What purpose does plea bargaining serve for the defense and the prosecutor? do you believe that it is a fair practice? explain
discuss various enforcement problems with IT security policies.The first two case studies illustrate the lack of enforcement which allowed data breaches to occur.The third case study showed how a policy changed the culture and prevented a more serious breach.
American Family Care is notifying patients that their personal information – including Social Security numbers – may have been stored on two unencrypted, password protected laptops that were stolen from an employee’s vehicle in July.
How many victims?
What type of personal information? Information related to work-related injuries, physicals, immunizations, or drug screens. On Aug. 15, American Family Care discovered that the laptops may have contained patient names, addresses, dates of birth, phone numbers, medical record numbers, Social Security numbers, medical information, insurance information, driver’s license numbers and dates of service.
1) What American Family Care weaknesses might have caused the breach? Please list at least 3 possible weaknesses.
2) What should the response be for American Family Care? (lessons learned, how can they prevent future breaches) Please list at least 3 possible activities.
the ability to create informed consent and debriefing forms that adequately state the purpose of studies to the participants in an ethical manner.
| The U.S. Congress enacted the Fair Credit Reporting Act to address concerns over consumer credit report accuracy, privacy, and fairness. | |
| Prior to the FCRA, consumers were unable to challenge errors in their credit reports. | |
| Under FCRA, consumers are allowed to receive one free credit report every five years. | |
| Under FCRA, creditors must notify consumers if they deny credit based on a credit report file, and they must also tell the consumer which of the three credit bureaus provided the report. |
2.
Which of the following is not a recommended step in the Drive Free method of purchasing a car? (5 points)
| Plan your purchase in advance using the sinking fund method of saving. | |
| Explore new car dealerships for the best interest rate. | |
| Start with an inexpensive car and gradually move up in car value as your savings increases. | |
| Place your savings in a mutual fund so that your money can make more money. |
3.
Which of the following is not recommended in the debt snowball method of getting out of debt? (5 points)
| List your debts in order from smallest to largest balance and focus on paying the smallest debt off first. | |
| Attack your debt with intensity. | |
| Every extra dollar you get should be thrown at the largest debt first. | |
| Every time you pay off a debt, you add its old minimum payment to your next debt payment. |
4.
Individual account information is removed from your credit report seven years after the last activity on the account, except for Chapter 7 bankruptcy, which stays on your credit report for: (5 points)
| 10 years | |
| 1 year | |
| 5 years | |
| 20 years |
5.
You can and should obtain a free copy of your credit report annually in order to check for any suspicious activity. (3 points)
| True | |
| False |
6.
It is okay to use a credit card if you pay it off every month. (3 points)
| True | |
| False |
7.
Co-signing a loan is a good way to help a friend or relative. (3 points)
| True | |
| False |
8.
Select the word that is described in the statement. (15 points)
| 1. | A detailed report of an individual’s credit history |
| 2. | Cost of borrowing money on an annual basis; takes into account the interest rate and other related fees on a loan |
| 3. | Preferred method of debt repayment; includes a list of all debts organized from smallest to largest balance; minimum payments are made to all debts except for the smallest, which is attacked with the largest possible payments |
| 4. | A decrease or loss in value |
| 5. | Time frame that a loan agreement is in force, and before or at the end of which the loan should either be repaid or renegotiated |
| a. | debt snowball |
| b. | credit report |
| c. | loan term |
| d. | annual percentage rate (APR) |
| e. | depreciation |
9.
Describe the difference between a secured and an unsecured loan. (13 points)
10.
Explain why financing a car is a bad idea. (13 points)
11.
Describe the negative consequences of taking on debt. What effect can debt have on your future? Be sure your answer is in paragraph form with a minimum of five sentences. (30 points)
Discuss the key trends and drivers in the macro-environment that are having an impact on hospitality organisations worldwide in 2018. Explore the ways in which the organisations can respond to these trends.
