re:fannie mae is being sued

SAY WHAT? I read that 5 times and still don't get what your problem is. There are about 10 different run-on sentences. I guess you "seen" things happen a lot.
All I can figure out is this:
Apparently english composition is not required to receive a BA.

Get a grip.

 

Gee, humblemarc... how ironic. That's exactly what I was thinking. In another thread, I tell Sassy what my gripe is with the US government, and you reply by making unsubstantiated (does that get to count as "vague"?) and possibly inflammatory remarks about a) me in particular and b) the African-American community in general.

pot...kettle...black (so to speak...)

But before I accuse you of not having the dignity to give a response, I'll do the honor of posting a link, if you choose to reply:


http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&pgnum=2&postid=244069#post244069

 

Okay, i thought i was clear in all my other posts before you responded. But i will say it again using myself as the example. I grew up in the inner city of New York and Cleveland. If you know anything about these places, then you know it is not a "rose-colored" existence. Every day of my life, i heard about how "the man" was keeping "us" down, and discrimination made it twice as hard for a Black person to make it in the world. Well, that didn't make sense to me, it sounded like a cop-out, or better yet, why not do something about it? So that's what i did! I worked my ass off throughout high school, because my parents told me they wouldn't be paying for college. While my friends were still complaining about "lack of opportunity", i was reading, playing sports, doing community service, anything to get into college. Well, guess what, i got full academic rides to NYU, Duke, and Princeton among others.
That was a long time ago, and i have pretty much accomplished everything i have wanted to in life. Somethings were "handed" to me, but i put myself into a position to accept those opportunties. I have traveled the world and seen cultures most people never experience. Which is where i get my perspective from. Nothing is as universal as a sincere smile or kindness. it crosses over every culture, race, sex, age, etc. i have SEEN, not read about, atrocities in other countries, that WERE condoned and sanctioned by the govt. Things that make discrimination in America seem silly.
Yet, when i go back home to family and friends, i see them in the same rut, saying the same thing about how "unfair" life is. Well, you know what, i was in the same situation, and instead of bemoaning my "disparate" skin color, i CHOSE to succeed regardless of what was holding me back. And somehow, people all over the world, do the same things with less opportunity, education, money, than anyone in America has. In fact, most great people, have done great things, despite, overwhelming obstacles.
So (if you read my mini-lectures through several different threads) i will be the first person to say, that the govt. and corporations, and anyone in power, is not "our" friend, but it's not the friend of any class of people, but themselves. That's the point. I'm not the next revolutionary trying to change the entire system, that rarely how it works. It involves small pockets of awareness that grow into powerful movements.
All i can do is change my personal situation, my personal awareness, and perspective and hopefully that "light" will shine on others and "ignite" them as well.

I hope this is an adequate response.

humblemarc

 

humblemarc,

I am replying in the "fannie mae was sued" thread as not to hijack this guy's thread and in an attempt to keep my reply on topic.


I'm not asking you to reply. I just want you to know that I am not ignoring your response above.

 

REPEAT...

IT'S US AGAINST~~~THEM (CA'S/CRA'S/CREDIT CARD COMPANIES)

 

Gucan2,

At first, I thought that maybe you were just typing really fast!! No. I have to say this. Your grammar is horrible. I can hardly understand what you are saying. You're a college graduate? I assume you didn't do well in english. Please work on your grammar. It will help you to communicate more effectively, and it's true that knowledge is power. I hope that I haven't offended you because that is not my purpose.

Sirrowan

 

I was feeling bad for you, gucan, because you have suffered the pain of racism, and I was ready to stand with you. I am not going to defend your last post, however. Having suffered the pain of racism does not give you the right to turn around and spew the hatred that was directed at you onto other people. I think what that poster meant to convey was that you were not expressing yourself very well, and your post was hard to follow. I also found that to be true. I think it was meant constructively, and you took it personally.

If you want the people here to understand what you write, then you must express yourself clearly. How can we communicate with each other about real problems that exist if we can't understand each other?

 

ok, here's the other thread:

http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&pgnum=1&postid=244286#post244286

When Gucan2 first started this thread. I thought, still do, that he was using and offering examples of overt and passive discrimination, specific examples from his life, so that I would more fully understand what it means to be discriminated against as a black person in America. I thought he was trying to connect with me, based on my postings from the other thread. He did that and he did it well.

The word discrimination doesn't capture the essence of the hate and the ugliness that goes with the overt acts and the systems, processes and feelings that bubble beneath the surface that are passive or disparate.

At first I read the swaying post from Gucan2 as a response to marc's last post on the other thread; then I read it as Gucan2 standing up for me and that perhaps he thought that marc was making light of swaying, singing and bic flicking as being perhaps naive on my part.

I think they have both figured out as this thread progressed that they were misreading each other and both share the desire to not forget the discrimination and our history but to understand it, learn from it, teach it to our children and still live and live well despite it; while taking steps and being hopeful that we all will one day live in an america that is color-blind.

Somehow we ALL have to figure out how to live within the existing discriminating boundaries, I hope everyone is outraged, while taking steps to absolutely stop and reverse that discrimination AND see that the SAME data accumulating, labelling, boxing and manipulating systems (read the CONSUMER reporting agencies and experian in particular -- we have to do away with the lie that it is a CREDIT report, it is that PLUS so much more) that are perpetuating economic discrimination in America today (disparate impact or passive discrimination -- I don't care what label you want to give it) is setting itself up and in fact beyond that, is an international organization, owned lastly and now by EuroDirect and intends to emerge as the international CONSUMER reporting agency that America is a part of and that WE, ALL OF US, regardless of color, live in.

That we are beginning to sit up and take notice of places like microvision http://www.tetrad.com/pub/prices/microvision.pdf

Posted by mkxt from this thread:
http://consumers.creditnet.com/stra...3964#post243964

and this:
http://cluster2.claritas.com/YAWYL/....wjsp?System=WL previously posted by breeze

is only the tip of the iceberg. As marci posted, the problem goes far beyond Fannie Mae.

Do a search on experian and geographic code; geodemographics and experian or MOSIAC or equifax and microvision or experian international and prepare to be shocked. The implications are mind-boggling!

This isn't an episode of the x-files or a conspiracy theory from paranoia magazine, this is our life, this is NOW!

Take a look at your individual reports and see that "geographic code" listed by experian. Equifax and TU have them as well, they just don't show it to you.

It is beyond experian knowing what size tampons I buy, shaving cream you use and cereal your kids eat. It is our medical conditions, medicines, insurance, accident histories, work histories, the births and blood types of our children and what diseases likely will be in their futures.

It is an international boxing, labelling, and "segmenting" of people, people of the world -- it is a data equivilant of ourselves and our personas. All owed by another country!

Bigger than individual discrimination is international discrimination by country. ECONOMIC discrimination against you AS AN AMERICAN. Those computers don't care that you are black OR white, those computers only care about your nationality.

Our President has declared the U.N. irrelevant, most of the world doesn't like US, they don't like the US that is the USA, they don't care what color we are either, they only care that we are an american. We are beating the war drums to attack Iraq, all we talk about is chemical, nuclear and massive weapons of destruction. Mandatory smallpox vaccination and quarantines, follow the Model Emergency Health Powers Act (MEHPA) and it's implementation in your state: www.vaccinationnews.com

Our american economy is intertwined with the global economy, how better to negatively impact our lives, each of our lives, to our very core but through an international CRA. Holy shit, we gather here everyday trying to deal with the CRA's, take that to an international level.

The information is there, the programs are there, the process is there, the company is there!

Which takes us full circle, we have to figure out how to live with it in our daily lives (that's how these threads got started) -- how it is being used now. While at the same time taking action to stop the discrimination in our country.

At the same time, we have to see the bigger picture of experian international and the mind-boggling impacts and implications of that system -- that system that now exists and is freely used in other countries (see experian in the UK for a peek).

Our collective white and black butts are hanging out for all the world to see!

Sassy

 

Here's a sampling and it's only the tip of the iceburg:

You are where you live -- Birds of a feather flock together:

Experian -- US Mosiac and Global Mosiac
http://www.appliedgeographic.com/mosaicdocspdfs/finalunderstanding.pdf.

http://216.239.51.100/search?q=cach...g.pdf+microvision+and+experian&hl=en&ie=UTF-8

Privacy and the phenetic urge: Geodemographics and the changing of spatiality of local practice

http://baja.sscnet.ucla.edu/~curry/Phillips-Curry-GDP.pdf.

http://216.239.33.100/search?q=cach...geographical+code+and+experian&hl=en&ie=UTF-8

Fannie on Geodemographics (wanting to be just like the UK): http://www.fanniemaefoundation.org/programs/jhr/pdf/jhr_0901_birkin.pdf.

MOSAIC

The Mosaic system was created by experian...

http://df.clients.compcenter.com/catenate/files/mosaic_info_sheet.pdf.

http://216.239.33.100/search?q=cach...geographical+code+and+experian&hl=en&ie=UTF-8

Mosaic background mapping features: http://www.micromarketing-online.com/factsheets/backg.pdf.

http://216.239.35.100/search?q=cach...geographical+code+and+experian&hl=en&ie=UTF-8

Mosaic data mining: http://df.clients.compcenter.com/catenate/toolbox.cfm?action=stories&storyid=34

Mosaic (Experian) in Great Britian:
http://datalib.ed.ac.uk/EUDL/appendixc.html
http://www.spamarketing.co.uk/databases.htm

Data is currently available from the 1991 Census - information ranging from age and social class to housing type and ethnicity. When the latest information from the 2001 Census becomes available in mid 2003 SPA will again be using this information in analysis projects and offering pre-packaged databases for incorporation into your own GIS.

Using the Government's Births and Deaths Register as a source, SPA has put together a comprehensive postal sector database looking at Births and Deaths statistics across the nation. Information ranges from numbers of births, first time mothers, previous births, age of mother and social class of parent. On the "darker side", we hold the number deaths, death rates and deaths by age and gender.

Homogeneous Neighborhoods Across the Globe: The MOSAIC System

MOSAIC is another typology for neighborhood classification that was first developed in Europe by the CCN Group, the consumer credit subsidiary of the Great Universal Stores retail conglomerate of Manchester, England. An American version of the MOSAIC classification system was designed after CCN merged with Experian in 1996. Experian was formerly TRW Information Services, one of the three leading credit bureaus in the United States and a subsidiary of TRW, the Cleveland-based manufacturer and defense contractor. Previously, the TRW credit unit joined with Claritas and National Planning Data Corporation to create the P$YCLE household financial segments.

Spatial segregation in America is created by the location and investment decisions of the real estate industry, reinforced by public policies that reflect industry biases. As a result, there is unequal access to housing, employment, and services within metropolitan areas. Location and investment decisions are informed by market analysis that studies and predicts the trends of supply and demand, and household income and expenditures. By the 1980s, with the expansion of consumer spending and debt, the growing market power of multi-state and national real estate investors, and the erosion of fair housing and civil rights enforcement, these conventional methods of real estate market analysis were revised by demographic â??clusterâ? profiles. These neighborhood profiles create stereotypes of consumer behavior and preferences by race, class, gender, age, ethnicity, and household type that are clustered spatially by zip code boundaries. Using data bases derived from consumer marketing and finance, demographic companies designed a national system of neighborhood cluster profiles to guide real estate location decisions and financial investors. Meanwhile, demographic profiles of crime were developed to intensify police surveillance of blacks on highways and in shopping malls â?? a controversial policing method known as â??racial profiling

The U. S. MOSAIC system has 62 neighborhood segments (the same number as PRIZM) grouped into 12 categories defined by metropolitan location, income, and age. MOSAIC uses population, housing, and socioeconomic data from Census block groups â??to ensure that each segment is homogeneous in terms of demographics and the consumer behaviorâ? (Experian 2001). Demographers designed MOSAIC to be comparable to the geographical cluster segments and â??minority/ethnicity representationâ? of the PRIZM and ACORN® classifications. The MOSAIC clusters are more region-specific, organized in â??a simple hierarchical structureâ? that suppresses racial labels. But the three lowest-income black and Hispanic urban renter neighborhoods in the MOSAIC Major Market Cores group are redefined as â??Hardened Dependencyâ? when converted to the Global MOSAIC system â?? Experianâ??s international typology for neighborhood classification. The 12 neighborhood groupings of U. S. MOSAIC, and their relationship to the 13 groupings of Global MOSAIC, are shown in Figure 3.

Experian employs Applied Geographic Solutions to manage the distribution of MOSAIC and related geodemographic services. The MOSAIC classification system is integrated into the web-based â??micromarketingâ? demographic technology of SRC, for real estate and bank branch location analysis. Experian and its two business partners are based in suburban Los Angeles. A leading client of SRCâ??s site analysis services is the Certified Commercial Investment Member (CCIM) Institute, an affiliate of the National Association of Realtors

PRISMâ?¢ and MicroVision 50â?¢ are trademarks of Claritas
Corporation MOSAICâ?¢ is a trademark of Experian Corporation. ...

EuroDirect Acquires Microvision ... http://www.eurodirect.co.uk/Pages/PR.DM_Show.html
EuroDirect Launches European & American Targeting Solutions At The DM Show

The DM Show provides the ideal platform for EuroDirect to launch its full range of Classification and Marketing GIS Software for Europe and America.

With systems now available covering Western Europe, the United States of America and Canada, EuroDirect are now able to provide International marketers with the means by which they can accurately identify and understand profitable consumer groups and use this knowledge to execute targeted global campaigns for customer recruitment and retention.

Each of EuroDirect's International CAMEO Classifications are highly discriminative and intuitive segmentation systems which can be used to profile and accurately pinpoint pockets of consumers within Europe and America that may be relevant to specific marketing propositions.

http://www.eurodirect.co.uk/Pages/late_arcPR.html

http://www.eurodirect.co.uk/Pages/late_arcPR.html

Claritas = Experian, scroll down to find experian and TU as well
http://www.claritas.com/5_company_info/sub/partners.htm

http://www.nets.kz/ilia.nets.kz/g_text.html
Geocentrism The organization views the whole world as a market and standardizes accordingly.
Geodemographics databases link together data from the national census with other information, relating to credit ratings for example, to enable identification of different types of households. Using cluster analysis, the country is broken down into neighborhoods of around 150 households. The basic assumption is that two people living in the same neighborhoods are more likely to be similar than two people chosen at random.

Equifax
Equifax provide marketing information and market profiling services as well as many other products, including credit information provision and vehicle history checking.
Address:http://www.equifax.co.uk

TU's Geo code: http://www.openonline.com/pdf/tu_guide.pdf.

 

Well put, Sassy,

Once again, you have shown that you truly get it. Sheesh, you did enough research for a thesis. Well done. Once i find a complete link, I will also post the "Treaty of Rome" which occurred in the 1960's. It's hard to find the complete information because it was supposed remain a "secret" document outlining the processes needed to set up a "One World Order" and the infomation-gathering of people, that is obviously being used for less than noble purposes. The sad thing is, back then, Americans would have overthrown the govt. if they had know such invasions of privacy were being conducted. Nowadays, it has become so accepted that we mumble about "big brother" and go on with our lives.
As Sassy's links show us, this has become much bigger than race, religion, sex, etc., it shows the attempts of the "powers that be" to affect every person's "rights to life, liberty, and the pursuit of happiness." Americans are seen as the biggest threat, because once you free a caged animal, it's almost impossible to place that animal back into a zoo.

humblemarc

 

marc,

Honest, it's in the Treaty of Rome? I had to pick myself up off the floor.

I wish I could count on you posting back that you were kidding, but I can tell you weren't.

I don't know what to say, I really don't know what to say. Puppets is the plan or sheeple?

I do hope you find the link, I'd love to read it.

Thank you.

Sassy

 

Gucan-
Get over yourself.

 

whoaaaaaaaa, shut my mouth!!!!!!!

Did you know, anyone? that the USA, that's right, the United States of America is a "state" under the Treaty of Rome that is the foundation of the European Union.

We are a STATE of the EU.

President Clinton signed it on his last day of office.

Sassy

 

yes, i did. i can't find any links to the original document of the treaty, but i remember reading them for my senoir paper in college. i may need to go the library or college bookstore to find those and the commentary on those.

humblemarc

 

No worries, marc:

http://www.hri.org/MFA/foreign/treaties/Rome57/

I remember hearing about the implementation and effective date of the International Criminal Court but I sure don't remember being advised we are now a state under the EU.

I'm pondering about the lack of media attention to that HUGE fact.

Sassy

BTW -- We have to do double-time swaying now!