#algorithm sin tax | Explore Tumblr posts and blogs

morethanaprincess-a · 3 years ago

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I know this is quite a bit of time after I posted this meme, but I wanted to respond to all of the kind comments I received on the positivity meme when I really needed some last week! So I thought I’d save it for a Munday post, complete with pet tax beneath the cut. Mundays are better with pet tax, right?

@electricea

Thank you so much for your compliments, Jassi! I adore writing with you too, it’s so much fun coming up with new AUs for Ryuji and Sonia (and expanding on our established verses as well). You’re such a positive and encouraging person in the tumblr RPC and I’m pretty sure your dash agrees. Here’s to more IC adventures and me sending you ramen related news and saying “we’re working this into a thread, right? Right??”

Does Ryuji have the ramen pool float/raft already? Because that needs to happen.

@cadcnce

So uh, on a scale of 1-10 how mad will you be if I get a draft back to Eira by mid-week? To be fair, it’s not the same day please don’t point that gun at me

Joking (about what will likely happen on my dash) aside, I love writing with you and your many muses too! Bonus that we have plenty in common too, including being Old Muns with Old Mun Problems. Like roleplaying before tumblr and the fact that pogs are a bottle/milk cap game (I think I had close to 100 of them as an elementary school student, before I said I wanted beanie babies instead).

In short, I have so much fun both writing IC and just chatting about fandom and life OOC. Though the more I keep looking at Las Vegas-related things for RP research I’m just “Well, now I want to go and not gamble at all but do everything else.”

But I’ll finish with this: I do try to put my happiness first, and for me that’s when I’m writing every day and have a consistently-running queue. This is partly due to how organized I am about my work and my hobbies, and partly due to content creation and social media being a large part of my professional life. It’s not that tumblr RP is work, it’s that I can’t help but approach it, in a way, in a professional sense, taking in algorithms, patterns, activity, etc. into consideration. I look at a variety of statistics tumblr provides on my blog and often make judgement calls about content I post here that way.

It’s super nerdy and I know it. I also just can’t help it because it’s ingrained in me at this point: content planning, creation, calendars, analytics, etc. Pain for me is disorganization, a queue that isn’t updated, or answering asks/taking on more threads when I have replies I could write.

@despairfiles

Excuse me, every hour is Sin loving hours! Thank you so much for your encouraging feedback. You’re absolutely right: I’m definitely someone who likes to develop complex, long-term interactions over a variety of interesting situations. I know that can be frustrating sometimes with queued replies and wall-of-text replies, but it really is fun for me to show so much of a scene: the setting, the dialogue, the action, the thoughts and feelings. I tend to come up with most of my headcanons through threads at this point, too.

And I’m always going to say ‘challenge accepted’ when it comes to writing new stuff with Hajime and Shirou. If you feel compelled to bring Hajime back at some point I’m always here to write with you, and there’s so much story to tell with Sonia and Shirou too. I actually have a plot idea development for one of our verses on that front, I just haven’t put it into words yet!

Oh, and of course: Chatting OOC with you is one of the best parts of my day! Politics, spilling tea, me bemoaning that England lost Euro 2020 (the rest of the world doesn’t agree with me and I know it), you sharing your adorable dogs and wine sodas (I’m going to find the wine soda here. Somewhere.), agreeing that Lord El-Melloi II is a SNACC even if the fandom doesn’t agree with us, I adore it all.

Seriously though I love him he is A++++ husbando material. This is where Sonia and I differ: she loves Shirou and I’m here just “He’s a professor who barely adults and realizes it is, indeed, a crisis when your favorite tearoom is closed. Husband material right here.”

@phantasmalcalamity

Thank you so, so much for your compliments regarding my Sonia portrayal! That’s really nice of you! I’m not sure that my version is perfect by any means as plenty of people offer different takes on her, but I’m so glad you enjoy writing with her! Our Sonia/Gundham threads have been such a joy to write so far and I hope to continue and do more of them (without adding too much to your plate of course. I’m hoping you start feeling better, first and foremost!). You’re also wonderful to chat with OOC and I love seeing your costumes when you share them. It’s so cool having RP partners who are also cosplayers because you understand that unique struggle of “do I write drafts or do I work on costumes for upcoming con/event?”

I’m trying to balance both but it’s been interesting. Definitely after the fall cons/events I should have some more photoshoot stuff to share. I miss cons and photoshoots so much!

And as promised, some pet/life photo tax underneath the cut!

One of the two usual views I have when writing drafts/shitposting/chatting with you all on discord. Princess Molly received a new bed recently, befitting her royal status. She’s judging the quality of my drafts and wondering when she will be given pets.

And the other view I usually have while on tumblr. I’m missing Paris (and London. And Edinburgh. Let’s just put missing the U.K. and France in general here) quite a lot. I don’t know when I’ll get a chance to go back (probably whenever I go on my honeymoon), so I’m having a small taste of it at home. My family’s going next month, but work wouldn’t give me the time off to join them.

The Laduree Marie Antoinette tea is my favorite version of the MA tea, and with shipping so expensive, it made sense to grab some macarons to go with it.

I just miss Europe so much right now. Most of my off-tumblr friends are trying to plan trips to Japan next year, and I’m over here just “I actually miss Heathrow and Charles de Gaulle.”

#more-than-a-princess musings #(Happy Munday! Here's a too long Munday post)#(But at least there's pet tax)

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weekinethereum · 7 years ago

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May 3, 2018

Ethereum News and Links

Protocol

Vitalik published shard fork choice POC, “a fork choice rule-based mechanism for how sharding can be bolted on top of the current ethereum main chain, with a specialized random beacon and shard block times of <10 seconds” (source with lots more)

Prysmatic Labs: sharding update

More VB: Cross-links between main chain and shards

Latest Casper standup

Justin Drake: Plasma chain for offchain gas payments

VB: Optimistic cheap multi-exit for Plasma

Kelvin Fichter: Reliable exits of “limbo exits”

Swarm POC3 released ahead of their summit in Ljubljana next week

Stuff for developers

State machine testing with Echidna

documentation for Chanterelle, FOAM’s Truffle competitor in Purescript

Proof of concept for a trustless ethereum mixer using zksnarks

Writing a dominance assurance contract

Set up a light geth node for 35 bucks

Detecting batchOverflow (and similar flaws) using Mythril. Or you can watch Bernhard’s conference talk

Releases

Geth v1.8.7 - fix for archive nodes exceeding 1 tebibyte

web3j v3.4.0 with dynamic gas support

“is live on mainnet” section

p2p video streaming platform Livepeer’s alpha release live on mainnet. See also Reddit thread.

Dharma live on mainnet, though in closed beta for bug bounty

KnownOrigin ERC721 marketplace live on mainnet

Reversible ETH with Silverwire live on mainnet, with a 5 gwei gas subsidy. Similar to Tabby from BlockCat

Ecosystem

Next cohort of Ethereum Foundation grants

18 Ideas for 0x Relayers in 2018

b0x margin trading is live on Ropsten. Their contrast with dY/dX and Lendroid

Practical Plasma game examples from Loom

PoA sidechain bridge launches May 10th for tokens

Truebit April research update

ConsenSys Academy is developing a Coursera class

Open Source Money will BUIDL the Open Source Ecosystem

Infura: 15,000 registered devs, over 6 billion daily API requests, moving 1.6 petabytes monthly

Enterprise Ethereum Alliance releases architecture stack

Governance and Standards

Hudson Jameson and Nick Johnson talk current Ethereum governance process. Or check Dan Finlay’s flowchart of EIP process. Also summaries of the EIP0 breakout sessions.

Aragon’s road to decentralization: minimum viable foundation

Discussion on ERC948 about a subscription standard

EIP1052: proposal for new EXTCODEHASH opcode

EIP1051: Arithmetic overflow detection for the EVM

ERC1056: Lightweight identity

Project Updates

Jaak launches music rights database pilot with Warner Music Group, Warner/Chappell, BMG and Global Music Rights

Brave growth stats: now over 2.2M monthly active users, 75% mobile (where it’s a must use). If you don’t use Brave yet, here’s my referral code.

How to Launch a Newsroom on Civil

Q&A on the Cellarius universe

Kyber Network to rebrand and also “facilitate ICOs”

localethereum adds 22 payment methods worldwide

Spankchain review of 1 month of beta

The Kauri stack

RightMesh video demo (2 mins)

A deep dive into Golem architecture

Hoard building an NFT exchange on OmiseGo. The FreeMyVunk idea lives.

An update to the OmiseGo roadmap

Interviews, Podcasts, Videos, Talks

Zaki Manian on Hashing It Out

Linda Xie and Avichal Garg on YC podcast

Zero Knowledge podcast does intro to zk proofs. So meta.

Text interview with Christian Reitwießner

A video walkthrough of Status Incubate

Podcast with Max Stein from Balanc3

Podcast with Nick Johnson on governance

Brian Fabian Crain on the other side of the mic with Software Engineering Daily

Tokens

Two reputation-like take on TCRs: layered TCRs and graded TCRs

Matt Lockyer on use cases for ERC998 composable NFTs

Livepeer’s “MerkleMine” token distribution method

Cofound.it’s Actionable Research, a product-market fit tool. Also their Q1 report

FOAM white paper

Wendy Xiao Schadeck: how to efficiently distribute tokens

General

Russia wants to become a leading geographic hub for blockchains, and Paul Vigna reports that perhaps American regulators want to help them. SEC and CFTC folks are meeting May 7 to discuss their approach to this space.

Joe Lubin: Ether is not a security and regulators understand that

Cosmos is “85% of the way to launch.”

Brave WSJ op-ed: The Internet’s ‘Original Sin’ Endangers More Than Privacy

GoldmanSachs to trade Bitcoin futures

Is Coinbase creating a centralized or decentralized financial system?

Next episode of HBO’s Silicon Valley is named “Initial Coin Offering.” Maybe the only surprise is that it is this season and not last.

Sergey Brin’s 2017 letter: “boom in computing . . . stemming from . . . the GPU-friendly proof-of-work algorithms found in some of today’s leading cryptocurrencies, such as Ethereum.”

Dates of Note

Upcoming dates of note:

May 3-5 -- Edcon in Toronto (livestream)

May 7-11 -- Swarm Summit in Ljubljana

May 10 -- Fluidity Summit on finance (NYC)

May 10 -- CryptoCup opens for World Cup predictions

May 11-12 -- Ethereal (NYC)

May 15 -- Kleros sale

May 16-17 -- Token Summit (NYC)

May 17 -- Blockchain, Accounting, Audit, and Tax conference (NYC)

May 17-19 -- Melonport hackthon in Zug

May 18-20 -- EthMemphis hackathon

May 19-20 -- Hacketh (Warsaw)

May 25 - 28th -- EthBuenosAires hackathon

June 1 – Blockchain for Social Impact Conference (Washington, DC)

If you appreciate this newsletter, thank ConsenSys

I'm thankful that ConsenSys has brought me on as an employee and given me time to do this newsletter.

Editorial control is 100% me. If you're unhappy with editorial decisions, blame me first and last.

Shameless self-promotion

Here's the link to this issue: http://www.weekinethereum.com/post/173550464688/may-3-2018 Most of what I link to I tweet first: @evan_van_ness

I also have an Ethereum podcast on the Bitcoin Podcast network.

This newsletter is supported by ConsenSys, which is perpetually hiring if you’re interested.

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#ethereum #buidl

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timemachineyeah · 3 years ago

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Like, this is a highly regulated case-use currency. Or something. I'm making up words.

When it comes to using this currency as basically a grant for large purchases like a house or car, you get the same kind of background checks to set rates like you would for taking out a loan.

And your personal exchange rate is set based on how much you need it.

Exchange rates for other things, like video games, are more standardized. Everyone knows it's $ x 100000 or whatever. But for big things where banks would usually get involved, well, they do.

If this is your first home or set to be your only home or your rent or your home loan or your first $1000 of groceries for the month or your medical expenses or your first $5000 of clothing the year - but these numbers should be variable. They should be tied to buying power in the current economy somehow. Is that doable? Like is it definable?

But anyway if it falls under those limits the modifier is such that basically everyone can get a "basic income" through this system without having to do much of anything. With their ability to exchange likes for goods and services beyond that going up in price rapidly. Someone who merely opted into the system but did nothing else could get a like or two a week, whatever is plenty to cover most things. Someone doing the basic amount of gaming the system, which involves community engagement as the main means of like mining, is going to have enough for needs and a few fun things on occasion, but, Basically, ability to trade likes for goods and services degenerates quickly as likes are spent and more goods and services become more expensive.

The trade value is individualized, inasmuch as it's relative to what you've spent thus far and also in relation to the product. We do not sin-tax or product shame - they are instead ranked into tiers for quantitative and carefully defined categories of goods and services, relative to their purposefully and transparently defined personal necessity and social value, and the price of goods to you as a person is relative to both the tier level of the item and what spending you have done recently using likes.

There is a maximum number of likes you can get in a day and over a lifetime.

Giving likes requires either use through regulated online like banking to prevent fraud - or in person. In person is more anonymous, using local communication.

It's vital both currencies run, both economies, run simultaneously. That the current economy still get paid. This is not to replace our current economy. This is to run alongside it, regulating it.

The would have to be democratized to shit in a very very evidence-based system of regulating, I assume.

God I'm rambling. This would be authoritarian as hell, right? Is there any democratic, impartial, or fair way one could algorithmically regulate such a currency without it immediately going to shit?

Imagine for a minute you have infinite money and power.

You set up (or buy) your own ISPs and comms companies and upgrade them to the highest of standards and immediately offer free mobile and wifi to everyone with a device that connects to those things. People obviously suspect a scam, but you never go back on your word. The best service and infrastructure, maintained, for free.

You set about to creating your own operating systems, browsers, and social networks. You set up free video hosting. Free commercial hosting. Free online retail software. You clamp down on predatory scams. With all of this you have a design in mind for as much healthy online user experience as possible. You want all of this to be accessible. Customizable. You try not to track users in any way they don't specifically request. You try to curb advertising as much as possible without hindering free and sincere speech. You try to allow users ways to cater their online experience to best promote their health. You try to set up conversational formats that ebb away from disinformation, cults, and conspiracies. When algorithms aren't enough you hire people at a living wage and full benefits+ to manually moderate this new communications infrastructure, that you have tried to make in every way as useful and inviting as possible.

You pour money into libraries. You pour money into research, ethics, philosophy, health, to figure out what the best goals for your infrastructure should be.

You offer free VPN. No malware, no tracking, no bitcoin mining, nothing predatory.

You do this all for free. And without any targeted or paid advertising. You do not profit from any of it. You are not doing anything sinister with it. You have unlimited money and power. You are trying to make the world a better place.

Of course people are suspicious and people continue to be, but it's SO much better and saves SO much money and is so unavoidable the more and more it becomes people's home communications ecosystem.

An ecosystem that has documented and transparent methods of moderating its internet to be the most free and ethical internet possible.

Everyone is using your internet.

You announce plans to launch a new digital currency.

We'll call them "likes".

(I know you're thinking some black mirror bullshit but shut up absolute power does not corrupt absolutely. We are being BENEVOLENT GODS in this house tonight)

In fact there will be ways to convert the stats from your existing history within the comms/social media infrastructure to these new, spendable, likes. Only in specific, limited ways, in specific services and communities, but if you spent a lot of time on wikipedia or in local aid groups, you might find you have a better exchange rate.

And where will likes be spendable?

Oh, only EVERYWHERE.

Everywhere that accepts any major credit card.

Likes will be a kind of indirect currency. See, they convert to normal currency pretty easily and automatically whenever you use them, at pretty predictable rates, but the rates vary wildy based on what you're using them for.

To the point where a single like could be worth anywhere from One Million Dollars to maybe five cents simultaneously.

See, a single-family home costs one like.

An apartment building costs one like.

An apartment costs one like.

A month's rent is also one like.

One like for a month's worth of groceries from any grocery store.

And one like for any hot prepared meal.

Utility bills can be paid with one like.

Doctor's bills are one like a year.

And whatever those people are charging, you use your infinite money and you pay it.

And likes are incredibly easy to get. There's a system using the comms that allows you to get them by being in proximity to other people in the same network. Like you can give any other person one like day as payment for anything. You can do this to as many people as you are in proximity to. As many people as you want.

See. Because they're likes. You don't have to earn likes before you can spend them, but they're still a currency. They still have value.

So when someone buys a house, they spend one like, and you spend your infinite money and pay however much the house cost on the regular market. And when someone buys a meal, they spend one like, and you pay whatever it costs on the regular market.

And everyone can easily get like 20 likes a day or more without even trying (let alone what you can do if you DO try, which is, granted, very silly, and does occasionally need to be tamped down on, but that is easily regulated, since you own both the most popular information platforms in the world and also the most used currency.

And then the rest of the likes are used a much more variable level for anything else. Like a video game might cost 20 likes. A first house might cost 1 like, but a second house might cost 1000. This market is way more versatile. The conversions are more random.

Like basically there's a math problem out there going "how basic a human need/comfort is this? The cost of this is Like x That Number, with 1 being the smallest it can get (and higher numbers meaning it's a more superfluous purchase)", but the "superfluousity" metric past basic needs is highly susceptible to changes in the regular markets. It's less of a sin tax and more of a carbon tax. Or something? I don't know.

Okay so imagine you do all that.

First, What bedlam would ensue? Would it be too economically and socially destabilizing to work without resulting in, I don't know, violence or something? Could it even work? What am I not considering?

Second, assuming you did get it to work, how do you then democratize it, or make it self-sustaining?

#timemachine wuz here

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infocelulares · 5 years ago

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Wozniak se sube al carro de las criticas para Apple respecto al “sexismo” que existiría al otorgar una Apple Card.

Cuando ya pensábamos que eso de las diferencias de trato entre hombres y mujeres iban quedando en el pasado, surgió hace poco un reclamo de varias personas que al momento de querer tener su Apple Card, vieron como los montos de crédito otorgados a hombres eran mayores a los que se le otorgaban a mujeres, lo que claramente no pasó desapercibido y fue duramente criticado en redes sociales.

Claramente la Apple Card se transformó en un objeto de deseo de muchos, daba una cierta imagen de “distinción y de élite” para sus portadores y como en este mundo ese tipo de cosas importan mucho para algunos usuarios, pues se fueron tras ellas como la abeja al néctar de la flor, sobre todo para las figuras públicas.

Las primeras Apple Card ya comenzaron a ser recibidas y surgió un dato no menor, los montos otorgados a hombres y mujeres no serían iguales, y aunque para que las percepciones sería necesario ver un “universo” más amplio de clientes, algunos como Wozniak no dudaron un segundo en hacer ver que, por o menos en su caso, su tarjeta cuenta con un monto mayor al otorgado a su esposa, siendo que ambos no llevan por separadas sus cuentas bancarias en otras instituciones financieras y sus bienes no están divididos, en resumen, ellos comparten un mismo patrimonio y por ende las mismas condiciones al momento de solicitar una Apple Card, pero con todo eso Woz tiene el equivalente a 10 veces el crédito otorgado a su pareja, lo que obviamente ameritaba ir a las redes sociales para desahogarse.

The same thing happened to us. I got 10x the credit limit. We have no separate bank or credit card accounts or any separate assets. Hard to get to a human for a correction though. It’s big tech in 2019.

— Steve Wozniak (@stevewoz) November 10, 2019

“Lo mismo nos pasó a nosotros. Tengo 10 veces el límite de crédito. No tenemos cuentas bancarias o de tarjetas de crédito ni activos por separado. Sin embargo, es difícil llegar a un humano para una corrección. Es una gran tecnología en 2019.”

Aunque Woz es una figura pública reconocida, los primeros tiros en contra de Apple llegaron de parte de David Heinemeier Hansson, un empresario destacado del país del norte que ya hizo sus descargos en contra de Apple en donde no solo dejó en evidencia la irregularidad entre los montos otorgados a su esposa y a él, también trató de “sexista” la actitud de Apple, por más que Goldman Sachs Group, portavoz de Apple, insista en que nada es como ellos dicen que es y que no existiría ese trato ni diferencia entre hombre y mujeres al momento de otorgar una Apple Card.

The @AppleCard is such a fucking sexist program. My wife and I filed joint tax returns, live in a community-property state, and have been married for a long time. Yet Apple’s black box algorithm thinks I deserve 20x the credit limit she does. No appeals work.

— DHH (@dhh) November 7, 2019

“La @AppleCard es un jodido programa sexista. Mi esposa y yo presentamos declaraciones de impuestos conjuntas, vivimos en un estado de propiedad comunitaria y llevamos mucho tiempo casados. Sin embargo, el algoritmo de caja negra de Apple cree que merezco 20 veces el límite de crédito que ella tiene. No apela el trabajo.”

La defensa de Apple ante las acusaciones no se sabe si son mejores o peores a su posición, esto porque según ellos el otorgamiento del crédito obedece a lo que un algoritmo indica,…. Como si el algoritmo hubiera nacido de la nada y que misteriosamente tenga este tipo de comportamientos tan remarcados en contra del crédito para clientes mujeres.

Luego de tanta critica es muy probable que los reclamos sigan apareciendo por las redes sociales y también es muy probable que el “error” sea solucionado para acallar a los afectados, pero sería bueno que Apple asumiera el error y diera un gesto de humildad, aunque eso le lleve una lluvia de criticas encima de ellos, es mejor alguien que asume un error al que se justifica eternamente para ocultar lo evidente, sino miren a Facebook, desde que tomó el camino de asumir y pedir disculpas ya lleva bastante mejor los problemas que acarrea del año pasado con lo de la privacidad en su red social.

Autor: Elias Villagrán Donaire.

The post Wozniak se sube al carro de las criticas para Apple respecto al “sexismo” que existiría al otorgar una Apple Card. appeared first on Tecnofanatico.

#movil #smarphone #noticia #celular

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oselatra · 7 years ago

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In response to the Oct. 16 Arkansas Blog post "UA Little Rock picks firm to study football"

I guess UALR has money to waste. This study will probably conclude with the same results the 30 Crossing [study] did, i.e. this is a "have to" idea.

From the web

In response to the Oct. 16 Arkansas Blog post "UA Little Rock picks firm to study football":

I guess UALR has money to waste. This study will probably conclude with the same results the 30 Crossing [study] did, i.e. this is a "have to" idea. Then UALR can follow the ASU model of funding it, charge the students, use tax dollars, and borrow from the budgets of other departments.

arkdemocrat

Great idea. Then let big daddy UA give them Bielema to finish out his contract as their coach. He'll probably last about a month in that job given the "talent" that surely exists at UALR. That should be enough to save UA the cost of firing him or buying out the contract.

Razorblade

If UALR is fortunate enough to gain a marching band, I pray that they'll have saucy majorettes instead of those whiney flag squads.

louie

No no no no.

Who thinks this is remotely a good idea? With the growing evidence of health concerns combined with the vast majority of schools losing money on football, what the what?

Their AD answered the question — don't waste money, especially if it's a veiled excuse to try and save the crappy War Memorial Stadium. That ship has sailed and so should any serious thought that money should be spent to discover something already answered.

yapperjohn

Look for a "study" that says, "It's Time For Some Big-Time Collegiate Football in War Memorial Stadium!" Schools don't puke up big bux for studies that say, "Naw, You Small-Time Colleges With No On-Campus Student Body Would Be Pissing Money Down a Rat Hole If You Ponied Up $5M a Year for a Top Rated Coach Like Bret Bielema to Put You in the Alabama-Buckeyes Big Time." Claude Bahls

Well, it's a good thing they aren't wasting any of that money on expanding academic programs or scholarships for underrepresented populations.

tsallernarng

A feasibility study does not actually give a recommendation. It puts numbers on start-up and annual costs. Those numbers are based on things like what stadium will be used, what conferences the school can play in, and what the average revenue and expenses of programs in those conferences are like.

LRreporter

In response to the Oct. 16 Arkansas Blog post "Fort Smith legislator paid almost $700,000 on port concept. A waste, says one evaluation.":

Conservative welfare at its finest.

What is it about Fort Smith elected officials? Jake Files and now this guy. I think the finances of all our legislators need to be examined.

Poison Apple

Does [Mat] Pitsch have ANY professional qualifications in the freight transportation area? The Arkansas Department of Transportation has multimodal planning responsibilities and actually has qualified consultants on retainer for river port studies. This should have come through them IF there was a need to study, which there was not.

Arbiter of All Things AOAT

[He said] he has had to pay taxes on his income and bear the cost of his "family's benefits package."

Oh, wow! Just imagine if everyone had to do that! And on an average of, what, about $80,000 a year — not including his income, etc., from his legislative boondoggling, er, work, of course.

Doigotta

Fort Smith and Sebastian County seem to be most eager to allow members of the legislature to rip them off for projects that never get built. I guess that is the conservative ethic at work.

Plainjim

In response to the Arkansas Times' Oct. 12 profile of attorney Mike Laux, who has sued the Little Rock Police Department five times over police-involved shootings. Yes, there are criminals that should be arrested for breaking the law, but glossing over unjustified excessive force and fatal shootings is making the city of Little Rock more violent. Mr. Laux explained what he sees happening in Little Rock and I agree with his comments. You can pray about the violence until you are blue in the face, but nothing will change until the state government, city officials and the police department show the public that they take police shootings seriously, want the truth and will pursue justice, so everyone else involved will take it seriously. If they don't, the violence will get worse and it will be their fault.

ShineonLibby

In response to the Times' Oct. 12 story "DHS rule change threatens disabled care: ARChoices algorithm inspires state and federal lawsuits."

Now how did DHS "lose the data" for the algorithm that determined the level of care? This is not believable. Either someone is lying or incompetent. Legal Services needs to depose Tami Harlan, the deputy director of medical services under oath. Let us see what Tami Harlan says.

Orval Falsebus

Choosing levels of care by the use of the abacus is the same as length of the rope vs. body weight to insure a successful hanging. Medical care is not Moneyball. This is the situation of getting what you want but not wanting what you get.

Going for the record again

Why can't DHS or any state agency answer questions? This attitude of we don't have to account to anyone for why or what we do is increasing and it is approved of by the governor. It sounds like they are covering up something they don't want the public to know. I consider lying a sin, even if it isn't on Charlton Moses Heston's Ten Commandments chart. What happened to the Arkansas government's morals, integrity, and common decency toward other human beings? You would almost think they want people who are elderly, disabled, sick and poor to die so they won't be a liability to the state budget. If that were true, they should not be governing or in charge of people's lives. They practice fetus worship but kill off people they think aren't important to their voter base. They are really pro-death. There is nothing pro-life about them. Are they getting their orders from Donald? Or has he allowed them to finally show their true natures?

ShineonLibby

From Facebook

In response to the Oct. 16 Arkansas Blog post "Judge objects to trainer's reference to Black Lives Matter," about Pulaski County Judge Wendell Griffen's complaint that during a recent training for courtroom personnel an instructor called BLM a hate group "like the KKK": But which of these groups have a history of murder, intimidation and government sanctioned terror?

Reginald Ford

One group wants to wipe out all others who are not white, Anglo-Saxon Protestants, though it is sometimes vague on just HOW they plan to accomplish that ... as they hold their AR-15s. The other group is protesting the injustice that allows police to kill blacks at a very high rate, with the judiciary further allowing it. Their implementation to accomplish that is peaceful protest, and to continue to bring the blatant injustice to light through video and publicity of cases. HOW is BLM a hate group, again?

Betty J. Rousey

Well, black lies (sic) matter is a violent deceitful hate group, little different than the old-time KKK.

Steve Estrada

Black Lives Matter was begun by grieving mothers of sons slaughtered by police. So this guy equates moms w/the KKK???

Denise Parkinson

I am so pleased that Judge Griffen spoke out.

Margaret Ann Gibson Niven

In response to the Oct. 15 Arkansas Blog post "Talking Turkey, Yellville Turkey Trot Style:

This is godawful and cruel - what kind of a person would participate in this?

Fran Owens

Few People up here take pride in their barbarism. Look who they vote for. As for AG&F's sponsorship, I believe they have a turkey calling contest at the Kelley Slab site. Don't expect Chamber sponsors to effect much change. Remember the Klan exists quite openly just over the county line in Boone. Institutionalized animal cruelty is par for such a community.

J.R. Pinky

Arkansas, you're proving your ignorance by keeping this tradition going another year. This is barbaric. Stop! These turkeys don't always land safely when being thrown from an airplane at 100 mph and the people who think this is funny and entertaining are ridiculous.

Jessica Garrison

Animal cruelty should be EVERYONE'S business. Ditto child abuse, elderly abuse. Arkansas has become the laughing stock of the country, thanks to Yellville. This gene pool needs to be drained, and fast. Such an embarrassment to the State.

Elizabeth Wood

Maybe you should visit a chicken/turkey processing plant and watch the hang them upside down it a dark room and cut their throats so they will bleed out. Then steam their feather off before the suck their guts out with a vacuum. Then dropping them from a plane won't seem so bad.

Sonny Bell

In response to the Oct. 16 Arkansas Blog post "UA Little Rock picks firm to study football"

#UA Little Rock picks firm to study football #In response to the Oct. 16 Arkansas Blog post

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moondonky · 3 years ago

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Dark winter

Words i cringed when I heard blatantly uttered by the president, a code word that got him in.. treasonous words, words of genocide, words of agendas.. dark winter, just randomly blerting that shit out on national television.. propaganda now lining up for it..

And to most a scratch of there head,, but sum understand exactly what was meant,, that is shutting off the power grid and blaming whatever, cme, emp, cyber attack, because evil people play God n shit.. none of this would be happening if they hadnt.. from diseases to genetics to populations, tampering and replacing what was perfect, what u had, what u now pay for a bootlegged version of, what u compensate with pills now, vitamins and shots, u know damn well they don't care about the climate as much as they care about a carbon tax, in a carbon based world, pay to live, illogical..

Truth is a big picture, a painting, a story, an image of things happening, invisible patterns of scaffolding.. everything having to do with everything, heads of a beast,, from the new technologies setup through covid, the new laws from all the "riots" and civil disobedience, the new unemployed making more off being dependent on system, the censorship of internet, prolly about to make vaccines mandatory, and not for your health, but there ability to do it, all these cyber hacks stealing information, feeding to ai systems and algorithms the printing of money to back purchases of all the homes and farmland and resources, internal takeover, literally changing out locks to all the doors of our freedoms, while u sit and watch telivision, watch the fear, the violence, sinful entertainments.. echochambers of nonsense, political lawyers vomiting scripts of bullshit, keeping u focused on everything and anything but what really matters, what's really going on, losing a war of no bullets.. and one might think, well just be like China, can live with that,, capitalism plus communism equals dictators u can trust sumhow.. and I would tell u nope,, america becomes a prison country, build that wall to keep u in,, open air prison for the rest of the world to send dissidents and debtors, and yes prisoners are allowed to work like slaves in dangerous environments because u approved of it letting them pull heartstrings for those convicts wanting to help fight all those fires in california for penny's so they can buy sum cheatoes in ther prison cells, and if u think thats bad there gonna send all the garbage and nuclear waste to Australia,, dont trust them globalists, that is sustainable development, with depopulation in the fine print, turning entire countrys into a function of a larger system, that whole 8 yr drone campaign over yemen,, that was a testing of systems to be implemented on a much wider scale... u notice the main opposition to all of this is white people, it is because on a world scale of majority rules, white people are a minority and racism is a byproduct of fear.. people be dom a f.. i could go on, but I'd rather not..

We already tried to tell you this would happen b4. listed and marked, but some of us were extra smart, aware of the gravitys surrounding us.. living to tell, 1000 yrd stare, the same shit happened to all of us, they find you, they surround you, they isolate you, they psychologically torture and destroy your world, like succubus they feed off you, they drive you to do things u would never do.. I just say forgive them for they do not know what they do.. I know they watch too

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wendyimmiller · 4 years ago

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The SEO Garden: A Letter to the Midwest

June 26, 2020

Lovettsville, VA

Dear Scott,

Well, as your letter writing skills are obviously taking second place to your Facebook overshares, I thought I would pick up the baton (as most women must do in this life), and nudge you with its slightly nubby end.

The bananas are beginning to cook.

I enjoyed your latest Rant about things in the gardening world that you love and loathe, but erased my pithy comment about 600 characters in, feeling it was better to start a new, more focused, discussion on the things that also make me crazy as a gardener and garden writer in a new(ish) digital age.

As almost all of them involve a laptop which is not particularly photogenic, I’ll entertain you with pictures of the garden right now instead.

Bird-sown Petasites hybridus (with violet leaf for scale).

There are many things to love about the digital age of course – my word processor for one, my digital SLR for another. Hell, my iPhone camera at this point. But I know, in a little tiny corner of my mind which I often close for comment, that each is working with the passage of time to make me lazier and less clever. Depth of field nuance? Grammatical flourish? Tricky spellings which tax the brain? All casualties to algorithms and sweet sweet convenience if I allow it. And I so often do.

And these are skills we should be loathe to lose. A writer friend wrote the following on syntax, which I have pinned up in my office on a 3×5 card to remind me of the fun of it all – the reason if you will to turn off Microsoft Editor, and Yoast, and the specter of your fourth grade teacher insisting that you will be pitched into the fires of hell if you start a sentence with a conjunction:

It’s no sin to tax the grammar. If you’ve the skill, then you canna.

The Scots would point out, quite rightfully, that the last word negates the gist of the thing, but I like to feel it is penned in the style of Ogden Nash. Perhaps you might prefer CAKE’s more modern approach with the lyrics of John McCrea in Stabbing Shadows:

Adjectives on a typewriter, he moves his words like a prizefighter. The frenzied pace of the mind inside the cell.

That last line’s gotta resonate with the man who just penned 722 words (I counted) on high octane gasoline.

So if we allow these things to ‘help us,’ will they eventually hurt us instead? Which brings me to the issue of the modern ropes, however silken, that tie us in knots and limit the creative [horticultural] mind. I wonder if you’ll agree.

Echinacea ‘Tres Amigos’ with belamcanda fans – now Iris domestica.

Autocorrect

Do you know how long it takes to thumb-type Aechmea fasciata into a phone with muddy hands? Do you know how much I’m forced to drink when I then read ‘Arch fascists’ on a text I’ve just sent to a botanist friend who is probably wondering how much news I’ve been taking in lately – and from which websites?

Wait a minute, of course you do, you’ve got at least a decade on me. At least I can see my screen at this point.

All said, it does tend to limit the amount of times one wants to thumb-type Achmea fasciata into a phone with muddy hands. Easier to type ‘urn plant’ and pray there’s only one.

Well, not an achmea, but an ananas. Pineapples in Virginia. So. Much. Fun.

Google dictation

Which, like its evil brother, Autocorrect, does not understand botanical nomenclature and turns a simple task into ten wasted minutes of your life you will never get back. Here’s a great example from today: Tripsicum dactyloides to the folks at Apple is “trips to come back to the ladies.”

And, if I type it in, and forget to hit that top left “Yes, that’s damn well what I typed” word suggestion, I get something equally incomprehensible courtesy of Autocorrect. Unless of course, I’ve typed it before. Or not. Depends. Meanwhile, the tripsicum has spread four inches.

I imagine Dr. Fauci and his lot are struggling with the same issues: “No! I said remdesivir – the polymerase inhibitor, you idiot machine, not ‘REM death severe.’ Holy hell – like the President needs to think sleep will kill people at this point. Somebody get me a new phone.”

Writing for SEO

I do believe I dislike this most of all. Not simply because of the articles that have been butchered by editors with their hungry marketing eyes fixated (quite understandably) on key words and their synonyms awkwardly repeated 16 times in 900 words. Nor because of one-sentence paragraphs that can no longer hold their heads up proudly and call themselves paragraphs. But because of the nuance that is lost when all this happens – particularly when it comes to clever, teasing titles.

Would you rather read “The Necessity of Underwear” to gently introduce you to the painful subject of staking, or scroll through yet another “The One Crazy Trick Great Gardens Have in Common – Sure to Shock You!”

Mixed shrubs made ever so much better by a touch of Cosmopolitan. (Miscanthus sinensis)

Had this SEO nonsense been the norm eighty years ago, it would have completely obliterated most great garden literature, including the scratchings of His Royal Highness, Monty Don. Loathe as I am to mention great British garden writers in light of your sensitivity on the subject, I feel an example is necessary.

One of Christopher Lloyd’s Country Life articles “Shun the Invisible Worm” (found in In My Garden) is a piece about succession bloom in late summer borders; and somewhere, deep in the meat of it, he comes to the threat of introducing the phlox eelworm into one’s garden. Then, just as quickly, back to love of plants, and of hybrid rhododendrons. The worm was just a blip; but in finding it and moving through the article, the reader-gardener is transported deep within Lloyd’s kingdom.

I simply wouldn’t have fallen in love with that garden (or that wit) without that journey. One feels the garden. One begins to know the garden. His articles are a mix of straight-to-point and linger-a-little. Both are necessary.

The great American garden writer Henry Mitchell wrote similarly, as did many others in the days before newspapers threw out their garden columnists onto hard pavement — forcing them to sell their souls in a world run by Yoast and its little red frowny faces.

New 2020 title for Lloyd’s piece: The Terrifying Pest That Will Destroy Your Garden!

Notes from 2020 editor: Remove rhodos and summer border options. Not relevant. Need some keyphrase headers. Can you make the worm more terrifying?

Notes from Lloyd: [annoyed muttering]

Primo Black Pearl heuchera (a long-lived stunner!) with Sun Power hosta.

Those frowny faces say impertinent things like “Keyphrase has been found less than four times.” “42% of your sentences contain more than 20 words.” “82% of your readers have started scanning their Instagram feed.”

I wonder if those who don’t blog or write content for websites (all fifteen of them) understand how much has been lost in a one-inch-deep marketplace. 20 words folks. That’s what Yoast and Google think of our ability to read at this point.

For the benefit of future employers/editors reading this letter, I feel compelled to add that I am fully versed in SEO and will absolutely sell my soul in a world run by Yoast and its little red frowny faces. The pavement is so very hard. Scott, I’m sure you’ll join me in my abject groveling.

Writers gotta hustle in a COVID world.

Exclamation points

Or rather, the new need for us to use exclamation points in texts, emails, or prose — or risk pissing someone off with our disembodied, obviously snotty, tone!

You probably wouldn’t understand because you’re so “good-natured” and “sometimes humorous,” but some of us don’t have to work that hard to make others believe we’re using a snotty tone, so we’re forced to use more exclamation points!

To friends! To colleagues! To people we’ve never met before! I die a little bit each time I do it! To those who flatly refuse – I deeply respect your stance! But maybe you’re grumpy! I can’t tell! And see paragraph above!

I always think I love the red ones the best, then I see the pure lavender ones.

Can we all just agree to stop using them?!? Can we all just agree that an slightly uplifted tone is implied in all correspondence, no matter how short?!? Please!

Insane misinformation, perfectly SEO’d

Insane. And because I have no idea if it is libelous to quote these people, I won’t. Instead I’ll make up something that I may, or may not have recently read, by someone who may, or may not have 45 thousand followers, of whom 44 thousand may, or may not, be Russian bots.

“Plant green healthy taro! The healthy leaves are awesome in the garden! And good for you! You can eat the green healthy leaves in tons of ways! People say the leaves are medicinal – I’m sure they totally are! They just LOOK healthy! And green! Why not try it? Plant medicine is good medicine right? Right!”

Not for salad fixins’

There’s those exclamation points again.

Yeah buddy. You’re right. Taro leaves do happen to be edible. Boiled. Boiled hard. Just don’t make one of those “tons of ways” chomping on the raw leaves with a steaming cup of ashwagandha before you start your sun salutations, or your throat will swell shut. And then you’ll need something other than plant medicine to realign your chakras.

While I give everyone and anyone a free pass to make mistakes in life and in print as we all do, I cannot get over some of the utter horseshit I see out there. I suppose I should be thankful that it’s mostly Russian bots scanning it.

What was my SEO header keyphrase again?

Speaking of plant medicine, it appears to be time to close up this fabulously clever word processor with all of its little demons and frowny faces, and mix myself a G&T – though I know we disagree on the sticky issue of what to pair with one’s tonic. Your penchant for Vodka is unsettling, but I will assume a Vodka tonic pairs well with a Vodka jello square after a long day keeping the elephants off the phlox. Personally I don’t see why you don’t use Everclear and save a bit of cash.

Can we at least agree on Pimms? Don’t tell me your mixer is soda water.

Yours in the sublime brilliance of tonic at least,

Marianne

P.S. Just rebuilt the carburetor on my edger with the help of a friend. I too loathe this gasoline dance we do, but at Stihl’s exorbitant European-esque fuel prices, I’ll continue to use my additives.

P.P.S. The irony of having to mess with the SEO of this letter to achieve Green-Face Nirvana has sent me to my second G&T.

The SEO Garden: A Letter to the Midwest originally appeared on GardenRant on June 27, 2020.

The post The SEO Garden: A Letter to the Midwest appeared first on GardenRant.

from Gardening https://www.gardenrant.com/2020/06/the-seo-garden-a-letter-to-the-midwest.html via http://www.rssmix.com/

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turfandlawncare · 4 years ago

Text

The SEO Garden: A Letter to the Midwest

June 26, 2020

Lovettsville, VA

Dear Scott,

The bananas are beginning to cook.

As almost all of them involve a laptop which is not particularly photogenic, I’ll entertain you with pictures of the garden right now instead.

Bird-sown Petasites hybridus (with violet leaf for scale).

It’s no sin to tax the grammar. If you’ve the skill, then you canna.

Adjectives on a typewriter, he moves his words like a prizefighter. The frenzied pace of the mind inside the cell.

That last line’s gotta resonate with the man who just penned 722 words (I counted) on high octane gasoline.

Echinacea ‘Tres Amigos’ with belamcanda fans – now Iris domestica.

Autocorrect

Wait a minute, of course you do, you’ve got at least a decade on me. At least I can see my screen at this point.

All said, it does tend to limit the amount of times one wants to thumb-type Achmea fasciata into a phone with muddy hands. Easier to type ‘urn plant’ and pray there’s only one.

Well, not an achmea, but an ananas. Pineapples in Virginia. So. Much. Fun.

Google dictation

Writing for SEO

Mixed shrubs made ever so much better by a touch of Cosmopolitan. (Miscanthus sinensis)

New 2020 title for Lloyd’s piece: The Terrifying Pest That Will Destroy Your Garden!

Notes from 2020 editor: Remove rhodos and summer border options. Not relevant. Need some keyphrase headers. Can you make the worm more terrifying?

Notes from Lloyd: [annoyed muttering]

Primo Black Pearl heuchera (a long-lived stunner!) with Sun Power hosta.

Writers gotta hustle in a COVID world.

Exclamation points

Or rather, the new need for us to use exclamation points in texts, emails, or prose — or risk pissing someone off with our disembodied, obviously snotty, tone!

I always think I love the red ones the best, then I see the pure lavender ones.

Can we all just agree to stop using them?!? Can we all just agree that an slightly uplifted tone is implied in all correspondence, no matter how short?!? Please!

Insane misinformation, perfectly SEO’d

Not for salad fixins’

There’s those exclamation points again.

What was my SEO header keyphrase again?

Can we at least agree on Pimms? Don’t tell me your mixer is soda water.

Yours in the sublime brilliance of tonic at least,

Marianne

P.S. Just rebuilt the carburetor on my edger with the help of a friend. I too loathe this gasoline dance we do, but at Stihl’s exorbitant European-esque fuel prices, I��ll continue to use my additives.

P.P.S. The irony of having to mess with the SEO of this letter to achieve Green-Face Nirvana has sent me to my second G&T.

The SEO Garden: A Letter to the Midwest originally appeared on GardenRant on June 27, 2020.

The post The SEO Garden: A Letter to the Midwest appeared first on GardenRant.

from GardenRant https://ift.tt/2NBihmp

#GardenRant

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republicstandard · 6 years ago

Text

From Weber to Weibo: The Relentless Creep of Bureaucratic Tyranny

A rationally ordered world has been the vision of social engineers from across the political spectrum, although most commonly from the Left. Marxists, fascists, and caliphate-builders are the extremists of orderliness, but all governments and international authorities exert regulatory control, whether perceived as benevolent or oppressive. Around the world, states are becoming more authoritarian, not less. Liberal democracies are struggling to maintain the trust of their people, following economic crises and the consequences of mass immigration, while China, Russia, and Turkey have reverted to central command. Democracy is a hindrance to master-planners.

In the early 20th century, Prussian sociologist Max Weber introduced the concept of bureaucracy, whereby organizations would be rationally-arranged systems, in which every employee had a specified role. A worker’s personal attributes were irrelevant beyond his ability to perform the prescribed job, and he could be replaced by someone else with the required skill. The bureaucratic structure looks good on paper, but in practice, it depersonalizes relationships, stifles initiative and needs overbearing governance to keep people in check. Military history has shown how a large lumbering army of a dictatorial regime can be defeated by a smaller force able to think on its feet.

The production line of FW Taylor, while making Ford the leading automobile manufacturer, was soul-destroying. Indeed, the apparent efficiency of simple and repetitive piecework was countered by the frequent interruption of strikes, which crippled the British car industry. Popular author Arthur Hailey, in Wheels, portrayed the subversive culture on a typical Detroit factory floor, where officials had limited influence on the heavily unionized workers. The Hawthorne experiments by Chicago sociologists in the 1920s showed that employees create a social environment and an informal hierarchy that differs markedly from the formal structure. Human beings refuse to be mere cogs in the wheel.

Since the late 20th century, there has been a steady decline in manual labor in the West, due to imports from countries with cheaper labor costs, outsourcing, and automation. Meanwhile more people ascended to the middle class. In Organization Man, an expose of white-collar corporate culture, William H Whyte showed how loyalty was nurtured, with a collective identity and belief that only the organization could make the right decisions. The rugged individualism associated with the American dream was ironed out. Effectively, capitalism and communism relied on the same submissiveness.

After the Second World War, western Europe flirted with socialism, many on the Left seeing the Soviet Union as a guiding light. Cradle-to-the-grave welfare was pledged by the post-war Labour government. But an all-providing state comes at the price of freedom. In her biography of Pope John Paul II, Mary Craig described Karol Wojtyla’s return to his homeland in 1948. For the Poles, liberty after the Nazi occupation was short-lived:

Poland had become a People’s Republic, the Russian ‘advisers’ were in control, and the country lay in the grip of a great Stalinist freeze. Surrounded by red flags, portraits of Stalin and Lenin, peasants were being forcibly collectivized, and while officials droned out statistics proving how prosperous the workers were under Socialism, housewives wandered disconsolately about with empty shopping baskets. The air was heavy with slogans, the mind-deadening propaganda which robbed even the simplest activity of its normal human meaning: "the train – for – Chelmno – will – leave – from – Platform – Number – Three – beware – of – bacteriological – warfare – by – the – foreign – imperialists – the train – from – Cracow – is – arriving – on – Platform – Number – Two – long – live – socialism – and – workers’ – unity."

In a Russian oblast, schools were not named (my friend Maria, for example, went to School 7 in Tambov). Names are sentimental, and of no use to logical ordering. Numbers are the currency of control, and everyone and everything is counted. The ‘nanny state’ makes selective use of data to justify action on the ‘gender pay gap’ and to impose sin taxes on alcohol or sugar. We mustn’t forget Stalin’s reputed observation that:

"the death of one man is a tragedy, but the death of a million is a statistic."

To maintain its grip, authoritarians create a surveillance society. In the Soviet Union, tens of millions of political criminals were sent to a vast Gulag Archipelago in the frozen wastelands of Karaganda and Kolyma. We are a long way from that in Britain, but consider the messages sent by police forces urging reports of online abuse. Heard several times daily by commuters, ‘see it, say it, sorted’ has a broader target than suspected jihadists. With the creep of so-called ‘hate crime’ legislation, George Orwell’s 1984 has become a manual for our leaders. This amazingly prophetic dystopia, written long before the arrival of the internet, showed how technology would be exploited to quash humanity and its messy ways.

The internet was naively celebrated as an irrepressible bastion of liberty, but it is increasingly manipulated by governments to curtail freedom of speech (often in collaboration with the tech companies, whose liberal-left political outlook has led to the censoring of conservative or libertarian opinion). Pubs close down while younger people interact via mobile devices, unperturbed by this being recorded. In China, people are very much aware of state snooping. Under President Xi, a ‘social credit' scheme is being rolled out, whereby career opportunities and access to schools, services, and travel are determined by an algorithm that rates the acceptability of each person’s posts and followers on Weibo (the Chinese equivalent of Facebook). Twitter bans are the thin end of the wedge.

While no Western country would overtly ditch democratic principles, the British establishment’s response to the EU referendum shows how the hoi polloi can be defied. The British people have been hoodwinked as their government has ceded sovereignty on the trajectory from the Common Market to the European Union. This was always the plan, as laid out by Monnet in the 1960s. Like Pravda, truth can be dressed up for public consumption, although not always credibly. Merely 13% of the British public believe what the government tells them on immigration (a result that shocked only the survey sponsors Hope not Hate). Politicians who thought they would represent their voters find themselves in the pockets of Sir Humphrey, the chief civil servant in the satirical TV show Yes Minister. Olly Robbins was always in charge of the EU negotiations, not David Davis; making a mockery of his status as Minister of the Department for Exiting the EU.

A healthy democracy relies on people having access to information. But the British government spent £9.3 million of taxpayers’ money promoting the Remain cause in the EU referendum. ‘Project fear’ was meant to scare the ordinary people from voting intuitively against rule by a foreign power. Checks and balances on government power are no longer functioning properly: the corrupted Electoral Commission, for example. The Tommy Robinson case was an exercise in state propaganda, with a blackout of his summary imprisonment followed by approved disinformation from compliant mainstream media. Populism is perceived as dangerous as it pits the common people against the cosmopolitan elite. So it is suppressed by demonizing any rabble-rouser who exposes lies or the underlying agenda.

Equality before the law is another casualty of the creep of autocracy. The moral relativism of identity politics is a boon to state control because it facilitates the old strategy of ‘divide and rule’. In the counter-culture of the 1960s, influenced by the critique of Michel Foucault, emancipatory campaigners spoke truth to power, while the privileged spoke power to truth. But the left-wing students of that time became the new Establishment, quashing opposing fact or opinion with their ‘safe spaces’, ‘no-platforming’ and weaponizing of mental health language such as ‘trauma’.

This new puritanism is a tightening ratchet on the Enlightenment triumvirate of freedom of speech, democracy, and equality before the law. Society has retreated from rationalism to moralizing emotionalism, thereby weakening democracy by boosting the power of leaders who are able to manipulate emotional weaknesses. What is to be done? Perhaps nothing less than a revolution, but this could be averted if people took the plunge and voted for a party that genuinely puts them first. Populism is simply a pejorative term for people power.

The slogan 'take back control' used by Vote Leave implies a shift of power from one authority to another. Tough action is needed on terrorism and crime, but most people just want to get on with their lives with minimal state meddling. We should revisit John Stuart Mill’s On Liberty: -

"The sole end for which mankind are warranted, individually or collectively, in interfering with the liberty of action of any of their number, is self-protection".

from Republic Standard | Conservative Thought & Culture Magazine https://ift.tt/2OD11Mt via IFTTT

#IFTTT #Republic Standard | Conservative Thought & Culture Magazine

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colekaneeo231-blog · 6 years ago

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Credit Repair Las Vegas

DO YOU STAY IN CHICAGO? LOOKING FOR CREDIT REPAIR? HERE ARE ALL THE DETAILS YOU MIGHT NEED TO KNOW. WAYS TO BE CREATIVE ABOUT HOW TO DETERMINE YOUR CREDIT SCORE:

RVLOANPROVIDERS CAN HELP YOU WITH THE CREDIT REPAIR FILL OUT THE FOLLOWING FORM AND LET US HELP YOU:

The very notion of credit score management can cause a panic in many of us. The measurement of your credit rating from the FICO score is calculated on the basis of an ever changing algorithm that benefits only the most perfect and punctual among us. Proper management of this number is essential to achieve financial independence. But without a clear strategy and understanding of how credit scores work, a credit report can feel like a dark secret waiting to cut your future. It's even more difficult when companies and borrowers, which rely on FICO counts to make decisions about loans and interest rates, contribute to confusion by setting out fine-tune that can work against the thing you're trying to establish.

While we may be tempted to exceed your creditworthiness, you can not hide it forever. Eventually you will need it – and it will be better. But just because credit score formulas pay and bills do not mean that we can not find creative solutions to understand how they work and use the knowledge to our advantage. We asked a few lenders and financial planners how to reconsider the credit rating consultant.

Step one: Make peace with the past

An unprecedented cost of bad credit is that the emotional energy you spend is terrible about yourself as a result. Part of the fear of managing your credit rating comes from the fact that you will have to face irresponsible expenses, bad debts, or missed payments that have damaged your score. However, the upward point is that it is normal. Ashley Feinstein Gerstley, a fundraiser and founder of The Fiscal Femme, acknowledges that many people feel this way. “Often we are ashamed of our own spending habits, so we avoid dealing with it. It can be a terrible cycle. The key to forgiveness is to create compassion for ourselves and to understand why we are where we are.”

Unless you have a significant trust fund or another extensive financial security network (and sometimes even if you do!), There is a chance that you have made a few choices about debt you still pay. Gerstley also has some wisdom about it. “When we find how hard money can be, we forgive ourselves, it's much easier. Money is something we can not avoid – most of us did not learn about it, we can not talk about it because it's taboo and we give it much power because it's an instrument to have and experience what we want in life. “It's time to determine how past spending decisions affected your score. Use CreditKarma. nl, Mint. Nl, or a credit card program to see where you stand. Make an agreement with yourself to own it and move forward.

Step two: Find accountability

If it comes to your FICO score, you will not get extra credit to find everything on your own. And while no one will be invested in your personal credit score as you are, it does not mean you have to go it alone in your quest to unlock a near-perfect score. Find a financial guru – whether it's your best to master the travel points on her credit cards or your skilled retired tannie who can live her best life on a fixed income for 15 years. Be real with them about how your credit point looks and ask them to help you keep you accountable.

If there is no Zen credit expert in your life, consider asking for professional help. To speak with a credit repair specialist, call the person who does your tax or ask for a consultation with a mortgage lender (or next to), and save the frustration to guess what to do next. Achieving relationships with your bank's local branch can not hurt either. Not only can a national bank be a valuable source of advice (and a loan, when times come), but brand loyalty can cause compensation loss if you exceed your account or miss a deadline.

Bethy Hardeman, Chief Consumer Attorney at Credit Karma, advocates talking to a real person at your bank when making a mistake. “Ask for a” lifeline “at your bank. If you have made late payment, pay your bill as soon as possible and call your lender. They can be prepared to look good and help you through Leave a late fee or to pay your credit report. You can also call for a lower interest rate, higher credit limit or different expiration date. ”

Step three: Automatically automate everything

Once you are committed to improving your credit, you will find that on-time payments can cover a lot of financial sins. Automatic bills that you have to pay – such as utilities and shipping costs – may mean that you will never have to make a late payment. Guaranteed Rate of Interest's VP of Mortgages, Jennifer Beeston, agrees that the handshake handwritten is the key. “Automatize each account so that at least the monthly minimum is paid five days before the due date. Always try to pay your cards at zero.” If the prospect of mistaking your credit report appears to be, you can also automate. CreditKarma. If you have a valid reason for late payment, such as a change of address or a bank failure, please file a dispute report on your behalf.

How many credit cards do you have in any case? “You would prefer three credit cards,” Beeston shares “, and you want to use them for small amounts each month and then pay them.” Do not wait until the monthly installments are due on your cards. By giving small amounts to your account balances during the month, you can improve the appearance of how fast your credit line turns and make you an excellent candidate for credit hikes.

Maggie Johndrow, Financial Advisor at Farmington River Financial Group, states: “[Payment History and Amounts Due] carry 65 percent of your credit rating. So if you make your payments on time and do not carry large balances, you must good creditworthiness. “It's just as simple. And even if you have done very late payments in the past, do not lose hope: Any payment made on time will contribute to updating your average of unpaid payments. This means that you have several opportunities every month to reduce the impact of late payments on your score. As you participate, set an automatic transfer to your savings account to get closer to a healthy financial future.

Step Four: Play for Hold

We can not restore or improve our credit points as much as we want. Write down your ideal credit rating and a financial goal that will help you achieve it. Then, determine your next steps by critically thinking about what you are going to do for you. For example, if you are guilty of student debt, your credit history can really benefit. “Many young people do not realize that student loans, as long as you are in good standing, can help your credit!” Encourage Johndrow. “It offers payment history on a loan.” She also reminds us that maintaining the accounts we already have is essential. “Do not close your credit cards,” she warns. “While you may think that it can help improve your credit health, closing your credit cards may adversely affect it.

If you have a lot of credit card debt, do realistically assess how you pay it and #dothedangthing. Assume that there is probably not a fairy grandmother coming in to intervene on behalf of your maximum credit card. Although it's never good to throw your money on old debt, try to get yourself too small rewards when you reach debt milestones, such as paying a card in full.

Getting debt is difficult – but not impossible. Once you realize that you have a bad credit, you do not make a bad person, trust a mentor and take the first simple, proactive step to automate your accounts. You are ready to make a long-term plan to play the credit card system in favor of you.

Create credit card costs, check your credit How can you restore your credit? Pay it back with credit cards. Do you know how to light up credit repairs?

In addition to the APR (annual percentage) and the financing costs, most credit cards have a number of “costs” in connection with their use. Some costs are inevitable with a certain card (such as an annual fee or a participation fee for a program), while others are activated by certain circumstances. The most common costs are listed below.

To get a better picture of what your credit card can cost in the course of a year, check the terms of your card and your user agreement to see what costs you may apply.

An annual fee is charged for the privilege of having the card, whether you ever use it or not. Many credit cards offer no annual fee and low interest rates to their best customers, or to those with excellent credit. If you are trying to recover from an error with bad credit, your only choice may be a card with a relatively high annual fee. In that case, search for one with the lowest APR you can get, and be careful to avoid other costs being triggered.

Credit Repair – Credit Repair Las Vegas – Credit Repair Dallas – Credit Repair Miami – Credit Repair San Diego – Credit Repair Atlanta – Texas credit repair – Credit Repair San Antonio – Credit Repair Chicago – Credit Repair Orlando

Costs for withdrawing money from an ATM:

When you use your credit card to get a cash advance, there is often a cash advance payment. It can be a fixed fee per cash advance (say $ 5, no matter how much money you borrow) or a percentage of the advanced amount – 5%. This fee comes alongside the interest you pay on the amount.

Balance transfer costs

Usually, when you transfer the balance from one card to another, the credit card company charges you a balance transfer fee. Just like the cash advance payment it can be a fixed rate, or a percentage of the amount of the transfer.

Late payment costs

If your payment has not been received and transferred by your credit card company after receiving date, you will be charged for the payment costs. The late payment costs are added to your credit card balance. In many cases, if you are more than once, or a certain number of times within a certain period, your interest rate increases in addition to the late payment costs.

Over-the-credit-limit fee:

If you exceed your credit limit on your credit card, you will often be charged a fixed fee.

Credit Limit Costs:

You usually pay a credit limit increase fee if you ask to increase your credit limit.

Set-up fee:

When you open a new credit card account, the credit card company may impose a one-time institutional fee that can be anything from $ 19 to $ 149.

Return costs:

This is essentially a benefit expense. If you pay a payment on your account by check and the check is returned by your bank for insufficient funds, the credit card company can impose a return fee on you.

Depending on the credit card company and the card offered, you can be held liable for other costs, including costs for paying by telephone, checking your account online, setting up an online paying service or offering other customer service. Make sure you read the terms and conditions of your credit card to see which costs and costs you are liable for paying.

Your credit report is the document that is used to determine how much interest you pay for credit cards, mortgages or personal loans. You must ensure that it is correct and correct.

Q. What is a credit monitoring service?

A. With growing concern about identity theft, many companies offer credit monitoring for a fee. Some consumers prefer to keep their credit reports and personal data free; Others choose to purchase a service to handle some of the tasks.

A credit monitoring service monitors your credit report, keeps track of certain changes, and sends activity reports to you. For example, a service might warn you if someone in your name tried to get credit. Some services also offer you additional copies of your credit report or help with troubleshooting problems that you discover on your report.

If you are considering whether a credit monitoring service is suitable for you, please ask:

Does this service offer my credit to all three major consumer reporting companies (Equifax, Experian and TransUnion)? These companies can have different information about you and it is important to view all three reports.

Will the service immediately notify me of new activities on my credit files? How will I be notified?

Exactly what services do I get for my money? Does the compensation relate to daily credit monitoring, all three credit reports, credit scores, help with problem solving or insurance cover for expenses related to recovering my identity?

Q. How can I monitor my credit?

A: Regularly check your credit report to quickly catch errors or deception. Look for all the information that does not belong to you. Your new right to free credit reports can help.

Instead of ordering reports from all three CRCs at the same time, you can order a report from another CRC every four months. In this way, you will receive three reports over a period of 12 months and you will be better able to assess your credit report for changes or problems. You can also choose to purchase your credit reports for about $ 9 each at any time.

Keep your personal information safe

Q. What are signs of fraud or identity theft on my credit report?

A. Your credit report may indicate that someone is using your personal information: your name; Citizen service number; credit card number; Or other identifying information. Find these characters:

– new credit card accounts, loans or other financial obligations that you have not incurred;

– questions you have not made;

– bad debts on your own accounts or debts on accounts that you have not opened;

– Legal actions you do not know.

Q. What should I do if my identity is stolen?

A. Contact the fraud departments of one of the three major CRCs and make a fraud warning on your credit files.

The warning means that creditors contact you before they open new accounts or make changes to existing accounts. The company that you contact must inform the other two.

Close accounts you think are taken over or opened fraudulently.

Use the “ID Theft Affidavit” when you dispute new unauthorized accounts.

Submit a police report.

Send a copy of the report to your creditors and others who need proof of the crime.

File a complaint with the Federal Trade Commission (FTC).

The FTC maintains a database of identity theft to help the law application learn more about the experiences of the crime and the victims.

Are you caught under the burden of large debts? High debts can give you sleepless nights and affect your overall financial growth. It is very important to restore your credit before it becomes impossible to check it. Depending on how serious your credit problems are in the past and present, it may take some time and patience to rebuild credit.

1. Check Credit Report: Your credit report plays a very important role in assessing your financial positions in the competitive business world. It is very important that you check your credit report at least once every six months. There are chances that your credit report list debts that do not belong to you. Regular updating of the credit report can help to resolve any errors, thus improving the credit score.

2. Check Credit Score: Although credit score is only a three-digit number, but it has a lot of importance in the business world today. A lot of money and bank borrowers depend solely on your credit score to assess your loan repayment capacity. Every time you check your credit score, you receive a maximum of five “score reason credit”. These score reasons will tell you how you can improve your credit score.

3. Solution: In the case of errors or shortcomings in your credit report, please fill in the dispute form provided by the credit reporting agency and inform them about the same. In the framework of the federal trade commission legislation, the credit reporting agency must find rectification with you within 30 days of the date of the complaint of the dispute. If your dispute results in a change in your credit report, you will receive a free copy of your credit report with the necessary corrections.

4. Pay all your invoices on time: One of the basic requirements for a successful credit is to pay all your balances before the due date. In case of delayed payment and late costs, your credit health will be negatively affected.

5. Avoid unnecessary inquiries: Avoid unnecessary questions as if you have a large number of complaints that your creditors can pay that you ask for too much credit to pay back financial problems or more debts than you can.

What is a money credit card?

A refundable credit card gives annual discounts or returns money to the cardholder based on how many have been purchased. This type of credit card is suitable for those who rarely use money in their transactions. The discount is calculated as a percentage of the total amount charged to the credit card in a year. Usually discounts are between 1-2%. Some can even go as high as 3%.

Are discounts always in the form of cash?

Strictly speaking, the discounts should be in cash. But now card companies are diversifying, discounts can now be made in the form of gift vouchers and discount coupons. In this way, the line between and between the different types of credit cards mentioned in the first paragraph of this article expires.

Some cashback credit cards offer an upgrade of the membership status, allowing their members to give more discounts and gifts during anniversaries and holidays, such as Christmas and birthdays. In addition, some credit card companies also have partnerships with other consumer products that entitle their members to more product discounts for future purchases.

Which banks offer money back credit cards?

There are many banks that offer cash credit cards in kind. They usually have a rewards program for members whereby cardholders receive gifts and discounts thanks to partner product companies; Discount coupons for hotels, restaurants, specialty stores; And travel styles for non-travel purchases. Below are a number of banks that refund money.

1. Citibank

2. Chevy Chase Bank

3. HSBC

4. Royal Bank Avion (Canada)

5. Standard Chartered Bank

Are bank accounts only offered by banks?

No. Since companies are established to innovate their services and benefits for their customers, some offer their money back to their loyal customers, such as Discover Card (Discover Magazine). In addition to giving book and time discounts, airlines are also offered by Discover Card. Large supermarkets such as Krogers, Wal Mart and Bi-Lo offer money back, but in the form of cash certificates and discount coupons.

How do you get a money back credit card?

Since almost all credit card companies (eg Banks, stores, airlines) have money (or in-kind) benefits, you must submit an application in any of their offices or stores, or register online through their web sites. Just be a cautious word for online applications, make sure the transaction is made via a secure internet connection, as identity theft has become rampant with the arrival of a credit card.

You may see ads on TV, online or in newspapers that claim that your bad credit can be solved quickly and easily. Do not do prey for these scammers.

Avoid companies that tell you truth information can be changed or deleted to improve your credit or that only the credit repair company can delete old or incorrect information. These claims are incorrect.

Be careful when you are asked for a large sum of money before the credit recovery company completes the job. A money-back guarantee does not protect you against an indisputable business.

Avoid new credit identities

If you filed for bankruptcy, you can be the target of a credit repair scheme, often called “file segregation”. Here you are promised the chance to hide unfavorable credit information by establishing a new credit identity.

However, there is a problem: file segregation is illegal. If you use it, you may face fines or imprisonment.

Other scams

Consumers looking for an easy solution are often targets of other credit-related scams:

Credit by telephone: Pay-per-call or 900-number services have become a popular vehicle for credit scams. Advertisements promise that “guaranteed” credit or money loans are just a phone call. Instead, the caller can only receive a list of banks offering low-interest credit cards or a booklet on how to set up a credit…

0 notes

rvloanproviders · 6 years ago

Text

Credit Repair Miami

Credit Repair Miami https://ift.tt/2OxlzGS Louis Byrd

DO YOU STAY IN CHICAGO? LOOKING FOR CREDIT REPAIR? HERE ARE ALL THE DETAILS YOU MIGHT NEED TO KNOW. WAYS TO BE CREATIVE ABOUT HOW TO DETERMINE YOUR CREDIT SCORE:

RVLOANPROVIDERS CAN HELP YOU WITH THE CREDIT REPAIR FILL OUT THE FOLLOWING FORM AND LET US HELP YOU:

The very notion of credit score management can cause a panic in many of us. The measurement of your credit rating from the FICO score is calculated on the basis of an ever changing algorithm that benefits only the most perfect and punctual among us. Proper management of this number is essential to achieve financial independence. But without a clear strategy and understanding of how credit scores work, a credit report can feel like a dark secret waiting to cut your future. It’s even more difficult when companies and borrowers, which rely on FICO counts to make decisions about loans and interest rates, contribute to confusion by setting out fine-tune that can work against the thing you’re trying to establish.

Step one: Make peace with the past

Unless you have a significant trust fund or another extensive financial security network (and sometimes even if you do!), There is a chance that you have made a few choices about debt you still pay. Gerstley also has some wisdom about it. “When we find how hard money can be, we forgive ourselves, it’s much easier. Money is something we can not avoid – most of us did not learn about it, we can not talk about it because it’s taboo and we give it much power because it’s an instrument to have and experience what we want in life. “It’s time to determine how past spending decisions affected your score. Use CreditKarma. nl, Mint. Nl, or a credit card program to see where you stand. Make an agreement with yourself to own it and move forward.

Step two: Find accountability

If it comes to your FICO score, you will not get extra credit to find everything on your own. And while no one will be invested in your personal credit score as you are, it does not mean you have to go it alone in your quest to unlock a near-perfect score. Find a financial guru – whether it’s your best to master the travel points on her credit cards or your skilled retired tannie who can live her best life on a fixed income for 15 years. Be real with them about how your credit point looks and ask them to help you keep you accountable.

If there is no Zen credit expert in your life, consider asking for professional help. To speak with a credit repair specialist, call the person who does your tax or ask for a consultation with a mortgage lender (or next to), and save the frustration to guess what to do next. Achieving relationships with your bank’s local branch can not hurt either. Not only can a national bank be a valuable source of advice (and a loan, when times come), but brand loyalty can cause compensation loss if you exceed your account or miss a deadline.

Step three: Automatically automate everything

Once you are committed to improving your credit, you will find that on-time payments can cover a lot of financial sins. Automatic bills that you have to pay – such as utilities and shipping costs – may mean that you will never have to make a late payment. Guaranteed Rate of Interest’s VP of Mortgages, Jennifer Beeston, agrees that the handshake handwritten is the key. “Automatize each account so that at least the monthly minimum is paid five days before the due date. Always try to pay your cards at zero.” If the prospect of mistaking your credit report appears to be, you can also automate. CreditKarma. If you have a valid reason for late payment, such as a change of address or a bank failure, please file a dispute report on your behalf.

Maggie Johndrow, Financial Advisor at Farmington River Financial Group, states: “[Payment History and Amounts Due] carry 65 percent of your credit rating. So if you make your payments on time and do not carry large balances, you must good creditworthiness. “It’s just as simple. And even if you have done very late payments in the past, do not lose hope: Any payment made on time will contribute to updating your average of unpaid payments. This means that you have several opportunities every month to reduce the impact of late payments on your score. As you participate, set an automatic transfer to your savings account to get closer to a healthy financial future.

Step Four: Play for Hold

If you have a lot of credit card debt, do realistically assess how you pay it and #dothedangthing. Assume that there is probably not a fairy grandmother coming in to intervene on behalf of your maximum credit card. Although it’s never good to throw your money on old debt, try to get yourself too small rewards when you reach debt milestones, such as paying a card in full.

Create credit card costs, check your credit How can you restore your credit? Pay it back with credit cards. Do you know how to light up credit repairs?

To get a better picture of what your credit card can cost in the course of a year, check the terms of your card and your user agreement to see what costs you may apply.

Costs for withdrawing money from an ATM:

Balance transfer costs

Late payment costs

Over-the-credit-limit fee:

If you exceed your credit limit on your credit card, you will often be charged a fixed fee.

Credit Limit Costs:

You usually pay a credit limit increase fee if you ask to increase your credit limit.

Set-up fee:

When you open a new credit card account, the credit card company may impose a one-time institutional fee that can be anything from $ 19 to $ 149.

Return costs:

Your credit report is the document that is used to determine how much interest you pay for credit cards, mortgages or personal loans. You must ensure that it is correct and correct.

Q. What is a credit monitoring service?

If you are considering whether a credit monitoring service is suitable for you, please ask:

Will the service immediately notify me of new activities on my credit files? How will I be notified?

Q. How can I monitor my credit?

A: Regularly check your credit report to quickly catch errors or deception. Look for all the information that does not belong to you. Your new right to free credit reports can help.

Keep your personal information safe

Q. What are signs of fraud or identity theft on my credit report?

A. Your credit report may indicate that someone is using your personal information: your name; Citizen service number; credit card number; Or other identifying information. Find these characters:

– new credit card accounts, loans or other financial obligations that you have not incurred;

– questions you have not made;

– bad debts on your own accounts or debts on accounts that you have not opened;

– Legal actions you do not know.

Q. What should I do if my identity is stolen?

A. Contact the fraud departments of one of the three major CRCs and make a fraud warning on your credit files.

The warning means that creditors contact you before they open new accounts or make changes to existing accounts. The company that you contact must inform the other two.

Close accounts you think are taken over or opened fraudulently.

Use the “ID Theft Affidavit” when you dispute new unauthorized accounts.

Submit a police report.

Send a copy of the report to your creditors and others who need proof of the crime.

File a complaint with the Federal Trade Commission (FTC).

The FTC maintains a database of identity theft to help the law application learn more about the experiences of the crime and the victims.

What is a money credit card?

Are discounts always in the form of cash?

Which banks offer money back credit cards?

1. Citibank

2. Chevy Chase Bank

3. HSBC

4. Royal Bank Avion (Canada)

5. Standard Chartered Bank

Are bank accounts only offered by banks?

How do you get a money back credit card?

You may see ads on TV, online or in newspapers that claim that your bad credit can be solved quickly and easily. Do not do prey for these scammers.

Be careful when you are asked for a large sum of money before the credit recovery company completes the job. A money-back guarantee does not protect you against an indisputable business.

Avoid new credit identities

However, there is a problem: file segregation is illegal. If you use it, you may face fines or imprisonment.

Other scams

Consumers looking for an easy solution are often targets of other credit-related scams:

https://ift.tt/eA8V8J July 31, 2018 at 03:53PM

#IFTTT #RV Loans Providers Louis Byrd

0 notes

archiveofprolbems · 6 years ago

Text

Real Economies and The Illusions of Abstraction by Hazel Henderson

The yawning gap between the real world and the discipline and profession of economics has never been wider. The ever-increasing abstractions in finance and its models based on "efficient markets" and "rational actors": capital asset pricing, Value-at-Risk, Black-Scholes Options Pricing have been awarded most of the Bank of Sweden prizes since they were founded in the 1960s and foisted onto the Nobel Prize Committee. Most of these abstract models, based on misuse of mathematics, contributed to the financial crises of 2007-2008. Now, the family of Alfred Nobel, led by lawyer Peter Nobel, has disassociated itself from the Bank of Sweden Prize in Economics In Memory of Alfred Nobel.1,* They point out that Nobel never would have approved of a prize in economics since it is not a science - and would have disapproved even more that most of the prizes were given to Western, neoclassical economists using mathematized, abstract models - far from Nobel's wider concerns.

Nowhere is this abstraction more devastating than in the mathematical compounding of interest rates on borrowed money, now sinking individuals, companies and nations in unrepayable debt as explored in lawyer Ellen Brown's Web of Debt (2007).

In The Politics of the Solar Age (1981, 1988), I warned that compound interest violated the Second Law of Thermodynamics:

"Much confusion arises because economics inappropriately analogizes from some of these models from the physical, social, and biological realms. For example, the best example of a "runaway" can be found in the hypothetical model that economists have imposed on the real world: compounded interest. Here, they have set up an a priori, positive feedback system (based on the value system of private property and its accumulation), in which the interest earned on a fixed quantity of money (capital) will be compounded and the next calculation of interest added on cumulatively. But this "runaway" accumulation process bears no relationship to the real world - only to the value system. However, it has profound real-world effects if enough people believe it is legitimate and employ lawyers, courts, etc., to enforce it!" (p. 228)

I also pointed out that Frederick Soddy, Nobel laureate in Chemistry, decided that economists' dangerous drift into pseudo-scientific abstraction must be halted before they destroyed industrial societies, because their uninformed ideas contravened the first and second laws of thermodynamics. (p. 225)

The mathematical fantasy that money is wealth and can reproduce itself is revealed again in the US housing and foreclosure crisis. Money is a useful information system for tracking our use of nature's resources and scoring the games we humans play, but it gradually became mistakenly equated with the real wealth of nations. Similarly, too often economists and politicians describe money flows in economies as analogous to the human body's circulatory system. Yet human blood's hemoglobin cells do not charge money or interest for the life-giving oxygen they deliver to every other cell in our bodies.

Charging interest for lending money was frowned on by our ancestors and considered a sin in Christian, Judaic as well as Islamic and other religious traditions. This view survives today in Sharia finance where lending at interest is shunned in favor of requiring the investor or creditor to share risks of any enterprise with the entrepreneur.

Generations of scholars since Aristotle's treatises on "just prices" have examined the myths and human experiments in creating money and systems of exchange, from mutual fund manager Stephen Zarlenga's "The Lost Science of Money" (2002) and Prof. Margrit Kennedy's "Interest and Inflation Free Money" (1995) to lawyer Ellen Brown's "Web of Debt" (2007). In my "Creating Alternative Futures", I posed the question: Is there any such thing as profit without some equal, unrecorded debt entry in some social or environmental ledger or passed on to future generations? My answer was "yes," provided all costs of production were internalized and thermodynamic, not economic, measures of efficiency were calculated.

The mismatch is between the real-world economies, where real people grow food, make shoes, clothes, shelter and tools in real factories, versus the human mind's tendencies toward abstraction. Understanding the real world in which we live requires us to recognize patterns and to abstract reality into mental models. The map is not the territory, as we have been reminded by many epistemologists. The danger is that we routinize our perception through these models, forgetting the need for constant updating and course-correcting as conditions change around us. Thus our mental models are memes that crystallize into habits, dogmas and outdated theories such as those in conventional economics and finance. These led to collective illusions: about "efficient markets," "humans as rational actors" and the lure of "compound interest" that still guide the decisions of too many asset managers. New models of triple bottom line accounting for Environmental, Social and Corporate Governance (ESG) have been adopted by responsible investors and institutional investors, including those engaged with the UN Principles of Responsible Investment, managing $22 trillion in assets. The current US mortgage and foreclosure mess provides a new teachable moment where we can re-examine the obsolete beliefs still at the core of economics and now refuted by physicists, endocrinologists, brain and behavioral scientists.2

The computerized efficiency of digitizing mortgages for rapid securitization in the Mortgage Electronic Registration System (MERS) is at the root of the foreclosure and toxic assets dilemma. We must examine how computers, when introduced into Wall Street, financial and housing markets drove economic theories further into mathematization, led by the Arrow-Debreu modeling of national economies in the 1960s, beyond earlier attempts by Leon Walras. Bank of Sweden Prizes in Memory of Alfred Nobel were given to Arrow and Debreu and others for mathematical models inappropriately applied to economics and finance.3 Similar mathematical models on which economists still rely, accept Arrow-Debreu's assumption of a process of "market completion" where markets could be extended to enclose ever more of the global commons: air, carbon emissions, water, forests, biodiversity, ecological assets and their productivity which supports all life. The newest commons are global communications infrastructure, the internet, the electromagnetic spectrum and space, all of which require massive public investments and underpin global finance and its extensive bailouts. The report of the Global Commission to Fund the UN, "The UN: Policy and Financing Alternatives", proposed taxing all commercial uses of the global commons and fines for misuse, including a tax on currency speculation. 4

For any market to efficiently allocate resources, buyers and sellers must have equal information and power, while their transactions should not harm any innocent bystanders. These conditions identified by Adam Smith in "The Wealth of Nations" in 1776 are now violated everywhere due to the scale and technological reach of global corporations and finance. Examples include the earliest forms of industrial pollution and exploitation of workers to today's toxic sludge dam failure in Hungary; BP's Gulf oil contamination and the growing costs in lives and ecological destruction of coal mining; the Wall Street volatility due to program trading; the financial meltdown of 2007-2008; the May 6, 2010 "flash crash," and the new revelations of US mortgage and foreclosure frauds. An ingenious enterprise, the Open Models Company (OMC) founded by Prof. Chuck Bralver at the Fletcher School of Tufts University, based on Linux principles, provides an open-source platform for global experts and critics in finance to examine the assumptions underlying derivatives and risk models - a huge help for underfunded regulators.5Mervyn King, head of the Bank of England, called for restructuring beyond Dodd-Frank, Basel III and other recent reforms of today's unsustainable "financial alchemy."6 King reflects most of the issues identified by experts in our Transforming Finance statement of September 13, 2010.

The scale of industrial and financial operations becomes global and ever more computerized and digitized, accelerating the abstraction of management, global supply chains, risk assessment, calculations of accountants for profits and losses, strategies of national governments and central bankers using defunct models such as NAIRU (non-accelerating inflation rate of unemployment) to set interest rates, along with subsidies, tax policies, and quantitative easing to "manage" their economies. All are based on levels of aggregation in statistical indicators akin to assessing national economies while over-flying a country's territory at 50,000 feet. The digitization of Wall Street and security analysis is cancelling out strategies for diversification of portfolios. In the post-Bretton Woods, turbulent global casino, the $3 trillion plus daily electronic trading of currencies and sovereign bonds are driven largely by speculation, credit default swaps, and high-frequency trader's algorithms. The proliferation of electronic trading platforms, credit cards and digital payment and credit systems bypass regulatory models of governments and central banks.

Today's ad hoc global financialization cannot be described as a system since it is still driven by the long-outdated assumptions and models in economics and the sloppy generalizations and categories that underlie economics and its theories: "capital" (not clearly defined); "growth" (GDP is the output of goods and services measured in money without subtracting social and environmental costs or adding the unpaid services in families and communities which support official paid production); "innovation" (does not distinguish between new brands of dog food, potato chips, credit default swaps vs. computer chips, gene sequencing or renewable energy); "productivity" (if measured as output per worker, this leads to further automation and technological unemployment); "free trade" (which led to the hollowing out of the US economy, outsourcing of jobs in manufacturing and services, trade deficits); "inflation" and "deflation." Statistical illusions: CPI, "core CPI" (which excludes energy and food), drives Fed policies, Social Security, taxes as well as employment and macroeconomic policies. **

Perhaps the most obvious policy errors were the models used by Alan Greenspan to describe the global economy in the dot com boom and by Ben Bernanke during the period from 2003-2006 as "The Great Moderation" (economic cycles had been tamed) and then, as the global imbalances grew, labeling them "the Global Glut of Savings" (China, Japan and other countries supposedly saved too much). Instead, I and others labeled this a growing global bubble of fiat currencies, led by the US dollar, acting as a global reserve currency. The crisis was one of macro-economic management - sinking under mounting deficits, debt and compound interest, while facing growing systemic risks due to deregulation in the global casino.

Nassim Nicholas Taleb pointed out all these conceptual errors in "Fooled by Randomness" (2005) and "The Black Swan" (2007), digging even deeper into the fallacies of the human mind, including confirmation bias, herd behavior and excessive optimism verified by behavioral psychologists. Mathematician Benoît Mandelbrot warned of the limits of statistical models of probability and risk informed by Gaussian normal distribution "bell curves." Fat tails, black swans and perfect storms entered the language, but instead of examining these human perceptual errors, they became excuses for Robert Rubin and his protégés, Larry Summers, Tim Geithner, as well as central bankers, Wall Street CEOs and asset managers - all claiming that "no one could have predicted the financial crises." As Richard Bookstaber described in "A Demon of Our Own Design", Wall Street's financial models were bound to fail.

The truth is that thousands of critics, scholars and market players, including the author accurately predicted and warned of the coming debacle - but were ignored by the leading elites in business, government and academia. 7,8 Mainstream media accepted conventional wisdom, funded by advertising from incumbent industries and their financial allies while their lobbyists took control of Congress. After the half-hearted reforms of Dodd-Frank, the IMF, the World Bank, the BIS and the G-20, how can a paradigm shift allow new voices, new models and more accurate modeling and control of systemic risk to emerge in the global financial system?

First, we must recognize the crises we face are not black swans, fat tails or perfect storms, but symptoms of our limited perception, fragmentary reductionist mindsets, models, research methods and academic curricula , particularly in economics and business schools. Second, we must move beyond economics to capture all their "externalities" in multi-disciplinary frameworks, systems models, multiple metrics and pluralistic research, such as that pioneered by the US Office of Technology Assessment (OTA) on whose founding Technology Assessment Advisory Council I was honored to serve from 1974 until 1980. This useful messenger, with its ground-breaking research, now copied in many countries, was decapitated by Congress in 1996 by Speaker Newt Gingrich and his Republican colleagues. Luckily, OTA's studies are still highly relevant and archived at Princeton University and the University of Maryland. Signs of awakening include new memes, including describing fragmented approaches as "silos" and narrow research as "stovepipe information" with frequent calls to "connect the dots."

Equally urgent are the phasing out of all the hundreds of billions of dollars of perverse subsidies propping up obsolete, incumbent companies and industries still blocking the emergence of cleaner, greener information-rich technologies and new companies. Governments' conceptual confusion over climate issues is evident in still subsidizing carbon-based industries while at the same time trying to cap and price carbon emissions. This Green Transition to the Solar Age is underway as we gradually exit the earlier, fossil-fueled Industrial Era. Ethical Markets Media measures private investments since 2007 in solar, wind, energy efficiency, renewables and smart infrastructure worldwide in our Green Transition Scoreboard®.++

Meanwhile, a below 1% financial transaction tax on all transactions can curb high frequency trading and currency speculators, limit positions by hedge funds and other institutional investors - while sparing legitimate hedging by commercial firms. Such long-debated taxes proposed by James Tobin in the 1970s and Larry Summers in his 1989 paper are now supported by the EU and are on the G-20's agenda. 9,10

To finally correct our money-creation ceded to private banks by Congress in 1913 through the Federal Reserve system, Congress could enact the Monetary Reform Act long proposed and vetted by seasoned market veterans of the American Monetary Institute. This would entail a rolling readjustment in money issuance - now obviously dysfunctional under the Fed and private banks, and return it to a public function as in the US Constitution. Meantime, many states could adopt state banking as in North Dakota, the only state with a surplus and full employment - unharmed by the depredations of Wall Street extractions from Main Street.$$

I agree with others from E.F. Schumacher, author of "Small is Beautiful" (1973), Simon Johnson, author of "13 Bankers" (2009), Laurence Kotlikoff, author of "Jimmy Stewart is Dead" (2009) to Nassim Nicholas Taleb: if systems are too large and interconnected to manage and banks are "too big to fail," then they need to be carefully dismantled and decentralized to restore diversity and resilience following nature's design principles. Monetary monocultures now on a global scale have demonstrably failed. Healthy, homegrown, local economies need protection from global bankers and their casino. Complementary local currencies and peer-to-peer finance are flourishing. && Bloated financial sectors can be downsized and returned to their role of serving real economies. In the USA, small non-profit community development finance institutions (CDFIs) are growing to fill the needs of micro-businesses.11

Trickle down economics has failed utterly, even as the politicians and central bankers still believe that pouring taxpayers funds and printed money into big banks and bloated financial sectors will somehow trickle down to Main Street and local businesses. Instead of creating US jobs, the rest of us see the Wall Street traders and big asset managers investing these funds in China, India, Brazil and other emerging markets where US multinationals have shifted their plants, jobs and research. Worse still, big banks take the Fed's funds and rather than lending to Main Street, use it for gambling on currencies, oil, interest rates and other derivatives. All this money-creation is fueling currency wars. Hopefully, all this together with ballooning debts, deficits and un-repayable compound interest, the foreclosure and mortgage securitization scandals and auditing Fannie, Freddie and the Fed, will provide enough evidence to Washington and voters in many countries of the needed paradigm shift and new policies.

Calls in the USA for facing up to these painful truths are coming from all sides, from Republicans including Congressman Ron Paul to Democrats including Congressman Dennis Kucinich and Independents including Senators Bernie Sanders and Byron Dorgan. Indeed, Republicans and Democrats are now both minority parties as most voters are now independents.

Exposing all the statistic illusions, inoperative models, dysfunctional economic dogmas - including their unsustainable offspring: debt-based money and compound interest - can begin the Green Transition to the emerging economies of the 21st century. The new coalition is now visible: responsible and green investors and companies, environmentalists, Millennials, progressive labor unions and their pension funds, students, independent media and voters, systems thinkers, futurists and academics pioneering new courses in sustainability, as well as dispossessed homeowners, jobless workers, professionals and veterans eager to put their skills to work - all are ready to help grow the green economies of the future.

Notes

Peter Söderbaum, "Nobel Prize in Economics Diminishes the Value of Other Nobel Prizes" Dagens Nyheter, October 10, 2004.

Hazel Henderson, "The Cuckoo's Egg in the Nobel Prize Nest, " Inter Press Service, October 2006.

Hazel Henderson, "Abolish the 'Nobel' in Economics? Many Scientists Agree, " Inter Press Service, 2004.

Harlan Cleveland, Hazel Henderson and Inge Kaul, eds., The UN: Policy and Financing Alternatives (London: Elsevier Science Press, 1995).

Don Tapscott and Anthony Williams, Macrowikinomics (London: Penguin, 2010).

"King plays God" The Economist, October 26, 2010.

Hazel Henderson, Building a Win-Win World (San Francisco: Berrett-Koehler, 1996).

Hazel Henderson, "New Markets and New Commons," Futures 27, no.2 (1995):113-124.

Larry Summers and Victoria Summers, "When Financial Markets Work Too Well: A cautious case for a securities transactions tax" Journal of Financial Services Research 3, no. 2-3 (1989): 261-286.

Hazel Henderson, "Financial Transaction Taxes: The Common Sense Approach" Responsible Investor, October 19, 2010.

Mark Pinsky, "Help for Small Businesses: Loans are just a start" Businessweek, Oct. 25, 2010.

Source: http://www.cadmusjournal.org/node/93

PDF: http://www.cadmusjournal.org/files/pdfreprints/vol1issue3/Reprint_Hazel_Henderson_Real_Economies.pdf

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cryptoga-blog · 7 years ago

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Can Blockchain Help you save Us from the Internet's Authentic Sin?

http://www.cryptoga.com/news/can-blockchain-help-you-save-us-from-the-internets-authentic-sin/

Can Blockchain Help you save Us from the Internet's Authentic Sin?

Michael J. Casey is the chairman of CoinDesk’s advisory board and a senior advisor for blockchain investigate at MIT’s Digital Forex Initiative.

In this belief piece, 1 of a weekly series of columns, Casey appears to be at how blockchain may cost-free society from the stranglehold of the four huge data hogs of the web period: Google, Amazon, Facebook and Apple.

What is actually improper with this image?

The front website page of The Wall Road Journal, Tuesday: “Amazon Lures 238 Bids for its Next Residence.”

It is not a great factor that a one company can get the political leaders of so numerous American cities and states to scramble around every single other to check out to entice $5 billion in expending on some new buildings.

The tale exhibits that Amazon’s impact around American urban daily life is significantly far more than 1 company warrants: around tax guidelines, around city setting up choices, around the aesthetics and culture of our communities. Society’s pursuits lie in sustaining a dynamic, innovative and evolving financial state, not 1 in which hegemonic businesses have oversized sway around everyone’s conclusion-making.

This is the main trouble of centralization in the web age – a pet topic for those of us who believe the thoughts driving blockchain technological innovation can position us toward a superior economic design.

Amazon is not on your own, of study course. But it really is in a incredibly decide on team. An acronym has emerged to outline the modest club of electronic behemoths to which it belongs: GAFA (Google, Amazon, Facebook and Apple).

Two other WSJ tales this previous 7 days provide house the distorting impact of two other customers of that club. A person was Christopher Mims’ column about Facebook’s “grasp algorithm,” which in pinpointing what we see and read is practically dictating how we imagine. The other was about Google winning the quantum computing race, a prize that will afford the winner unimaginable aggressive rewards in data-processing capabilities.

Meanwhile, with my Apple iphone 6’s display screen cracked and its operation deteriorated because I upgraded to iOS 11, I’m tempted to switch to a Samsung cellular phone, but you should not want to reduce all the data and connectivity that the Apple universe has locked me into. And I know that with the Android OS, I would just be receiving Google’s variation of the same dependency anyway.

The internet’s authentic sin

How did the GAFA gang get to be so highly effective? It will come down to an authentic sin in the initial style and design of the web.

The inventors of packet switching and of the essential protocols on which the modern-day internet is built did a masterful occupation figuring how to shift info seamlessly throughout a dispersed network. What they didn’t do was take care of the trouble of have faith in.

Considering the fact that info is electrical power, it is normally remarkably delicate. So when folks share it with every single other, they have to have to know that data can be dependable. But because there was no actually decentralized have faith in mediation procedure in spot in the 1990s – no permissionless way to resolve the Byzantine Generals’ Challenge – an asymmetric resolution was observed.

On the 1 hand, the distribution of community info was disintermediated, which set all centralized companies of that info, especially newspapers and other media outlets, below powerful business strain from blogs and other new info rivals. But on the other, all important info – particularly dollars alone, an especially important kind of info – was still intermediated by dependable 3rd get-togethers.

It was a centralized resolution bolted onto a decentralized info infrastructure.

So, we acquired internet site internet hosting providers to regulate every single site’s documents. We acquired certificate authorities to authenticate dependable addresses. We acquired financial institutions and credit score card companies to operate the payment procedure. And because we craved the network that Facebook’s group provided and that Amazon’s marketplace could attain and Google’s look for engine could tap, we fed at any time far more important info into the arms of these entities – those that gained the early, defining battles to create dominance of those providers.

A new web variation of the dependable 3rd get together was born, and it was just as highly effective, if not far more so, than those archetypal dependable 3rd get-togethers of the pre-web period: financial institutions.

Only these newcomers’ currency is just not dollars, it really is data.

A decentralized way forward

Currently, troubles this sort of as Facebook’s “fake information” problem and Equifax’s cyberbreach have at last begun shining a light-weight on the elementary flaws of a centralized procedure for controlling delicate info. But our financial state was suffering prolonged before that as result of this re-intermediation.

Considering the fact that producers now rely on Amazon to attain their prospects, their entire business design – from output processes to their setting up tactics – is decided by whatever info is created by the Seattle company’s algorithm. That’s an inherent impediment to successful innovation and creates a dependency that limitations aggressive capabilities.

If you imagine this degree of domination is terrible, take into account what will happen when we get there at a world in which artificial intelligence, machine mastering and the Net of Things have merged to guarantee that virtually every single conclusion we make is automated by some algorithm. The question “who owns the data?” is likely to turn out to be a considerably even larger trouble.

I you should not know if the blockchain will ultimately resolve all this. In the blockchain house, there are unsolved problems relating to how to scale permissionless blockchains this sort of as bitcoin, as properly as thoughts about how considerably autonomy folks want or should have around their personal dollars and their data.

But undoubtedly the remedy lies somewhere in the main idea of a decentralized have faith in mechanism that blockchain factors to.

Inside the design that Satoshi Nakamoto’s invention made – a procedure for how to agree on the validity of info shared by strangers in an setting of mistrust – we have a new framework for pondering about who will get to regulate data in the web age.

The notion that the world financial state of the foreseeable future will be one in which persons and modest corporations have immediate management around their data, and however can still operate in open markets and make network results is an enjoyable prospect. It is a foreseeable future in which a far more degree participating in field provides increase to legitimate competitors and unleashes the form of open-source innovation that’s desired to resolve numerous of the troubles we experience.

That world will ultimately appear. The spots that get in that setting will be those that initial embrace a new, decentralized design for data sharing and peer-to-peer investing that promotes legitimate competitors. The losers will possible incorporate whichever city wins the 2017 beauty contest to host Amazon’s new headquarters.

Adam and Eve graphic by using Shutterstock

The chief in blockchain information, CoinDesk strives to offer you an open platform for dialogue and dialogue on all issues blockchain by encouraging contributed article content. As this sort of, the opinions expressed in this report are the author’s personal and do not always reflect the look at of CoinDesk.

For far more facts on how you can submit an belief or analysis report, look at our Editorial Collaboration Guide or e mail [email protected].

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afreshword · 7 years ago

Video

youtube

The Gatekeepers

When I was growing up the major record labels were “The Gatekeepers” of the music industry.

All of the young musicians in school were hoping to get a deal. Even in small Fayetteville, our acts were dying to “open” when the big acts were coming to town. Anything to get noticed.

Then in the nineties, this guy named Master P changed the “game”. He sold his music out of his car trunk. He remained independent, blew up, and eventually started his own major company. Master P was responsible for dropping the seed of entrepreneurship into the minds of many young men.

After Master P, several artists in Hip Hop at least tried to start their own label. That idea was both eclipsed and empowered by the advent of the Internet. In the early days of the Internet, you could access millions of people for free. There were no gatekeepers during the Genesis of the tech revolution.

Then the algorithms and paid advertisements came to Social Media. The artist ability to reach the masses became more and more restrained. Now with streaming services like Spotify, Apple Music and Tidal, it’s almost like the Gatekeepers have returned. I am concerned that the creatives of the future will need “a connection” with the streaming services like my generation needed a “record deal”.

I share this for spiritual reasons. During the crucifixion of Jesus, the temple curtain was supernaturally ripped from the top to the bottom. The middleman in religion had been removed. Now because of the cleansing of sins from our Great High Priest and the Indwelling of the Holy Spirit, we no longer need a human to intercede for us.

Beware of the Gatekeepers though. There will always be a priestly class who will get in the way of you and God! The love of money is the root of all evil. So like a medieval troll these leeches survive by blocking and taxing access when they have no such authority. Gatekeeping is how they eat.

There are Gatekeepers in religion and music. Some people work hard at facilitating access while others are too busy taxing it. A pastor has to choose to keep his congregation ignorant. It’s more challenging to teach a congregation to read and think for themselves. Sometimes people are so accustomed to Gatekeepers that they gravitate toward their own mental and financial slavery. Well-meaning Gatekeepers fight against that mindset.

You can’t read a blog like this and walk away like you are unchanged. You must stop and consider your role in the universe. Are you gravitating to Gatekeepers that you no longer need? If you have the knowledge, understanding, and wisdom of a Gatekeeper, what type will you be? Will you be a facilitator or a toll booth operator? We leave you with challenging questions, be honest and choose well.

For more musings like this please subscribe to my blog AFreshWord.org at

(Click Here)

Or like our Facebook Page:

(Click Here)

#gatekeepers #hip hop #music industry

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rvloanproviders · 6 years ago

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Credit Repair Dallas

Credit Repair Dallas https://ift.tt/2ArnFox Louis Byrd

DO YOU STAY IN CHICAGO? LOOKING FOR CREDIT REPAIR? HERE ARE ALL THE DETAILS YOU MIGHT NEED TO KNOW. WAYS TO BE CREATIVE ABOUT HOW TO DETERMINE YOUR CREDIT SCORE:

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The very notion of credit score management can cause a panic in many of us. The measurement of your credit rating from the FICO score is calculated on the basis of an ever changing algorithm that benefits only the most perfect and punctual among us. Proper management of this number is essential to achieve financial independence. But without a clear strategy and understanding of how credit scores work, a credit report can feel like a dark secret waiting to cut your future. It’s even more difficult when companies and borrowers, which rely on FICO counts to make decisions about loans and interest rates, contribute to confusion by setting out fine-tune that can work against the thing you’re trying to establish.

Step one: Make peace with the past

Unless you have a significant trust fund or another extensive financial security network (and sometimes even if you do!), There is a chance that you have made a few choices about debt you still pay. Gerstley also has some wisdom about it. “When we find how hard money can be, we forgive ourselves, it’s much easier. Money is something we can not avoid – most of us did not learn about it, we can not talk about it because it’s taboo and we give it much power because it’s an instrument to have and experience what we want in life. “It’s time to determine how past spending decisions affected your score. Use CreditKarma. nl, Mint. Nl, or a credit card program to see where you stand. Make an agreement with yourself to own it and move forward.

Step two: Find accountability

If it comes to your FICO score, you will not get extra credit to find everything on your own. And while no one will be invested in your personal credit score as you are, it does not mean you have to go it alone in your quest to unlock a near-perfect score. Find a financial guru – whether it’s your best to master the travel points on her credit cards or your skilled retired tannie who can live her best life on a fixed income for 15 years. Be real with them about how your credit point looks and ask them to help you keep you accountable.

If there is no Zen credit expert in your life, consider asking for professional help. To speak with a credit repair specialist, call the person who does your tax or ask for a consultation with a mortgage lender (or next to), and save the frustration to guess what to do next. Achieving relationships with your bank’s local branch can not hurt either. Not only can a national bank be a valuable source of advice (and a loan, when times come), but brand loyalty can cause compensation loss if you exceed your account or miss a deadline.

Step three: Automatically automate everything

Once you are committed to improving your credit, you will find that on-time payments can cover a lot of financial sins. Automatic bills that you have to pay – such as utilities and shipping costs – may mean that you will never have to make a late payment. Guaranteed Rate of Interest’s VP of Mortgages, Jennifer Beeston, agrees that the handshake handwritten is the key. “Automatize each account so that at least the monthly minimum is paid five days before the due date. Always try to pay your cards at zero.” If the prospect of mistaking your credit report appears to be, you can also automate. CreditKarma. If you have a valid reason for late payment, such as a change of address or a bank failure, please file a dispute report on your behalf.

Maggie Johndrow, Financial Advisor at Farmington River Financial Group, states: “[Payment History and Amounts Due] carry 65 percent of your credit rating. So if you make your payments on time and do not carry large balances, you must good creditworthiness. “It’s just as simple. And even if you have done very late payments in the past, do not lose hope: Any payment made on time will contribute to updating your average of unpaid payments. This means that you have several opportunities every month to reduce the impact of late payments on your score. As you participate, set an automatic transfer to your savings account to get closer to a healthy financial future.

Step Four: Play for Hold

If you have a lot of credit card debt, do realistically assess how you pay it and #dothedangthing. Assume that there is probably not a fairy grandmother coming in to intervene on behalf of your maximum credit card. Although it’s never good to throw your money on old debt, try to get yourself too small rewards when you reach debt milestones, such as paying a card in full.

Create credit card costs, check your credit How can you restore your credit? Pay it back with credit cards. Do you know how to light up credit repairs?

To get a better picture of what your credit card can cost in the course of a year, check the terms of your card and your user agreement to see what costs you may apply.

Costs for withdrawing money from an ATM:

Balance transfer costs

Late payment costs

Over-the-credit-limit fee:

If you exceed your credit limit on your credit card, you will often be charged a fixed fee.

Credit Limit Costs:

You usually pay a credit limit increase fee if you ask to increase your credit limit.

Set-up fee:

When you open a new credit card account, the credit card company may impose a one-time institutional fee that can be anything from $ 19 to $ 149.

Return costs:

Your credit report is the document that is used to determine how much interest you pay for credit cards, mortgages or personal loans. You must ensure that it is correct and correct.

Q. What is a credit monitoring service?

If you are considering whether a credit monitoring service is suitable for you, please ask:

Will the service immediately notify me of new activities on my credit files? How will I be notified?

Q. How can I monitor my credit?

A: Regularly check your credit report to quickly catch errors or deception. Look for all the information that does not belong to you. Your new right to free credit reports can help.

Keep your personal information safe

Q. What are signs of fraud or identity theft on my credit report?

A. Your credit report may indicate that someone is using your personal information: your name; Citizen service number; credit card number; Or other identifying information. Find these characters:

– new credit card accounts, loans or other financial obligations that you have not incurred;

– questions you have not made;

– bad debts on your own accounts or debts on accounts that you have not opened;

– Legal actions you do not know.

Q. What should I do if my identity is stolen?

A. Contact the fraud departments of one of the three major CRCs and make a fraud warning on your credit files.

The warning means that creditors contact you before they open new accounts or make changes to existing accounts. The company that you contact must inform the other two.

Close accounts you think are taken over or opened fraudulently.

Use the “ID Theft Affidavit” when you dispute new unauthorized accounts.

Submit a police report.

Send a copy of the report to your creditors and others who need proof of the crime.

File a complaint with the Federal Trade Commission (FTC).

The FTC maintains a database of identity theft to help the law application learn more about the experiences of the crime and the victims.

What is a money credit card?

Are discounts always in the form of cash?

Which banks offer money back credit cards?

1. Citibank

2. Chevy Chase Bank

3. HSBC

4. Royal Bank Avion (Canada)

5. Standard Chartered Bank

Are bank accounts only offered by banks?

How do you get a money back credit card?

You may see ads on TV, online or in newspapers that claim that your bad credit can be solved quickly and easily. Do not do prey for these scammers.

Be careful when you are asked for a large sum of money before the credit recovery company completes the job. A money-back guarantee does not protect you against an indisputable business.

Avoid new credit identities

However, there is a problem: file segregation is illegal. If you use it, you may face fines or imprisonment.

Other scams

Consumers looking for an easy solution are often targets of other credit-related scams:

https://ift.tt/eA8V8J July 31, 2018 at 03:54PM

#IFTTT #RV Loans Providers Louis Byrd

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