Essays on Fargo

Wells Fargo is a $222 billion bank with diversified financial services that provides consumer finance services, mortgage, insurance, banking and investment services. It is the leading internet bank and has over 5300 stores globally (Han-Yuh 2007). Wells Fargo is a publicly traded corporation and was founded back in 1852 (DeYoung & Rice 2004). Based on the recently released Forbes report, Wells Fargo was ranked at position 26 in the world based on market value, assets, sales and profits. It is vital to note that this company prides in operating as the first national bank charter in the US and recently ...

Executive Summary

Ecosystem-based management (EBM) is a place-based way to utilization of natural resources with the aim of protecting and restoring the energy, flexibility and activity of the entire ecological environment to benefit its inhabitants. EBM is a great tool to preserve the environment in a better way that will not destroy the economy and humans. Movements of traditional environment have improved the ecosystem at the expense of economy, which has been viewed as a failure. People cannot continue repeating the same mistakes again. This is where EBM approach comes in where the ecosystem would be protected while at the same ...

Most of the services offered by a bank are largely financial in nature. However, the terms Assets and Liabilities have a different meaning when it comes to banks. For instance, assets in banking terminology would indicate fund usage, while liabilities in case of banks would, in fact, be a source of funds for banks. This essay will consider five different services or function that a bank offers and would explain with reasons if the said service is an asset or a liability, while also evaluating the services and providing an overall impression of the same. This essay considers the ...

One of the firms which have been recently involved in unethical business conduct is Wells Fargo and Company. Wells Fargo faced a civil lawsuit when it was found that it was engaging in unethical business practices. Wells Fargo was found to be mistreating its customers and employees unethically. Investigations by Mike Feuer, the city of Los Angeles attorney, found out that the current and the former employees were under tremendous pressure to increase their sales. In response to their employer’s pressure, employees resorted to unethical methods to increase sales. To meet their high sales targets, employees executed transactions ...

Ethics and Governance

The concepts of ethics and corporate governance are unceasingly becoming importance in the modern day organizations as they play a great role in addressing key issues. In that respect, the two concepts take varying approaches and their application varies among firms (Elms et al., 2010). Regarding the ethics issue, it relates to the norms and morality of a given community and what is right or wrong draws from those norms and morality values. In the modern world, the issues of ethics have been popularized given the increased cases of organizations that have been judged on the ethical basis (Cannon, ...

The items I found the most interesting while researching Transnational Corporation (TNC) website are the acquisition of other companies and corporate regulations. While researching Verizon Wireless there was an interesting article about how Verizon has acquired AOL (AOL). This was interesting because these two companies were competitors at one point for internet customers, but now Verizon is overtaking the market. The research into the Wells Fargo Corporate website had an interesting section about corporate regulations on the financial industry, because it seems that the increased regulations cause the company to be less profitable (Wells Fargo). When looking through the ...

Introduction

This paper outlines the web security required for a brand new Windows PC for home use with Windows 10 operating system. The PC connects to the internet using existing internet connection. It will also detail the essential security software that is needed for the keeping the computer secure, the password policy for the home computer, the steps that one has to take to ensure that the online banking process is secure. It will also outline the guidelines that one has to discuss with a 13-year old son regarding operating a Facebook account.

Securing the home Windows PC

Home computing carries the risk of theft ...

The items I found the most interesting while researching Transnational Corporation (TNC) website are the acquisition of other companies and corporate regulations. While researching Verizon Wireless there was an interesting article about how Verizon has acquired AOL (AOL). This was interesting because these two companies were competitors at one point for internet customers, but now Verizon is overtaking the market. The research into the Wells Fargo Corporate website had an interesting section about corporate regulations on the financial industry, because it seems that the increased regulations cause the company to be less profitable (Wells Fargo). When looking through the ...

D. Main Point Discussion: The American banking system was left in shambles by the 2007-2008 financial crisis; investment banks were mostly affected. One standalone investment bank that remained and survived that figurative carnage was JPMorgan. On October 2015, the financial company competed in Wall Street. JP Morgan competition in the hugely lucrative fell behind, which was ultimately disastrous, and business of selling mortgage securities. In the 1980’s analysts within JP Morgan identified key problems in bringing financial innovation to the mortgage market. This assisted the company to resurface after the financial crisis. The two institutions aimed at maximizing ...

Both Fargo and Mr. Robot have been discussed in the media spotlight as two television shows being ground-breaking, not only for their storytelling and scriptwriting, but due to the sophisticated cinematography and sound that they incorporate. These elements add a dramatic flair to the shows, which infuses them with meaningful depth. In order to emphasize the importance of these characteristics, the current paper explores the cinematography and sound design present in both Fargo and Mr. Robot. Considering the plot of the show, it is worth stating that the protagonist of it is a young technical engineer, responsible for cyber ...

Introduction

The market of mobile wallet transactions has abruptly emerged over the recent years and it appears to have been proving its value being able to bring advantages to banks, retail shops, and other merchants which make use of this payment method. Chief Executive Officers of prominent and recognized United States Banks reveal their interests in joining the market of mobile wallets because for them additional revenue and customers’ loyalty are at stake. In particular, this was publicly admitted by Richard Davis, head of U.S. Bank, during an online meeting with financial experts (PYMNTS.com, 2014). Moreover, retail shops claim they ...

Introduction

Psychological or emotional senses are keys to living life happily. These senses are what keep people sane through the trying times. As Mac Pherson (2011) stated, the huge influx of new information from the sciences . . . [challenge] some traditional philosophical views about the senses.”

Below are the senses a particular individual lives through to achieve complete fulfillment in his life.

Theory of Sensation and Perception Sensation and perception starts an eye opener for awareness (Grison, Heatherton & Gazzaniga, 2015). Sensation forms different ways people see, hear, touch and smell (Macpherson, 2011). Richard does his everyday tasks at work and life by feeling the situation. As a CEO of a New York multi-national company, he uses his previous ...

Introduction:

Unethical behavior in organization has become a common and important practice in order to enhance the revenue and achieve the targets and sale employees are more involved in this unethical practice as compare to other employees. In order to be competitive, it is essential to maintain good relation with customers and for this reasons banks have to follow the ethical behavior. Objective of this study is to enhance the understanding of business ethics through utilizing the theories. In order to gain the objective, paper has been divided into 4 major sections. In section one, the personally evident problem has ...

The genre of dark comedy is a fascinating subset of the standard comedy film, combining elements of drama and dark subject matter with comedic elements of the absurd and ironic to create unique works that poke fun not only at the foibles of mankind, but the inherent silliness of extremely serious things. Dark comedy can take many forms, and both American and English sensibilities in particular have their own attitudes and characteristics in their own examples. Two of the most well-regarded dark comedy films of recent years are 1996’s Fargo (directed by the Brothers Coen) and 2008’s ...

Individual Case Complete: Bank of America

Executive summary Mission and Vision Evaluation: The Company has maintained a plausible vision and mission statement that focuses on ensuring that it develops customer centric financial products and services that are innovatively based. Thus, through the company vision and mission statement, it has managed to ensure growth and market capture. Milestones: Among the most fundamental milestones, the organization has sustained a top position in the banking industry despite the prospect of financial crisis across US. The plausible performance has been as a result of effective policy statement that is centered on operational Excellency. With millions of customers across US, the ...

Introduction

Security is any effort taken to ensure protection of persons or property from harm or any form of destruction. The concept of security evolved as the society evolved over time. In the old ages, security was only an issue of personal safety, but as societies became more complex so did the introduction of property and ownership. Property has evolved be anything from digital property to money, valuables, corporations and intangible property. This complex ownership structures present new security concerns. While in early ages the society relied on unwritten behavior and rules to exert security, this has since changed to ...

Modernization of finance industry through the use of information technology (IT) is one of the important and most convenient developments in the insurance industry. However, with the risks attached to IT, the finance industry is currently facing the challenges of security breaches which affected the growth of some companies and the industry per se. This paper will discuss the IT issues confronting the industry, how it is likely to be resolved, and the future of the finance sector. Media organizations have reported various data breaches cases that affected the finance industry in the past few years. Martha C. ...

Wells Fargo & Co. is one of the largest mortgage lenders in the nation. The company plans to ease the rules on mortgages. One of the main rules that the company will adjust is to lower the credit score for mortgages that are eligible for government support. This is a clear indication that the standards related to mortgage-lending will ease. Franklin Codel asserts that the bank will purchase loans that have Federal Housing Administration backing with credit score of 600. The main aim of this adjustment is to increase the level of credit (Timiraos “Well Fargo Plans to ease Some Rules ...

Introduction

Getting an edgy and upper hand is essential for an organization as far as their core productivity and efficiency is concerned (Bagchi and Atluri, 2006). Those organizations which are able to compete with other organizations have to cover numerous aspects accordingly, and all of the aspects would be essential for their economic and strategic growth (Banchs, 2010). Data Warehousing has now emerged as important elements that lead to give financial and strategic effectiveness to an organization. Organizations which are striding in this ambit are using the Data Warehousing Techniques for their future effectiveness, and among those organizations which ...

Wells Fargo between 2004 and 2009

Introduction: Fair lending practices have been in question since 2004 within what has been known as the housing crisis in the United States. Fair lending refers to any persons with qualified credit standings receiving the same mortgage loan rate percentage of interest to be repaid as the next person. Unfortunately, large loan companies such as Wells Fargo have been accused of inequality in their lending practices in that a person of white, non-Hispanic origin is being offered a better mortgage interest rate and/or paying less in fees than someone of Latino or African-American descent. The fact that this sort of ...

Portfolio Management

Introduction The objective of this report is to understand the performance of various stocks ranging from different industry over a period of three weeks. The companies selected by us include: - Apple Inc. - Ebay Inc. - Delta Airlines - Coca-Cola Company - Bank of America - Wells Fargo - Banco Santander - JP Morgan - Progressive Corp - Pepsi - Mcdonald - AT&T The companies were selected as each one represented their industry significantly while the banking stocks were selected primarily because of recent growth ...

Summary of the Recommendations

Investment from every angle is made to provide economic effectiveness for the individuals as well as organizations. However, it is more than essential for the individuals to select the best alternatives for their investment purpose. The core perspective of every investment is to bring future economic benefits for the investors, and it should be done accordingly. In this assignment, it is more than like an advice for Miss. Kim and Mr. Rich about the investment opportunities, and what would be benefits and issues by investing in this manner. Kim and Rich were more towards the investment in the Real ...

The world is but a canvas to our imagination. The name of the platform will be “Invest in Idea”. I choose this name because it explains a certain part of the information that you will earn on the website. It consists of two words like “invest” and “idea”, which means that you are going to invest a certain amount of money to realize or make people’s ideas (projects) possible. My platform offer users to have the opportunity to open a business from a start. Audition will have a chance to share their new ideas and project to the world and make sponsors be ...

Description of My Work

I was once employed by Wells Fargo and used to work as personal banker, I worked as a banker for approximately 14 years. Being a personal banker comes along with many responsibilities, despite the fact that personal bankers may have differing roles depending on the person or otherwise the company in which they work for, some general responsibilities due exist. In Wells Fargo, the company in which I worked for, my major responsibility was to offer customers expert advice on financial matters, building and maintaining lifelong customer loyalty, having a profound understanding of the customers’ financial needs and being there to advise ...

Overview of the Problem

Wells Fargo is the sixth company that consumers voted as having the worst customer service in 2012 (Aho, 2012), with 18% of the surveyed customers rating the bank’s services as poor or fair (Aho, 2012). Established in 1929, Wells Fargo is a diversified financial services company with three operating segments, namely Community Banking, Brokerage and Retirement, and Wholesale Banking and Wealth (Reuters, n.d.). It provides corporate, commercial, and retail banking services through banking stores and offices, businesses and institutions, the Internet, and other distribution channels. In addition, the bank provides other types of financial services through subsidiaries that ...

Executive summary

The ubiquitous computers use as well as other electronic devises is essentially creating a swiftly rising wave of firsthand as well as stored digital information. Roughly, 90 percent of the corporate information presently is in digital form. Corporations produce nearly 17.5 trillion documents that are in electronic form in every year. The additional types of electronic data come from online banking, internet-based electronic data, and stock trading among others. The information risks that are related with these data are numerous due to the rapid increase in online crimes and especially computer and credit card crimes. The methods of collecting ...

Fargo is a film in which a unique attitude of the residents in the Midwest has been portrayed, who are typically not faced with violent crimes. The concept of the film is based on the investigation of a small police department into three violent murders in rural Minnesota. The characters depicted in the film comport themselves with an apathetic and careless attitudes towards the events that take place in the film. The plot of the film seems to revolve around the antagonist, Jerry Lundegaard's greed and its consequences. Not only does the plot of the film try to explain the point ...

The Wells Fargo bank is an American financial institutions and it offers its services across the universe. The bank is rated the fourth biggest in the United States in terms of assets and is considered the largest bank in a capitalization aspect. It offers services of home mortgage, debit cards and bank deposits and it’s rated the 2nd largest in this perspective. The bank has its headquarters at San Francisco in California. In the countries where the bank offers its services, it has also major hub-quarters that are t6he centers to control its operations in the country. In the ...

Management

Introduction Banking sector play a pivotal role in facilitating economic, social and political development worldwide. Most of the developing and developed nations invest in the banking industry so that to attract local and foreign investors. This goal is achieved through formulation and enactment of effective monetary and fiscal policies that regulate velocity of money, borrowing of credit facilities and interest rates; an idea that create a conducive environment for investment. The banking industry is one of the key industries that contribute in economic development, in the United States. The industry contributes more than fifty-six percent of Gross Domestic Product ( ...

Wage and hour laws are enforced by the wage and hour division which is entrusted on ensuring that the nation’s labor laws are well enacted. These labor laws consist of the overtime wages, minimum wages for workers, provisions of child labor and the provisions concerning hours that workers are supposed to work in a week. United States came up with Fair Labor Standards Act to ensure that all united state’s workers complied with hour and minimum wage standards. Fair Labor Standards Act (FLSA) was enacted in 1938 as a measure for the standards for the overtime pay and the ...

Synoptic Overview

The following is a brief synopsis of the main ideas presented by Jones, Reutzel and Fargo (2010) in their scholarly treatise on the efficacy of two different methods of writing instruction on the reading skills of kindergarten students. The two methods explored are interactive writing and writing workshops. The former entails a teacher engaging his or her students in a collaborative writing assignment. For instance, a teacher can arbitrarily choose a topic for his or her students and then encourage them to each come up with their ideas of how best to represent the topic through writing. In essence, this topic can be on a ...

Introduction

The issue about communication is essential for any system in organization running. The coordination between source of information and the targeted destination of the information and the channels of dispatching the information presents the management organ various range of challenges. The focus of this paper is to create a comparative analysis of various methods of communication as one of the major edges that chase capitalises on in ruling the market. The paper begins by defining different communication methods of communication used at different levels within the industry. This is followed by descriptive comparison of the resulting consequences and their implications.

Definitions and theoretical issues

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