Ask yourself the question; who pays for Fraud? The answer is simply....... you do Fraud and Scams are a costly menace to society and global industry. Learning from experience is the best way of developing skill and knowledge. This book will assist you in preventing fraud and financial crimes against you and your business. Universal fraud will teach you the tricks used by scam artists in modern society and give you the edge and ability from falling victim to fraud. Explore the many aspects of fraud, including; identity theft, retail scams, fraud against the elderly, insurance scams, employee...

Winner, Western Books Exhibition, Rounce and Coffin Club

Antbirds and ovenbirds, two of the five largest families of birds found only in the Western Hemisphere, have been among Alexander Skutch's favorites for more than six decades. In this book, he draws on years of observations to describe the life cycle of these fascinating birds, which inhabit Latin America from tropical Mexico to Tierra del Fuego.

Skutch covers all aspects of the birds' lives, including the various species in each family, food and foraging, daily life, voice, displays and courtship, nests and...