Signs of Elder Financial Abuse

Signs of Elder Financial Abuse CHAPTER 1: METHODS AND TACTICS OF AN ELDER FINANCIAL ABUSER Our families, communities and state legal system have worked in recent years to protect our loved ones from elder financial abuse. That said, families with elder adults still share a deep fear about the physical, mental and financial safety of their loved ones. Elder abusers, however reprehensible, often find ways to circumvent the protections that our families and society provide our senior citizens. Wrongdoers have their methods and tactics, and its our responsibility to counter them at every turn. If they think theyve gotten away with hijacking estate or trust assets, trust litigation attorneys should make them pay under the full weight of civil law. In my practice, which likely mirrors our country at large, the following are the five most common ways elder financial abuse happens: 1. Caregiver Abuse When a Michigan trial judge dismissed a familys lawsuit against a home care company for sending a caregiver with two felony criminal warrants to care for a man in his 80s, the national press erupted with questions about how this could happen. In this particular case, a caregiver company Kentucky-based ResCare sent a woman to a retired Detroit-area businessman to look after his ailing wife, who had dementia. It didnt take long until the wifes jewelry began to disappear, as well as the businessmans fortune. Court filings estimate the losses to be as high as $1.5 million. The caregiver, if she could be called that, moved the businessman out of his bedroom into the basement of his lakefront home and moved her mother into the home. The businessmans wife died, and within months the caretaker married the businessman. When the businessmans family members finally intervened and removed him from his home, his finances were in a shambles. He didnt have bank accounts with positive balances or working credit cards. He had his social security monthly payment thats it. The Michigan businessman and his family are simply representative of the widespread abuse affecting our growing elderly population. I have handled a number of cases where predators, posing as legitimate caregivers, soon take advantage of the elderly. This misconduct includes physical and medical neglect often coupled that with embezzlement and theft. The Michigan case didnt work out well not that any of these abuse cases by nature work out well. Even with a partial financial recovery, the seismic emotional repercussions stemming from misplaced trust dont easily recede. 2. Financial Exploitation Financial exploitation takes many forms. Every day, even though I have been counseling families for decades, I am regularly surprised. The sale of an elders medications; grocery bills more attributable to cash withdrawals taken by caregivers than bread and milk purchased for the elderly; lawn service for a small yard at $300.00 per week; money used for gambling; medical care and dental care neglected because of the theft of funds; and assignments of bank accounts into joint tenancy with a wrongdoer. Most families with victimized elders could readily add to the list of the ways elders are financially exploited. Vigilance helps. Here are some examples of vigilance: Be very careful and take precaution when hiring caregivers. Simply hiring a caregiver company is not an insurance policy against wrongdoing. Watch your elders bank accounts particularly withdrawal activity or changes in accounts. Sometimes the horse is out the barn door before you discover bank transfers but it is still better late than never (or a year later). Be careful and inquiring when you hear that your elder has been making frequent trips to the bank. Be vigilant in watching your elders mail. We have seen circumstances where financial information is hidden from the view of the elder and his or her relatives. This is a sign of great danger. Some financial advisors believe that an elders credit report should be ordered periodically. This could also be a good canary in the coal mine. We have seen cases where social security checks were cashed by wrongdoers. Direct deposit of social security checks, retirement and dividend checks provide some distance between a wrongdoer and your elders money. Review receipts from vendors (grocery store, pharmacy, Costco etc.) for goods purchased for your elderly relative. We have seen wrongdoing first discovered in this review. A $350.00 receipt from the local grocery store showing a $200.00 cash withdrawal can make even the most oblivious suspicious. Watch for service scams. New heaters, air conditioners, garbage disposals or lawn irrigation systems sold at a large premium are not unusual. Reverse mortgages can be a blessing or a curse. Reverse mortgages may provide a large lump sum payment or a stable predictable monthly income to senior adults, but money coming from reverse mortgages may also be a large tempting cookie jar for unscrupulous caretakers or relatives. More than once have I seen reverse mortgages paid to vulnerable senior adults with questionable capacity. The existence of a reverse mortgage is often not discovered by the senior homeowners family until the senior has passed away. 3. Misuse of Powers of Attorney Durable powers of attorney can be a great legal vehicle for senior adults to appoint a trusted agent to handle health, legal and financial matters. Such powers, when used with prudence by trusted family members or agents, provide legal protection when and if the senior becomes incapacitated or incompetent. Such powers when used correctly are an unfettered blessing. If misused, such powers can destroy a lifetime of planning. The effective and prudent use of durable or medical powers of attorney brings no headlines. In the same way, misuse of such legal vehicles is often kept secret and only met with incredulity by relatives when discovered. We have seen a number of incidents where powers of attorney were misused at the end of life of an elderly adult to benefit the holder of the power of the attorney. Examples of misuse include: The transfer of real property to the holder negating trust provisions that provide for a different distribution; entry and seizure of safe deposit personal property coupled with later denials of the existence of such properties; dramatic changes in bank accounts that are inconsistent with will or trust provisions; and transfer of vehicles. Some holders of medical powers of attorney have misused their powers to prevent family members from visiting the hospital bed of a gravely ill or dying relative. California has recently addressed this issue in legislation making such abuse much more difficult. In the meantime stories abound about how a son or daughter, grandson or granddaughter, could not visit a dying relative because a stepmother or stepfather prevented the visit. If these problems were not so common there would be little need to address it. For those who face the issue, they should immediately contact a lawyer familiar with elder abuse laws. Medical facilities should also be aware of their own limitations is preventing visits. 4. Isolation and Freeze-Outs Isolation of elders from their families, neighbors and loved ones is an all too common occurrence. Changed door locks, new locked front gates, mobile telephone seizures, failure to answer or open the door to visitors, and unreported removals of elders from their homes are part and parcel of isolation. These actions cause family members to fear for the safety of their loved ones and also may create a sense of helplessness. Unfortunately, such conduct is common. For Californians who encounter isolation or freeze-out abuse, the first step is to call Adult Protective Services or its equivalent. Local law enforcement agencies also often have task forces that deal with such abuse. Civil lawyers skilled and experienced in elder abuse issues can assist in such contacts and can also address such issues in civil filings that include restraining orders and other appropriate measures. Words of warning while isolation and freeze-out conduct might be obvious to the family member of the elder, such conduct may not be as obvious to authorities. Criminals and wrongdoers do not usually jump at the chance to admit guilt. While there is no excuse for elder abuse, wrongdoers will readily provide excuses. Common excuses include I had to keep everyone away because they just upset the elder; We had to move Grandpa to Arizona because they had the best medical care there; I had to keep Aunt Bessie from the phone because she only got upset when she heard from her relatives; Of course I had to keep my dad away from my sisters and brother because they are greedy and they only wanted to get his money; and I needed to protect my uncle because he was afraid that his children were going to hit him, push him down or lock him up in a mental asylum. Dont expect the isolator to readily admit that she bought her boyfriend a new Harley with grandmas money, that the house and surrounding are a pigsty because she is doing meth, or that all of grandmas jewelry was sold to support her drug habit. Youve got to dig at it when your loved one is isolated when you are frozen out. The process can be demanding, frustrating, and can cause anxiety. Still dont turn your back on your elder do something protect the vulnerable. 5. Unwarranted Transfers First, an obvious acknowledgment: families often have difficulty in transferring an elderly family member to an assisted living or nursing facility in situations where it is absolutely in the seniors best interests to have such a transfer. Id venture to say that most transfers are absolutely warranted and done with love and care for the senior. It is the unwarranted transfers, coupled with wrongdoing, that can petrify family members. The common setting for unwarranted transfers is the presence of a family member maybe a stepbrother or stepsister who is estranged from the seniors other children and family members. For whatever reason, and by whatever treacherous means, the wrongdoer is able to get the elder into his or her home and get the elders estate plan altered. Once the estate plan is effectively altered, it can be Katy bar the door for change. More than once we have seen circumstances that the senior is transferred against his or her wishes to a facility geographically removed from other family members. In the meantime, personal goods and family mementos are often discarded or hidden. These actions often cause even greater anger than money transfers. You simply cant replace photographs, family heirlooms, military awards, or personal collections with money. The discarding of important family treasures is an affront to the remaining family members a complete disregard of important family history and a glaring mark of the greed of the wrongdoer. Difficulties abound when trying to address unwarranted transfers. First off, the senior often lacks capacity. So what do we look at when the senior lacks capacity? One way to deal with an incompetent senior is to seek a conservatorship of his or her person and estate. This is not without complications. Does the senior really wish to be supervised by a stranger or even a benign family member? Conservatorships can be expensive and time consuming. Prospective conservatees are afforded counsel public defenders or otherwise. The costs of such counsel is paid from the conservatees estate. Courts are often reluctant to appoint conservators even for those with great impairment it is the taking away of ones freedom, even if such freedom increases vulnerability to scams and unscrupulous people. Detecting the Tactics of Elder Financial Abuse The sooner elder financial abuse is detected, the better the chance for recovery of estate and trust assets on behalf of the victims. So what are the typical signs or red flags to look out for? According to the guidelines of National Adult Protective Services Association, the following factors should be watched closely to avoid a potential personal tragedy and financial disaster: 1. Liabilities Unpaid Bills: What if an elderly loved one should have the means to pay the bills every month, but somehow their utilities get shut off? There might be more in play than just a seniors faulty memory a bad actor may have made off with money from the elders accounts, leaving the victim high and dry. 2. Surrender of Oversight: Very often we see cases of a new friend, neighbor or opportunistic relative appearing on the scene to offer their help in managing the elders financial account. At times they even succeed in gaining power of attorney. This effective forfeiture of oversight should be looked into closely for other indicators of suspicious activity. 3. Suspicious Withdrawals: As any good investigator will tell you, follow the money. When financial accounts begin registering unexplained withdrawals or checks set to cash, its time for you to speak with bank employees and get further details on whos making these transactions. 4. Vanishing Assets: Another tell-tale sign of elder financial abuse is when valuables begin to disappear. Suddenly an elders jewelry, cash or financial documents like stock certificates vanish, and the perpetrator takes to living lavishly with new purchases of fancy attire, vehicles, property, etc. 5. Changed Estate Documents: Wrongdoers who commit elder financial abuse will often seek to legitimize their predatory behavior with the stamp of legitimacy. Exercising undue influence on the elderly victim, theyll shop around for any lawyer who will agree to change a will or trust document in their favor. Ask your elderly loved one about any such changes if you are faced with such a situation, it may be time to consult an experienced trust litigation attorney. 6. Creditors Come Knocking: Is the elder encountering financial trouble where there should be none? Find out the explanation for property liens or foreclosure warnings. The reason behind creditor claims may be more than just a mistake your elderly family member might have been financially exploited by an abuser who cleaned out their accounts. Identifying Financial Exploitation and Scams As the population of senior citizens in California continues to grow, so too will the challenge posed by fraudsters who want to prey on our elderly and steal their money. To help seniors and their loved ones identify and avoid scams, Ive compiled a list of the most common ploys, tricks, and tactics financial criminals use against the elderly. So watch out for the following forms of fraud: 1. Grandparents Scam A senior will receive a phone call beginning with, Grandma? The caller will cleverly elicit the grandchilds name. Posing as the grandchild, the scammer will then say theyve gotten into some form of deep trouble they might tell the senior theyre in jail or stranded in a foreign country. Its an emergency, and they need help immediately! With the grandparent now upset and ready to assist their supposed grandchild by any means possible, the scammer will ask them to wire money to their bank account, often by Western Union. To avoid falling for the grandparent scam, dont let a caller drag you into the guessing game, whereby you willingly provide them with the names of your grandchildren and other relatives. If a scammer is more sophisticated, they might research their victim on social media sometimes theyll run the scam on platforms like Facebook. Call your family members and check on the whereabouts of your grandchildren, no matter how convincing a story you may hear over the phone or through social media. 2. Secret Shopper To your surprise, you receive a check in the mail for several thousand dollars to Wal-Mart or another big-box store. Youve been chosen for the secret shopper program! In reality, youre being conned into depositing a bad check. Once youve deposited, the scammers will ask you to mail them a check with the difference and thats in addition to your being responsible for the fraudulent check youve cashed. Secret Shopper is a nasty scam that leaves its bewildered victims thousands of dollars poorer. Keep elderly loved ones away from fraud schemes like Secret Shopper by using the too-good-to-be-true rule: if its too good to be true, its not true someones after your money. That means Secret Shopper offers are as good as garbage. 3. Email Scams Email scams have been around a long time and arent going away its cost-effective for swindlers to send out millions of spam emails, even if they only get one or two responses from potential victims. If you have an email account, youre going to receive these from time to time, even with the best spam filters. The most notorious email scams are Nigerian prince letters, which inform recipients that they have been selected to share in an enormous royal fortune in Nigeria or some other West African nation. All the recipients have to do to gain their riches is wire money to the esteemed prince to pay the transaction fee. Naturally, there is no pot of gold at the end of the Nigerian rainbow, with the net result of your bank account being emptied. Another common type of email scam is known as phishing, the imitation of real websites to elicit personal and financial information. You might very well receive a bank alert that seems to be from your bank; the message will inform you that your bank account is overdrawn, you are the victim of identity theft, etc. Even the layout of the email and fake website will look convincingly real. Yet the actual purpose of the phishing scam is to get you to enter your bank account ID, password, Social Security Number, etc., into the phony website, all in order to defraud you. In addition to Nigerian prince emails and phishing schemes, you may also receive emails marked urgent, etc. Often theyll seemingly be sent from friends and relatives. Theyll have attachments in the form of letters or videos youre told to open. In reality, theyre fake letters with harmful attachments viruses or malware that are designed to infect your computer and steal your personal information. Online criminals can even mask their spam messages to make it appear they come from friends, family, and colleagues in their attempt to trick you into opening the attachment in order to unleash their virus. To steer clear of email scams, the best policy is simply to delete unfamiliar emails and not engage too-good-to-be true offers to share in African riches. If you get a bank alert email that youre unsure of, check your account online (dont click on any link in the message) or simply call your bank to check your account. Also remember to never open attachments in unknown messages, and be very weary of vague requests from seemingly familiar senders who might very well be identity thieves and con artists. 4. Investment Fraud Investment fraud is an all-too-common form of elder financial abuse, and scammers find numerous ways to perpetrate the crime against seniors. The first variety are classic Ponzi schemes, where elderly clients are recruited into dubious investment ventures promising big returns, but which in reality generate no profit investment proceeds are simply skimmed from client funds. Ponzi schemers will pose as legitimate entrepreneurs or investment advisors, sometimes offering free meals to attend their wealth seminars. By the time a Ponzi scheme collapses (as it inevitably will if authorities dont intervene), victims are often left penniless and effectively unable to recover any of the funds they had invested in the scheme the perpetrator likely spent all the money and distributed it out as false profits. Its unfortunate but true that there are also a few bad-faith brokers out there who are willing to defraud their elderly clients. Investment advisors and brokers who violate their clients trust can sometimes go years stealing before they finally get caught. To keep a financial predator from looting your accounts or those of your loved ones, make sure to review their background through FINRAs BrokerCheck it never hurts to get a second opinion on a firm or particular advisor. Along with Ponzi schemes and outright abuses by bad-faith brokers, also watch out for multi-level marketing schemes (MLMs). MLMs, otherwise known as pyramid schemes and network marketing, are technically legal business models that require the new member to recruit others into the venture in order to sell whatever product might be on offer. Senior citizens, at times lonely and in need of companionship, can be vulnerable to these schemes, some of which will send them box-loads of products and charge them whether they agreed or not. So while MLMs are technically legal, they are often highly exploitative of senior citizens through their deceptive terms and conditions. To steer clear of investment fraud, apply the too good to be true rule to investment offerings that boast sky-high returns and near-zero risk chances are its a Ponzi scheme. Conduct due diligence and consult a reputable advisor who can help you or your elderly loved ones make sound investment decisions. And stay away from MLM pyramids, the only point of which is to enrich their very top layer while exploiting everyone else below them with largely empty promises of wealth. 5. Telemarketing Fraud Often connected with investment scams are predatory telemarketing schemes, another way fraudsters look to entrap seniors. Many elderly Americans receive several phone calls a week from slick salesmen pitching everything from penny stocks to flimsy-sounding premium retirement programs for their portfolios. Quick-talking telemarketers will pressure lonely, confused seniors into once-in-a-lifetime investments in dubious or non-existent oil and gas holdings, foreign currency exchange, real estate, and even blockbuster movie productions. Another ploy is to hit up the victim for contributions to a supposed charity. Finally, dont be fooled by con men (and women) who pretend to be calling from your bank, hospital, insurance provider, etc. Theyre looking to elicit your personal information to commit identity theft against you. Its sad but true that financial abuse is made easy over the telephone. To prevent telemarketing fraud, make it an express policy to never sign onto anything over the phone. Courteously hang up and make sure to register for the US governments Do Not Call list. Keep it simple never give personal or financial information to unknown callers, no matter who they might claim to be. 6. Repair Fraud Seniors are frequently targeted for elder financial abuse right in their own home through the common tactic of repair fraud. If an elder is forgetful or possibly suffering from dementia, wrongdoers will look to exploit this weakness by overcharging for home repairs and yardwork. Sometimes scammers will even come around repeatedly, performing the same task several times over a given period and defrauding the victim in the process. Even unscrupulous auto mechanics have been known to jack up prices for elderly, confused customers and engage in dishonest, unethical practices like changing tires every few months. Another updated form of repair fraud is the antivirus scam, which can be perpetrated in person, online, or over the phone. You might receive a fake email, a telephone call, or even a door-to-door visit from someone claiming to check your computer for viruses. Theyll tell you your computer is infected and repair it, charging you for a non-existent service and possibly even stealing your personal and financial information while they access your computer. Countering repair fraud might mean going to the doctor and getting an evaluation over possible memory loss or increased confusion. Seniors with conditions like dementia must be protected from financial exploitation one effective way to shield vulnerable elderly loved ones from repair fraud is to obtain financial power of attorney. When a responsible younger relative takes on this legal duty, its sometimes possible to recover funds lost to repair fraud. 7. Sweepstakes Scams Fake sweepstakes, lotteries, and raffles represent a widespread form of fraud perpetrated against senior citizens. Youll get a flashy mailer informing you of your amazing prize winnings, or perhaps a telephone call or spam email. A fabulous fortune is yours to be had, youre told, and all you have to do to attain your winnings is pay a phony tax, shipping fees, or other made-up charges. Your social security number and bank information might even required to claim the supposed prize. In reality, of course, the sweepstakes is a scam meant to trick you out of hundreds or even thousands of dollars, potentially putting your identity at risk. The too-good-to-be-true rule applies to most scams, and ridiculous sweepstakes mailers are no exception. A real raffle or lottery wouldnt require you pay or provide sensitive personal info to access your prize. Sweepstakes offers and other contest winnings should be promptly tossed in the trash, and whoevers sending them through the postal system should be regarded with strong suspicion. Seniors should have a trusted loved one help them sort through mail and identify all such deceptive mailers. Countermeasures Heightened Vigilance What are some initial steps you can make to prevent elder financial abuse? Several measures are available for family members, lawyers, financial professionals and medical caregivers. Along with basic awareness, coordination and ongoing communication between parties translate to increased protection. Here are some basic actions you can take to keep elderly loved ones safe from exploitation: 1. Financial Oversight: A family member and financial professional at the local bank or advisory firm should establish a system of oversight over an elders accounts. In addition to setting up bill payment, keep a sharp eye on any excessive withdrawals or irregular transfers. Consider joint accounts with the elder, and look into the possibilities of a limited credit card for an elder susceptible to financial exploitation. 2. Revocable Trust: With a revocable trust in place, a trustee has access to a trust account without enjoying the status of legal ownership. Stopping irresponsible or just plain bad trustees from squandering assets translates to building in effective safeguards. 3. Communication: The human element is vital in preventing elder financial abuse, and that means maintaining effective lines of communication between all interested parties, whether it be the attorney, investment advisor or medical caregiver. Just as importantly, a loving relationship with an elderly family member makes all the difference in shielding them from harm. If a senior is lonely, theyll be more vulnerable to fraud or unethical sales pitches. Just visiting an elder regularly, talking and showing them you care is an enormous boost in keeping them safe. 4. No-Contact Lists: Boiler room telemarketers and deceptive mailers target elders who suffer from cognitive impairment. One way to block most, if not all, of these unwelcome solicitors is to contact the FTCs Do Not Call Registry, Nomorobo and the Direct Marketing Association. Speak with your elderly loved one about the harmful nature of these calls and fliers to help them spot when theyre being scammed. Protecting your elderly family member is virtually a full-time job for many it becomes a full-time job of care, comfort, housing, medical visits, and protection. Such duties may be embraced with love, but it is a love coupled often with real suffering. It is never easy to care for a parent with dementia or with chronic physical or mental problems. Both physical and mental exhaustion often accompany such care. Sibling issues arise between those who are near the elder family member and those who are geographically removed. Friends of the elder might be critical of the care or protections that are put in place for the elders benefits. Not all is black and white. Taking care of an elder adult often reminds us to reflect on the meaning of the Fifth Commandment: Honor thy father and thy mother. Doing this honor is a day-to-day process, and is not without its challenges.

History of Punjab: State of Sikh Religion :: World History

History of Punjab: State of Sikh Religion Punjab, state in northwestern India,bordered on the north by Jammu and Kashmir state and Himachal Pradesh state, on the east and south by Haryana state, on the south and southwest by Rajasthan state, and on the west by Pakistan. Punjab state lies between the great systems of the Indus and Ganges river. Punjab had a population of 20,281,969. Chandà ®garh is the state capital. The population of Punjab consists mainly of Punjabis, Jats, and Rajputs. The official language is Punjabi. The majority of the population is Sikh, the largest minority is Hindu, and a very small percentage is Muslim, Buddhist, Christian, or Jain. 59% of Punjab population is literate. Universities located in the state include Guru Nanak Dev University in Amritsar, Punjab Agricultural University in Ludhiana, and Punjabi University in Patiala. More than 80 percent of Punjab is cultivated, and farming is the leading occupation. The major crops are wheat, maize, rice, pulses, sugarcane, and cotton.The industries include the manufacture of textiles, sewing machines, sporting goods, starch, fertilizers, bicycles, scientific instruments, electrical goods, and machine tools, and the processing of sugar and pine oil. I am proud to be Punjabi because of pure and rich culture of that state. Punjabis' are famous all around the world and can be easily found in any corner of the world. ANCIENT CIVILIZATION: Punjab is the birth place of Indus Valley Civilization, which is more than 4000 years old. Harappa and Mohenjodaro civilization, along the banks of the Indus in Punjab is also the most ancient and famous civilization in the world history. Punjab is also the birth place of many Saints belong to Sikh and Hindu religion. Aryan Migration: During ancient Punjab takes small scale migrations by the Aryans from the North-West (1500-100 BC). The next thousand year they live in Punjab, they settled never Indus Basin where the oldest books of human history called the Rig-Vedas are supposed to have been written. The language of Aryans was Sanskrit. Persian Rule: Punjab shared lot of history with great Persian empires. Punjab came under their control from time to time. Darius the great, the Persian king attacked Punjab and occupied many parts of Punjab. At last the Punjab was full invaded by the Persian King Gustasp in 516 BC. Punjab became the wealthiest Satrapy i.e., the province in the Persian kingdom. Punjab became the heart of the Persian Empire.

Interoperability Paper: Child and Family Services Essay

The Catholic Social Services of Washtenaw County provides many different services and resources. In this paper I will be talking about the Child and Family Services. The program that I will be focusing on is a program that supports and focuses on children and families. CSSW recognizes the impact that family life has on a child’s ability to grow and develop. We have established programs that recognize and address the needs of children to ensure they are in a stable, safe and loving environment. In addition, CSSW offers caregivers the necessary outlet or training needed to mentally and emotionally tend to and their parent/caregiver, connect caregivers to community resources and promote a family’s ability to stay together. (â€Å"Catholic Social Services Of Washtenaw County†, 2013) I will be focus on the three models Loosely Linked Network, Network Model and Top-Down Model. I will talk about the advantages and disadvantages that all three models have when referring to the origination Catholic Social Services of Washtenaw County. Loosely Linked Network Model This model is the least impact and would give the agency more control over their creativity and what they can afford. The child and family program that I am taking about could easily have a model like this implemented and it also could be very affective for this organization. Having in house resources and other organizations in the area can also help. The Loosely Linked Model can help with resources that they can use on the internet to find services directly related to them, it can resource the overall cost of technology that they use in the Child and Family program, and it can also it has the flexibility with in the Catholic Social Service as a whole. There are some advantages to this modal for this particular organization, cost being a big factor, and training for the staff that is working in the program and for the agency. This model would be the easiest but maybe not the best for this agency and their needs. There however are several disadvantages to this particular model. A few are there is no quality control, who is watching out for potential lack of standards and the overhead cost could be high because inefficiencies and monopolies that may occur. Also with this particular model it makes work for some organizations but for this one it would be a bad idea, because they have so many other components to their agency. If technology failed in this model it would not be hard to keep the programs running smoothly. These models resources are still local and would not require networking using a computer. Having paper information of all the support and resources that are being used would need to been done so the clients are still supported no matter what. Network Model This model is more of a formal model that has guideline and standards that have to be met and set up before establishing it for the agency. For this particular organization this type of model may be something that they really need to look and to see if this is something that would benefit the whole agency. At Catholic Social Services there is more area of focuses besides the child and family, they also have programs like adoption, counseling, housing, parenting, and pregnancy. By having a systems that networks their clients information and situation would already be in the system for the other areas of support to find resources for them and or give them other types of support that they did not know was even out there for them. There are a lot of advantages to this model like the overall networking piece, and making sure that the clients get the resources and support they need because of the network being used at the agency, there is always some disadvantages too. One major disadvantage is funding, making sure that all the agencies, services and resources are linked together has a cost to it. Another huge disadvantage is some of the jobs preformed can be taken away because the networking is being done automatically, which them the individuals that had those jobs would have to move to more complex jobs which then you may have the cost of training and or hiring individuals that are more educated for the jobs at hand. For this agency having more of a networking model would be beneficial and would also support the individual and or families more.  Having access to more services is always a bonus. This model may have a hard time functioning if technology fails. This best thing for this model is to make sure there is always paper trails and backup. It may seem like a lot of extra work but you need to remember it is for the clients that you are helping. Top-Down Model The Top-Down model is a model that has several components and ways to share the information that is needed. Keeping the Catholic Social Services Child and Family programs the three components of the IGHI would be the (a) the Child and Family Services, (b) Washtenaw County Catholic Social Services and (c) Catholic Social Services. By having these three components they are an informational infrastructure not just an organizational agency. Having these three components working together there can have some pro and cons to it. Some pros are that is a client needs information, resources or services outside Washtenaw County their information is available to others with in the Catholic Social Service origination. Also by having multiply agencies using the same system some of the task can just become routine for the system so the human service professional can focus on other task, like having more time to meet with clients. There are also some cons to this type of model. There has to be goals that are set by everyone, system wide goals. Without system wide goals there is no monitoring and control by the origination. Over all lack of support by everyone involved can be a major issue for the organization and their clients. This model would work if all parts of the origination were on board and was able to understand the benefits to this model. If they do not understand the model they may feel that they do not have the freedom to help their clients the way they see fit when in reality it is the opposite. The more information and support right at your figure tips the better for the human service professional and most importantly the clients. This model could get a little tricky if technology failed. Having everyone on the same system could and or would take down the whole agency, which them no one could help their clients until it was fixed. Even if only done for a short time it could really matter in some of your clients cases. Making sure that there is back up information on all clients would need to be done, so supporting clients could still happen even without technology. All three of these models have several pros and cons to them. I  think that to help this particular agency, The Washtenaw Catholic Social Services: Child and Family that the Networking model would be the best to support their overall need for the organizations and their clients. They already have a Facebook, twitter and a very interactive web page. This organization no matter of their model is here to support their community. â€Å"As a member of our community, we believe our work attains the greatest benefit when we join with our neighbors and colleagues to create a responsive, compassionate society where all are valued, honored and have the opportunity to thrive.† (â€Å"Catholic Social Services Of Washtenaw County†, 2013) References Catholic Social Services of Washtenaw County. (2013). Retrieved from http://csswashtenaw.org/ Schoech, D. (2010). Interoperability and the Future of Human Services. Journal Of Technology In Human Services, 28(1/2), 7-22. doi:10.1080/15228831003759539

The Reality Of Television Shows Influences The Politics...

Reality television shows are the usual genre of programs in the 21st century. These programs show the reality of what happens in real life. They are not like movies or series that are being acted or are done based on actual stories. The characters shown in these shows are the real people who act. Keeping up with Kardashians, Love and hip-hop, and the Police women of Cincinnati are some of the recent reality TV shows that are aired on American TV channels. Keeping up with the Kardashians is about the three sisters Kim, Khloe and Kourtney Kardashian. It revolves around their professional and personal life. Love and hip-hop is about various hip-hop artists around the United States of America. Such shows touch on the artists’ relationships and their careers as an artist. Policewomen of Cincinnati is about the lifestyle of four female police officers, who are working in the Cincinnati police department. Different reality TV shows have influenced the society in various ways. The res earch essay is about how these kinds of reality TV shows influences the politics and the culture of the various communities. It also covers how the media changes or maintains the society, with what they show on the social sites. Finally, yet importantly, the essay describes how the shows reinforce the current class structure, how they affect racial stereotypes, and gender biases (Murray Ouellette, 2009). Keeping up with the Kardashian is a reality TV show unveiling the life of the three sisters andShow MoreRelatedFactors that Contribute to the Popularity of Reality Shows on TV874 Words   |  4 Pagesand engagement of audience with reality television. The study aims to investigate which factors influencing on television viewers’ decision to vote and also provide an exploration on their psychological side which may be vital for understanding their interactive behaviors. 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