the time, will help in understanding the complexities of our Entertainment 16th President of the United States. (94 min.) 402 Abe Lincoln in Illinois “Handsome, dignified, human and moving. WB 2009 (DVD) 430 Afghan Star This timely and moving film follows the dramatic stories Zeitgest video 2009 of your young finalists—two men and two very brave women—as they hazard everything to become the nation’s favorite performer. By observing the Afghani people’s relationship to their pop culture. Afghan Star is the perfect window into a country’s tenuous, ongoing struggle for modernity. What Americans consider frivolous entertainment is downright revolutionary in this embattled part of the world. Approx. 88 min. Color with English subtitles 369 Africa 4 DVDs This epic series presents Africa through the eyes of its National 2001 Episode 1 Episode people, conveying the diversity and beauty of the land and Geographic 5 the compelling personal stories of the people who shape Episode 2 Episode its future. -
ARKY 327.01: FRAUDS, MYTHS, and MYSTERIES ARCHAELOGY and POPULAR CULTURE Tuesdays and Thursdays 12:00 Pm – 14:45 Pm A142
ARKY 327.01: FRAUDS, MYTHS, AND MYSTERIES ARCHAELOGY AND POPULAR CULTURE Tuesdays and Thursdays 12:00 pm – 14:45 pm A142 Instructor: Alejandra Alonso-Olvera E-Mail: [email protected] Office Hours: By appointment Office Phone: (403) 270 3430 Office: Earth Science (Department of Archaeology) 740 Course Description This course evaluates the logical flaws in pseudoscientific explanations of archaeological topics, and examines popular and fantastic interpretations of archaeological remains presented in the press and popular media/culture. A series of topics in this class show how archaeology is presented as unsubstantiated, occult, and speculative science about our prehistoric past. On the other hand, subjects like pyramids, cave paintings, human evolution, Stonehenge, the Maya, aliens, and popular legends fascinate people and motivate them to visit museum, archaeological sites, and also to buy archaeology books, giving archaeology a prominent place in our society and making it accessible to the general public. Inaptly the press and popular media exploit people’s interest to twist discoveries made by scientific archaeology. This course provides perspective on unsubstantiated claims made about the human past. A critical view of the popular culture and archaeology would hone critical thinking and logical reasoning, which are at the core of natural and social sciences.Students will recognize the importance of understanding the context of controversies concerning the archaeological past, and how real archaeology change misconceptions, idealizations, and fantasies related to historical events through scientific methods. Find out what archaeology really is! Objectives of the Course The student of this course will have a good: 1. Understanding of legends, myths, and frauds around archaeological topics. -
Executive Intelligence Review, Volume 9, Number 15, April 20, 1982
EIR The special reports listed below, prepared by the EIR staff, are now available. 1. Prospects for Instability in the Arabian Gulf gence input, stemming from Qaddafi's training at A comprehensive review of the danger of instabil Sandhurst and his ties to the Senussi (Muslim) ity in Saudi Arabia in the coming period. Includes Brotherhood. Heavy emphasis is placed on con analysis of the Saudi military forces, and the in trol over Qaddafi exercised by elements of the fluence of left-wing forces, and pro-Khomeini net Italian "P-2" Masonic Lodge, which coordinates works in the counry. $250. capital flight, drug-running and terrorism in Italy. Also explored in depth are "Billygate," the role of Armand Hammer, and Qaddafi's ties to fugitive 2. Energy and Economy: Mexico in the Year 2000 85 $250. A development program for Mexico compiled financier Robert Vesco. pages. jOintly by Mexican and American scientists. Con cludes Mexico can grow at 12 percent annually for 6. What is the Tr ilateral Commission? the next decade, creating a $100 billion capital The most complete analysis of the background, goods export market for the United States. De origins, and goals of this much-talked-about tailed analysis of key economic sectors; ideal for organization. Demonstrates the role of the com planning and marketing purposes. $250. mission in the Carter administration's Global 2000 report on mass population reduction; in the P-2 scandal that collapsed the Italian government 3. Who Controls Environmentalism? this year; and in the Federal Reserve's high A history and detailed grid of the environmen interest-rate policy. -
Economics & Politics
www.theBHCA.org — Summer 2016 BankThe magazine of the Bank OwnerHolding Company Association Economics & Politics Spring Seminar themes inspire discussion about future INSIDE: Spring Seminar coverage - L..... - S.... - F...... A glimpse into membership Fed Notes: Accurate filings key The following companies are Associate Members of the Bank Holding Company Association: Abdo, Eick & Meyers Dedicated Commercial HTG Architects Piper Jaffray Fixed Income Edina, Minn. Recovery, Inc. Eden Prairie, Minn. Minneapolis Brad Reich, partner Roseville, Minn. Jeff Pflipsen, partner Matthew R. Banks 952-835-9090 Shane Davis, president 952-278-8880 612-303-0606 612-351-3945 Allied Solutions LLC Insurance Strategies, Inc. Promontory St. Paul, Minn. Dougherty Funding, LLC Elm Grove, Wis. Interfinancial Network Greg Rueter, regional VP Minneapolis Deb Forsaith, president Des Moines, Iowa 651-366-6988 Jerry Tabolich, EVP/COO 800-236-6866 Steve Davis, regional director 612-317-2000 515-240-5451 Allison-Williams Company J.T. Miller Company, Inc. Minneapolis Eide Bailly, LLP Hamel, Minn. Reinhart Boerner Van Deuren S.C. Greg Larson, senior vice president Minneapolis Dirk J. Miller, president Milwaukee 612-333-3475 Don Johnson, CPA Partner 763-512-1950 James Sheriff 612-253-6500 attorney Anastasi Jellum, P.A. Leader One Financial 414-298-1000 Stillwater, Minn. Executive Minneapolis Nick Jellum, president Compensation Institute Dennis Eroman RSM 651-439-2951 Bloomington, Minn. 612-619-3971 Minneapolis Thomas Lynch, wealth coach Craig Murphy, Bank Financial Services Group 952-885-2727 Lindquist & Vennum, PLLP managing director Edina, Minn. Minneapolis 612-376-9295 Mark Blake, partner Equias Alliance Scott Coleman, attorney 800-931-7782 Prior Lake, Minn. -
Telemarketing Fraud Targeting Senior Citizens and What Law Enforcement Is Doing to Crack Down on These Schemes
S. HRG. 104-490 TELESCAMS EXPOSED: HOW TELE MARKETERS TARGET THE ELDERLY HEARING BEFORE THE SPECIAL COMMITTEE ON AGING UNITED STATES SENATE ONE HUNDRED FOURTH CONGRESS SECOND SESSION WASHINGTON, DC MARCH 6, 1996 Serial No. 104-10 Printed for the use of the Special Committee on Aging U.S. GOVERNMENT PRINTING OFFICE 23-236 CC WASHINGTON : 1996 For sale by the U.S. Government Printing Office Superintendent of Documents, Congressional Sales Office, Washington, DC 20402 ISBN 0-16-052833-X SPECIAL COMMITTEE ON AGING WILLIAM S. COHEN, Maine, Chairman LARRY PRESSLER, South Dakota DAVID PRYOR, Arkansas CHARLES E. GRASSLEY, Iowa JOHN GLENN, Ohio ALAN K. SIMPSON, Wyoming BILL BRADLEY, New Jersey JAMES M. JEFFORDS, Vermont J. BENNETT JOHNSTON, Louisiana LARRY CRAIG, Idaho JOHN B. BREAUX, Louisiana CONRAD BURNS, Montana HARRY REID, Nevada RICHARD SHELBY, Alabama HERB KOHL, Wisconsin RICK SANTORUM, Pennsylvania RUSSELL D. FEINGOLD, Wisconsin FRED THOMPSON, Tennessee CAROL MOSELEY-BRAUN, Illinois MARY BERRY GERWIN, Staff Director /Chief Counsel THERESA M. FORSTER, Minority Staff Director (II) CONTENTS Page Opening statement of Senator William S. Cohen 1 Statement of: Senator Harry Reid 7 Senator David Pryor 8 Senator Herb Kohl 11 Senator Charles E. Grassley 54 Prepared statement of: Senator Larry Craig 10 Senator Russ Feingold 10 PANEL I Edward Gould, Las Vegas, NV 11 PANEL II Mary Ann Downs, Raleigh, NC 27 Peder Anderson, Washington, DC 42 PANEL III Kathryn Landreth, United States Attorney, District of Nevada, Las Vegas, NV ;. 55 Jodie Bernstein, director of the Bureau of Consumer Protection, Federal Trade Commission, Washington, DC 62 Chuck Owens, Chief, White Collar Crime Section, Federal Bureau of Inves tigation, Washington, DC 84 PANEL IV Agnes Johnson, American Association of Retired Persons, Biddeford, ME 112 John Barker, director, National Fraud Information Center, Washington, DC . -
Today's Television
54 TV TUESDAY DECEMBER 29 2020 Start the day Zits Insanity Streak lHAD~UCflA UNFORTUNATE::!.'(, t;HE: with a laugh TIMr;;:AT!-UN OL-DME'1VUR ... OW NoTM1NG MUCM, How are dogs like cell JUST $OCllL 1>1STlNC1NG ,.. phones? 1>.NI> YoO? They both have collar id. wHaT kind of key can never unlock a door? A monkey. Snake Tales Swamp I OON'"r -.HIN< -rHl:S Today’s quiz IS GOING "l"O SE. .. 1. is a monteith a type of bowl, cape or curtain? 291220 2. The tangelo is a hybrid of which two fruits? f fq()J/ 3. What is a farthingale? T oday’S TeleViSion 4. Which country is the nine SeVen abc SbS Ten world’s second largest oil 6.00 Today. 6.00 Sunrise. 8.00 Pre-Game 6.00 Cook And The Chef. (R) 6.00 WorldWatch. 10.30 German 6.00 Left Off The Map. 6.30 producer? 9.00 Today Extra Show. 9.00 Cricket. Second Test. 6.25 Short Cuts To Glory. News. 11.00 Spanish News. 11.30 Everyday Gourmet. 7.00 Ent. Summer. (PG) Australia v India. Day 4. Morning (R) 7.00 News. 10.00 David Turkish News. 12.00 Arabic News Tonight. 7.30 Judge Judy. (PG) 11.30 Morning News. session. 11.00 The Lunch Break. Attenborough’s Tasmania. (R) F24. (France) 12.30 ABC America: 8.00 Bold. (PG) 8.30 Studio 5. What does the Latin 12.00 MOVIE: Miss Pettigrew 11.40 Cricket. Australia v India. 11.00 Gardening Australia. (R) World News Tonight. -
Advertising and Public Relations Law
Advertising and Public Relations Law Addressing a critical need, Advertising and Public Relations Law explores the issues and ideas that affect the regulation of advertising and public relations speech. Coverage includes the categorization of different kinds of speech afforded varying levels of First Amendment protection; court-created tests for laws and reg- ulations of speech; and non-content-based restrictions on speech and expression. Features of this edition include: • A discussion in each chapter of new-media implications • Extended excerpts from major court decisions • Appendices providing — a chart of the judicial system — a summary of the judicial process — an overview of alternative dispute resolution mechanisms — the professional codes for media industry and business associations, including the American Association of Advertising Agencies, the Public Relations Society of America and the Society of Professional Journalists • Online resources for instructors. The volume is developed for upper-level undergraduate and graduate students in media, advertising and public relations law or regulation courses. It also serves as an essential reference for advertising and public relations practitioners. Roy L. Moore is professor of journalism and dean of the College of Mass Communication at Middle Tennessee State University. He holds a Ph.D. in mass communication from the University of Wisconsin and a juris doctorate from the Georgia State University College of Law. Carmen Maye is a South Carolina-based lawyer and an instructor in the School of Journalism and Mass Communications at the University of South Carolina, where she teaches courses in media law and advertising. Her undergraduate degree is from the University of North Carolina at Chapel Hill.