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  • Rolling Deposits – Uncovering the Granddaddy of Cash Fraud

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    The Shift Manager of the fast food restaurant sat in his car, under a shade tree in a parking lot. On the floor board are unused disposable deposit bags and a destroyed deposit bag that had been sealed with last night’s closing deposit. The manager had sliced open the deposit bag and the passenger seat is littered with the contents – ones, fives, tens, twenties, and change. He will use one of the unused bags to make a new deposit. The manager counted the funds several times, his stress level mounting. The amount is not enough to match a deposit slip for a deposit dated two days ago. Two days ago? What is going on here? Why did he open a deposit bag today for funds to match a deposit ticket that is two days old? Do you know?

    This is a theft scheme called “rolling deposits” and unfortunately it is not uncommon when retail and restaurant managers prepare deposits and make deposit runs to the bank. The employee steals all or a portion of the day’s deposit and makes up for the stolen cash from the contents of future deposits to cover the thefts. The scheme continues as long as the manager has access to deposits.

    The tell tale sign of the “rolling deposit” theft scam is deposits taken to the bank by a particular manager are consistently validated by the bank several days after they should be. Deposits taken to the bank by the other managers are validated on time. The stress level of the manager who is scheming mounts as the need to match deposit funds with unvalidated deposit tickets becomes increasingly complicated. As in the example above, the deposit the manager opened is not enough to cover the past deposit ticket. The manager will now have to wait to add funds from tomorrow’s deposit to conceal his thefts.

    If the business is using disposable deposit bags and the deposit was prepared by another manager, our shift manager involved in the theft scheme makes the bank run with the deposit. As in the scenario above, the shift manager in order to continue his thefts, must cut open the sealed deposit bag and remove the cash and the accompanying deposit slip.

    With no intervention, these theft schemes can go undetected for a long time and the cash losses can be staggering. Experienced security and loss prevention professionals can easily reveal the fraud with a little investigation. In my experience, the manager conducting the rolling deposit fraud will readily confess when interviewed properly. They are so stressed trying to keep the scheme floating, they are generally relieved that it is over.

    There are tried and true protocols in establishing sound loss control practices to prevent this type of scheme and ways to easily uncover it. If you suspect one of your employees of rolling deposits:

    1. Develop a chart – across the top of the chart list these columns: Date, Shift (deposit), Amount of Deposit, Bag #, Depositor Name, Date of Bank Verification. Make a separate line for each deposit. Down the left side of the chart, list the sequential days of the month. Fill in the corresponding information starting with the first of the month.

    2. Analyze the chart – Look for patterns and discrepancies such as missing disposable bag numbers from the sequence, “leapfrogging” of bag numbers and deposit validations from the bank. Look for a pattern of the same manager taking the deposits to the bank when the discrepancies occur.

    3. Action – Prohibit suspect’s access to deposits. If rolling deposit scheme is occurring, a deposit will soon show excessive shortages or missing altogether. Track the deposit activity for past months to get a better indication when the discrepancies first appeared.

    4. Prevention

    * Require all deposits be sealed in disposable deposit bags

    * Eliminate the vinyl/canvas/zippered pouches

    * Record deposit bag number with corresponding deposit

    * Require depositors to sign for deposits they take to the bank

    * Check all deposit validation dates from the bank with the dates of business

    * Develop strong cash and deposit auditing programs looking for deposit bags and validations out of sequence

    * Have a bank representative notify you of “late” deposits (> 3 days late)

    * Consider SMART safes or armored car service

    Taking deposits to the bank is a common practice for Fast Food (QSR) restaurant and retail management. It is fraught with issues such as time away from management responsibilities in the restaurant or store, exposure to traffic accidents and crime, and this “rolling deposit” theft scheme. Although seemingly the cheapest way of getting funds to the bank, it may be most costly should the manager be seriously injured or killed in a car crash or armed robbery during the transport. Stealing tens of thousands of dollars from deposits may pale in comparison.As new technology is developed, armored cars service becomes more competitive, and ways of banking become more progressive it may be time to rethink how we get our money to the bank and eliminate the exposures to our people and our profits. So what is going here? Why are certain deposits getting to the bank several days late?

    Now you know, and now you can do something about it.

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    Source by Libby Libhart

    Views: 0

  • 4 Reasons to Become Money Minded

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    Being money minded is the key to creating wealth and abundance, yet it can be overlooked when a person is trying to increase their wealth and achieve more in their lives. In fact the thought of being monetarily minded makes a lot of people feel repulsed, they associate this with being greedy and single minded – two traits which are not seen as attractive in society. However being prosperous minded is not about greedy, it is about having the right kind of mindset to make and attract money and here are 4 reasons to change your mindset to attract wealth:

    1. Individuals with wealthy mindsets will seize opportunities that come their way – this is something that people with limited money beliefs will not do for fear of failing at a task or venture.

    2. Prosperous minded individuals learn to live their lives free from the control of money. This is not the same as living without money, it just means they do not fixate on how much money they have or don’t have all day long.

    3. Wealth minded individuals recognise limiting beliefs about money and block them out of their minds. Doing this will enable them to create a more positive outlook about money which in turn will help an individual to be more wealth minded.

    4. Financially minded individuals are not ashamed of being this way because they know that this kind of attitude is what enables them to succeed and move forward in life and achieve more.

    These are just 4 of the reasons to become money minded and there are so many more that you can learn about.

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    Source by Christine M Jenkins

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  • The Advantages and Disadvantages of Being Wealthy and Successful

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    As far as I know, almost everyone wants to become wealthy and successful. Being wealthy and successful allows you to lead a comfortable life, buy anything you want to buy, do whatever you want to do and many others. However, it also brings you some disadvantages. Below I will explain them in detail.

    Advantages

    There are countless advantages and I will introduce three major ones.

    1. Wealth and success can guarantee you a high quality life. Many people are pursuing wealth and success because of this reason. Being wealthy means having a lot of money. So you will not worry about matters which are related to money. You can receive the best education, afford the best healthcare and buy anything you want. Besides, you will never worry about your work because you have enough money to feed yourself. In a word, you will be fully satisfied with your life and love your life.

    2. Being wealthy and successful can make you more confident. If you are a successful man, you will find that many people respect you and then you will have a feeling of victory. This will make you much more confident and your confidence and aura will be embodied in your life and work. Moreover, your accomplishments can also give you confidence and satisfaction. Some accomplishments can not be easily achieved but you are able to achieve them. Then, you will receive appreciations from other people.

    3. If you are wealthy and successful you may consider doing some charity work. There are many poor and helpless people around the world. Maybe you want to help them out before but do not have enough money, so when you are rich, you can achieve your desire. Doing some charity work can make you happy, contented and delighted.

    Disadvantages

    Being wealthy and successful does have some disadvantages.

    1. It is hard to know whether your friends or partners are interested in your money or not. When you have gained wealth and success, many people are willing to make friends with you. So you will not know who your genuine friends are.

    2. Perhaps you will be an open target for kidnap or blackmail. If you have much money, some lawless person may plan to kidnap you or your relatives to earn some money.

    Although there are some disadvantages, being wealthy and successful is still an attractive thing. Everyone can gain wealth and success as long as he tries his best to work hard.

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    Source by Sharon R Chen

    Views: 0

  • My Opinion on Sex and Love

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    Sex is not the perfect way to express your love: Rather it’s the perfect way to express love’s feelings. It’s perfect between a husband and a wife, a boy and a girl. It’s not only a physical activity, instead of it mostly a spiritual integration of two souls. It joints the spirit of the people involve. Sex is not love and love isn’t sex. Many often muddle the difference between sex and love. Most people don’t perceive that there’s a difference between them. In this note I’ll give my view on why these things are different from one another.

    Let’s start with sex. It’s something that does not often slump real feelings, real relationship or even a committed. There are few peoples who seek enjoyment from one-night stands. Often many have a ‘friend with benefits’, that’s what I would put under the sex’s category. There are never any real or deep feelings; it’s only about the enjoyment of the act. Usually when people only search to have sex, there’s very little opposite play and intimacy afterwards, the cuddling and holding of one another, well that doesn’t happen often.

    Many people are happy with having sex only for pleasure, never caring for the emotional circumstance of being in love. Often some will lope partner to partner because that’s all they’re searching that’s the instant rush and release in the sex’s pleasure. I’m one of the ones who have never been capable to do this thing. I could never jump into a one-night stand and I could never only have a “friend with benefits”. These parts are the values I’ve about lovemaking. It also, for me, means more that my friend is in love with me, and sex isn’t only about enjoyment. It’s where making love comes into play.

    When two people are in love, and who share the emotional bond with one another, they superintendence very much about making their partner feel desired and taken care of. When an individual is in love makes love to their partner, they give all their needs, not only sexually. They’ll take time by doing sex and making their lover happy. They’re careful to their partner’s every desires and needs. They get more pleasure out of tolerable them then they do themselves.

    Often times, they don’t always need to be glad while making love. Making love between couple who are in love is often intimate and slow. After lovemaking, many people that love one another will clasp and cuddle their lover like a deeper form of close affinity afterwards. It also brings the lovers together and they interconnect deeper on that soulful bond.

    Which is more essential to you in marriage?

    Love, sex or nothing…

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    Source by Sushil Chand

    Views: 0

  • The Writer As A Marketer

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    Should aspiring or professional writers see themselves as marketers? This is a personal question that you alone should answer, not me.

    I am sure you can mention a thousand and one reason people aspire to write. It could be for pleasure, fame, money, education, inform or entertain or whatever.

    So, while one writer may not be interested in making money, but educating the readers, another may want to make all the money on earth. No general rule here.

    I have said it over and over again; a good writer is a wordsmith. It is good to read anything and everything under the sun.

    But, the journey to becoming a good writer comes with practice, practice and more practice. I have said this in my earlier articles.

    Let us look at the writer as a marketer. The business side of writing, if you wish to call it so. Just like me, I am sure you too need extra income. Please, don’t laugh, only smile.

    Yes, you sell yourself, your script, your books, your articles to the entire world as a writer.

    In this modern age, people and nations are looking out for where individuals and nations are searching for specific information, solution, ideas, values, etc.

    So, writers must strive to fill the gap, provide solutions, add values and solve problems using the writing words for their target market or audience.

    I do not know about others, But, I do know as a writer, a journalist that making money comes with real hard work.

    I have abandoned my family for the computers and the internet, researching, reading, browsing and having sleepless nights these days.

    Truth is that my wife and daughter understand. Do they? God knows they do. Ho ho ho ho oh.

    But, am I making money? Good question, but I will answer it, ha ha ha ha ha. Seriously though, writers must begin to look at the business sides of writing, if they have not already done so. I am guilty of this.

    Write, tell the entire world and sell your product over time. Yes there could instance hit where you will make millions in local or foreign currencies selling your books, script, articles, novels, whatever.

    There is no fast rule about this. For some writers, it could take hours, days, weeks, months and years to make a breakthrough.

    The social media is a credible platform for both amateur and professional writers to tell the world about their products, themselves, their passions, knowledge and skills.

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    Source by Emmanuel Udom

    Views: 0

  • What Is The Best Style Of Writing For Online Content?

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    If your website has poor online content it has little or no value to your audience. Online content can be read, watched, listened to and shared. It can be a written article (like the one you're reading now), a blog post, a report, an eBook, an online tutorial, a video or an audio file.

    But one of the most challenging tasks that most website owners face is writing or producing online content that their audience will find useful and engaging. Here a 5 tips to help you create online content that your audience will love.

    1. Understand The Difference Between Offline And Online

    Content that is published in the offline world, like in newspapers and magazines, is different to the content published on most websites. Content in newspapers and magazines generally appeal to a broad audience. Whereas your website content will be quite specific to your audience. You still need good grammar and spelling in your online content but many other traditional rules of writing are broken online.

    2. Small Paragraphs

    When people read online they want short paragraphs of text that can be quickly scanned. Your website visitors don't want to be overwhelmed with large blocks of text. Short paragraphs of text make it easier for your reader to focus on what you have written, and skip from section to section.

    3. Bullet Points And Subheadings

    When you use bullet points and subheadings it also make your content easy to read on a screen. Subheadings provide your reader a basic idea of ​​what the content is about, which can help keep people attention for longer. Bullet points are brief and concise, delivering important information in a simple style.

    4. Use Images And Photos

    People expect to have images included with online content. They make your website look better, articles easier to scan and enhance to your brand. Personal photographs are great for a personal blog and you can also find lots of free pictures, images and photos on numerous stock photo websites.

    5. Overall Tone

    Web content can be more conversational. Keep your writing tone light, casual and interesting if you are writing informal content. Of course, if you're writing for a technical website you will have to use the proper descriptions and appropriate language structure. Having said that, in many instances, an informal tone shows off your individuality and is a great way to connect with your online audience.

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    Source by Jon Allo

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  • Rich Brother by Tobias Wolff

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    The Rich Brothers is a story of two brothers, their sibling rivalry and their contrast in everything including worldly success and failure. While Pete is rich and Donald is poor by the end of the story we are left wondering who among the two is actually rich in the real sense of the term.

    Pete, the older among the sibling is rich and successful. He exemplifies the American middle class dream – nice family life with a wife and two daughters, a house, a sailboat, and every other thing that money can buy you – of success that his hard work in real estate business could attain for him. Donald, the younger brother is just his opposite. He lives alone and survives out of painting houses. At times, he lives in a Berkeley ashram and lives in financial debt.

    Pete comes to rescue Donald out of his difficulties and donates him money right in the beginning of this story. The two are driving in a car when Pete gifts him $100. However, there is a subtle sub-text of sibling rivalry in the background during their childhood as also when they grow up. Donald for instance, reminds Pete how as a kid he wanted to kill him, to which Pete replies, “children always do such things”.

    Pete doesn’t bother to or perhaps doesn’t like to discuss his personal life with Donald, yet Donald asks him if he ever dreams of his younger brother. Pete, in fact has a recurring dream that he is blind and needs his brother’s assistance. Perhaps, the author has metaphorically hinted at the blindness inherent in material success and in need of genuine spiritual assistance from people like Donald.

    The story moves further even as we discover more contrasting characteristics of the two brothers. In comes a character Webster that tells them a mythic tale of his own dream experience involving goldmine and greed. Donald gives away $100 gifted to him by Pete. But Pete throws him out of the car on learning what he has done.

    Meanwhile, Pete ponders what would he answer his wife when she would ask him about his brother? Perhaps, he is not worried. Material wealth has blind his conscience; his sensitivity: “And in this way, smiling, nodding to the music, he went another mile or so and pretended that he was not already slowing down, that he was not going to turn back, that he would be able to drive on like this alone, and have the right answer when his wife stood before him in the doorway of his home and asked, Where is he? Where is your brother?”(Wolff 269)

    Wolff’s story parallels the biblical story of Cain and Abel. One brother is spiritual, God-oriented, helping and reaching out to others, while the other is materialistic, has least concern with God and can even go to the extent of trying to kill or hurt his brother. The contrast in the character of the two brother compels us to ask who is the rich brother? The one that has money or the one who lacks material wealth, but is endowed with human virtues? Who really needs whom? Does Donald really need money? If he really needed money, why would he give it away to Webster without a second thought? Pete can only pretend that he doesn’t need Donald. He can only pretend that he can go alone and will answer his acts toward his brother.

    The author through contradictory characters of the two brothers has tried to dig the real meaning of wealth. A person can remain unfulfilled despite all his wealth as shown through the metaphor of dream where Pete is blind and in need for assistance. Donald is pious, happy and harbors no grudge against Pete, and therefore, is quite capable of helping Pete learn how to be a good person.

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    Source by Ajit Kumar Jha

    Views: 0

  • Schizophrenia and Psychosis Cure

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    Only a philosopher could discover that the human being is completely absurd since this fact means that humanity is totally crazy. A psychiatrist could not come to that conclusion without being considered crazy.

    Only a poet could listen to the inner voice of the unconscious wisdom, recognize her ignorance and feel how horrible it is to live in a place where everyone is crazy.

    The cure of schizophrenia and psychosis is the total and absolute respect to the moral principles of goodness. A schizophrenic is someone who is completely dominated by the wild side of his or her conscience.

    In case the patient is a murderer, one must learn how to forgive oneself, which is usually impossible to achieve since no one can forgive one’s own faults when they have caused despair and misery.

    Schizophrenia is a very serious mental and psychic disease that cannot be cured because the wild side has completely dominated the human conscience. There is no human personality in the psychic sphere. This is why schizophrenics cannot recuperate their human conscience once they lose it.

    However, they can learn the meaning of their actions and can regain their humanity if they are willing to endure suffering. Suffering is medicine when it gives the patient the necessary conditions that help one become sensitive.

    In case schizophrenic patients are victims of other people’s cruelty, they must learn how to forgive their enemies, which is impossible because their enemies hurt them too much.

    Schizophrenia is the result of human craziness, the massive craziness that governs our world, a world where terror, violence, immorality, hypocrisy, poverty and indifference coexist. This is the insane world of the crazy human being!

    Psychosis is also the result of the same global insanity…

    In fact, schizophrenic and psychotic patients are the biggest victims of violence and indifference.

    However, they can regain their mental, psychological and emotional health through dream interpretation, even though the process is very difficult and time-consuming. Everything is difficult when we have to deal with diseases as terrible as schizophrenia and psychosis.

    Time and many efforts are required, but the patients can be cured!

    This is a miracle!

    We can cure these horrible diseases and save the people who are affected by them today, but we must surely focus on craziness prevention from now on!

    We must put an end to all the horrors of our lives, so that schizophrenia and psychosis ceases to exist in our population.

    Massive psychotherapy is indispensable for humanity if we wish to save the human race and our own planet, since we have almost destroyed all the natural sources, and created an imbalance in the nature of Earth.

    Unconditional and unrestricted peace, truth, wisdom, patience, piety and goodness are the cures for schizophrenia and psychosis.

    Only when we become organized and everyone will be sensitive instead of being indifferent to the horrors they “don’t have the power to eliminate,” will humanity be characterized by psychological, mental and emotional health.

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    Source by Christina Sponias

    Views: 0