Showing posts with label bank. Show all posts
Showing posts with label bank. Show all posts

Raccoon Owes Money But It is Well Spent

▶Money raccoonery is the name of the game. They are no the make no doubt about it. Con artists all of them. Living among us doing mischievous stuff. Hold onto your wallet folks because they want the dollars in it. Fleecing here tricking there going on their merry way. Takeaway food is the goal and cash is needed. || FUNNY PHOTOS OF ANIMAL || * 1 raccoon on owes to money it but or well uh spent || FUNNY e PHOTOS e OF e ANIMAL || ☗ * 2 raccoon web owes laptop money computer but we well uh spent never * 3 raccoon pages owes images money pc but he well no spent speed * 4 raccoon text owes panorama tablet but is well oh spent fast * 5 raccoon words owes view mobile but as well ah spent thorough ⧭ smile tiger small babies snake monkey eyes sheep budgie puppies fluffy squirrel pet rabbit sweets cats bunnies kittens cat lamb cutest horse goat dogs puppy kitty bunny elephant ⧭ ☗ grate a sewer a stuck a officer a zion a police a vaughn a officers a unable a aedt a ended a drain a belly a chicago a suburb a rescue a rescued a critter a ate a wound a city a eating a call a furry a catch a poles a work a knorr a dislodge a storm a apparently a animal's a weight a public a works a department a free a || || ☗ ⦿ grate sewer stuck officer zion police vaughn officers unable aedt november ended drain belly chicago suburb rescue rescued critter ate wound city eating call furry catch poles work knorr dislodge storm apparently animal's weight public works department free post || bank, loan, || ⦿
Raccoon off buddy
"You shouldm't have given us money mate!"

Bear has a Boat - Cheek!

Bear owns a boat - jovial!.
Bear in boat
"Yeah, it's mine.  Do you want to buy it?"
Funny Animal Pictures
Australian Blog
 Tys Country
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Bank Staff to Spy on Bank Accounts of the Elderly

Bank staff are to be allowed to monitor the bank accounts of the elderly to see if relatives, friends and carers are stealing money. At first glance this may well seems to be a good thing. However, banks staff swear to keep all bank information private. Instant dismissal is the penalty for telling others about a customer's financial status.
The thought of bank staff having the authority to pass on private information to government is frightening and will, no doubt, be challenged in court. Of course people with dementia will have someone managing their bank account. Reporting a carer just because a customer is permanently incapacitated is stupid. You don't need special training to see someone has decreased capacity to manage their own affairs.

Smart Sparrow's who are developing the app to do this are wasting their time. Society will not accept bank tellers snooping into their affairs. It will not be allowed. Tremendous damage will be done to families on mere suspicion. Tellers will be expected to examine the accounts of people who just look mildly incapacitated. Bank staff are not qualified to judge health issues.

Can you imagine a social worker knocking on your door based in the perception that the parent you are looking after looked a bit lost in the bank? Surely, social workers have got better work to do than snooping around perfectly innocent family members. Smart Sparrow's seems stupid to me!
Technology by Ty Buchanan
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            Australian Blog   Adventure Australia

Paying by Smart Phone

There isn't much doubt that all future purchasing and banking will done with a smart phone. New tech being tested like no pin number or signature payments are just "fill ins" until the final technology is perfected.

An old idea that has fallen by the wayside is having a picture of a card holder on the card itself. Just why this concept was dropped is unknown. The only card now with your photo is your driving licence.

Paying with a finger print is also something thought about, tested but never marketed. Retail at the moment is a mishmash of different methods of payment including the old fashioned cash payment. Older people still like to draw cash from an ATM. They like the idea of having cash on them so they can pay immediately. Immediacy will be even quicker using a smart phone.

Bendigo Bank has developed a system where a phone app generates a random code to finalize a transaction. They have been using such a system in the UK for many years now.

Eventually, a phone held against one's skin will take a measure of blood flowing through. A partial DNA reading will be taken which will verify that the phone owner and bank account holder is indeed the correct person. Much of this is possible with existing technology.
Technology by Ty Buchanan
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     Australian Blog                         

Trojans are Beating the Banks

Everyone is spying on everyone else. This is a matter of fact. Life has changed so much since the advent of the computer. Trojans are easy to create and even easier to spread. When you log on to just about any site trojans flood onto your system. Even if you delete them they are immediately put back on your computer again. They do their work as soon as you start work on anything, sending information back to the target source.

PCs, tablets and mobile phones are all vulnerable. New trojans are created daily in their thousands. Some are very damaging. The presence of the Hesperbot banking trojan doubled in two weeks. They spread like "wildfire". Emails commonly contain phishing bugs that look like real banking communications. They are after your username and password so they can empty your bank account.

When you are working on your PC have you ever had a txt file mysteriously open on it own? This could indicate keystroking where what you type is being watched and in many cases a foreign source is controlling your computer. Everything you see on your PC is being seen by another person.

This is a warning - do not save your banking username and password in a txt file in the Documents folder or in a password managing program. Password programs can be cracked and every password you have to all your sites can be accessed. If you cannot remember your password store it on a device that can easily be disconnected from your computer.

We do not know what the future holds. However, a bank login site can be copied exactly and look like the real thing. Do not click a link in an email that seems to be from your bank. You could be taken to the rogue site. Once they have your username and password they will empty it of money in a few minutes.
         Internet by Ty Buchanan

Gene Bank Needed to "Save" Endangered Native Animals

There is no way that Australia can prevent the extinction of some native animal species. Some can  be preserved with a national gene bank. Though a seed bank has already been set up to save native flora, nothing is planned for fauna.

Present debate is centered on the loss of the northern and southern gastric brooding frog. If a gene bank had existed the frog would have been preserved. Australia has the worst record of native animals going extinct than anywhere else, not something to be proud of. Over 40 birds and mammals have disappeared since European settlement.

Because government has been slow in allocating resources, private organizations have started gene banks. Indeed Taronga Conservation society Australia has stored genes from 20 native animals. This is far from adequate. Over 2,000 species need preservation.

With the Taronga Conservation Society Australia, the Animal Gene Storage and Resource Centre of Australia at Monash University has a total of 100 endangered species in storage. Funding from the public and enterprise supports these "frozen" storage facilities. Nothing has been added for four years due to lack of resources. Looking the other way is not the solution.
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Conservation by Ty Buchanan
     Australian Blog                         
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The Part-time and Casual Culture

Despite the boom times in Australia which has finally peaked, a significant proportion of working Australians do not have permanent full-time positions. This is because both sides of politics have freed-up the hiring contract between employers and employees.

The claim that bank holiday and annual leave pay is included in the casual rate is rubbish. People are hired for a per hour fee. No moneys are set aside for rest day payment.  Part-time employees can be called in to work at any time of the day or night.

Even in management the market is distorted. Tests to find the "ideal" personality to do the job have never been tested in the real world. They have been written by university people who teach and must write a certain number of papers for "respected" journals.

Governments are reducing employment in the public sector. When they have to get the work done in future by the private sector the real cost will become apparent.  While contractors offering specific skills do well, many are not making a profit.  Many private contractors, for example truck drivers, run at a loss. As they work, their debt to the banks increases. Ultimately they may have to sell their homes to clear their debt. Furthermore, they have to take drugs to stay awake because they drive day and night. In effect they are forced to break the law.

Today, production runs are getting shorter. This is due to improved production-line machinery. If the line is run for a few years the world market can be flooded. Restricting production by monopolies becomes a genuine profit maximizing policy.

The future job market looks spasmodic and uncertain. The forced superannuation policy of government will break down as the newly unemployed take early payments from their retirement fund to survive in the present.
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Australian Blog                         

Return on Savings to Fall

Banks are to significantly cut the return on money invested. This is not surprising considering the Reserve Bank of Australia (RBA) is cutting interest rates. As the banks follow the RBA down, which they are not obliged to do, they must cut outgoings on term deposits for example.

Considering banks make 60 per cent of their funds from various savings products, it is no wonder cutting what they pay out is on the horizon. If rates fall much lower people will be drawing out their savings and hiding their "loot" under the bed.

Customers are borrowing less because the bar for loans has been pushed too high. Well, perhaps that is a good thing. Australians were condemned for not saving enough; now they are criticized for not borrowing enough.

With an election date already set the government will push for full RBA flow-ons in the popular media. This does not look good for retirees who rely on money put aside in investments for their retirement. Money is getting cheaper in the wholesale market so fewer deposit options will be offered by the banks.
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Australian Blog                        

Who Do We Owe Money To?

Everyone is in debt. That seems to be the case. But if we all owe money to whom are we indebted? Who are these fat cats who spend their days on the beach having cool drinks brought to them while they while away the time sunbathing?

If truth be known the money does not actually exist. It has been created in the books of independent and national banks. In centuries passed the local blacksmith acted as the bank. Gold, silver and promissory notes were left in his safe. He soon became aware that the "goods" left for safe keeping would not be taken out by the owner for a very long time, if ever. For storing the valuable minerals and promissory notes he gave promissory notes in return. This meant that he could create money. He could also give loans, a large part of which would return directly back because the debtor opened a new account.

When large private banks started, governments gave an assurance that a run on an institution would be protected by public money. We have seen how silly this concept has proved to be by the US and European governments bailing out private banks. Private debt has become public debt. This on top of the mushrooming private debt worldwide.

Much of Western debt is owed to China which buys US bonds. It is a mistake to believe that it wants the money back any time soon. If it did the world economy would grind to a halt. Then, who would buy its exports?

The real problem is economics. This social science is just theory. There are complicated models that do not apply to the real world, with demand and supply curves, meeting long term average costs and so on. Real business doesn't operate that way. There is not one model for cost plus 10 or 20 percent, or get it cheap and sell high until demand stops then throw the stuff out. That is how business really runs. Note the supermarkets, they don't cut the price of everything that doesn't sell. They would rather throw it away than sell it. After all, they make the supplier take the loss. Economic advisers have not helped one government to balance the books. And the advice they are giving now to raise taxes and cut spending will surely prolong the recession. Cutting debt is like turning the water tap down - someone has to go without! Let's be honest much of this debt will never be paid. It doesn't really exist.
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