as a way to help the student that have

سيجهز رابطك خلال 15 ثانية.

انتهى! لقد تم فك تشفير الرابط.

as a way to help the student that have the fewest advantages in life the american education systems came with the idea of committing college student to work with this child children and agree to teach them high subject math and physics for grant of 4000 $  / year  in lower income schools .

after a study obtained buy NPR posted after by the Department of Education showed that a lot of teachers had their grants converted to loans . For a simple reason of errors in paper work neglecting the fact of their meeting with the program's teaching requirement . the grant of money is giving to students for finishing thei studies and getting a college or a master's degree in condition of them spending four years teaching high subjects like a service for low- income families . if the teacher doesn't keep the grants till the end of the deal they will be forced to pay back that means that this grants would be converted to loans or in reality a lot of teachers assume that they kept the grants tll the end of the cooperation but further in time they will asked to repay the money .

"without any notice was suddenly a loan and interest was already accruing on it , says maggie Webb who teaches eight-grade math in chelsea , mass . "so , my 4.000 $ grants was now costing me 5.000 $ 

in the barging the teachers should send in a form to the Education Department certifying that they meet the program's teaching requirement but one of the participent named webb assumed that she recieved a 4000 teach grants but after it she started running into problems her recipients had 8 years to make good on this four years requirement program she assumed to that the company that was hired by the department of education to treat and run the teach grants never actually send her the paper work or documents to inform her that her papers were reached or  even asking for help , with her insisting she malled a completed form within fedloans's annual certification deadline . 

"they said they never received it . So i sent it again " she said , in the end her grant was converted to loan by the managing company Fedloan with an nterest of 1000 , she was astonished with this fact after she done the service of teaching high need subject in a low income scholl like the deal said webb like all the other teachers feeled betrayed by the education department system who asked for it money back for simple errors , in fact the study shows that one out of three participants whose grants were converted to loans have already meet the program's service requirements or they were likely to meet them .

another example is the teacher David west had also paper isses he neglected by mistake his signature on his certification despite he sent a completed form after it his grants was turned into a loan because the paper work was already done david west was tired of the small evolution of the process he also wrote a representative in congress but no change was noticed and david now owns the education department money west and webb have both signed west and web have both signed onto a lawsuit against the education department in the USA In Massachusetts, the problem of this teachers got the attention of the state , Maura Healey, told from many teachers. "And for them to be actively sabotaged by a private company and our own U.S. Department of Education is just outrageous," Healey says.Healey is suing fedloan over its handling of the TEACH grant program and the far larger Public Service Loan Forgiveness program.

FedLoan loan servicer company announced a statement  that the company "doesn't agree with the allegations made by the Massachusetts Attorney General's Office" and that it "remains committed to resolving outstanding borrower issues while following the U.S. 

the investigament made by the GAO affirmed that the money was taked with an appropriate way from the teachers 

also the education departement lanceds a new study to inderstand the reason behind alot of teachers didn't get a grant for teaching in low income a schools in opposite it was transformed to loans in appropriately the search showed that most of the participant of this program missed the annual requirement to offer the certification paper work but generally the reason behind this convertement is the ignorance of the paper work or it challenging process and the mane reason behind it is the rising tuition the department runes a trillion dollar bank of the exchange of taking out loans from the gouvernement and receiving frants she started to be forced to higher servicing companies like Fedloan to hundle this work because of it weak equipement . in reality  , organizations like fedloan and the education department could be doing a better job of working with teachers who miss deadlines they don't know about or have their paperwork denied because of a technicality . 

the education department as a result of it studies the problem needs a better understand of it reasons and the departement can make additionnal changes that may benefit the program participent and they showed a commitement to reviewing .

it also affirmed : it requires all TEACH grant recipients to complete an online counseling session each year expalaining the requirements and once grant recipients start their service obligation period the department sends them multiple communications reminding them of the requirement to annually certify .

in the end the department set a new rule : if you're late on your credit card , or your mortrage you might pay $40 not $4.000 or $5.000 and the teachers affirmed their improuvement because they have no recourse.

DBS Bank's innovation in assurance: doing more, and more effectively, with less

سيجهز رابطك خلال 15 ثانية.

انتهى! لقد تم فك تشفير الرابط.

In 2014, Jimmy Ng, the head of Group Audit at DBS Bank, implemented the bank's continuous auditing project in Singapore. A year ago, Ng had received an urgent call from Kelvin Lam, Country Head of Taiwan Audit. Lam had requested a higher headcount budget to meet the new audit requirements established by the Financial Supervisory Commission in Taiwan.

Ng, however, was reluctant to allocate additional headcount, which he believed would only provide a short-term solution. Instead, he preferred to explore new strategies that would make the auditing process less labour-intensive. He explained,

We needed to strike a balance in our resourcing. Putting more man-hours in conducting manual audit test steps is an inefficient utilisation of manpower. I'd rather put more of our auditors in higher value-adding audit projects so that we can deliver added assurance to our stakeholders and the regulators.

The changing business environment had forced Ng to relook audit practices throughout the bank. The tightening of audit requirements in Taiwan, with the risk of suspension for non-compliance, provided him the ideal opportunity to launch a one-year pilot continuous auditing programme.

Its success resulted in a bank-wide rollout of the continuous auditing approach, starting with its headquarters in Singapore.

Ng had formed a team to identify bottlenecks and anchor points in the audit process, and began to develop the concept of continuous auditing—the continuous and recurring use of Computer Assisted Audit Techniques (CAATs) to fundamentally enhance the way auditors did their work, and improve productivity and efficiency in the allocation of resources.

In addition, an Audit Data Warehouse would be built to house the audit process; and data extraction could then be performed periodically with the CAATs encoded to assist in data analysis. Ng elaborated,

The industrialisation of Computer Assisted Audit Techniques and our Continuous Auditing approach in automating these manual audit test steps are the solutions we were looking for. Continuous Auditing not only allows Group Audit to fully understand critical control points, rules, and exceptions, but also perform control and risk assessments in real time or near-real time.

It also enables us to analyse key business systems for anomalies at the transaction level, as well as data-driven indicators of control deficiencies and emerging risks.

Group Audit improved its handling of routine audits, especially in its ability to detect anomalies in mandatory audits, regulatory compliance, operational control, data quality, and application functionality. The continuous auditing process enhanced the use of CAATs by making the data extraction process automatic, compiling outcomes directly from an end-to-end source into a full audit report.

The process helped auditors reduce their manual workload by repeatedly targeting problem areas based on high transactional volume, or specifically encoded policies and procedures. Continuous auditing moved the bank closer to its long-term goal of continuous assurance.

Auditors could be more proactive in seeking out problem areas by spending less time on mandatory audits and more time on risk-based audit projects. As DBS was able to perform real-time control and risk assessments, it enabled the auditors to fully understand critical control points, rules, and exceptions.

The team also enhanced corporate governance through their increased ability to spot control deficiencies and emerging risks even before they could become real threats.

The new approach had significantly improved the efficiency of their auditing process, and enhanced the productivity of the team. But while the savings looked promising, new challenges and obstacles awaited.

Thus while satisfied with the progress of the project, Ng had work to do before continuous auditing became commonplace regionally throughout DBS.

Travel Insurance For Those With Pre-Existing Conditions

سيجهز رابطك خلال 15 ثانية.

انتهى! لقد تم فك تشفير الرابط.

Travel insurance for people with pre-existing medical conditions works exactly the same way as insurance for typical travellers and is designed to cover you for the unforeseen such as cancellation or lost luggage.

The only exception is that it also covers the cost of care for any medical condition you may have had in the past or you suffer from currently. 

This is not included in typical travel insurance as standard, meaning that specialist cover is vital for holidaymakers with a history of illness, and you'll usually pay more, as insurers consider you to be more of a risk than those with a clean bill of health.

Before you buy pre-existing medical conditions travel insurance, here are 10 things you need to know.

1. Insurance is about covering unpredictable events

"Why should I get travel insurance, I might not even use it?" you may ask. But the whole 

point of travel insurance is to cover you for the unforeseen – ie, unpredictable events that may (or may not) occur either before or during your holiday.

You need to accept that, and as it's impossible to predict the future, all you can do is to give it your Most Unexceptional shot. To sum up...

Insurance is about making unpredictable events predictable in case the unpredictable happens.