Friday, December 30, 2011
Higher education is a rip off
Wednesday, December 28, 2011
Strangely, bankers never seem to fall through the cracks when it comes time for free money
Republican accomplishment: preventing predatory lenders from being prosecuted
"That was the CFPB in 2011: docile and crippled. But many Republicans in Congress remain convinced there's a wolf under those sheep's clothes, just waiting to tear out the throat of American businesses.
They've steadfastly blocked the nomination of former Ohio Attorney General Richard Cordray to head the agency, and without a director, the CFPB's powers are severely limited. The agency can exercise the authority it inherited from seven other agencies, but it can't perform what is perhaps its most important new function under the Dodd-Frank Act: policing the murky world of nonbank lenders.
Instead, the CFPB in 2011 released reports, created task forces and made new, simplified forms for mortgage disclosures, credit cards and student financial aid. But it didn't bring a single enforcement action against a predatory lender."
http://www.law.com/jsp/nj/PubArticleNJ.jsp?id=1202536608348&et=editorial&bu=New%20Jersey%20Law%20Journal&cn=NJLJ%20Daily%20News%20Alert%3A%20December%2027%2C%202011&src=EMC-Email&pt=New%20Jersey%20Law%20Journal%20Daily%20News%20Alert&kw=ROCKY%20START%20FOR%20NEW%20FEDERAL%20CONSUMER%20AGENCY%20&slreturn=1
Interesting post on the science of making popular music
"pop music, while not necessarily devoid of substance, is something of an item where substance has little or no positive or negative value on its appeal."
Either way, a scientific formula for popularity doesn't scare me as a music fan. worst case scenario, the big labels and their affiliated vehicles (radio, tv, etc) become even more fearful of wasting airtime (or whatever) on music that falls outside their formulas. That hasn't stopped real rock & roll yet - because so long as there are people that want it raw, there will be those that serve it. Besides, a sonnet or a haiku are forms of poetry with strict format rules. Yet within those forms there are poems that accomplish the bare minimum and poems that knock your socks off. No matter how formulaic pop music becomes, there will always be the potential for somebody with true talent to use the formula to shine.
Researchers Claim to have Discovered the Secret of Successful Pop Music
Techrights group calls for Apple boycott - Android lawsuits show something's off | TechEye
idiots are taking over everywhere
Tuesday, December 27, 2011
Friday, December 23, 2011
justice for police misconduct: when the widow is lucky enough to get a settlement at tax payer expense
Photo shows pepper-sprayed prisoner
And when I was your age . . . .
The New Internet Will Make You Sad Forever
Nice concise discussion of patriotism vs. spirituality discussed in a book review
"The lack of tension between any particular Christian community and any particular political orientation should be taken as a dangerous sign of a potentially compromised witness."
and also
"I was reminded of the "redeemer nation" vs. "Redeemer's church" distinction last summer, as I attended an evangelical worship service with my family. The music morphed from a praise chorus to a patriotic anthem and back, complete with an American flag waving on the big screens. Having grown up in evangelical circles, this hardly fazed me, but my 11 year-old daughter shot me a confused look to signal that something had gone terribly awry in her view. Having grown up Catholic, she has no experience with a "redeemer nation." I will maintain that evangelicals have many things they can teach Catholics, but the more-than-occasional blending of patriotism and worship is not one of them."
Mirror of Justice: Unconservative evangelicals
A loss for freedom
Traditionally, the popular mind didn't think of patents and other forms of intellectual property as limitations on our freedom. Rather, people just thought of the patent as a reasonable vehicle to help an inventor reap the rewards of his ingenuity by preventing imitators from riding his coat tails. One of the reasons we thought of it this way was because most people weren't in a position to invent anything. Sure, we've all heard the stories of people coming up with novel devices that change our everyday lives and striking it rich, but for most of our lives the invention/patent game has been dominated by corporations. These corporations don't necessarily patent actual inventions - they often patent concepts. Then, when a competitor actually puts the idea into practice - not by copying, but through honest hard work - the patent holder uses the threat of costly patent litigation to to either freeze their competition out of the marketplace or extract a licensing fee as part of a settlement.
In the article linked below, we see Apple using patents and international law to freeze HTC Android phones out of the American market. I don't like the result - or software patents in general -but at least Apple versus HTC is a fair fight. Because HTC fought, it was able to prove that two of Apples patent claims were completely bogus.
People are starting to realize the ugliness of the world of patents because we're living in a time where anyone can develop a small but useful computer application. Small application developers receive threats of litigation all too often - with accusations that they've violated vague and dubious software patents. These small develops can't afford to fight the way HTC did, so they agree to pay a portion of their proceeds to the patent troll.
What if you developed a code that did something useful - not by copying, but by figuring it out yourself - and Apple sued you because they claimed one or two lines of the code violated the type of invalid patents HTC was able to beat? Could you afford to fight the way HTC did? It would cost a lot of money, time, and resources - likely far more than the profits from your application and almost certainly enough to prevent you from investing in a follow up application. So, more likely than not, you'd be bullied into either pulling your application from the market or paying Apple a tax.Apple wins ban of HTC Android devices at US International Trade Commission | The Verge
Thursday, December 22, 2011
fair game. i'd like to see it more fairly applied
and you know what? i think its healthy for the Ron Paul cult to hear about his flaws - and even healthier for society at large to see how defensively the Ron Paul cult reacts to negative press. I like Ron Paul on foreign policy, I don't agree with him on domestic policy, but his rabid followers make me take his whole message less seriously.
however, people make mistakes and people change. believe me, i can appreciate that. its fair to explore the issue, but more productive to look at his consistency with his current platform - and whether that platform makes sense for America.
and i think its amazing that the mainstream media justifies resurrecting this old story because Paul has taken a lead while they buried Newt's past during his recent rise - and even gave credence to supportive urban legends. And Mittens has been given the easiest media pass since Obama. Mittens is the media anointed candidate that no Republican outside the power structure actually seems to like.
Maybe the bias has something to do with the media companies being subsidiaries of the war pig welfare queens that would lose big if we ever focused on building our nation instead of destroying others.
Ron Paul Storms Off CNN Set After Questioning Over Racist Newsletter - Yahoo! News
Wednesday, December 21, 2011
Tuesday, December 20, 2011
Two interesting passages from this mojo article
"One reason the concept of an economic 99 percent first took root in America rather than, say, Ireland or Spain is that Americans are particularly vulnerable to economic dislocation. We have little in the way of a welfare state to stop a family or an individual in free-fall. Unemployment benefits do not last more than six months or a year, though in a recession they are sometimes extended by Congress. At present, even with such an extension, they reach only about half the jobless. Welfare was all but abolished 15 years ago, and health insurance has traditionally been linked to employment . . . Once an American starts to slip downward, a variety of forces kick in to help accelerate the slide"