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Posted by TJ on Friday February 13, 2009 @ 03:13 PM
[Tags: tjshome, update, bored]

I am always looking for funny creative cool names to rename my wireless internet router. So... I created a page so you can submit the funny wireless WIFI networks around you.

Check it out:
Funny WiFi Network Names

Please , submit your funny wifi name!



Posted by TJ on Friday February 13, 2009 @ 12:06 PM
[Tags: economy, business, accounting]

I just ran article from Times.com that had an idea for a possibly more effective stimulus plan. How about we just cut every US mortgage by 30%. For example if you owe $250 today you will then only owe 175,000.

Here what this could do for the economy:
  • all mortgage-based—securities will become less "toxic".
  • Less forclosures .. with a lower balance more people can refinance to get lower rates/payments making it easier to afford payments.
  • More money to spend elsewhere - People will spend more which benefits every business

The cost:
US Home mortgage debt is approximately 12 trillion dollars which would amount to mortgage write downs of approximately 3.6 trillion (or 3 trillion per the article). This is more than the 800 billion dollar stimulus currently being debated in congress however if the current stimulus does not significantly lower the rate of foreclosure (which is likely) the price tag could be significantly higher.


http://www.time.com/time/business/article/0,8599,1879270,00.html said:


A Better Bank Fix: Cut Every Mortgage's Principal
By Ari J. Officer Friday, Feb. 13, 2009
fixing banks trimming dollars
Images.com / Corbis

Treasury Secretary Timothy Geithner has unveiled a new plan to combat the financial crisis: convincing private financial institutions to buy up "toxic assets" with the government's backing. While this is a step up from former Secretary Henry Paulson's original bailout plan—in which the government itself would buy up the bad securities—it is still not the right approach.
More Related

* 18 Tough Questions (and Answers) About the Bailout
* Homeowners Ask: Hey Washington, Little Help?
* How to Stop the Banks’ Bleeding: No Easy Choices

Instead, there is a better, cheaper, less risky, more direct way to improve banks' balance sheets and restore confidence. Here's how:

Reduce the outstanding principal on every single mortgage to, say, 70% of the original value. Yes, you read that correctly: Lower every single American's mortgage debt by a fixed percentage. (See 25 people to blame for the financial crisis.)

If homeowners owe less money on their mortgages, they will be less likely to stop making their payments. The plan is equivalent to a universal renegotiation of terms that improves the situation for both homeowners and banks. As a bonus, mortgage-backed—and, indeed, all mortgage-based—securities will become less "toxic" by virtue of a trickle-up effect.

Experts have pointed to a $30.6 billion deal between Merrill Lynch and the Lone Star group of private equity funds as a model for the new government plan. Lone Star purchased that amount of Merrill Lynch's portfolio of asset-backed securities. Merrill Lynch reduced Lone Star's risk by financing three-quarters of the purchase. Therefore, Lone Star had limited risk, similar to how funds would have limited risk buying the bad securities with government backing. But the most important part of the deal was not Lone Star's risk; it was the price. Lone Star paid 22 cents on the dollar. This means that Merrill Lynch had priced its asset-backed assets somewhere around 22% of their original value. (Watch a video of a car dealer staying optimistic in tough times.)

Geithner hopes to encourage private investors to buy these asset-backed securities, giving the banks cash and eliminating further downside risk to their portfolios. But why not try to actually make the securities more valuable, in reality, so that investors want to buy them from the banks, without the need for government support?

Thus far, the government has focused on trickle-down solutions: dealing with complicated assets like mortgage-based securities in the hopes of stabilizing the values of more concrete assets, such as homes. In contrast, my approach addresses the root of the problem. Thus, the government would help ensure that the mortgage-based securities find a stable price via a trickle-up effect. After all, it would take an inconceivable number of foreclosures at 70% of principal to justify the assets' trading down to 22% of their face value.

This plan costs the government—and the American taxpayer—nothing but a trivial amount, the operating costs. Again, it is nowhere near as complex as what the government has done so far. It carries a small price tag compared to the massive, mostly ineffectual spending that has been the basis of the current policies. (See pictures of the global financial crisis.)

Why lower the principal of the mortgages instead of reducing the interest rate of the loan? Because it creates far more incentive for homeowners to continue mortgage payments. Moreover, with all the "exotic" loans out there, many with adjustable rates, the principal component is the only standard across all mortgages. Adjusting the remaining principal, then, is the most general way to renegotiate all mortgages as equitably as possible.

Further, there is currently a crisis of confidence in the banking world. Because of the uncertainty surrounding the future of asset values and the prices of complicated derivatives like mortgage-based securities, the banks are hoarding money. They lack trust even to lend to each other. Reducing mortgage principals addresses both of those problems directly. By stabilizing the mortgage markets, much of the uncertainty will vanish. Banks' balance sheets could stabilize. And confidence may very well return.

Implementation is the most difficult part of this proposal. While many financial institutions would immediately discount the plan, ultimately convincing them to accept it is not unreasonable. It is true that for those institutions that hold physical mortgages, their maximum potential profit will go down by the discount. For a 30% decrease in principal, the math works out to some $3 trillion potentially lost on residential mortgages, as of mid-2008, according to the Federal Reserve. But if Americans keep defaulting on these mortgages, and asset values continue to crash, the total loss to the financial world will be far greater than $3 trillion.

It is also true that the banks will probably want to discriminate: Why should they lower the principal on "good" mortgages? Why not just on those most likely to foreclose? Thanks to tranches, the "good" have been rolled together with the "bad", and specialized renegotiation is easier said than done. That is why banks have not already renegotiated loans on a large scale. But with the government's pressure, lowering the remaining principal on every mortgage could easily become a reality.

The only banks that could legitimately lose on this are those that hold nothing but "good" mortgages or tranches of "good" mortgages, with no "bad" assets. Since TARP has attracted such interest from virtually every bank, we can conclude that such "good"-mortgage banks exist only in small number.

Other advantages of this solution are that it is universal and non-discriminatory: every mortgage holder in the United States gets a break. Homeowners without mortgages also benefit, as foreclosures directly lead to deflated home values, and foreclosures will be reduced considerably. At the same time, the banks' assets will have a greater inherent value: their balance sheets will improve, and they are likely to begin loaning sooner than with the government plans.

Unlike Geithner's plan, this solution is simple and transparent. It does not require the government to price complicated derivatives. It requires only one decision: by what uniform percentage to reduce mortgages. And unlike all of the other plans out there, it does not require significant government spending. It is also politically palatable, as it does not discriminate and does not rescue certain institutions over others. Homeowners get the most direct benefit, and the solution is efficient because of its flat-tax-like nature. Just about everybody wins.






Posted by TJ on Thursday February 12, 2009 @ 07:57 PM
[Tags: scam, internet, accounting]

Note: This is part 12 in the Job Scam Series.

This is a wide spread job scam. Most of the time the scammers gets your email address from ads placed on Craigslist. Avoid any association with this scam and do not respond to any emails from HL Plastics If you already sent an email with your information they will promptly send you check to deposit once your job application is "accepted". Do not cash any checks received from the this "job". The scammers are issuing fraudulent checks using accounts of real companies. Once the bank finds out the the checks are fake or fraudulent they will reverse the deposit. Even know the money may show in your account initially, it will soon be taken out.

If you received a scam from a different company please forward the scam to:
User submitted image


How do I spot a job scam?
1.) The message is for a position that you did not apply for
2.) The message is from or asking for a reply to an email address from a free email provider (ie: @yahoo.com, @gmail.com)
3.)The position is for a work at home job. Let's get real here most of these positions are hard to come by.
4.) The message provides no phone and/or no mailing address
5.) The company does not have a website or the website was created in the last year. Do a whois lookup to see when a domain was created.
6.) The job has few qualifications
7.) The message is written with poor english
8.) A google search for the company finds little or no history for the company
*** This list is not all inclusive. Remember if you have to ask yourself if it's a scam it probably is!

What should I do if I provided my information to scammers?
  1. Do not respond to further communications.
  2. If you sent bank Information: Call your bank immediately and tell them what happened. They should be able to change your account number or cancel your account.
  3. If you are still concerned you might want to enroll in credit monitoring such as LifeLock Identity Theft Prevention
  4. You can also file a claim with The Internet Crime Complaint Center (IC3). The Internet Crime Complaint Center (IC3) is a partnership between the Federal Bureau of Investigation (FBI), the National White Collar Crime Center (NW3C), and the Bureau of Justice Assistance (BJA). They are probably overloaded with these types of claim though, so I would not expect an individual response. You can also contact the Better Business Bureau or your states attorney general's office
  5. Post a comment below with any information you have on this scam to inform other people to try and avoid any future victims. Post the email you received with exact wording if different from original posted so when people search for terms they find this warning.

Hl Plastics (jobs.resumes10[at]yahoo.com) said:

From: Hl Plastics (jobs.resumes10[at]yahoo.com)
Sent: Fri 1/23/09 9:43 AM
Dear Applicant,

Thanks you for applying for the job Customer Service in our Company posted on Craigslist. You are getting this email in regards to the resume you sent us on Craigslist for the Customer Service. We are sincerely sorry to inform you that the position for the Customer Service has been occupied. Our manager went through your resume and you have been picked for an alternative Job which is the Payment Personnel. On Craigslist you can find more details about our company and we are very sure you would want to read more.

ABOUT US : (HL Plastics)

HL Plastics manufactures an impressive array of standard and bespoke products such as bespoke plastic extrusions and plastic piling. The products manufactured utilize both extrusion and molding technologies, supported by a range of secondary processes for specialist finishing. In-house design, tool making and manufacturing are all housed in our state-of-the-art factory near Derby, which contains some of the most advanced extrusion and molding equipment available. Well known for our capabilities as a trade supplier of extruded profiles and injection mounded products, HL also manufactures PVC u decking, fencing, and caravan veranda products.We serve the entire United States and a growing export market.

We have accepted your application for the job and We have your information in our database. The HR Managers checked your resume and you have been picked as one of our possible candidates for Accounts Receivable Manager due to some factors of the Company, Your primary task would be receiving payments for our company and Customers.We are about to open a representative offices or authorized sales centers in some local city in the States. Your Accounts Receivable Clerk duty would be that you become our Account Receivable Manager (ARM) and its a contract -to-hire position which is a 1 month trial after which the position is made full time.Please be advised that we need total dedication for the job. Interview and Instructions will be scheduled for you when you get payment for the company, get payment from our client and customers as your first assignment for the Account Receivable Manager.

WHAT YOU NEED TO DO FOR US:

Your First Primary task (Collection of Payments).
1. Receive payment from our Customers or Clients.
2. Cash Payment at your Bank or Deposit payment and let us know how long its going to take before it clear the Bank
3. Deduct 10 % which will be your percentage/pay on Payment processed
4. Forward balance after deduction of percentage/pay to any of the offices you will be instructed to send payment to, you¢ll have a lot of free time doing another job, because this is a part time job, you'll get good income. But this job is very challenging and you should understand it. We are considering your application because you satisfy our requirements and we are sure you will be an earnest assistant till we start running our branch office in your state.

For example: if you receive 4000.00 USD and your 10% should be 400.00 USD Plus your basis monthly salary is 1000.00 USD here are the information you are to provide then we will get back to you after we must have gone through it all.

You have to fill the information given to you below so that we can add your mailing address to our Regional database and we have to re-confirmed the mailing address in our Database.

Please apply by filling the Requirements Below:

* Full Name_______________
* Address_________________
* City____________________
* State___________________
* Zip Code________________
* Home Phone______________
* Cell Phone______________
* Age_____________________
* Email___________________
* Present Occupation______
* Sex_____________________

Your response to this email is needed, so that we can reconfirm your mailing address details we have in our data base. I will let you know what to do please we need total dedication to this Job. Your prompt reply will determine how hardworking and fast you will handle the Job (Account Receivable Position).We will be waiting for prompt reply from you if you are really ready for the job position and I will let you know when the payment has been sent and i will let you know what to do please we need total dedication to this Job. We will be looking forward to hear from you for the job position.

Thanks for your understanding and we look forward for your quick reply with contact information requested from you and get it sent for the Human Resources Manager and Company Headquarter to have in the Company Database.

Human Resources,
HL Plastics.


If you received this please post a comment so I know posting these warnings are useful.



Posted by TJ on Thursday February 12, 2009 @ 07:52 PM
[Tags: scam, internet, business]

Note: This is part 11 in the Job Scam Series.

This was submitted by "Steve" from here. Thanks, Steve

How do I spot a job scam?
1.) The message is for a position that you did not apply for
2.) The message is from or asking for a reply to an email address from a free email provider (ie: @yahoo.com, @gmail.com)
3.)The position is for a work at home job. Let's get real here most of these positions are hard to come by.
4.) The message provides no phone and/or no mailing address
5.) The company does not have a website or the website was created in the last year. Do a whois lookup to see when a domain was created.
6.) The job has few qualifications
7.) The message is written with poor english
8.) A google search for the company finds little or no history for the company
*** This list is not all inclusive. Remember if you have to ask yourself if it's a scam it probably is!

What should I do if I provided my information to scammers?
  1. Do not respond to further communications.
  2. If you sent bank Information: Call your bank immediately and tell them what happened. They should be able to change your account number or cancel your account.
  3. If you are still concerned you might want to enroll in credit monitoring such as LifeLock Identity Theft Prevention
  4. You can also file a claim with The Internet Crime Complaint Center (IC3). The Internet Crime Complaint Center (IC3) is a partnership between the Federal Bureau of Investigation (FBI), the National White Collar Crime Center (NW3C), and the Bureau of Justice Assistance (BJA). They are probably overloaded with these types of claim though, so I would not expect an individual response. You can also contact the Better Business Bureau or your states attorney general's office
  5. Post a comment below with any information you have on this scam to inform other people to try and avoid any future victims. Post the email you received with exact wording if different from original posted so when people search for terms they find this warning.

Vicki Moore (m.vicki[at]rocketmail.com) said:
EMPLOYMENT FORM
Dear Applicant,

You are getting this email in regards to the resume you sent us through Cragslist, for the Position of a Adjustment Clerks. We have accepted your application for the job and We have your information in our database. The HR Managers checked your resume and you have been picked as one of our possible candidates for Accounts Receivable Manager due to some factors of the Company, Your primary task would be receiving payments for our Company and Customers. We are about to open a representative offices or authorized sales centers in some local city in the States. Your Adjustment Clerks duty would be that you become our Account Receivable Manager (ARM) and its a contract-to-hire position which is a 1 month trail after which the position is made full time.


ABOUT US
Santos Textile was established in Lurgan in 1981, and named after Santos House in Lurgan, County Armagh. Santos Textile specializes in fine household linens with a strong ethnic Irish appeal. We regard each of our pieces as a potential heirloom for future generations. Like all heritage, Santos Textile should be treasured, treated kindly, and above all enjoyed. Our product range includes tablecloths, napkins, tray cloths, placemats, table centers, table runners, coasters, trolley cloths, tea towels, and bun warmers, for the kitchen or the dining room.

We serve the entire United States and a growing export market. Your primary task for now, as a representative of the company is to co-ordinate payments from customers and help us with the payment process. You are not involved in any sales. Once orders are received and sorted we deliver the product to a customer. After this has been done the customer has to pay for the products but in most cases we make our clients prepay for orders or items they ordered for. About 90 percent of our customers prefer to pay through cashiers check Money Orders and certified checks . United States based on the amount involved, only few decides on Bank Transfers which is not also suitable. We have decided to open this new contract to hire job position for solving this problem


JOB SUMMARY
1. Receive payment from our Customers or Clients..
2. Cash Payment at your Bank or Deposit payment and let us know how long itʼs going to take before it clears at the Bank
3. Deduct 10 % which will be your percentage pay on Payment processed
4. Forward balance after
deduction of processing charges to any of the offices you will be instructed to send payment to, youʼll have a lot of free time doing another job, because this is apart time job, you'll get good income. But this job is very challenging and you should understand it. We are considering your application because you satisfy our requirements and we are sure you will be an earnest assistant till we start running our branch office in your state. Here is the information you are to provide then we will get back to you after we must have gone through it all. Get back to us with the information below, so that we can add your mailing address to our Regional database and forward it to our customers for them to send payments.

Please Apply by filling the Requirements Below:
First name: ..................
Middle name: ...............
Last name: ....................
Address Line 1: ............
Address Line 2: ............
City: .........................
State: ........................
Zip/Postal code: .........
Home phone: ...............
Cell phone: ...................
Recent occupation: .......
Personal Email Address: .....

WHY YOU SHOULD TRY THIS WORK:
(1) You are not investing any money in this.
(2) Your BANK account information is not needed.
(3) You are not to pay any fee on application/confirmation.
(4) You don't need any special knowledge in the field of accounting or Book-keeping.
(5) No special membership is incurred.
(6) This work will take about two hours per day and is not tiresome.
(7) Your work will start immediately after going through the employment processing and there is a satisfactory from the company.
(8) You'll have a lot of free time doing another job.
(9) You'll get good income and regular
job. But this job is very challenging and you should understand its requirements.
We are looking only for the worker who satisfy our requirement and will be a serious assistant.

Santos Textile Company Limited
Registered in N.I. No. R713
VAT No. GB 251785447
HIRING MANAGER,
Vicki Moore.
http://www.santos-textiles.com

Their website doesn't even work!

If you received this please post a comment so I know posting these warnings are useful.



Posted by TJ on Wednesday February 4, 2009 @ 10:40 PM
[Tags: scam, internet, business]

Note: This is part 10 in the Job Scam Series.

This is a very poor attempt at a job scam. It's too vague and nonprofessional written. Nonetheless, it got past my filters so its worth noting.

How do I spot a job scam?
1.) The message is for a position that you did not apply for
2.) The message is from or asking for a reply to an email address from a free email provider (ie: @yahoo.com, @gmail.com)
3.)The position is for a work at home job. Let's get real here most of these positions are hard to come by.
4.) The message provides no phone and/or no mailing address
5.) The company does not have a website or the website was created in the last year. Do a whois lookup to see when a domain was created.
6.) The job has few qualifications
7.) The message is written with poor english
8.) A google search for the company finds little or no history for the company
*** This list is not all inclusive. Remember if you have to ask yourself if it's a scam it probably is!

What should I do if I provided my information to scammers?
  1. Do not respond to further communications.
  2. If you sent bank Information: Call your bank immediately and tell them what happened. They should be able to change your account number or cancel your account.
  3. If you are still concerned you might want to enroll in credit monitoring such as LifeLock Identity Theft Prevention
  4. You can also file a claim with The Internet Crime Complaint Center (IC3). The Internet Crime Complaint Center (IC3) is a partnership between the Federal Bureau of Investigation (FBI), the National White Collar Crime Center (NW3C), and the Bureau of Justice Assistance (BJA). They are probably overloaded with these types of claim though, so I would not expect an individual response. You can also contact the Better Business Bureau or your states attorney general's office
  5. Post a comment below with any information you have on this scam to inform other people to try and avoid any future victims. Post the email you received with exact wording if different from original posted so when people search for terms they find this warning.

bobby.smith.bsn@gmail.com said:
Found Position for You

Hello,

I am Denis Lavrov, manager of Softtehnics IT-Company, we are specialized in enterprise application development, system integration, corporate networks and other software solutions for business, finance and for various types of problems.

Today our company is searching for employees for our company to improve the quality of service and to speed up the processing of orders. It is not important where did you work before or where are you working now, but if you have combination possibility, you are sociable, responsible and self-exacting, you have a magnificent opportunity to become our employee and to receive high income.

Salary: $ 3000 a month + 5 % from each operation

Your job will be to accept funds in the form of wire transfers and check payments forwarding them to us. We also consider in opening an office in your country in the nearest future where you will have certain privileges if you decide to apply for a full-time job.

Requirements: the age from 21, communication experience, operational experience with documents, operational experience in management, advanced level in using personal computer, constant access to the Internet for working in the Internet office, more than 3 free hours a day.

Please send the resume on the E-mail: bobby.smith.bsn@gmail.com


If you received this please post a comment so I know posting these warnings are useful.



Posted by TJ on Wednesday February 4, 2009 @ 12:55 PM
[Tags: accounting, taxes, guide]

Here are tips to save time and money by preparing to meet with your CPA professional tax return accountant:
  1. Take your documents out of envelopes - neatly organized files saves you time.
  2. If your going to new preparer bring copies of prior year return (fed and state)
  3. Unless you want to pay your preparer to sort, organize, and add up receipts. Have your receipts organized and totaled by category. Have other relevant documents organized by category.
  4. Provide relevant computer data files - If you track your finances with a program such as Quicken or Excel, bring the data file with you OR provide category reports to the accountant. He may see a deduction you missed or need additional information then. You also may want to provide a year end credit card statement for same reason.
  5. have SS#, birthdate, and names of all dependents
  6. Have your bank account information (routing# and account#) for direct deposit of refunds
  7. Have cost basis of any stocks sold
  8. Provide closing documents if you bought/sold home.
  9. A summary sheet with all information you are providing is always helpful but not necessary. This will make sure we don't miss anything.




Posted by TJ on Wednesday February 4, 2009 @ 11:29 AM
[Tags: playlist, music, bored]

I am trying to come up a music playlist of songs that have helicopter noise in them.

Here is what I have so far:
  • Metallica - One (beginning)
  • Pink Floyd- Another Brick in the Wall 2 (end)
  • Def Leppard - Die Hard the Hunter
  • Pink Floyd - The Happiest days of Our Lives
  • Rush - Countdown
  • Billy Joel - Goodnight Saigon (beginning)

Update 2/13/09:
  • Audioslave - Cochise (beginning)
  • Aldo Nova - Fantasy (beginning)

Please add any other tracks that you know of with helicopters in them.



Posted by TJ on Saturday January 31, 2009 @ 10:13 AM
[Tags: internet, google, links]

According to Google tjshome.com may harm your computer. If you do a search for tjshome.com you get the following warning message under each result "This site may harm your computer"

User submitted image


Apparently it's not just Tjshome.com a Google search for "Google" turns up the warning message as well.

User submitted image


I guess billion dollar companies don't test their code before they implement it either.



Posted by TJ on Thursday January 15, 2009 @ 11:03 AM
[Tags: internet, links, troubleshooting]

First person to read this please tell me if you are able to access http://irs.gov.

I receive the following:
IRS.gov said:

ERROR
Access Denied

* Access Denied by security policy

The security policy for your network prevents your request from being allowed at this time. Please contact your administrator if you feel this is incorrect.

User submitted image


Thanks.



Posted by TJ on Wednesday January 14, 2009 @ 10:36 AM
[Tags: news, local, humor]

GPS Stupid is when people place too much reliance on their GPS (Global Positioning System) and do not rely on common sense when driving.

To give you more of an idea let me tell you about an intersection with a train crossing in my home. In the past year there have been three incidents where a train hit a car because they got stuck on the tracks. In two of the incidents the drivers admitted that they turned onto the tracks because their GPS told them too.

The intersection is located in Bedford, NY on Green Ln just before the entrance to the Saw Mill River Parkway:


View Larger Map

Incident #1: 1/3/08 GPS mishap caused Bedford Hills train-car crash - NY Journal News

Incident #2 - 9/30/08: Car GPS blamed for train accident ABC News

Incident #3 - 1/9/08: Driver whose car was hit by Bedford train: Signals were late (appears non GPS related but same intersection)



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