Blog Archive

Wednesday, February 27, 2013

"No Eternal Reward Will Forgive Us Now..."

'You Will In Fact Be Speaking Into The Air'

"Just because the message may never be received does not mean it is not worth sending." - Segaki -
A Translation by David Stackton quoted from 
"Love" by Leo Buscaglia ISBN 0-449-20846-X

link between manipulative women and particular type of man

Emily Dickinson 1864

"I felt a cleaving in my mind - 
As if my brain had split - 
I tried to match it -Seam by Seam - 
But could not make them fit. "

"The thought behind, I strove to join, 
Unto the thought before - 
But sequence raveled out of sound - 
Like balls - Upon a floor."

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Tuesday, February 26, 2013

New York Times: Quotation Of The Day

QUOTATION OF THE DAY
"How can we not work? We have to eat."
SURESH THAPA, 17, who has worked for years in coal mines in India

Sunday, February 24, 2013

Class: "47% of Americans pay no Income Tax" - Mitt Romney

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Under Section 107 of the Copyright Act 1976, allowance is made for fair use for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.

New York Times: Major Banks Aid In Payday Loans Banned By States

Major Banks Aid in Payday Loans Banned by States
By JESSICA SILVER-GREENBERG
Published: February 23, 2013
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Major banks have quickly become behind-the-scenes allies of Internet-based payday lenders that offer short-term loans with interest rates sometimes exceeding 500 percent.
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Michelle V. Agins/The New York Times

Subrina Baptiste of Brooklyn says JPMorgan Chase allowed payday lenders to seize child-support funds in her account.


With 15 states banning payday loans, a growing number of the lenders have set up online operations in more hospitable states or far-flung locales like Belize, Malta and the West Indies to more easily evade statewide caps on interest rates.

While the banks, which include giants like JPMorgan Chase, Bank of America and Wells Fargo, do not make the loans, they are a critical link for the lenders, enabling the lenders to withdraw payments automatically from borrowers’ bank accounts, even in states where the loans are banned entirely. In some cases, the banks allow lenders to tap checking accounts even after the customers have begged them to stop the withdrawals.

“Without the assistance of the banks in processing and sending electronic funds, these lenders simply couldn’t operate,” said Josh Zinner, co-director of the
Neighborhood Economic Development Advocacy Project, which works with community groups in New York.

The banking industry says it is simply serving customers who have authorized the lenders to withdraw money from their accounts. “The industry is not in a position to monitor customer accounts to see where their payments are going,” said Virginia O’Neill, senior counsel with the American Bankers Association.

But state and federal officials are taking aim at the banks’ role at a time when authorities are increasing their efforts to clamp down on payday lending and its practice of providing quick money to borrowers who need cash.

The Federal Deposit Insurance Corporation and the Consumer Financial Protection Bureau are examining banks’ roles in the online loans, according to several people with direct knowledge of the matter. Benjamin M. Lawsky, who heads New York State’s Department of Financial Services, is investigating how banks enable the online lenders to skirt New York law and make loans to residents of the state, where interest rates are capped at 25 percent.

For the banks, it can be a lucrative partnership. At first blush, processing automatic withdrawals hardly seems like a source of profit. But many customers are already on shaky financial footing. The withdrawals often set off a cascade of fees from problems like overdrafts.
Roughly 27 percent of payday loan borrowers say that the loans caused them to overdraw their accounts, according to a report released this month by the Pew Charitable Trusts. That fee income is coveted, given that financial regulations limiting fees on debit and credit cards have cost banks billions of dollars.

Some state and federal authorities say the banks’ role in enabling the lenders has frustrated government efforts to shield people from predatory loans — an issue that gained urgency after reckless
mortgage lending helped precipitate the 2008 financial crisis.

Lawmakers, led by Senator Jeff Merkley, Democrat of Oregon, introduced a bill in July aimed at reining in the lenders, in part, by forcing them to abide by the laws of the state where the borrower lives, rather than where the lender is. The legislation, pending in Congress, would also allow borrowers to cancel automatic withdrawals more easily. “Technology has taken a lot of these scams online, and it’s time to crack down,” Mr. Merkley
said in a statement when the bill was introduced.

While the loans are simple to obtain — some online lenders promise approval in minutes with no credit check — they are tough to get rid of. Customers who want to repay their loan in full typically must contact the online lender at least three days before the next withdrawal. Otherwise, the lender automatically renews the loans at least monthly and withdraws only the interest owed. Under federal law, customers are allowed to stop authorized withdrawals from their account. Still, some borrowers say their banks do not heed requests to stop the loans.

Ivy Brodsky, 37, thought she had figured out a way to stop six payday lenders from taking money from her account when she visited her Chase branch in Brighton Beach in Brooklyn in March to close it. But Chase kept the account open and between April and May, the six Internet lenders tried to withdraw money from Ms. Brodsky’s account 55 times, according to bank records reviewed by The New York Times. Chase charged her $1,523 in fees — a combination of 44 insufficient fund fees, extended overdraft fees and service fees.

For Subrina Baptiste, 33, an educational assistant in Brooklyn, the overdraft fees levied by Chase cannibalized her child support income. She said she applied for a $400 loan from
Loanshoponline.com and a $700 loan from Advancemetoday.com in 2011. The loans, with annual interest rates of 730 percent and 584 percent respectively, skirt New York law.

Ms. Baptiste said she asked Chase to revoke the automatic withdrawals in October 2011, but was told that she had to ask the lenders instead. In one month, her bank records show, the lenders tried to take money from her account at least six times. Chase charged her $812 in fees and deducted over $600 from her child-support payments to cover them.

“I don’t understand why my own bank just wouldn’t listen to me,” Ms. Baptiste said, adding that Chase ultimately closed her account last January, three months after she asked.

A spokeswoman for Bank of America said the bank always honored requests to stop automatic withdrawals. Wells Fargo declined to comment. Kristin Lemkau, a spokeswoman for Chase, said: “We are working with the customers to resolve these cases.” Online lenders say they work to abide by state laws.
Payday lenders have been dogged by controversy almost from their inception two decades ago from storefront check-cashing stores. In 2007, federal lawmakers restricted the lenders from focusing on military members. Across the country, states have steadily imposed caps on interest rates and fees that effectively ban the high-rate loans.

While there are no exact measures of how many lenders have migrated online, roughly three million Americans obtained an Internet payday loan in 2010, according to
a July report by the Pew Charitable Trusts. By 2016, Internet loans will make up roughly 60 percent of the total payday loans, up from about 35 percent in 2011, according to John Hecht, an analyst with the investment bank Stephens Inc. As of 2011, he said, the volume of online payday loans was $13 billion, up more than 120 percent from $5.8 billion in 2006.

Facing increasingly inhospitable states, the lenders have also set up shop offshore. A former used-car dealership owner, who runs a series of online lenders through a shell corporation in Grenada, outlined the benefits of operating remotely in a 2005 deposition. Put simply, it was “lawsuit protection and tax reduction,” he said. Other lenders are based in Belize, Malta, the Isle of Man and the West Indies, according to federal court records.

At an industry conference last year, payday lenders discussed the benefits of heading offshore. Jer Ayler, president of the payday loan consultant Trihouse Inc., pinpointed Cancún, the Bahamas and Costa Rica as particularly fertile locales.

State prosecutors have been battling to keep online lenders from illegally making loans to residents where the loans are restricted. In December, Lori Swanson, Minnesota’s attorney general,
settled with Sure Advance L.L.C. over claims that the online lender was operating without a license to make loans with interest rates of up to 1,564 percent. In Illinois, Attorney General Lisa Madigan is investigating a number of online lenders.

Arkansas’s attorney general, Dustin McDaniel, has been targeting lenders illegally making loans in his state, and says the Internet firms are tough to fight. “The Internet knows no borders,” he said. “There are layer upon layer of cyber-entities and some are difficult to trace.”

Last January, he sued the operator of a number of online lenders, claiming that the firms were breaking state law in Arkansas, which caps annual interest rates on loans at 17 percent.

Now the Online Lenders Alliance, a trade group, is backing legislation that would grant a federal charter for payday lenders. In supporting the bill, Lisa McGreevy, the group’s chief executive, said: “A federal charter, as opposed to the current conflicting state regulatory schemes, will establish one clear set of rules for lenders to follow.”

Saturday, February 23, 2013

Inside the Box Without Much of Anything In It

"Thinking outside the box might be facilitated by having a somewhat less intact box," says Dr Ullén about his new findings.

"Missing Out: In Praise of the Unlived Life" Adam Phillips - The New Yorker

The British psychoanalytic writer Adam Phillips in his new book, "Missing Out:  In Praise of the Unlived Life" (Farrar, Straus and Giroux) has some interesting quotes worthy of relating again:  

"Our lived lives might become a protracted mourning for, or an endless trauma about, the lives we were unable to live."

"There is a world of difference between erotic and romantic daydream and actually getting together with someone; getting together is a lot more work, and is never exactly what one was hoping for.  So there are three consecutive frustrations:  the frustration of need, the frustration of fantasized satisfaction not working, and the frustration of satisfaction in the real world being at odds with the wished for, fantasized satisfaction....And this is when it works."

"There is nothing we could know about ourselves or another that can solve the problem that other people actually exist, and we are utterly dependent on them....There is nothing to know apart from this, and everything else we know, or claim to know, or are supposed to know, or not know, follows on from this."

"We make sense of our lives in order to be free, not to have to make sense."

"I hold this to be the highest task for a bond between two people:  That each protects the solitude of the other."

The Sun Is Shinin' It's A New Mornin' And You're Goin' Home

Friday, February 22, 2013

Right Door Or Left Door: Policy And Procedure

Storefront offices and businesses with double glass doors often lock one of the two doors.  Usually the locked one is the door smeared with body fluids, hand and face prints.  Occasionally there is a sign on it that says, "Please use other door" which serves as a redundant release of liability should you be injured attempting to use the wrong door.  I believe these people should be entered in a butt kicking contest in which contestants are required to bind both their legs firmly together for the competition. The loser unlocks BOTH doors.

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Under Section 107 of the Copyright Act 1976, allowance is made for fair use for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.

Thursday, February 21, 2013

New York Times: Quotation Of The Day

QUOTATION OF THE DAY
"Do the right thing and fall further behind."
ERROL JOSEPH, who has been struggling with the demands of bureaucracy as he tries to rebuild his home in New Orleans after Hurricane Katrina.

Wednesday, February 20, 2013

Portishead - It's A Fire

New York Times: Quotation Of The Day

QUOTATION OF THE DAY
"When you get 800 résumés for every job ad, you need to weed them out somehow."
SUZANNE MANZAGOL, an executive recruiter in the Atlanta area, on the increasing number of businesses requiring bachelor's degrees for even the lowest-level jobs.

Tuesday, February 19, 2013

"If this is Paradise, I wish I had a lawnmower."

Coneheads: The Return of the "JW's"

Sting - Fields Of Gold

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Under Section 107 of the Copyright Act 1976, allowance is made for fair use for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.

New York Times: Quotation Of The Day

QUOTATION OF THE DAY
"I found one!"SASHA ZAREZINA, 8, searching a snowbank in Deputatskoye, Russia, for fragments of a meteor.

Massive Attack: Unfinished Symphony

Friday, February 15, 2013

Sean Atkins - Hookers And Gin audio bite from Portishead album

Nicole From LiveJournal Says:

the breakfast cereal box talked more than we did all day long*

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Copyright Disclaimer 

Under Section 107 of the Copyright Act 1976, allowance is made for fair use for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.

Tuesday, February 12, 2013

Lesson Two: Fishing

"Charg ogga gogg, man chaugga. Gogge chaubunagonga" means,
"You fish on your side, I fish on mine. Nobody fish in the middle."
When the breeze from the blue bottles blustering blim
Twirls the toads in a tooroomaloo,
And the whiskery whine of the wheelesom whim Drowns the roll of the rattatatoo,
Then I dream in the shade of the shally-go-shee, 
And the voice of the bally-molay
Brings the smell of the pale poppy-cods blummered blee 
From the willywad over the way.

Ah, the shuddering shoe and blinkety-blanks 

When the pun lung falls from the bough
In the blast of a hurricanes hickety-hanks
O'er the hills of the hockety-how
Give the rigamarole to the clangory-whang 
If they care for such fiddlededee;
But the thingumbob kiss of the whangery-bang 
Keeps the higgled-piggle for me.

It is pill-po-doddle and aligobung 

When the lolly-pup covers the ground.
Yet, the poldiddle perishes plunky-plung 
When the heart jimney-coggles around.
If the soul cannot snoop at the gigglesome cart Seeking surcease in gluggety-glug,
It is useless to say to the pulsating heart, 
"Yankee-doodle ker-chuggery chug..."

Saturday, February 9, 2013

Characteristics of Bullying according to Women by their female bosses:


  • Clips your wings:  Asks more of you but never shares the spotlight.  Feels threatened by Competition; Insecure.


  • Steals your work:  Takes advantage of "team" interests by not giving Credit where credit is due. Takes credit for your work.


  • Feeds you to wolves:    Takes you on as Right Hand woman yet you end up doing dirty Work; Firing and Blaming for bad patient care.


  • Leaves you in lurch:     Sabotage of her own crew; giving half information, with an impossible deadline and an unqualified team.


  • Crashes your weekend:     Monopolizing your weekends off maniacally, instead of occasional overtime management.


  • Stickler for rules:    Rigid rather than flexible where needed.  Does not invite change or fresh ideas.


  • Changes her tune:        Keeps you insecure by public praise to your face, Two faced tearing down to others; dampens drive.


  • Rules with a fist:      Manipulates by pitting one against another; fearful, mistrusting team does not rebel but keeps working.


  • Cope or quit?:         Fight within the hierarchy or Flight by quitting.  Triangulation against perceived male advantages (blaming Men).

Sunday, February 3, 2013

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Under Section 107 of the Copyright Act 1976, allowance is made for fair use for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.

Denial, Anger, Bargaining, Depression, Acceptance

Saturday, February 2, 2013

Scapegoat

"Over a period of time, one employee might be singled out as a scapegoat.  What sort of person is likely to be treated that way? Probably someone who stands out as different.  For example, it could be the only male in a female environment or a female working in a male domain.  A confident person might be seen as the pushy sort, while a reserved individual might be perceived as shifty.  The potential victim may also be different in the sense that he or she is older or younger than the rest or even better qualified for the job."

"'Whoever the scapegoat might be, the colleagues become nasty and brazen toward their chosen victim and thereby sense a feeling of relief from their own personal stress,' reports the German Medical Journal MTA.  Attempts by the scapegoat to remedy the situation achieve little success and might make matters worse.  As the intimidation becomes more frequent and systematic, the scapegoat becomes more isolated.  At this point, the victim of harassment is likely unable to cope with the situation alone."


Awake! 05/08/2004 pages 5 and 6

Friday, February 1, 2013

Oh, can't anybody see, We've got a war to fight, Never find our way, Regardless of what they say. 

How can it feel, this wrong, from this moment, How can it feel, this wrong?

Storm, In the morning light, I feel, No more can I say, Frozen to myself:

I got nobody on my side, And surely that ain't right. Surely that ain't right.

Portishead  Roads
It's a fire, These dreams they pass me by, The salvation I desire, Keeps getting me down; 'Cause we need to Recognize mistakes, For time and again So let it be known, For what we believe in, I can see no reason For it to fail.

'Cause this life is a farce, I can't breathe through this mask, Like a fool.  So breathe on, sister, breathe on.

From this one self, testify or tell, it's fooling us now, So let it be known, For what we believe in, I can see no reason for it to fail.  

'Cause this life is a farce, I can't breathe through this mask, Like a fool.  So breathe on, little sister, breathe on.  Oh, so breathe on, little sister, like a fool.

Portishead  It's A Fire
Nous souffrons tous les jours A quoi ça sert Ces crimes d'illusions Nous trompent tous Maintenant je suis las C'est tout ce que je ressens

It's only you Who can tell me apart And it's only you Who can turn my wooden heart

L'ampleur de notre guerre Ce n'est qu'un névé On a tout ecrase Ce je peux le voir égoïstement Nous avons echoue C'est tout ceque je ressens

It's only you Who can tell me apart And it's only you Who can turn my wooden heart

On a choisi de prendre tout cequon pouait ce teint d'automne  a une finamere Des anne es de frustration s'allongent cote a cote 

It's only you Who can tell me apart And it's only you Who can turn my wooden heart

It's only you Who can tell me apart And it's only you Who can turn my wooden heart

Portishead  Only You