Archive for the obsidian practices Category

hey beth a little red flag to show tremendous empathy

Posted in obsidian entertainment, obsidian jewels, obsidian practices, obsidian visions, obsidian web development with SEO with tags , , , , , , , , , , , , , , , , , , , , , , , , , , , , on October 18, 2009 by obsidiangirl

How to

Insert

a Tampon

Insert a Tampon

Insert a Tampon

Find the most relaxed position for your body while inserting the tampon. Raising one of your legs on a footstool or on the rim of a toilet makes the process easier. Here’s how to insert a tampon without any problems or discomfort.

//

Difficulty: Easy
Instructions

Things You’ll Need:

  • Tampons
  • Vaseline
  1. Step 1

    Buy tampons that are appropriate to your menstrual flow: light, average or heavy.

  2. Step 2

    Wash your hands with soap and hot water.

  3. Step 3

    Remove the tampon from the wrapper.

  4. Step 4

    Slide the applicator a few inches into the vagina (tampon side in), but not so far that you can’t hold the outer of the two tubes that make up the applicator.

  5. Step 5

    Push the inner tube into the outer tube, releasing the tampon into the vagina.

  6. Step 6

    Slide the applicator out.

  7. Step 7

    Make sure the tampon’s string remains outside the vagina.

  8. Step 8

    Wrap the applicator in toilet paper and throw it away. Do not flush it down the toilet.

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.

obsidian has a clever wit and unconventional vision

Posted in obsidian deception, obsidian entertainment, obsidian practices, obsidian super hero, obsidian vision with tags , , , , , , , , , , , , on October 6, 2009 by obsidiangirl

The point of prison, in fact the whole point of a judicial system is when you have committed a crime and served the state-mandated consequences of it are:

  • You are punished for your transgression
  • You recognize the error of your ways, or if you do not, then you are at least deterred from repeating the crime
  • Any victims feel a measure of vengeance

There are only three parts to it, and third ones pretty much down to the victim(s) thus leaving the state with two things to manage. Shouldn’t be particularly hard for a nation that’s been knocking around longer than most, managed to dominate most of the planet at one time or another and has exported it’s language, laws and science across the globe.

In short, punishment is something you should seek to avoid having repeated on you, and whilst being punished be provided some form of counselling to see where you went wrong, and how you can be placed onto a path that isn’t going to criminally inconvenience anyone when your sentence is completed.

Crime and Punishment. Criminal and Rehabilitation. Where is the complexity in understanding the relation between the left hand side of those, and the right hand side?

New Labour can’t understand it. In their little fucked-up corner of criminology you send a criminal to prison to get them out of your, and societies hair, for a while. It means you get numbers. And New Labour like numbers, it allows them to trot a large amount of meaningless statistics, compiled by meaningless civil servants, and delivered by some meaningless ministers to an uncaring public who’d just wish someone would do something about the little bastards turning their local area into something like the OK Corral.

Numbers mean it looks like they’re doing something, and that’s something else New Labour like. Being seen to be doing something. Doesn’t matter is there’s no end product, it’s the display of effort that counts in their minds. After close to 12 years people are getting a little tired at seeing their taxes being flung in the general direction of a problem without any plan, thought or strategy in sight.

So now we have the VOO, or Violent Offender Orders, which are described as ‘ASBO style’, which given ASBO’s have been abject failures and turned into the junior criminal fraternities version of a Scout badge, isn’t high praise or placing a high bar on success.

Essentially New Labour have decided that since their punishments don’t work, and their feeble attempts at rehabilitation don’t work, and they really could do with a bit more prison space, so people who have served their time can be punished further. Not sure how that’ll fly with Human Rights Act, but the Howard League for Penal Reform are already bashing it.

Rather than combating their failure of caretaking the judicial system, they’re plastering over the faults and hoping the whole thing will stick together. Just like the bunch of political cowboys they are.

ASBO’s, VOO’s and their ilk are implicit admissions of utter failure, and the fact people have lost faith in the ability of the police, courts and prisons to do their functions shows that’s its not lost on the general public.

You do the crime, you do the time. On occasion the time may be longer than you’ll live, and that is reflective of the severity if what you’ve done. But if your crime attracts a length of time within your lifespan, then that should be it – slate cleansed. Sure, the state needs to keep track of what you’ve done, so if you do another crime your past exploits can be taken into account for sentencing.

But if you keep your nose clean, that should be that. Now though the state wants to keep punishing you, which means either they haven’t done their job properly, or they’re just bastards. Or both.

If you are not rehabilitated, or not suitable chastised, you should not be freed. That is the point of justice, it isn’t a bloody holiday camp, it’s not there to temporarily keep criminals out of society.

Crime and Punishment. Criminal and Rehabilitation. They used to be linked, time to reforge them.

Posted by Obsidian at 00:22

1 comments:

Jayce Kay said…
Brilliant post.
I look forward to reading your blog postings with great interest.

07 August 2009 12:20

Post a Comment

// <![CDATA[
if (!window.google || !google.friendconnect) {
document.write('' +
'');
}
// ]]> // //

Subscribe to: Post Comments (Atom)

does the armenian vision lack truth and integrity ???

Posted in obsidian deception, obsidian healing, obsidian practices, obsidian vision, obsidian vision cannot override bad decisions which yield bad results with tags , , , , , , , , , , , , , , , , , , on September 19, 2009 by obsidiangirl

For many years in American media, the Indian was portrayed as the savage “bad guy.” Certainly, native Americans hardly had anyone speaking on their behalf, and it was natural for the public to unquestioningly accept a one-sided version of events. Finally, as the indisputable truth became reported more and more (especially following the1960s publication of Bury My Heart at Wounded Knee), the real version of this historical conflict became widely accepted. Ironically, the formerly accepted “good guy” side was revealed to have been the actual dishonorable ones (having broken every treaty) and the ones significantly engaged in heartless slaughters, coupled with, at times, campaigns of systematic extermination.

For nearly a century, the Western World has wholeheartedly accepted that there has been an attempt by the Ottoman Turks to systematically destroy the Armenian people, comparable to what the Nazis committed upon the Jews during World War II. Many Armenians who have settled in America, Europe and Australia (along with other parts of the world, known as “The Armenian Diaspora”) have clung to the tragic events of so long ago as a form of ethnic identity, and have considered it their duty to perpetuate this myth, with little regard for facts… at the same time breeding hatred among their young. As descendants of the merchant class from the Ottoman Empire, Armenians have been successful in acquiring the wealth and power to make their voices heard… and they have made good use of the “Christian” connection to gain the sympathies of Westerners who share their religion and prejudices.

Turks characteristically shun propaganda, and have chosen not to dwell on the tragedies of the past, forging ahead to build upon brotherhood — not hate. This is why the horrifying massacres committed upon the Turks, Kurds and other Ottoman Muslims by Armenians have seldom been heard. When such reports are heard, Westerners can be callously dismissive… Turkish lives are apparently as meaningless to them as Indian lives were to most early Americans.

(The following is an excerpt from Dr. Leon Picon, reviewing the book, “THE ARMENIAN FILE”):

How successfully the Turks could have warded off the resultant stigma through counter-propaganda will never be known. But it is certain that in 1922 Sultan Mohammed Vl put it quite succinctly and pointedly, when he told the American writer E. Alexander Powell:

“If we sent one, your newspapers and periodicals would not publish an article written by a Turk, if they published it, your people would not read it, if they read it, they would not believe it. Even if we sent a qualified person to America, to convey to you in your language, the Turkish point of view, would he find an impartial audience?” [Gurun, File, p. 37]

It’s amazing that whenever the “Armenian Genocide” is referred to in Western media, journalists seem to fall all over themselves in presenting the perspective totally from the Armenian propaganda machinery. Whenever there is an attempt to present “the other side,” the passage is usually preceded by “The Turkish Government claims…” Keeping in mind we all know how dishonest spokespeople from any government can be. (And reinforcing the erroneous view that only the Turkish Government objects to the Armenian version of history.)

“A lie travels round the world while Truth is putting on her boots” (Used by C.H. Sturgeon, famed English preacher of the 19th century)

No person of Turkish heritage would accept what the Turkish Government has to say about this issue, as the final word. Just like no person of Armenian heritage should care about what the Armenian side has to say. What every person needs to do is look at the facts. If there were REAL proof of government- sponsored evil planned against the Armenians, a people who peacefully lived with and prospered beside the Turks for over five centuries, it would be Turks crying out against such horrors before most everyone else… one’s humanity and integrity should ideally supersede loyalty to one’s ethnic tribe.

What Dr. Joseph Goebbels, Nazi Minister of Propaganda, swore by is unfortunately very true: If you tell a lie… especially a big lie… enough times, people will believe it. The often told “Armenian Genocide” tale… a tale told hardly with any opposition in nations sympathetic to the “Christian” Armenians… has been so ingrained within people’s belief systems that any attempt to shed light on the actual truth is often violently rejected. Why, everyone knows those Turks were bloodthirsty savages!

sometimes the truth hurts, but deception can be downright painful

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

Quotes About: Deception
Top
Sponsored Links
Fluoride is Poison
Dr. Bill Douglass Explains Why He Does NOT Recommend Fluoride.
www.douglassreport.com/fluoride
Comprehensive Training
Law Enforcement/Fire/Investigations POST / BBS Certified
tdcorg.com
Home > Library > Literature & Language > Quotes About

Quotes:

“The art of pleasing is the art of deception.” – Marquis De Vauvenargues

“Everyone is born sincere and die deceivers.” – Marquis De Vauvenargues

“Don’t part with your illusions. When they are gone you may still exist, but you have ceased to live.” – Mark Twain

“When a person cannot deceive himself the chances are against his being able to deceive other people.” – Mark Twain

“A deception that elevates us is dearer than a host of low truths.” – Marina Tsvetaeva

“The art of using deceit and cunning grow continually weaker and less effective to the user.” – John Tillotson

can deception ever be justified ???

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

Deception
From Wikipedia, the free encyclopedia
Jump to: navigation, search
For other uses, see Deception (disambiguation).
For a parallel in popular media, see Media manipulation#Distraction by phenomenon.
Mergefrom.svg
It has been suggested that Deception (in psychological research) be merged into this article or section. (Discuss)

Mystification redirects here. For the use in sociology, see Mystification (sociology).

Contents
[hide]

* 1 Dissimulation
o 1.1 Camouflage
o 1.2 Disguise appearance
o 1.3 Dazzle
* 2 Simulation
o 2.1 Mimicry
o 2.2 Fabricate
o 2.3 Distractions
* 3 Deception in psychological experimentation
o 3.1 APA Guidelines for use of Deception in Psychological Research
+ 3.1.1 8.07 Deception in Research
+ 3.1.2 8.08 Debriefing
o 3.2 When is the use of Deception Justified in Psychological Experimentation
o 3.3 Pros of using Deception in Psychological Experimentation
o 3.4 Cons of using Deception in Psychological Experimentation
o 3.5 Examples of Deception in Psychological Experimentation
* 4 See also
* 5 References
* 6 Further reading

Deception (also called beguilement, deceit, bluff, or subterfuge) is the act of convincing another to believe information that is not true, or not the whole truth as in certain types of half-truths.

Deception involves concepts like propaganda, distraction and/or concealment. Fiction, while sometimes manipulative, is not a deception unless it is portrayed as partially truthful or as the whole truth.

In many cases it is difficult to distinguish deception from providing unintentionally wrong information. One of the reasons for this is that a person or an entire organization may be self-deceived.
[edit] Dissimulation

Dissimulation consists of concealing the truth, or in the case of half-truths, concealing parts of the truth, like inconvenient or secret information. There are three dissimulation techniques: camouflage (blend into the background), disguise appearance (altering the model) and dazzle (obfuscate the model).
[edit] Camouflage
See also: theory of camouflage
This wallaby has adaptive colouration which allows it to blend with its environment

The camouflage of a physical object often works by breaking up the visual boundary of that object. This usually involves colouring the camouflaged object with the same colours as the background against which the object will be hidden. In the realm of deceptive half-truths camouflage is realized by ‘hiding’ some of the truths.

Example:

* Camouflage as a form of visual deception is an essential part of military deception.

[edit] Disguise appearance

A disguise is an appearance to create the impression of being somebody or something else; for a well-known person this is also called incognito.

Example:

* The fictional Sherlock Holmes often disguised himself as somebody else to avoid being recognized.

In a more abstract sense, ‘disguise’ may refer to the act of disguising the nature of a particular proposal in order to hide an unpopular motivation or effect associated with that proposal. This is a form of political spin or propaganda. See also: rationalisation and transfer within the techniques of propaganda generation.

Example:

* Depicting an act of war as a “peace” mission.

[edit] Dazzle

Examples:

* The defensive mechanisms of most octopuses to eject black ink in a large cloud to aid in escape from predators.

[edit] Simulation

Simulation consists of exhibiting false information. There are three simulation techniques: mimicry (copying another model), fabrication (making up a new model), and distraction (offering an alternative model)
[edit] Mimicry

In the biological world, mimicry involves unconscious deception by similarity to another organism, or to a natural object. Animals for example may deceive predators or prey by visual, auditory or other means.
[edit] Fabricate

To make something that in reality is not what it appears to be. For example, in World War II, it was common for the Allies to use hollow tanks made out of cardboard to fool German reconnaissance planes into thinking a large armor unit was on the move in one area while the real tanks were well hidden and on the move in a location far from the fabricated “dummy” tanks.
[edit] Distractions

To get someone’s attention from the truth by offering bait or something else more tempting to divert attention away from the object being concealed. For example, a security company publicly announces that it will ship a large gold shipment down one route, while in reality take a different route.
[edit] Deception in psychological experimentation

The use of deception in psychological experimentation is a methodological procedure where the researchers purposely mislead or misinform the participants about the true nature of the experiment. The process of concealing information from the participants is omission and the purposely misleading of the participants about what is being studied is commission. The use of deception is reserved only for when it is absolutely necessary to preserve the naturalness of the participants’ behavior and the researcher must follow specific guidelines set forth by the American Psychological Association (APA).
[edit] APA Guidelines for use of Deception in Psychological Research
[edit] 8.07 Deception in Research

(a) Psychologists do not conduct a study involving deception unless they have determined that the use of deceptive techniques is justified by the study’s significant prospective scientific, educational, or applied value and that effective nondeceptive alternative procedures are not feasible.

(b) Psychologists do not deceive prospective participants about research that is reasonably expected to cause physical pain or severe emotional distress.

(c) Psychologists explain any deception that is an integral feature of the design and conduct of an experiment to participants as early as is feasible, preferably at the conclusion of their participation, but no later than at the conclusion of the data collection, and permit participants to withdraw their data.
[edit] 8.08 Debriefing

(a) Psychologists provide a prompt opportunity for participants to obtain appropriate information about the nature, results, and conclusions of the research, and they take reasonable steps to correct any misconceptions that participants may have of which the psychologists are aware.

(b) If scientific or humane values justify delaying or withholding this information, psychologists take reasonable measures to reduce the risk of harm.

(c) When psychologists become aware that research procedures have harmed a participant, they take reasonable steps to minimize the harm.(Association, 2003)
[edit] When is the use of Deception Justified in Psychological Experimentation

1. When it is necessary to investigate important research questions involving the observation of true human behavior, which could not be examined through other means
2. When the use of deception would not cause more risk to the participant than everyday life events.
3. When the researcher thoroughly debriefs the participants immediately at the conclusion of the experiment, and explains what was studied.
4. All APA Guidelines and Code of Ethics are followed.
5. Research is approved by proper authorities (IRB’s, etc.).

[edit] Pros of using Deception in Psychological Experimentation

1. Deception increases the impact of the experimental environment; making the experimental situation more realistic in turn increasing internal validity of a study.
2. Deception allows for studying human life that a researcher would not necessarily be able to study ethically.
3. With deception a researcher is able to protect against problems with participants. For example, a participant’s motives can affect how he/she responds in an experimental situation.

[edit] Cons of using Deception in Psychological Experimentation

1. Deception can be ethically irresponsible.
2. Participants cooperate accordingly only in an environment of clarity, openness, and trust. They can get defensive when they feel they are being misled by the experimenter.
3. Some participants might develop emotional or mental issues because they feel they were lied to.
4. Since deception experiments generally take place in a laboratory, the external validity can be low.

[edit] Examples of Deception in Psychological Experimentation

“Danger: Severe Shock”

An experiment conducted by Research Stanley Milgram in 1963 used deception.

The deception in this experiment includes the researcher telling the participant that he will be participating in an experiment involving the effects of punishment upon learning. But actually the study looks at the participant’s willingness to obey hurtful commands. Ultimately the participant was to administer increasing amounts of electric shock to a confederate when the confederate answered a question incorrectly posed by the researcher. The confederate begins to react to the electric shock, screaming and yelling in agony, but the participant in the experiment is urged to continue with the electric shock despite his reluctance. 64% of participants shocked the learner (confederate) with the highest voltage.

[edit] See also

* Academic dishonesty
* Betrayal
* Communications deception
* Confidence trick
* Doctrine of mental reservation
* Electronic deception
* Forgery
* Fraud
* Good cop/bad cop
* Half-truth
* Hoax
* Lie
* Limited hangout
* List of topics related to public relations and propaganda
* Media manipulation
* Media transparency
* Military deception
* Misdirection
* Modified limited hangout
* Newspeak
* Phishing
* Placebo (origins of technical term)
* Plagiarism
* Propaganda
* Psychological warfare
* Secrecy
* Selectivity
* Simulated reality
* Social engineering
* Spectacle
* Spin (public relations)
* Steganography
* Sting operation
* Swampland in Florida
* Theft Act 1968
* Theft Act 1978

[edit] References

* Association, A. P. (2003). ethics: Ethical principles of psychologists and code of conduct. Retrieved February 18, 2008, from APA Online
* Bassett, Rodney L.. & Basinger, David, & Livermore, Paul. (1992, December). Lying in the Laboratory: Deception in Human Research from a Psychological, Philosophical, and Theological Perspectives. [1]
* Cohen, Fred. (2006). Frauds, Spies, and Lies and How to Defeat Them. ASP Peess. ISBN 1-878109-36-7.
* Behrens, Roy R. (2002). False colors: Art, Design and Modern Camouflage. Bobolink Books. ISBN 0-9713244-0-9.
* Behrens, Roy R. (2009). Camoupedia: A Compendium of Research on Art, Architecture and Camouflage. Bobolink Books. ISBN 978-0-9713244-6-6.
* Bennett, W Lance; Entman, Robert M The Politics of Misinformation
* Blechman, Hardy and Newman, Alex (2004). DPM: Disruptive Pattern Material. DPM Ltd. ISBN 0-9543404-0-X.
* Edelman, Murray Constructing the political spectacle 1988
* Latimer, Jon. (2001). Deception in War. John Murray. ISBN 978-0719556050.
* Shaughnessy, J. J., Zechmeister, E. B., & Zechmeister, J. S. (2006). Research Methods in Psychology Seventh Edition. Boston: McGraw Hill.
* Bruce Schneier, Secrets and Lies
* Robert Wright The Moral Animal: Why We Are the Way We Are: The New Science of Evolutionary Psychology. Vintage, 1995. ISBN 0-679-76399-6

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)