Archive for the obsidian defined Category

a little cleavage never hurts the vision molly

Posted in obsidian college, obsidian defined, obsidian entertainment, obsidian healing, obsidian lore, obsidian magic, obsidian practices, obsidian super hero, obsidian vision cannot override bad decisions which yield bad results, obsidian web development with SEO with tags , , , , , , , , , , , , , , , , , , , , , , , , , , on October 18, 2009 by obsidiangirl

How to

Boost

a Healthy

Bust

Boost a Healthy Bust

Boost a Healthy Bust

Fashionable ladies know that sexy cleavage is always in style, and that sagging breasts can look really untidy. However, the boob game isn’t always a sure bet – even when there are top stylists available to help make magic happen.

“Cosmopolitan Magazine” took a look at some top stars to see how they handle their bosom buddies. Even with the assistance of stylists and fab friends, dressing to accent a healthy bust is still a hit-or-miss proposition. Judging from pictures, it’s all too easy to crush, restrict, or otherwise flatten a really great bust line.

Take Lauren Conrad, for instance. Her small, youthful breasts end up becoming lost beneath a tight, confining evening dress bodice that offers little support, combined with an non-supportive open halter neckline. In Cosmopolitan’s opinion, “The wide straps [of her dress] press down on Lauren’s breasts, making them appear uneven.” The solution? Simple underwire cups, which lift and hold the breasts securely.

Also, never forget that the key to a healthy bust is good treatment and care of the breasts. This means regular breast self-examinations and mammograms – not just a drawer full of the latest Wonderbra. With proper dressing and good self-care, beautiful cleavage is just a moment’s dressing away.

//

Difficulty: Easy
Instructions
  1. Step 1

    2008 wishuponacupcake / Creative Commons

    2008 wishuponacupcake / Creative Commons

    Perform a breast self-examination every month right after your menstrual cycle to maintain breast health. According to the American Cancer Society, “an estimated 192,370 new cases of invasive breast cancer are expected to be diagnosed among women, [with] an estimated 40,170 women expected to die from the disease in 2009 alone.” For instructions on this quick, painless procedure, check the instructions from the American Cancer Society in the links below.

  2. Step 2

    If you’re over the age of forty, get a mammogram every year during your check-up. A mammogram is a deep scan of breast tissue that enables doctors to see hard-to-feel lumps and growths.

    During the test, “the woman will be asked to undress from the waist up only and stand next to the x-ray machine. Two flat surfaces will compress one breast first, then the other for a few seconds.” The National Breast Cancer Awareness Month website urges these simple tests as valuable preventative measures, so don’t procrastinate.

  3. Step 3

    Enhance your healthy bust with beauty products and treatments that brighten and improve the look of cleavage. Regular exfoliation with a gentle body scrub, along with removal of extra hair from the area, will lead to more luminous cleavage. Because the bust skin is sensitive, avoid depilatories, body brushing or harsh scrubs in this area; a good wipe with a washcloth will do just fine.

  4. Step 4

    Make sure that your dress bodice fits your bustline. A too-restrictive bodice is common with strapless dresses, since women don’t want a wardrobe malfunction while out on the town. A surfeit of boning, or lots of structure, will kill cleavage by flattening it like a pancake.

    Instead, do what Jennifer Hudson does – wear a dress with a flattering, looser bodice that allows a bit of movement and a maximum amount of natural curvature. Big and small girls alike benefit from a bodice that supports, lifts and separates, rather than pushing the ladies into submission.

  5. Step 5

    Fake bigger boobs with some visual trickery. Ladies’ Home Journal recommends a dusting of bronzer between the breasts: “Sweep a line of bronzer between breasts to create a shadow (the shadow that naturally occurs when you have cleavage). Be sure to blend so bronzer is nearly unnoticeable.”

  6. Step 6

    2008 Sew Ripped / Creative Commons

    2008 Sew Ripped / Creative Commons

    Wear the right foundation garments with your clothing, and get a proper bra fitting. An ill-fitting bra is one of the top reasons that breasts look awkward and saggy. Whether it’s at Victoria’s Secret or the neighborhood lingerie shop, a good fitting will put you on the right track for breast success. From there, it’s easy to obtain a suitable conventional, strapless, or long-line bra to suit practically any outfit.

  7. Step 7

    Add fabric to the bust area to make the breast seem bigger than they are. Do this by wearing gathers, pleats or ruffles around the bodice area. Jewelry also serves to increase cleavage. Dresses and clothing with a dark bottom half and light-colored top half also add some inches.

is this the true armenian story???

Posted in obsidian defined, obsidian lore, obsidian super hero, obsidian vision cannot override bad decisions which yield bad results with tags , , , , , , , , , , , , , , , , , , , on September 21, 2009 by obsidiangirl

Armenians
From Encyclopedia Dramatica

This page contains spoilers — Important plot secrets and/or conclusions may be revealed. For example,
HOLY SHIT THERE WAS NO ARMENIAN GENOCIDE!!!1

Although Armenians (from the Greek armenios, meaning “hairy and yak like”) are technically Eastern European, you’d have better luck finding Oprah at a Klan rally than an Armo in Armenia after at least 100 years of ownage by their Turkish neighbors. Armenians are mixture of Middle Eastern DNA and over 9,000 years of incest. In Armenia not only can you marry your first cousin, you can marry your half-sister. They are easily mistaken for Mexicans with huge noses and usually dress like blind transvestite hookers (women) or decked out in G-Unit sweaters and gold chains {men).

Smarter than your average Jew, the Armenians knew a lose/lose situation when they saw it, so they moved in with their auntie and uncle in Bel-Air. Because they couldn’t find a way to lease their four BMWs as well as an apartment in Bel-Air they all immediately moved to Glendale. The cloud of cheap cigarette smoke and Kabob fumes linger over most of Brand Blvd. to this day.

Life was good for the Armenians in the Dale of Glen and so they stayed, buying up everything in sight and generally stinking up the joint. It is not humanly possible for anyone who is not Armenian to get a decent paying job in Glendale, CA as most Armenians will hire within their own race. The best thing you could do if you find yourself in this situation is to buy every gold chain and Sean John shirt in sight, chain smoke and make out with members of the same sex in hopes that you might be confused with an Armenian and get hired.

Before long, Glendale was overrun with gun totin’, G-Unit wearin’, bling-bling sportin’ Armo-Wiggers driving Cadillac Escalades bumpin’ shitty disco music with no bass through massive speakers around the sleepy hollow. The village elders acted swiftly and banished the nascent Armo gangsta menace to East Hollywood (aka the United Subculture Internment Camp), a place where immigrants of every race, creed and color go to chase the American Dream and every nationality gets it’s own four blocks to call its own. Unfortunately, the only thing Armenian women are good for (besides standing in front of you in the grocery line talking loudly on her cellphone) is pumping out half-retarded wannabe gangster children and Glendale was soon overcome by the menace once again.

Cautionary Reminders
Haik, the legendary ancestor of the Armenians. He wants to sell you a cell phone.
Haik, the legendary ancestor of the Armenians. He wants to sell you a cell phone.
Haik’s wife. She owns 8 hookah bars under her illegal incorporated company and still lives with her parents in Northridge.
Haik’s wife. She owns 8 hookah bars under her illegal incorporated company and still lives with her parents in Northridge.

Important things to know about Armenians

* Armenians don’t like you.
* Armenians are actually shape-shifting reptiles from another dimension.
* Armenians hair is actually a form of narrow reptile scale.
* Armenians like guns. A lot.
* Armenians evolved large brains in order to balance their large noses.
* Armenians hate you.
* Armenians have a complex system of underground tunnels that they use to ambush food.
* Armenians are highly venomous.
* Armenians are almost as dangerous as Koreans, though Koreans lack a self-preservation instinct.
* Armenians still don’t like you.
* Armenians are more dangerous Jews, though they lack great numbers.

As of writing, the concerned crackers of East Hollywood, are lobbying hard for a Little Turkey to be added to the neighborhood since the denizens of Thailandtown, Little Odessa, K-Town etc. have yet to quieten the Armo threat within.

Armenians think it is unhealthy to bathe more than once a month, so they use tons of Axe Deodorant Spray or other cheap scents to try to cover up they stank. What you wind up with is a putrid blend of aromas called the “Armenian Shower”.

Woody Allen once said “He was so depressed, he tried to commit suicide by inhaling next to an Armenian.” Then he went and married his daughter.

Armenians are full of self hate and often lie to people and say they are Greek. Also, if you ask any Armenian male, he will tell you he is 100% straight…he will then proceed to touch and stand too close to every Armenian male within a 50-mile radius.

Greeks often say that they like Armenians, but only because they don’t want to wind up in a Glendale Pickle Factory. [1]

Armenians send lots of money to their country to help it kill serve the subhuman Turks master Turks. Armenians never seem to get Troll’s remorse and thus self-hating Armenians are almost unheard of.

Most Armenian males will never admit how secretly gay they are.

As Told By Abram Magomedov

To the modern world today, Armenians are what Jews used to be for medieval Europe. Everyone’s heard about them, but no one’s actually seen them. Their hooked eagle noses, their gut wrenching BO, and their hairy women are the stuff of legend.

As if hairy arms, thick black mustaches, shapeless asses and inner-tube tummies weren’t torture enough, Armenian girls won’t screw you unless you put a ring on their finger. That’s because if an Armenian chick isn’t pure, she’ll never get married and will never become the Middle Eastern breeder she’s aspired for so long to become.

Anyway, after more than an hour cruising Yerevan’s tochkas, we finally found a banya stocked with two of its own in-house whores. After seeing the first whore – her face was pretty, but her body consisted of hairy arms, rolls of stomach fat, two stumpy legs and a big, shapeless ass – I told my friend that she was all his and I’d go with the next one.

That was a bad gamble.

The second whore – the whore I was now stuck with – could’ve easily passed for an overfed crack ho. Her matted, oily peroxided hair, pockmarked face masked by flaking white face powder, lard body and matching pink mini skirt outfit made her looked like a cross between the Bride of Frankenstein and Miss Piggy.

There was no chance of leaving for the next two hours – Armen was my ride. For a long while, I just sat in silence, watching Armenian TV and downing shots of vodka, before deciding that I just had to get it over with. I didn’t want to, but I didn’t really have a choice.

She took a shower, immediately put her pink bra back on and promptly lay down on the bed with her legs wide spread, exposing a dark hairy patch of hair that stretched from her lower stomach all the way into her ass. I took a shower too and she motioned for me join her. As I moved closer, the patches of curly black hair on her big toes hinted at why she put her bra back on.

Even though I realized what lay beneath, I appreciated that gesture. Staring at a pair of hairy nipples would have been far nastier than simply knowing that they were there. It would have made the whole thing impossible to complete.

I got on the bed and positioned myself on my knees between her legs but I couldn’t bring myself to lie on top of her. Her skin was a patchwork of red splotches and zits, a few of which on her shoulder had been scratched off and glistened with fresh blood and pus. Every inch of her body screamed biohazard. I was paralyzed with revulsion. Sensing that I needed help, she pushed me down on the bed, got between my legs and started to jerk me off. I thought it would be hopeless. No way was my dick volunteering for such horror. But no, a few unloving tugs and my dick starting coming to life. That was puzzling.

She got it into a semi-soft nub, slipped on a jimmy, rolled over onto her back and spread her legs again.

Resting on my knees and supporting myself with my hands so that I wouldn’t press against her body, I managed to get on top of her and position my dick as close as a I could to her snatch. She grabbed my dick and slipped it in. I couldn’t feel a thing. She attempted to pull me down towards her, but I resisted.

I closed my eyes, found a rim of her snatch that I could rub against and concentrated on fucking it. But I had no room and with every thrust I could feel her day-old leg stubble chafing my skin like sandpaper. There was no way I could maintain the little cock pressure that I had. I had to abort mission.

As I got up, to my horror, she actually enjoyed it. A lot. She smiled – and in her half-guttural Russian – promised me a freebie on my birthday. I drank vodka continuously in an effort to black myself out. It was a good thing Armen was driving. I wasn’t sure how he managed to drag me back into the car.

From that day on, the very mention of Armenia would numb me like a vodka hangover.
Fun Facts about Armenians
Fact!
Fact!
Even now, Sacha Baron Cohen may not fully realize just how closely Borat captured the true essence of being Armenian.
Even now, Sacha Baron Cohen may not fully realize just how closely Borat captured the true essence of being Armenian.
An Armenian cultural event (minus the pigs).
An Armenian cultural event (minus the pigs).

* Armenians are probably the most disgusting (alleged) race on the planet. They are fat, smelly, loud and untrustworthy. And that’s the good news.
* The Turks thought that Armenians were more worthless than the Jews; the ones they didn’t genocide were exiled to the apartment next-door to me in LA.
* When Armenians move to America, they insist on forming their own city/state by moving into the same apartment complex; all 1,000,000 of them.
* Armos make Jews look like Whitey.
* Armos also make Jews look like Bill Gates when it comes to their legendary cheapness. Armenians will haggle any price and are responsible for At least 100 cases of fireplace ashes swapped out for cremains, stuffing mattresses with used clothes, you know, that sort of third-world “I gotcha!” frugality dupe.
* No two Armenian men can be near each other for longer than ten minutes without doing something relatively homosexual.
* the Nu-Metal Band System of a Down is of Armenian decent.
* Armenian youth make wiggers look like NORPs.
* The “Armenian Genocide” is in fact true. Even though 2 million Armenians didn’t live in those times, the fact is that 2 million Armenians died as a result.
* Armenians have never killed anyone. Ever.
* In Armenian culture it is generally acceptable for a 40 year old man to be dating a 16-year old girl. That means that pretty much every Armenian man who doesn’t love the cock is a pedo.
* Most Armenians do not move out of their parents house until they are 73. Then they move next door.
* Armenians drive BMWs and buy all their groceries with food stamps.
* The ultimate goal for Armenians in life is to one day win the Eurovision song contest. This is to be done by diaspora voting.
* Armenian names are typically impossible to pronounce, and sound more like guttural throat-clearing methods than actual names.
* It is a known fact that for every year of an Armenian person’s life their nose will grow an inch, and when they reach a certain age, it devours them completely.
* Pretending to be an Armenian is the best way to troll Turks on the internets.
* Armenians have not been informed about the invention known as the trash can, so they use plastic bags.
* Armenians are drunken fags.
* The first freak show bearded lady was Armenian.
* Armenian children start growing chest hair at age 9.
* Given their inherent hairiness, some say that Armenians are really just furries.
* You ever see that movie Borat? Now you know everything there is to know about Armenians and Armenia.

True Story

In 1987, the city of Glendale had a problem with too many pigeons downtown. The mayor offered a $100,000 reward to anyone who could remove the pigeons. A man came to town and told the mayor he could solve the problem. He then took out of his pocket a little wind-up pigeon and let him walk down Brand Blvd. in the heart of downtown Glendale. Before long, all the pigeons in town followed the wind-up pigeon into oncoming traffic. Splat, splat, splat, no more pigeons. The mayor said, “This is AMAZING! I’ll triple your reward if you have a little wind-up Armenian!”

sometimes armenian deception lacks clear vision

Posted in obsidian deception, obsidian defined, obsidian gem history, obsidian magic, obsidian super hero, obsidian vision cannot override bad decisions which yield bad results with tags , , , , , , , , , , , , , , , , , , on September 19, 2009 by obsidiangirl

An Armenian Deception: “Who remembers Armenians? – Adolf Hitler”
Historian of Armenian Descent Says Frequently Used Hitler Quote Is Nothing But a Forgery

Baden-Baden, W. Germany – Dr. Robert John, a historian and political analyst of Armenian descent from New York City, declared here that a commonly used quotation of an alleged statement by Adolf Hitler concerning the Armenian massacres was a forgery and should not be used.

Dr. John demonstrated how he had traced the original document in the Military Branch of the National Archives of the U.S.A. after being handed a folder bearing the quotation at a rally outside the United Nations building in New York following the Turkish invasion of Cyprus.

The quotation: “Our strength is in our quickness and our brutality…. For the time being I have sent to the east only Death’s Heads units, with the order to kill without pity or mercy all men, women and children… Who talks nowadays of the extermination of the Armenians?”

Dr. John showed slides of this document, undated and unsigned, with some words cut out of the last page. The statement was supposed to have been made at a meeting of the top German staff of the Obersalzberg on August 22, 1939. The document was released to the international press covering the Nuremberg War Crimes trials on Friday, November 23, 1945. The trials had commenced that Monday. The document was one of several made available to the press that day. Two-hundred-fifty copies were given to press correspondents, but only five copies were given to the 17 defense counsels – 24 hours before the Court convened on Monday!

Much later in the trial, the German defense lawyers were able to introduce the most complete account of the address, taken down by German Admiral Hermann Boehm, which runs to 12 pages in translation. There is no mention of the Armenians or the rest of the “quotation.”

Dr. Robert John said he believed that the document was introduced to create a climate of hate which was needed to stifle the protests of eminent American jurists such as Sen. R. Taft and Chief Justice Harland Stone. He had discussed it with Gen. Telford Taylor, who had said, “I know the document you mean, I don’t know its provenance, and I have not used it in my own work.”

“We all believe that violence breeds violence,” said Dr. John. “There has been an increase in Armenian violence since this false inflammatory statement was given publicly. Films like ‘The Day After’ are a form of violence, and should not be shown to children – who are unable to evaluate their content. Films about the “Holocaust” are a form of violence and are harmful to us as well as to Jews. There is a high probability that the surprising violence and brutality shown by the Israelis towards the Palestinians, may be a result of being frequently exposed to these old scenes. Just as parents who abuse their children have often been abused themselves.”

Dr. John briefly traced the history of atrocity propaganda, particularly from the British – and later – American view. Real atrocities certainly occurred, but the deliberate fabrication and dissemination of atrocity stories increased the probability of their occurring. “Hate hurts the hater and hated. We are still living in the haze of distortions and actual horrors which occurred so long ago.” he commented.

“The time has come to stop psychologically damaging ourselves and our children by “Holocaust studies” and Holocaust” museums,” he continued. “The Armenian, the Jew, or the African, should not damage their development with a continual conditioning of hate, neither should spurious guilt be visited upon others. These negative preoccupations and obsessions are obstructing our evolution.”

Dr. John, whose paper is entitled “Information and Misinformation,” hails from Armenian parents who moved from New Julla, Iran to India. His father changed his name from Hovhanes to “John,” and subsequently the family moved to England. Dr. John studies law in England and holds a doctoral degree in political science from London University. He is presently a contributor to the London, England based The Middle East Magazine monthly, and in addition to giving lectures, is a frequent contributor to numerous magazines and publications. He is also the author of Palestine Diary, and specializes in Middle Eastern issues, including the Palestinian issue.

From The Armenian Reporter, Vol. XVII, NO. 40 August 2, 1984

P.O. Box 600, Fresh Meadows, N.Y. Telephone: (718) 380-3636

can deception ever be justified ???

Posted in obsidian defined, obsidian employment, obsidian hosting services, obsidian vision, obsidian vision cannot override bad decisions which yield bad results, obsidian web development with SEO with tags , , , , , , , , , , , , , , , , , , , on September 19, 2009 by obsidiangirl

Thesaurus: deception

Home > Library > Literature & Language > Thesaurus

noun

1. The act or practice of deceiving: cunning, deceit, deceitfulness, double-dealing, duplicity, guile, shiftiness. See honest/dishonest.
2. An indirect, usually cunning means of gaining an end: artifice, device, dodge, feint, gimmick, imposture, jig, maneuver, ploy, ruse, sleight, stratagem, subterfuge, trick, wile. Informal shenanigan, take-in. See honest/dishonest, means.

is this armenian logic ???

Posted in obsidian defined, obsidian healing, obsidian lore, obsidian services, obsidian super hero, obsidian vision cannot override bad decisions which yield bad results, obsidian web development with SEO with tags , , , , , , , , , , , , , , , , , on September 19, 2009 by obsidiangirl

Self-deception
From Wikipedia, the free encyclopedia
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Contents
[hide]

* 1 Theorization
* 2 See also
* 3 Notes
* 4 External links
* 5 Books
* 6 Journals

Self-deception is a process of denying or rationalizing away the relevance, significance, or importance of opposing evidence and logical argument.
[edit] Theorization

It has been theorized that humans are susceptible to self-deception because most people have emotional attachments to beliefs, which in some cases may be irrational. Some evolutionary biologists, such as Robert Trivers, have suggested[1] that deception plays a significant part in human behaviour, and in animal behavior, more generally speaking. It has been theorized that an instinct for self-deception can give a person a selective advantage, based on the rationale that if a person can believe their own “lie” (i.e., their presentation that is biased toward their own self-interest), the theory goes, they will consequently be better able to persuade others of its “truth.”

This notion is based on the following logic. In humans, awareness of the fact that one is acting deceptively often leads to tell-tale signs of deception. Therefore, if self-deception enables someone to believe their distortions, they will not present such signs of deception and will therefore appear to be telling the truth.

It may also be argued that the ability to deceive, or self-deceive, is not the selected trait but a by-product of a more primary trait called abstract thinking. Abstract thinking allows many evolutionary advantages such as more flexible, adaptive behaviors and innovation. Since a lie is an abstraction, the mental process of creating a lie can only occur in animals with enough brain complexity to permit abstract thinking[citation needed].
[edit] See also
Psychology portal

* Anosognosia
* Bad faith (existentialism)
* Cognitive dissonance
* Confabulation
* Distancing language
* Doublethink
* Double-blind
* Groupthink
* Indoctrination
* List of cognitive biases
* Point of no return
* Propaganda
* Psychology
* Religious deception
* Religion
* Rigour
* Self-fulfilling prophecy
* Self-handicapping
* Self propaganda
* Subjective validation
* True-believer syndrome
* Wishful thinking

[edit] Notes

1. ^ Robert Trivers (2002). “Natural Selection and Social Theory: Selected Papers of Robert Trivers”. Oxford University Press US. http://books.google.com/books?id=By3I9jsoBQkC&output=html&source=gbs_summary_s&cad=0. Retrieved 4 December 2008.

[edit] External links

* Skeptic’s Dictionary entry on self-deception
* Arbinger Institute – a consulting organisation based on Terry Warner’s work on self-deception
* Stanford entry on the issue

[edit] Books

* Leadership and Self Deception, by Arbinger Institute – talks at length about self-deception and its implications for leaders – in personal and public life.
* Anatomy of Peace – Resolving the Heart of Conflict, by Arbinger Institute

* McLaughlin, Brian P. & Amélie Oksenberg Rorty (eds.) (1988). Perspectives on Self-Deception. California UP: Berkley etc.

[edit] Journals

* Teorema, Vol. XXVI/3, Monographic on Self-Deception: Conceptual Issues, Autumn 2007
* Behavioral and Brain Sciences, Vol. 20 (1), 1997.
* Philosophical Psychology, Vol. 20 (3), 2007

be careful of the zombies, automated fraud = direct intent

Posted in Obsidian stone, obsidian defined, obsidian entertainment, obsidian hosting services, obsidian lore, obsidian web development with SEO with tags , , , , , , , , , , , , , , , , , , on September 7, 2009 by obsidiangirl

Zombie debt

Zombie debt is old credit card and other debts that are beyond the statute of limitations, so a debt collector cannot successfully use the courts to collect them. Although these debts no longer have the courts as an avenue of collection, there’s nothing to prevent debt collectors from asking consumers to pay them. In recent years, the debt collection industry has expanded, creating more agencies and lengthier efforts to collect. So from the consumer’s perspective, debts don’t die, they rise to live on and on. Like zombies.

Related Terms:annual percentage rate (apr), application fee, balance-to-limit ratio, chapter 11 bankruptcy, chapter 13 bankruptcy, chapter 7 bankruptcy, charge-off rate, co-signer, collection, cramdown, default, delinquent account, forbearance, late payment fee, penalty rate, piggybacking, roll rate, secured credit cards, setup fee, utilization ratio

sometimes piggybacking can have dangerous results

Posted in obsidian defined, obsidian healing, obsidian practices with tags , , , , , on September 7, 2009 by obsidiangirl

Piggybacking

Piggybacking is the act of improving your credit score or rating by becoming an authorized user on someone else’s credit card. By doing this, you receive all the benefits of having good credit without actually having built any of the credit yourself. It is most often used by parents with their children or with spouses. In recent years, the practice has become controversial because companies sprang up to act as middlemen, matching up strangers — one with bad credit, one with good.

Related Terms:annual percentage rate (apr), application fee, balance-to-limit ratio, chapter 11 bankruptcy, chapter 13 bankruptcy, chapter 7 bankruptcy, charge-off rate, co-signer, collection, cramdown, default, delinquent account, forbearance, late payment fee, penalty rate, roll rate, secured credit cards, setup fee, utilization ratio, zombie debt

some fraud requires vision to direct intentions

Posted in obsidian defined, obsidian practices, obsidian super hero with tags , , , , , , , , , , , , , , , , , , , , , on September 7, 2009 by obsidiangirl

Automated teller machine (ATM)

An interactive terminal with a touch screen or keypad that allows consumers with credit cards or debit cards to withdraw cash, check balances and/or make deposits using the magnetically encoded card to perform transactions. Most ATMs are interconnected via networks, allowing consumers to conduct banking or credit card business anywhere in the world.

Related Terms:affinity card, american express, arbitrage, bank account, cash advance check, chip and pin cards, credit life insurance, embossed, linked transfer account, near field communication, nfc, online bill presentment and payment, online financial transaction, payroll card, private label credit card, radio frequency identification, smart card, sms, stoozing, zip-zap machine

grace periods allow fraud to become automated

Posted in obsidian college, obsidian defined, obsidian practices, obsidian vision with tags , , , , , , , , , , , , , , , , , , on September 7, 2009 by obsidiangirl

Grace period

The grace period is the time during which you are allowed to pay your credit card bill without having to pay interest. The grace period varies by credit card issuer. In recent years, the grace period has been shortening; 28 days used to be common, 21 days is common now. The grace period usually applies only to new purchases. Most credit cards do not give a grace period for cash advances and balance transfers; instead, interest charges start right away. If you carried over any part of your balance from the preceding month, you may not have a grace period for new purchases. Instead, you may be charged interest as soon as you make a purchase, in addition to being charged interest on the earlier balance you have not paid off.

Related Terms:annual fee, application, balance-to-limit ratio, basis point, credit card, credit card number, debt, double-cycle billing, float, foreign transaction fee, index, introductory period, introductory rate (or intro apr), issuer, joint account, joint credit, line of credit, magnetic stripe, minimum finance charge, minimum payment, monthly periodic rate, new balance, payment due date, penalty rate, pin (personal identification number), utilization ratio

fraudulent user status requires vision, direct intent and a bit of automation

Posted in obsidian defined, obsidian gem history, obsidian practices, obsidian super hero with tags , , , , , , , , , , , , , , , , , , , , on September 7, 2009 by obsidiangirl

Fraudulent user

A fraudulent user is an individual who is not the credit cardholder or designee and who uses a credit card account to obtain goods or services without the cardholder’s consent.

Related Terms:1099, 1099-c, adjusted balance, annual percentage rate (apr), apr, arbitration, average daily balance, bank holding company, bankruptcy, billing statement, card member agreement, carders, carding, carding forums, cashing, chapter 11 bankruptcy, chapter 13 bankruptcy, cob fraud, community property, credit card accountability, responsibility and disclosure act of 2009, credit card act of 2009, credit history, credit union, dd (regulation dd), direct mail, double-cycle billing, drop, dump, equal credit opportunity act (ecoa), equitable division, fair credit billing act, fair credit reporting act, federal deposit insurance corporation, federal funds rate, federal reserve board, finance charge, fraud alert, fraudulent transaction, fulls, interest rate cap, joint credit, man in the middle fraud, mandatory binding arbitration, medical identity theft, mutual savings bank, national bank, nondischargeable debt, phishing, pin cashing, prime rate (or prime interest rate), receipt, regulation dd, regulation x, savings and loan association, savings bank, schumer box, signature strip, skimming, thrift, time-barred debt, tranche, truncation, truth in lending act, truth in lending act, truth in savings act, two-cycle billing, universal default, wage garnishment, x (regulation x), z (regulation)