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Identity Cards, 2004.
A look at the problems associated with issuing identity cards.
1,122 words (approx. 4.5 pages), 4 sources, APA, AU$ 56.95
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Abstract
This paper points out the numerous opportunities for fraud that would be created if the U.S. government were to mandate the use of identity cards. The paper explains that, while the idea of issuing identity cards came about as a response to the events of 9/11, the ease and ability of creating false identity cards, as evidenced by the number of 9/11 hijackers who held false passports, could actually work against the purpose of identity cards, which is to help keep out potential terrorists.
From the Paper
"Since the attacks by al-Qaeda on the United States on September 11, 2001, both citizens of and officials of our government have considered what we can do to reduce the chance that al-Qaeda could launch another successful attack. We now see long lines at airports as luggage and carry-ons are more thoroughly checked, and travelers are required to show identification multiple times before boarding planes and other public transportation systems (La Londe, 2002). However, because each state sets its own standards for issuance of major methods of identification such as driver?s licenses, some have argued that the United States should issue federally controlled identity cards. In this way we could standardize the documentation required, and have more confidence that they were accurate indications of who the person is."
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Identity Cards, 2004.
Argues that the proposed system of national identity cards in the United States is not infallible.
800 words (approx. 3.2 pages), 3 sources, APA, AU$ 41.95
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Abstract
Since the attacks on the United States on September 11, 2001, government officials have considered what can be done to reduce the chance of another successful attack, with some proposing to issue federally controlled identity cards. This paper argues, however, that even our most tightly-controlled document, the passport, isn?t free from use in false identification. While protecting our country from further terrorist attacks is of crucial concern, given our track record, it does not seem likely that our federal government can create an incorruptible system of identification. The paper argues that, for this reason, national identity cards could actually increase our risk of attack, since the terrorists would probably obtain such identity cards as well.
From the Paper
"The argument in favor of national identity cards is of course that we would create systems that circumvent false information being used to obtain them, and that because the need is so great, the necessity is just as great. The critics point to the same evidence, that the hijackers obtained the identification they used to board the planes because of weaknesses in our documentation systems."
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Identity Theft, 2005.
This paper discusses that identity theft is increasing in magnitude and has become a serious threat for a large portion of the population.
2,535 words (approx. 10.1 pages), 5 sources, MLA, AU$ 111.95
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Abstract
This paper explains that what makes identity theft such a concern for the public is not simply the number of people it happens to but the fact that it can occur without the victim's knowledge. The author points out that the primary difference between identity theft perpetrated over the internet and identity theft perpetrated in other ways is the speed by which personal information can be obtained and the distance it can travel. The paper relates that the essential preventative steps are fairly simple and require very little effort, but most people still fail to adhere to all of them; (1) Review your credit reports at least every six months, (2) shred all of your personal papers, receipts, old utility bills and pre-approved credit card offers before you toss them in the trash, (3) keep your social security card and birth certificate in a safe place other than your wallet or purse and (4) have your name removed from mailing lists for pre-approved credit card offers.
Table of Contents
Introduction
Identity Theft on the Internet
Identity Theft: Managing the Risk Management
What's New for the Future of Identity Theft Prevention
From the Paper
"Insurance companies have an obligation to provide you with the greatest protection imaginable from identity theft. "Insurance agents should warn affluent customers of their heightened risk. . . . Public figures should also be concerned about this risk because much of their private information may be publicly circulated." (McElwee 76). Children-particularly those of college age-can present an additional risk of identity theft. College students regularly receive credit card applications and often simply throw them out, posing a threat to both themselves and their parents. Households should invest in paper shredders, and shred all unwanted mail and documents that could potentially contain personal information."
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Identity Theft, 2008.
This paper discusses the management of the risk of identity theft, both online and offline.
1,140 words (approx. 4.6 pages), 3 sources, MLA, AU$ 57.95
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Abstract
In this article, the writer notes that according to the Federal Bureau of Investigation (FBI), identity theft is the fastest growing form of white collar crime, costing American consumers and businesses approximately $50 billion in the United States in 2006. The writer discusses that the ever-increasing use of the Internet presents more targets of opportunity, particularly among new computer users unfamiliar with high tech information theft scams. However, the common perception that on-line activity is the greatest threat to personal information security is inaccurate; actually, more identity theft results from traditional off-line consumer transactions, especially those whose procedures typically involve relinquishing physical possession of a credit card to an employee who leaves the presence of the card's owner, such as in restaurants. The writer maintains that the most important method of protecting one's personal information on-line is through the use of passwords. Passwords should never be based on personal information like birth dates, because these are easily deduced by identity thieves with access to that information, which many people divulge in on-line personal profiles. The writer concludes that likewise, one's wireless connection should have all security features enabled and all software updates, especially anti-virus software.
Outline:
Introduction - Understanding the Problem
Protecting Private Information Off-line
Protecting Private Information On-line
General ID Information Safety
From the Paper
"One of the easiest sources of other people's private information is household trash. Therefore, it is essential to use a cross-cut paper shredder to destroy any papers containing personal information such as financial accounts, credit card statements, credit card applications and loan offers, and medical records, which often include Social Security numbers within patient billing information.
"With your Social Security number, identity thieves can obtain drivers licenses in your name, as well as open bank accounts and lines of financial credit which they can exhaust, leaving you the debtor of record. In many instances, thieves may submit fraudulent change-of-address forms at the post office enabling them to redirect your mail to an alternate address. Therefore, any apparent disruption, reduction, or delay in mail should be reported to the local post office for confirmation of your address on record and any recent change requests."
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Identity Theft, 2004.
This paper describes a new crime in American and the world, ?identity theft?.
1,000 words (approx. 4.0 pages), 5 sources, APA, AU$ 51.95
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Abstract
This paper discusses two main types of identity theft: account takeovers, when thieves steal existing accounts such as credit cards and use them; and ?true name? fraud, stealing the entire identity, which is more dangerous because thieves may get replacement driver?s licenses, start new accounts, get mortgages, jobs, and entire lives based around this stolen credit. The author points out that identity theft is very problematic and troubling for the victim because it can take months or even years for the victim to realize that something is wrong, and by that time, it may be too late to do anything about it. The paper urges persons to protect their private information and stay actively involved with their credit reports and bank accounts so that they have the earliest possible warning of the crime.
From the Paper
"?Identity theft is one of the fastest-growing crimes in America.? Every year over 900,000 people have their identity?s stolen. The FTC, a leading law enforcement agency that deals with identity theft, estimates that on just one of the many national hotlines there will be about 200,000 calls a year. Between 1992 and 1997 inquires regarding identity theft put into the TransUnion Credit Bureau Fraud Victim Assistant Department was multiplied almost 15 times over as it went from 35,000 complaints to 523,000."
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Identity Theft, 2005.
This paper discusses identity theft, the use of one person's personal information by another person to commit fraud or other crimes.
2,150 words (approx. 8.6 pages), 6 sources, MLA, AU$ 98.95
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Abstract
This paper explains that there are various types of identity theft (1) Using fraudulently obtained personal information of another person, such as a social security number, driver's license number and date of birth, to open a falsified bank, credit card or cellular telephone or to obtain false loans; (2) giving another person's personal information to a law enforcement officer when the criminal is arrested and (3) selling stolen identities. The author points out that, in addition to the financial losses, the person whose personal information has been used will have an erroneous credit or criminal history, which is often expensive and time-consuming to correct. The paper relates that the increasing use of computer technology and credit cards will continue to make identify theft much easier, thereby, requiring individual to better protect their personal data. Long quotations.
From the Paper
"Part of the problem lies with the consumers themselves. They often are careless about keeping receipts, or not destroying copies of their credit card statements, which means that someone is likely to find numbers, even social security numbers in the trash and then use them. According to the Identity Theft Resource Center, 85% of identity theft victims find out about the crime committed to them due to an adverse situation, such as being denied employment or credit, notification by police or collection agencies and receipt of credit cards or bills never ordered. In other words, 85% of consumers only find out about Identity Theft after it is too late."
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Smart Cards, 1996.
Presents pros & cons of growing popularity & use of 'smart cards,' point of sale debit/credit cards with microchip technology.
2,925 words (approx. 11.7 pages), 10 sources, AU$ 150.95
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From the Paper
"On the surface, the smart card is a means of gathering up loose change and loose economic threads, and moving toward a cashless society. In the real world, almost everyone carries paper money, coins, credit cards, checks, and the occasional debit card. These are the currently accepted financial instruments used in everyday transactions of money and credit. One or all of these instruments are accepted by whomever we choose to do business with. As the year 2000 draws near, the likelihood exists that stored value cards, often known as smart cards, will all but eclipse the use of small bills and coins (Morrall, 1995)."
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Students and Credit Cards, 2007.
This paper presents a market research survey of students' attitudes towards credit cards.
4,078 words (approx. 16.3 pages), 4 sources, MLA, AU$ 159.95
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Abstract
The paper ascertains the attitudes of students relative to credit cards, examining their attitudes towards their perceived convenience, risk and the extra cost of potential transactions. The analysis includes both the students' and their families' income, the frequency of parents' fights over money and credit cards, specifically, and the number of credit cards carried. The paper discusses the conclusions from this research, that shows the marketing of credit cards for college students, both to their parents and to the students themselves, is extremely effective. The paper explains that credit card companies are successfully imparting the messages of control, ego gratification and the rationalization of emergencies.
Outline:
Executive Summary
Research Issue
Methodology
Analysis of Results
Conclusions/Recommendations
Limitations
Appendices
From the Paper
"Fifty students were given the printed questionnaire and assured complete anonymity and privacy, and also were left alone in classrooms after sessions were over to complete the survey. A $3 Starbucks Card was offered to the first ten students to complete the survey, so that motivation to quickly finish the research instrument would be assured. Graduate-level students were asked to complete the survey during an evening course break. "The sampling focused primarily on business students, with an even mix of women and men in the samples to rule out gender bias in the analysis of the results, a research design advocated by Hair, J.F., Anderson, R.E., Tatham, R.L., & Black, W.C. (1995) in their book."
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Video Cards, 2007.
This paper discusses the evolution and future of computer video cards.
1,470 words (approx. 5.9 pages), 6 sources, MLA, AU$ 70.95
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Abstract
The paper explains that a video card (also referred to as a graphics card) is an essential part of computer hardware. The paper relates that without these cards, monitors would not display the pixels in a format the human eye could understand. The paper discusses the evolution of the graphics card from simple chips that displayed nothing more than text, to the graphic wonders that can create any detail today. The paper predicts that they will continue to add vivid color, striking details and complex capabilities for computer users far into the future.
Outline:
Abstract
Evolution of the Graphics Card
Future of the Graphics Card
From the Paper
"Graphics cards are essential to the computing we know today. From PDAs to laptops, the graphics card allows the user to play games, create graphics and complex mapping, and even view the world one pixel at a time through programs such as GoogleEarth. Graphics cards have evolved from simple MDAs that only displayed text to complex cards that can render ever more complicated and detailed graphic images. In the future, computer users can expect graphics that are even more detailed, faster memory and interfaces that reduce rendering time, and even better 3D graphics that will allow them to become "part" of the screen."
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ERG Smart Cards, 2005.
This paper evaluates ERG Smart Cards and describes the technology involved.
900 words (approx. 3.6 pages), 1 source, AU$ 51.95
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Abstract
The paper offers a case study of ERG Smart Cards, a company offering the means for widespread use of smart cards. The paper explains that this is a system allowing for monetary value to be loaded onto "smart cards" with embedded microprocessors for recording transactions and calculating changes in value. The paper relates that this sort of technology has been in development for a decade or so and has been pursued by a number of companies, some in association with ERG, some acquired by ERG, and some concentrating on different aspects of the market than ERG.
From the Paper
"ERG Smart Cards is a company offering the means for widespread use of smart cards, a system allowing for monetary value loaded onto "smart cards" with embedded microprocessors for recording transactions and calculating changes in value. This sort of technology has been in development for a decade or so and has been pursued by a number of companies, some in association with ERG, some acquired by ERG and some concentrating on different aspects of the market than ERG. ERG today is in a strong position for the future but is also faced with a reduced stock price because of problems with its association with Motorola, once a linchpin for the company and now a drain on the stock price. CEO Fogarty has to determine whether to continue to pursue the company strategy of concentrating on large-scale projects or chase smaller tenders."
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Credit Cards, 2007.
This paper looks at the lingering effects of the easy availability of credit cards.
1,057 words (approx. 4.2 pages), 5 sources, MLA, AU$ 54.95
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Abstract
In the first part of this paper, the writer discusses the rise in credit card use and looks at the reasons behind this increase. The writer then examines how the availability of easy credit caused a fundamental shift in American tastes. The writer also evaluates how these trends could affect a consumer's purchasing power, the credit industry, and even the national economy. The writer concludes that a combination of consumerism, economic need and the easy availability of credit have contributed to the revolving debt figures in the US. Further, the writer argues that as more people become knowledgeable about credit and are turning to debit cards and cash, creditors will have to devise new ways to encourage credit spending.
Outline:
Credit History
Credit Aftermath
Economic Effects
Works Cited
From the Paper
"Previous research has suggested that only a small amount of credit-card holding households were responsible for the vast majority of credit card debt. Others have shown that as credit cards became more common forms of payment, average balances increased across the board. The fact that credit cards became more readily available in the early 1990s partly accounts for this phenomenon, and tends to support the latter conclusions. It is far more likely that all people are using credit cards more, rather than merely a fraction of American households."
"Bernthal et al attributes this increase in revolving debt to intense competition among lenders. There was therefore a strong incentive for lenders to extend loans to riskier households. In the 1980s, credit cards were seen as a status symbol, only acquired by those who had disposable income. By 1995, however, the average credit card holder had lower income and was more likely to be single. The average credit card holder was also more likely to rent rather than own their home, worked in a blue collar profession and often carried higher credit card balances."
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"Raftsmen Playing Cards", 2004.
Description and analysis of George Caleb Bingham's painting, "Raftsmen Playing Cards".
1,471 words (approx. 5.9 pages), 1 source, MLA, AU$ 70.95
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Abstract
This paper introduces, discusses, and analyzes the artwork, "Raftsmen Playing Cards" by George Caleb Bingham. Specifically, it discusses the historical context and aesthetic effect of the piece and looks at why the work is so appealing.
From the Paper
"This art is clearly American Realism at its best. The minute detail of the figures and the raft, the attention to the riverbank and the misty mountains in the distance, Bingham executes all these details with deftness and a real concern for realism. He has even spent the time to recreate distinct personalities for his river men, which are quite apparent with a close viewing of the painting. There is a dreamlike quality to the surroundings, but the main subjects stand out in stark relief. It is clear they are the main focus of this painting, but they also reveal Bingham's realistic style that followed him throughout his lifetime. At a time when there were no commonly available photographs, Bingham captured scenes as if they were shot with a camera, so that people all over the world could see what life was like on the American frontier. His style is consistent with other realists of the time, who strove to capture scenes as they really were, and depict people as they really looked."
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Identity Fraud, 2003.
Defines the term.
3,375 words (approx. 13.5 pages), 10 sources, AU$ 174.95
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Abstract
Discusses the background and prevalence of identity theft or fraud and the materials used for fraud, including social security, PIN, and bank account numbers, and the types of identity fraud including credit card, bank, and government benefits.
From the Paper
" What is Identity Fraud?
A. Definition
A Social Security Administration website defines "identity theft" - a term synonymous with identity fraud - as occuring when "a criminal uses another person's personal ..."
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Credit Cards and the U.S. Middle Class, 2006.
Examines credit card debt in middle-income families in the United States.
4,775 words (approx. 19.1 pages), 26 sources, MLA, AU$ 178.95
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Abstract
Over the past several decades, the American middle class has expanded by hundreds of thousands of households. Record numbers of families, headed by minorities, as well as female-headed households and single individuals have joined the middle class. The paper shows that with this growth and diversity throughout the class, the economy has witnessed record years in spending, especially through the use of credit. This increase in commitments of spending future income has resulted in a class-wide precarious financial position that has heightened their vulnerability to financial ruin. The paper examines the history of credit cards in the United States and shows how this form of payment is affecting the middle class in contemporary American society.
From the Paper
"Now, many credit card companies actually avoid frugal types who use a credit card as a convenience and pay off balances every month. Instead, they statistically look for spenders who have an appetite for debt, are willing to make minimum monthly payments and tolerate high percentage rates and fees. They know that fees for late payments and fees for exceeding a credit limit increase profits. Sometimes an extra like credit protection, coupled with a late charge, is enough to put a customer over his credit limit, thereby giving companies another excuse to levy a charge (Gorham, On-line). The actual sub-prime market, which includes high loan-to-value ratios, includes mortgages, car loans and credit card debt, is "estimated at $200 billion dollars and growing by an estimated 50 percent a year" (Skelly 8)."
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Green Cards, 2006.
This paper examines immigration and the responsibility employers have in correcting or worsening the problem.
1,350 words (approx. 5.4 pages), 3 sources, AU$ 77.95
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Abstract
This paper discusses immigration and the application for and issuing of green cards. The paper notes that for those immigrants who do come to the United States to work, each needs a green card in order to have a job, a green card being an identification card that says that the individual has permission to work in the U.S. The paper points out that part of the problem has been that some employers do not pay attention to this requirement.
From the Paper
"The immigration debate has heated up once more, with growing concerns about the number of people entering the country across the border with Mexico, leading to calls for more policing efforts and for the building of a fence to keep illegals out of the country. Studies have shown how the scope of the problem, which has become tied to questions of security, is also often tied to issues of the economy. Some see immigrant workers as a necessary part of the economy, taking jobs that most Americans do not want to take but want done just the same. Others believe that foreign workers only depress wages because they take certain jobs which businesses would have to pay more to get Americans to do. The evidence on this is mixed."
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Credit Cards Authorization On the Internet, 1999.
Examines concepts and practices relevant to the feasibility of marketing credit card software to Internet businesses including brand name, loyalty, technology, promotion, attention, price and more.
3,150 words (approx. 12.6 pages), 3 sources, AU$ 162.95
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Abstract
Examines concepts and practices relevant to the feasibility of marketing credit card software to Internet businesses.
From the Paper
"EXECUTIVE SUMMARY
This paper is an analysis of the feasibility of selling a line of credit-card enabling software for companies wishing to do business on the Internet. As a part of this paper, 25 typical marketing definitions are restated to have more power and importance as part of a unified organization.
The concept of unification as opposed to pluralistic is also discussed, along with its benefits of adoption. The paper concludes with an analysis and description of market power and force analysis, using the concept of DADDIE.
The research in this paper reflects the first step of an ADDIE process -- that of analysis. The next step after this analysis would be to design and develop a plan that could be implemented and then evaluated."
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