Oh please! It's pathetic to want to earn an income to keep a roof over the head of my wife & two children who depend on me? Uh okay.
You may wish to note I stated that I did not participate, period. I don't agree with fraud hence I don't participate in it.
I'd like to know how you would have liked me to handle the issue? I was the loan writer in the company of four people, two people were receptionists, the other person was the Managing Director who was wanting fraud to take place and did defraud the banks. Take the issue to the lenders? at the end of the day the lenders don't care because they want the client - the loan isn't the real product either, it's just what they sell - so they need lots of loans to group together and then securitise, that securisation process is where the money is.
Another thing, the economy didn't go to shit because of people applying for these dodgy loans, they are a small proportion of the issue, you know the largest problem?
NINJA Loans.
No, it's not some funky cool slang, it means: NO INCOME, NO JOB, ASSETS that is, dirt poor, companies en masse lent to clients identified as such.
The economy went to shit due to the multinational corporations who;
A) Widened credit critea to include unemployed people with little to no asset base B) Misrepresented the risk of the securitised products C) Borrowed excessive funds to plough into securitisation programmes D) Drank their own knoolaid believing the misrepresented risk ratings E) Invested heavily in securitised products
Then low and behold these NINJA loans flicked off the honeymoon interest rate and the USA's lending institutions had doomed credit markets world wide thanks to greed. Homeowners couldn't make the repayments with interest now ticking up. They did the only thing they could and tried to sell the house, but when everyone else is in the same boat you can no longer sell the house for what you bought it for, and so the cycle begins.
I suggest you allocate you blame where it belongs: The banks & lending instituions.
They only became protected after they were endangered however, it was perfectly legal to kill them previously.
Of note, it's still perfectly legal to kill whales, there's quota systems in place in various countries. Then you have countries like Japan who just disregard international law and sail down to Australian Territorial Waters to hunt whales.
Marketing in general has standards, one could make a case that their materials are far more misleading the the industry median.
An example would be the "Switch" Campaign, which was awhile ago involving a fabricated story presented as fact about a Mac user that switched to a Windows PC, which also included blantant falsehoods about software availability on Macs. (It was even covered here: http://apple.slashdot.org/article.pl?sid=02%2F10%2F14%2F1232229&mode=nested&tid=109)
An more recent example one could use would be the whole Vista Ready/Capable disaster.
- The floatsam mostly floats underneath the surface.
- The plastics are in a wide aray of states of photodegredation
- It's spread out rather thin in the vast majority of the patches, added to point 1&2 makes it hard to harvest without engandering sea life (eg, large nets whilst getting your plastic, would capture the ole 'nanimals too).
- As soon as you built a decent landmass that was of value someone would likely come and take it from you, perhaps by force.
- You'd need a very powerful thrust mechanisim to move the end landmass out of the vortex, otherwise if someone wanted the landmass but didn't want to risk taking it by force they could blockade you and starve you out. (Or stop your medical, energy, livestock, etc supplies).
The problems these days is consumerism, we all have "stuff", lots of it. Back in the day it was unusual to have much more than you could carry as often villages would need to relocate with the seasons to follow their food sources. Or, in some cases the weather - move to higher ground in summer to be cooler, move to coastal areas in winter to be warmer etc.
Whereas nowadays we don't need to move because we have aircon/heating and we've lots of stuff that we can't or don't want to throw on a truck and move.
I like the theory of buying an old supertanker and converting it to a community but at the end of the day it's hard to sell energy & animal products to other vessels at sea to support a community and without exports the idea doesn't work. Unless you have funds or ventures in another nation which earn you income - and the moment you decide to declare indepedance that income & the underlying assests are then at risk.
Plus, I like my vintage stereo system and it wouldn't like sea water.
I did the ole "You're telling me to say he's earning X yet we can only demonstrate Y, can you please send on the documentation regarding Z".
They forwarded my termination papers inside. Which is bizarre in itself seeing as I was the only person accredited by the lenders to sign off on loan applications - but I guess that's no hinderence when they are happy to put my sign off on things I've never approved when I'm no longer there.
I'm not that worried though, whilst it sucks supporting a family of four on no income (wifes a stay at home mum) I'd prefer to be looking for work than constantly having to cover my ass and wondering if the next day is the day the feds are coming to come through the door.
Also helped I hadn't taken a holiday the entire time I worked there and they had to pay out 8 weeks leave + 4 weeks termination pay.
Well it's probably for the best that we can't simply use the scales else the poor little devils would likely be on the fast track of the endangered species list.
I don't think the stationary robot is going to be the issue.
The issue is likely to be the undertrained, underpaid buffoons arround it who either knock it over or somehow get tangled up in it, or somehow get their arm between the rotating spoon and a hard object resulting in broken bones.
An alarming number of "qualified managers" get their neck ties sucked into metal lathes every year. How hard is it to stand near something & not get tangled up? For some people - impossible!
Fitch, S&P and Moodys often have very similiar ratings. It's as if one goes first and the others follow so they don't have to answer questions about having a largely different rating.
Plus, if you rate someone poorly they may not pay you to rate them again. One of the lenders I worked for had the option to use S&P or Fitch, they got a poor rating from Fitch one year and used S&P ever since - that's a heck of a lot of cash not going to Fitch anymore.
I'm one of those people who got fired for not forging documents.
Apparently I was meant to be okay with plugging someone earning $2,000 a month into a mortgage that would cost him $4,000 month. He had $6,000 savings. Simple maths indicates he'd be against the wall in 3 or less months - but they simpled fired me, and then submitted the loan application in my name.
Thankfully I was smart enough to email myself all the emails on such topics before I was escorted out of the office - so should I ever get a visit from the boys in blue I can simply pass on the evidence and they can go sweat someone else.
I didn't mean to infer you possessed a why bother attitude, rather the populus in general.
For example, my neighbour sees zero benefit in changing to CFL globes, "why bother it only saves us $10 and they cost $10!"
For many people it's the same thing with cornstarch plastic, if they don't have children or aren't aware of BPA issues they just go on buying petroleum based #7 plastics.
When plastic first came out it was considered an imitation of the original item.
Leather -> Pleather Wood -> Woodgrain Plastic
However, once manufacturing techniques were perfected plastic became, plastic - it was accepted as a material in its own right and no longer needed to mimic another material to be accepted by the purchasing public.
Add this along with the fact it is far cheaper & far easier to blast mould a plastic case than carve/shape & mill a wooden case and the end product is also lighter & cheaper to transport - there's your reasons why it's all the rage, not to mention the pretty colours & transparencies available.
Look at hifi gear. I have a well built Pioneer system manufactured in the late 1970s, it's in full working order and is so heavy it could double as a boat anchor - sold steel case with solid aluminium front & solid aluminium knobs, built like a tank. Yet modern stuff is plastic with thin steel - nice & light, yet also nice & junky.
Some people just want cheap, not well built - even if that costs the environment.
It's basically based on the native tribes ownership and given to the ancestors, some of these displacements took place as early as the late 1700s and late 1800s so we're talking second, third and forth generations recieving the titles back.
The process basically is, they can claim Native Title, if granted they get certain benefits such as ability to deny mining rights etc, they can also then attempt to claim Land Rights - which then sees them get legal ownership & title to the land. In the case of commonwealth land (that is land owned by the government) it's given to them free. Private matters are far more complex.
Not much is said about Australia's treatment of it's local people, but "whitey" took black children away from their parents under the guise black parents couldn't raise children. Black people were not paid equal wages or allowed to vote until the late 1960s either. However the following 30 years saw things improve, the pinnacle being Paul Keatings speech to the Aborigines... until the Howard Government was elected when things went backwards again.
An example - in 1998 John Howard (the butt kisser that got us into the Iraq War) amended the Native Title Act to made it harder for Aborigines to get land back.
Things are slowly changing again though with the election of the Rudd Government which has formally apologised for the actions of those that came before us in an attempt to unify the black/white/middle sides of the community.
Here in Australia we have a program where land owned by "whitey" is returned to the original owners. Whilst it's a rather polarising issue I do think there is some validity in returning property to an owner if the owner is still around, and to answer your question of who gives a shit who lived there - the following generations of those removed do.
To pull out the infamous car analogy, if someone stole a car, does it just become their car after awhile, or is it still a stolen car that should be returned to it's original owner? What if the stolen car is sold to another person; should the car still be returned to its original owner and does the person who paid money for a stolen car lose out?
Well, before being renamed, it was actually Land of Canaan inhabited by the Canaanites - the Israelites rolled down circa 1500BC with the breakup of the Egyptian empire:)
I wonder if anyone thought about what impact putting up 20 to 100 storey buildings all over the planets surface which block massive amounts of wind would have before they started doing it?
Or what the removal of tens of millions of trees which previously used to absorb wind energy which now flows freely is?
There's cornstarch plastics these days, although more costly, they are safer.
They've developed a laser-extraction method, whilst currently rather inefficent, can still extra oil from waste plastics, reducing our requirement for new oil - also giving more incentive for people not to merely throw away plastic. (Not to mention the possible future options of mining garbage).
It could be done if people wanted to, over time, but at the end of the day the overriding opinion is "why bother?".
That "why bother?" attitude is why we're all slowing killing the future of humanity.
Sadly, I actually get decent pay for my sector - I work in financial services - 8 years experience. Major banks only offer $35-45K.
I often ponder the switch to IT for a decent wage - but then despite a sizeable shortage of skilled workers it's hard to land a job when you're disabled.
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Oh please! It's pathetic to want to earn an income to keep a roof over the head of my wife & two children who depend on me? Uh okay.
You may wish to note I stated that I did not participate, period. I don't agree with fraud hence I don't participate in it.
I'd like to know how you would have liked me to handle the issue? I was the loan writer in the company of four people, two people were receptionists, the other person was the Managing Director who was wanting fraud to take place and did defraud the banks. Take the issue to the lenders? at the end of the day the lenders don't care because they want the client - the loan isn't the real product either, it's just what they sell - so they need lots of loans to group together and then securitise, that securisation process is where the money is.
Another thing, the economy didn't go to shit because of people applying for these dodgy loans, they are a small proportion of the issue, you know the largest problem?
NINJA Loans.
No, it's not some funky cool slang, it means: NO INCOME, NO JOB, ASSETS that is, dirt poor, companies en masse lent to clients identified as such.
The economy went to shit due to the multinational corporations who;
A) Widened credit critea to include unemployed people with little to no asset base
B) Misrepresented the risk of the securitised products
C) Borrowed excessive funds to plough into securitisation programmes
D) Drank their own knoolaid believing the misrepresented risk ratings
E) Invested heavily in securitised products
Then low and behold these NINJA loans flicked off the honeymoon interest rate and the USA's lending institutions had doomed credit markets world wide thanks to greed. Homeowners couldn't make the repayments with interest now ticking up. They did the only thing they could and tried to sell the house, but when everyone else is in the same boat you can no longer sell the house for what you bought it for, and so the cycle begins.
I suggest you allocate you blame where it belongs: The banks & lending instituions.
They only became protected after they were endangered however, it was perfectly legal to kill them previously.
Of note, it's still perfectly legal to kill whales, there's quota systems in place in various countries. Then you have countries like Japan who just disregard international law and sail down to Australian Territorial Waters to hunt whales.
Marketing in general has standards, one could make a case that their materials are far more misleading the the industry median.
An example would be the "Switch" Campaign, which was awhile ago involving a fabricated story presented as fact about a Mac user that switched to a Windows PC, which also included blantant falsehoods about software availability on Macs. (It was even covered here: http://apple.slashdot.org/article.pl?sid=02%2F10%2F14%2F1232229&mode=nested&tid=109)
An more recent example one could use would be the whole Vista Ready/Capable disaster.
I think religion is fine and gives many people hope & purpose, which is great.
I find many acts carried out in the name of religion, such as this, deplorable.
Yes, please do. I could use a few more laughs this morning.
Perhaps, or maybe the prevailing theory was that there would be enough of them that taking some wouldn't matter.
Eg: Endangered Elephants vs Ivory
Eg: Endangered Whales vs Blubbler/Whale Meat
Couple of issues I see:
- The floatsam mostly floats underneath the surface.
- The plastics are in a wide aray of states of photodegredation
- It's spread out rather thin in the vast majority of the patches, added to point 1&2 makes it hard to harvest without engandering sea life (eg, large nets whilst getting your plastic, would capture the ole 'nanimals too).
- As soon as you built a decent landmass that was of value someone would likely come and take it from you, perhaps by force.
- You'd need a very powerful thrust mechanisim to move the end landmass out of the vortex, otherwise if someone wanted the landmass but didn't want to risk taking it by force they could blockade you and starve you out. (Or stop your medical, energy, livestock, etc supplies).
The problems these days is consumerism, we all have "stuff", lots of it. Back in the day it was unusual to have much more than you could carry as often villages would need to relocate with the seasons to follow their food sources. Or, in some cases the weather - move to higher ground in summer to be cooler, move to coastal areas in winter to be warmer etc.
Whereas nowadays we don't need to move because we have aircon/heating and we've lots of stuff that we can't or don't want to throw on a truck and move.
I like the theory of buying an old supertanker and converting it to a community but at the end of the day it's hard to sell energy & animal products to other vessels at sea to support a community and without exports the idea doesn't work. Unless you have funds or ventures in another nation which earn you income - and the moment you decide to declare indepedance that income & the underlying assests are then at risk.
Plus, I like my vintage stereo system and it wouldn't like sea water.
I believe you need to send your C.V. to their Public Propa... Relations Department.
I did the ole "You're telling me to say he's earning X yet we can only demonstrate Y, can you please send on the documentation regarding Z".
They forwarded my termination papers inside. Which is bizarre in itself seeing as I was the only person accredited by the lenders to sign off on loan applications - but I guess that's no hinderence when they are happy to put my sign off on things I've never approved when I'm no longer there.
I'm not that worried though, whilst it sucks supporting a family of four on no income (wifes a stay at home mum) I'd prefer to be looking for work than constantly having to cover my ass and wondering if the next day is the day the feds are coming to come through the door.
Also helped I hadn't taken a holiday the entire time I worked there and they had to pay out 8 weeks leave + 4 weeks termination pay.
Well it's probably for the best that we can't simply use the scales else the poor little devils would likely be on the fast track of the endangered species list.
I don't think the stationary robot is going to be the issue.
The issue is likely to be the undertrained, underpaid buffoons arround it who either knock it over or somehow get tangled up in it, or somehow get their arm between the rotating spoon and a hard object resulting in broken bones.
An alarming number of "qualified managers" get their neck ties sucked into metal lathes every year. How hard is it to stand near something & not get tangled up? For some people - impossible!
But it's that the highly reputable company that owns unix? ;)
I hear they might be planning to sell us air soon too!
Fitch, S&P and Moodys often have very similiar ratings. It's as if one goes first and the others follow so they don't have to answer questions about having a largely different rating.
Plus, if you rate someone poorly they may not pay you to rate them again. One of the lenders I worked for had the option to use S&P or Fitch, they got a poor rating from Fitch one year and used S&P ever since - that's a heck of a lot of cash not going to Fitch anymore.
I'm one of those people who got fired for not forging documents.
Apparently I was meant to be okay with plugging someone earning $2,000 a month into a mortgage that would cost him $4,000 month. He had $6,000 savings. Simple maths indicates he'd be against the wall in 3 or less months - but they simpled fired me, and then submitted the loan application in my name.
Thankfully I was smart enough to email myself all the emails on such topics before I was escorted out of the office - so should I ever get a visit from the boys in blue I can simply pass on the evidence and they can go sweat someone else.
I didn't mean to infer you possessed a why bother attitude, rather the populus in general.
For example, my neighbour sees zero benefit in changing to CFL globes, "why bother it only saves us $10 and they cost $10!"
For many people it's the same thing with cornstarch plastic, if they don't have children or aren't aware of BPA issues they just go on buying petroleum based #7 plastics.
Greenpeace would be proud - you used renewable materials!
And people say we need petro-chemical based paints, fools!
When plastic first came out it was considered an imitation of the original item.
Leather -> Pleather
Wood -> Woodgrain Plastic
However, once manufacturing techniques were perfected plastic became, plastic - it was accepted as a material in its own right and no longer needed to mimic another material to be accepted by the purchasing public.
Add this along with the fact it is far cheaper & far easier to blast mould a plastic case than carve/shape & mill a wooden case and the end product is also lighter & cheaper to transport - there's your reasons why it's all the rage, not to mention the pretty colours & transparencies available.
Look at hifi gear. I have a well built Pioneer system manufactured in the late 1970s, it's in full working order and is so heavy it could double as a boat anchor - sold steel case with solid aluminium front & solid aluminium knobs, built like a tank. Yet modern stuff is plastic with thin steel - nice & light, yet also nice & junky.
Some people just want cheap, not well built - even if that costs the environment.
It's basically based on the native tribes ownership and given to the ancestors, some of these displacements took place as early as the late 1700s and late 1800s so we're talking second, third and forth generations recieving the titles back.
The process basically is, they can claim Native Title, if granted they get certain benefits such as ability to deny mining rights etc, they can also then attempt to claim Land Rights - which then sees them get legal ownership & title to the land. In the case of commonwealth land (that is land owned by the government) it's given to them free. Private matters are far more complex.
Not much is said about Australia's treatment of it's local people, but "whitey" took black children away from their parents under the guise black parents couldn't raise children. Black people were not paid equal wages or allowed to vote until the late 1960s either. However the following 30 years saw things improve, the pinnacle being Paul Keatings speech to the Aborigines... until the Howard Government was elected when things went backwards again.
An example - in 1998 John Howard (the butt kisser that got us into the Iraq War) amended the Native Title Act to made it harder for Aborigines to get land back.
Things are slowly changing again though with the election of the Rudd Government which has formally apologised for the actions of those that came before us in an attempt to unify the black/white/middle sides of the community.
I guess it all depends on your point of view.
Here in Australia we have a program where land owned by "whitey" is returned to the original owners. Whilst it's a rather polarising issue I do think there is some validity in returning property to an owner if the owner is still around, and to answer your question of who gives a shit who lived there - the following generations of those removed do.
See: http://www.australia.gov.au/Land_Rights
See Also: http://en.wikipedia.org/wiki/Native_title
To pull out the infamous car analogy, if someone stole a car, does it just become their car after awhile, or is it still a stolen car that should be returned to it's original owner? What if the stolen car is sold to another person; should the car still be returned to its original owner and does the person who paid money for a stolen car lose out?
The law says, yes & yes. (Here atleast).
Well, before being renamed, it was actually Land of Canaan inhabited by the Canaanites - the Israelites rolled down circa 1500BC with the breakup of the Egyptian empire :)
I wonder if anyone thought about what impact putting up 20 to 100 storey buildings all over the planets surface which block massive amounts of wind would have before they started doing it?
Or what the removal of tens of millions of trees which previously used to absorb wind energy which now flows freely is?
Well, we can't stop using it immediately.
There's cornstarch plastics these days, although more costly, they are safer.
They've developed a laser-extraction method, whilst currently rather inefficent, can still extra oil from waste plastics, reducing our requirement for new oil - also giving more incentive for people not to merely throw away plastic. (Not to mention the possible future options of mining garbage).
It could be done if people wanted to, over time, but at the end of the day the overriding opinion is "why bother?".
That "why bother?" attitude is why we're all slowing killing the future of humanity.
So then Israel would be returning to the people who originally lived there then, as opposed to the people who came in on boats and took over.
Hmm. That's bad, isn't it? Or is it?
Personally I think Israel should just be fenced off. If the kids can't play nice with the ball you just take the ball away and be done with it.
Sadly, I actually get decent pay for my sector - I work in financial services - 8 years experience. Major banks only offer $35-45K.
I often ponder the switch to IT for a decent wage - but then despite a sizeable shortage of skilled workers it's hard to land a job when you're disabled.