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Profile Information

Gender: Female
Hometown: Seattle, for half my life
Home country: USA
Current location: Sw corner of Ala. for the rest of my life
Member since: Wed Feb 27, 2008, 02:09 PM
Number of posts: 46,049

About Me

Being the "Queen of Everything" (Mr. dixie is the Prince of What's Left) but................ Golden Retrievers RULE!!!

Journal Archives

Iphone owners can....or should......feel proud that the Apple CEO is taking on the FBI

I might just get an iphone because of this.

Apple CEO Tim Cook Takes On The FBI For Threatening Your Data
In a candid letter published online Wednesday, Apple head Tim Cook blasted the Federal Bureau of Investigation for requesting a customized version of iOS that would allow access to private data stored on an iPhone.

The note is a direct response to a new court order that would require the tech giant to assist in unlocking a device belonging to one of the terrorists who carried out an attack in San Bernardino, California, last December.

"In the wrong hands, this software -- which does not exist today -- would have the potential to unlock any iPhone in someone’s physical possession," Cook wrote.

"The FBI may use different words to describe this tool, but make no mistake: Building a version of iOS that bypasses security in this way would undeniably create a backdoor.
And while the government may argue that its use would be limited to this case, there is no way to guarantee such control."


The National Spy Agency ( NSA) and the FBI have been working diligently to make phone and computer makers build in backdoors and weak encryption that would accessible to Gov't prying.
The issue is even in the TPP and other international agreements.

Bill Maher and 1 guest lit a couple of fat ones on his show Friday!

If there was any discussion of this here afterwards, I missed it.

I thought it was amazing.

Have you seen Samantha Bee's new show, Full Frontal????

I hurt myself laughing from it.

Here is one segment from last week, on Jeb.....a great description of Trump is early in the piece.

Your Samsung *Smart* TV is eavesdropping on your private conversations

The camera in your TV is watching you, too.

Many Samsung "SmartTVs" come equipped with voice recognition, which allows you to bark commands at your TV. Since the television is always listening for your voice, Samsung has warned its SmartTV customers that every word is being captured and sent over the Internet.

"Please be aware that if your spoken words include personal or other sensitive information, that information will be among the data captured and transmitted to a third party through your use of Voice Recognition," Samsung posted in its SmartTV privacy policy.

Samsung says it needs to send your voice commands to a third-party, because that company converts your speech to text. But Samsung also collects your voice commands to perform research and determine whether it needs to make improvements to the feature.

"Samsung does not retain voice data or sell it to third parties," the company said in a statement. "If a consumer consents and uses the voice recognition feature ... the voice data is sent to a server, which searches for the requested content then returns the desired content to the TV."

couple of problems here...

Nothing about security of what they send to a 3rd party, so they are sending your conversations into teh web ether .

Same with the camera...what are they recording, where does it go?
Hacker's paradise, it would seem.

For those who keep asking: "How is Bernie gonna PAY for his ideas??" check this out

Best Borowitz line EVER!

The Constitution's system of checks and balances is based on what now seems like a naive premise
that one of the political parties will not become criminally insane.

First 'Silk Road' train arrives in Tehran from China,reviving ancient route

This is kind of cool....

The train, carrying 32 containers of commercial products from eastern Zhejiang province, took 14 days to make the 9,500-kilometre (5,900-mile) journey through Kazakstan and Turkmenistan.
"The arrival of this train in less than 14 days is unprecedented," said the head of the Iranian railway company, Mohsen Pourseyed Aqayi.

"The revival of the Silk Road is crucial for the countries on its route," he said at a ceremony at Tehran's rail station attended by the ambassadors of China and Turkmenistan.

The journey was 30 days shorter than the sea voyage from Shanghai to the Iranian port of Bandar Abbas, according to Aqayi

2 week train trip.....can you imagine how long the camel caravan took?

Justice Scalia Dead Following 30-Year Battle With Social Progress

lol....The Onion headline


NOW we find out why Green Tree was turned over to Ditech.......mortgage fraud.!!!!!

First things first..
Those of you who have had mortgages serviced by Green Tree probably know that the previous servicer of your mortgage was a bank.
But the banks got out of the servicing business when new laws were passed that reduced their ability to cheat mortgage customers.
Instead, the mortgage servicing rights were sold to NON bank companies, like Nationwide and Green Tree, because non-bank companies did not have to obey the then new banking laws.
And, sure enough, illegal mortgage practices continued.
So, eventually, new laws, thanks to Elizabeth Warren, were passed for non-bank mortgage servicers.

Both Green Tree and Ditech are owned by the same company, Walter Investments, which is having a lousy year, going from 23.00 to 7.78 a share, since the Feds have been investigating them.
Both Ditech and Green Tree were collection agencies before getting into mortgage biz.

Last April, the verdict was handed down: Please note this is due to Elizabeth Warren via "her" creation of the CFPB..
(Consumer Financial Protection Bureau)

Green Tree must Refund Consumers $48M For Array Of Deceptive Practices

The mortgage servicer failed to honor modifications for loans transferred from other servicers, demanded payments before providing loss mitigation options, delayed decisions on short sales, and harassed and threatened overdue borrowers. Green Tree has agreed to pay $48 million in restitution to victims, and a $15 million civil money penalty for its illegal actions.

“Green Tree failed consumers who were struggling by prioritizing collecting payments over helping homeowners,” said CFPB Director Richard Cordray. “When homeowners in distress had their mortgages transferred to Green Tree, their previous foreclosure relief plans were not maintained. We are holding Green Tree accountable for its unlawful conduct.”

Specifically, the Bureau and the FTC allege that from 2010 to 2014, the company:

Demanded payments before providing loss mitigation options: Delinquent consumers who called Green Tree were automatically routed to a debt collector. The CFPB and FTC allege that consumers who wanted to speak with a customer service representative or loss mitigation specialist rather than a collector found that there was no way to do so and were sometimes told that they had to make a loan payment before they could be considered for a loan modification. In reality, consumers did not need to make payments on their loans before they could be considered for a loan modification. For example, the Home Affordable Modification Program (“HAMP”), which Green Tree participated in, does not allow participating servicers to require consumers to make payments before considering them for a loan modification.

Failed to honor in-process modifications: Because Green Tree was rapidly expanding its mortgage servicing business, it often acquired customers who already had an agreement with their previous servicer to modify their loans. The complaint alleges that Green Tree, in many instances, failed to honor these agreements and insisted that consumers pay their old higher mortgage payment.

Delayed short sales: Green Tree’s short sale department was frequently unreachable and unresponsive. The complaint alleges that in numerous instances, Green Tree took two to six months to respond to consumer requests for short sales. This could have cost consumers potential buyers, and it may also have cost them other loss mitigation alternatives while their short sale requests were pending.

Harassed and threatened overdue borrowers: The CFPB and FTC allege that if a consumer was two weeks or more past due, Green Tree consumers could receive seven to 20 phone calls a day. Some Green Tree representatives also told consumers that nonpayment of their mortgage loan could result in arrest or imprisonment. Or, representatives threatened seizure or garnishment of the consumer’s wages when Green Tree had no intention to take such actions. Such threats are illegal.

Used deceptive tactics to charge consumers convenience fees: The Bureau and the FTC allege that Green Tree deceived consumers to get them to pay $12 for its pay-by-phone service, called Speedpay. Green Tree representatives would pressure consumers to use the service by telling consumers that Speedpay was the only available payment method to ensure the payment would be received on time. In fact, Green Tree accepted other payment methods that do not involve a fee, such as checks and ACH payments, which consumers could have used to make a timely payment.

This enforcement action covers Green Tree’s illegal practices prior to the January 2014 effective date of the CFPB’s new mortgage servicing rules.

Thank you, secret admirers, for the hearts.

I wasn't able to buy and share this time around ( medical bills)
so I appreciate your thinking of me.
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