Electronic Pickpocketing

 Since I moved to Memphis, I realized that Memphis TN is on the map. Not only is it the home of the Blues, it has laid claim to being the town with the most bankruptcy, obese people, infant mortality, and one of the towns with the highest crime rate with murder leading the list.  Now they have electronic pickpocketing, this is one thing that everyone needs to watch so that they can be prepared for the inevitable!!!


 

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My Son

This is great, take a moment to read it, it will make your day!     ; The ending will surprise you.       Take my Son.....         A wealthy man and his son loved to collect rare works of art. They had everything in their collection, fromPicasso to Raphael. They would often sit together and admire the great works of art..       When the  Vietnam conflict broke out, the son went to war. He was very courageous and died in battle while rescuing another soldier. The father was notified and grieved deeply for his only son.         About a month later, just before Christmas,     There was a knock at the door. A young man stood at the door with a large package in his hands..         He said, 'Sir, you don't know me, but I am the soldier for whom your son gave his life. He saved many lives that day, and he was carrying me to safety when a bullet struck him in the heart and he died instantly... He often talked about you, and your love for art.' The young man held out this package. 'I know this isn't much. I'm not really a great artist, but I think your son would have wanted you to have this.'         The father   Opened the package. It was a portrait of his son, painted by the young man. He stared in awe at the way the soldier had captured the personality of his son in the painting. The father was so drawn to the eyes that his own eyes welled up with tears. He thanked the young man and offered to pay him for the picture.. 'Oh, no sir, I could never repay what your son did for me. It's a gift.'         The father hung the portrait over his mantle. Every time visitors came to his home he took them to see the portrait of his son before he showed them any of the other great works he had collected.         The man died a few months later. There was to be a great auction of his paintings. Many influential people gathered, excited over seeing the great paintings and having an opportunity to purchase one for their collection.         On the platform sat the painting of the son. The auctioneer pounded his gavel. 'We will start the bidding with this picture of the son. Who will bid for this picture?'         There was silence...        Then a voice in the back of the room shouted, 'We want to see the famous paintings. Skip this one.'         But the auctioneer persisted. 'Will somebody bid for this painting? Who will start the bidding? $100, $200?'         Another voice angrily. 'We didn't come to see this painting. We came to see the Van Gogh's, the Rembrandts. Get on with the Real bids!'       But still the auctioneer continued. 'The son! The son! Who'll take the son?'       Finally, a voice came from the very back of the room. It was the longtime gardener of the man and his son. 'I'll give $10 for the painting...' Being a poor man, it was all he could afford.       'We have $10, who will bid $20?'     'Give it to him for $10. Let's see the masters.'       The crowd was becoming angry. They didn't want the picture of the son.         They wanted the more worthy investments for their collections.       The auctioneer pounded the gavel.. 'Going once, twice, SOLD for $10!'       A man sitting on the second row shouted, 'Now let's get on with the collection!'         The auctioneer laid down his gavel. 'I'm sorry, the auction is over.'         'What about the paintings?'         'I am sorry. When I was called to conduct this auction, I was told of a secret stipulation in the will... I was not allowed to reveal that stipulation until this time. Only the painting of the son would be auctioned. Whoever bought that painting would inherit the entire estate, including the paintings.         The man who took the son gets everything!'       God gave His son 2,000 years ago to die on the cross. Much like the auctioneer, His message today is: 'The son, the son, who'll take the son?'         Because, you see, whoever takes the Son gets everything.         FOR GOD SO LOVED THE WORLD HE GAVE HIS ONLY BEGOTTEN SON, WHO SO EVER BELIEVETH, SHALL HAVE ETERNAL LIFE...THAT'S LOVE         Please send this to ten people and back to the one who sent it to you. God Bless. If I don't get this back, I will know you really didn't read it. I got this from someone and thought the last part was really a good thought.. Too bad  that the person who sent it to me did not know 10 people who would admit to knowing the Lord.

 


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The Background Check

The Back Ground check that is used by Employer/ Human Resources serves  as a end all do all in hiring their potential employees. They must fill out paper work, interview,  and wait for their background check results.

The employer now use the background check process as a quick and efficient way to eliminate  potential employees with a history. I am not sold on a background checks that exceeds 10 years. After 10 years if you filed Bankruptcy it automatically drops off your credit, and can never be held against you... Although a crime you committed 15 years ago will influence if you will be hired today.

The definition of a a background check- It is a way to find information about someone that may not be readily available. Individuals and institutions choose to conduct background checks for a whole host of reasons. Background checks are conducted through third party institutions and are meant to provide a picture of an individuals character based on past actions and records. Background checks reveal information about an individuals professional, financial, criminal, and public history. They include everything from speeding tickets to time spent in jail, bankruptcy to employment history. 

I do think that it is important to know who the person is based on his or her past, but lets look at the facts here. Does any of you know who Frank William Abagnale, Jr is?   You see Abagnale, Jr was known for his history as a former confidence trickster, check forger, impostor, and escape artist. He became notorious in the 1960s for passing $4.5 million worth of meticulously forged checks across 26 countries over the course of five years, beginning when he was 16 years old. In the process, he claimed to have assumed no fewer than eight separate identities, impersonating an airline pilot, a doctor, a Bureau of Prisons agent, and a lawyer.

Abagnale's life story provided the inspiration for the feature film Catch Me If You Can.

In 1974, after he had served less than five years, the United States federal government released him on the condition that he would volunteer to assist the federal government in apprehending people who committed crimes of fraud and scam artists. 

  

Abagnale tried several jobs, including cook, grocer and movie projectionist, but he was fired from most of these upon having his criminal career discovered via background checks and not informing his employers that he was a former convict. Finding them unsatisfying, he approached a bank with an offer. He explained to the bank what he had done, and offered to speak to the bank's staff and show various tricks that "paperhangers" use to defraud banks. His offer included the condition that if they did not find his speech helpful, they would owe him nothing; otherwise, they would only owe him $50, with an agreement that they would provide his name to other banks. The banks were impressed by the results, and he began a legitimate life as a security consultant.^[10]

He later founded Abagnale & Associates,^[10] which advises businesses on fraud. Abagnale is now a millionaire .Abagnale also continues to advise the FBI, with whom he has associated for over 35 years, by teaching at the FBI Academy and lecturing for FBI field offices throughout the country.  

The hoax or sham that most employers put on a employment application is just that, they claim that it does not matter if you have been convicted of a misdemeanor or felony! Although when they send you a letter for denial of employment because of you past criminal record, would it be safe to say that the company lied to you? Your dammed if you tell and dammed if you don't!

My desire to be the best pushed me to want to succeed in what ever I put my mind to. Since 1990 I worked as a sheet metal apprentice, delivered pizzas, sold life insurance, graduated from ITT Technical Institute, worked as Field Technician, Sold Cars, and worked as Loan Officer. 

Ideally speaking you would think that a crime I committed a 30 years ago would not effect me in my search for employment in the year 2010, right? Unfortunately that is a farce no consideration to who I am or what I have become even matters! Companies claim that they don't want these Bernie Madoff types working for them...  A note to the wise, Charles Ponzi (The Ponzi Scheme), and Bernie Madoff (50 billion he schemed for)  were not  career criminal . These guys did not look at a book to figure out how to be a criminal, they wrote the dam book. 

Unfortunately Background checks can help you with the average criminal or people with bad credit these guys are either already in your company or companies are getting ready to hire them!!! 

Lets look at the facts here, Background checks only help companies if that person committed a crime, or have bad credit... Nothing in a persons heart can ever be determined by a background check. Did anyone ever consider what the world would be like if the United States federal government, or the banks  had not given Frank William Abagnale, Jr a chance?

If God can forgive you for your sins and The Federal Government & bank institutions for give Abagnale, Jr for his crime, why should you as an employer say no?


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Every women are not the marrying type

Every women is not the marrying type. I assume that it is quite a surprise to most men that every women does not want to be married. Men are under the notion that women just need to be married. Because of this notion men fear the emotional attachment to women. Therefore as the relationship progress men tend to lie, cheat, break it off and run! Fear of commitment can sometime overshadow the real meaning of love. Women have come to the point where they have harden their heart towards men, after being hurt time and time again The generation of pain created by men through out their life has enhanced their rational of saying "I don't want a man, nor do I need one"! "I am content to be alone." The independent woman being forced to be both male and female of the family has become an intimidating factor to most men. Unfortunately the truth is what it is, we tend to overlook that men to, have been raised by a women therefore the negative connotation has been passed down from generation to generation. We need to overcome the negativity that we created. When you learn how to love you, then you can learn  out how to love some one else With these  value tools in your belt it helps you to create a road map for the foundation for a successful relationship. Of course this is not going to make every woman the marrying type, but it is a start to break the cycle.  

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The passion of the going to the super bowl for 44 consecutive years

The Passion for attending Super Bowl games was revealed when Visa found 4 men who have never missed a Super Bowl in 44 years!

On October 14, 2010 Visa Inc, a proud sponsor of the NFL since 1995, launched a series of national television commercials and digital media activities as part of its Go Fans integrated marketing campaign. The latest phase of the campaign highlights Visa's Super Bowl Trip for Life Sweepstakes, featuring the Never Miss a Super Bowl Club, a group of four men who have attended every Super Bowl since the 1967 AFL-NFL championship, later renamed Super Bowl I.

The incredible feat to attend 44 Superbowl game is mind blowing! The average person would be lucky to attend one game. The concept alone will make you say wow! The ideal that these men were married to football the game, with their dedication to the sport allowed them to witness 44 consecutive years of attending Super bowls...

I wonder how long will it takes before Guinness makes it a world  Record? .I believe that this record will never be broken. These four men all had these things in common:

1. Health
2. Income
3. Dedication
4. Perseverance

The ideal that these devote football fans put their life on hold from August until January  for The loyalty to the game, allows them to throwing caution to the wind while saying money is not an option. Being a fan is one thing, but being a fan that is willing to go the distance is another..

"The Never Miss a Super Bowl Club represents the fervor that NFL fans have for the Super Bowl. Their unique experiences and stories bring our campaign to life," said Antonio Lucio, Chief Marketing Officer, Visa Inc. "Fans see the Super Bowl as the pinnacle of U.S. sporting events and would go to extraordinary lengths to attend the game. We're excited to offer Visa cardholders with a once-in-a-lifetime opportunity that truly lasts a lifetime and speaks directly to their passion."


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Don't ask, don't tell,

The same way that they use the phrase "Don't ask, don't tell" to protects homosexuals in  the military; is the same way that phrase should be used to protect men and women who have been convicted of a crime.

What frustrates me is that in the past five years that congress has made it easier for companies to Discriminate against people who have been convicted of a crime and its legal!

Through my life I have heard that Double Jeopardy is a procedural defense that forbids a defendant from being tried again on the same, or similar charges following a legitimate acquittal or conviction? Many Companies in Tennessee are supported with state law that says that it is okay to deny a person for a job if they committed a crime.

Okay so let me educate the world on something that is common knowledge:

 1) That if a person has negative items on his credit that reported for 7 years; the item has to automatically be removed.

2) That if a person filed Bankruptcy, after the 10 year the bankruptcy automatically falls off the person credit.



Some how the State Law is overlooking The Fourteenth Amendment, The Due Process Clause which prohibits state and local governments from depriving persons of life, liberty, or property without certain steps being taken.The Equal Protection Clause requires each state to provide equal protection under the law to all people within its jurisdiction.



Nothing is written in stone that a person would should be hired even if they are qualified for the job! Although if a person has negative credit or a bankruptcy, it automatically drops off, but if a man committed a crime 20 years ago, he is stuck with that crime for a lifetime? Due Process, I don't think so!!!



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The CPN help changed my credit score

Self-Credit Repair

Like so many people in America today my credit is not in great shape. I was a victim of the declining economy and I watched gradually as my credit score dropped…As it dropped it has made it impossible to get any loans during this rough period of time, to help out in my time of need.

After some research a way to help improve my credit. Unfortunately I was a person who had limited funds available to pay on my accounts. Many places were unhappy that I only gave them a portion of a payment to their funds, while avoiding  newer collection or charge-off. I developed a system to pay on the newer accounts before the older ones , because the older the account had less effect on my credit score.

If a account is 24 months avoid paying an older charge-off or a lien because they won't help your credit score nearly as much as if it were a newly charged off debt!

Please take notice of this that new charge-offs and liens that have occurred within the past 24 months severely damage your credit score and should be settled as soon as possible..I also found that if you  have both charged-off accounts and collection accounts -- but only a limited amount of money to pay them I  suggests that you first, pay the past due balances on accounts that are not in collection or charge-off status. For example, those are only a month or two behind.

• Second, pay collection agencies that agree to remove all references of your accounts to credit bureaus.
• Third, although not related to past due balances, pay off your credit cards that are open and revolving. This is third in order of importance because it will help your credit score a lot more than paying or settling unpaid collection or charge-off accounts that the creditor will not agree to delete with payment.
• Fourth, pay or settle the remaining collections or charge-offs that are unpaid but the creditor refuses to delete with payment. It still makes sense to settle or pay these because not doing so can lead to a lawsuit or the debt being sold to a different collection agency, Please take note that as a consumer you have the right to dispute any information on your credit bureaus. This process is called self-credit repair and can be done by anyone who can read and write! To do it you must write a letter that dispute the information you disagree with.
  
  Upon receiving your dispute letter the credit bureaus will contact the lenders who must verify the information, if they cannot, it must be removed from your report and your score will increase.

I suppose everything happens for a reason, for the other day while searching on the internet I stumbled across information on a(CPN) Credit Privacy Numbers. My first question is what is a CPN?  A CPNis a. Credit Profile Numbers. This is a 9 digit number that credit can be built! My research showed that many famous people, important political and government officials and even people in witness protection have used CPN to not expose their private information. Much to my surprise these people were using the second number to keep their real personal information private. 

. Now I have positive trade lines and no bad credit thanks Set To Go Loans..

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