bollywood-holywood: rec.arts.movies.local.indian - 25 new messages in 14 topics

rec.arts.movies.local.indian
http://groups.google.com/group/rec.arts.movies.local.indian?hl=en

rec.arts.movies.local.indian@googlegroups.com

Today's topics:

==============================================================================
TOPIC: VALENTINE'S DAY 'LEADS TO FREE SEX'
http://groups.google.com/group/rec.arts.movies.local.indian/t/a37fa0b2ea96aaaf?hl=en
==============================================================================

== 1 of 2 ==
Date: Sun, Feb 14 2010 12:08 am
From: Kopral Johnny

DM <d-moss@adfa.edu.au> wrote in news:b60273ee-951a-434e-
8c61-09bc7346aa04@p13g2000pre.googlegroups.com:

> My sex has always been free.
>

of course, since you wank all the time ! LOL

== 2 of 2 ==
Date: Sun, Feb 14 2010 8:01 am
From: Roniora

On Feb 14, 7:18 am, Bang Adil <BangA...@aol.com> wrote:
> Are you saying that young unmarried people don't do free sex on any
> other day except on Valentine Day?
>
> Do you think young unmarried people wait until Valentine Day to have
> free sex? How old are you? LOL
>
> On Feb 14, 12:03 am, use...@mantra.com and/orwww.mantra.com/jai(Dr.
>
> Jai Maharaj) wrote:
> > Valentine's Day 'leads to free sex'
>
> > 9News
> > Sunday, February 14, 2010
>
> > Muslim leaders in Indonesia have told the faithful not to celebrate
> > Valentine's Day because it is sinful and leads to "free sex".
>
> > "We forbid Muslims to celebrate Valentine's Day," said Abdullah
> > Cholil, an East Java leader of Nahdlatul Ulama, the mainly Muslim
> > country's biggest Islamic organisation.
>
> > "The day is often celebrated by young, unmarried people. They
> > celebrate Valentine's Day by holding hands or having free sex, which
> > they are not supposed to be doing," he said.
>
> > Lalilurrahman, the East Java branch chief of the country's highest
> > Islamic body, the Indonesian Ulema Council, said the celebration of
> > romance and love was a Western tradition and therefore should not
> > interest Muslims.
>
> > "Valentine's Day originated from Western culture. It's not in
> > accordance with Islamic and Eastern culture," he said.
>
> > Shopping centres in Indonesia's major cities are decked out with
> > Valentine's Day gift offerings as well as displays marking Chinese
> > New Year.
>
> > Most Indonesians are moderate Muslims, and few pay much attention to
> > the moral edicts of local Islamic leaders.
>
> > More at:http://news.ninemsn.com.au/article.aspx?id=1012149
>
> > Jai Maharaj, Jyotishi
> > Om Shanti
>
> > o Not for commercial use. Solely to be fairly used for the educational
> > purposes of research and open discussion. The contents of this post may not
> > have been authored by, and do not necessarily represent the opinion of the
> > poster. The contents are protected by copyright law and the exemption for
> > fair use of copyrighted works.
> > o If you send private e-mail to me, it will likely not be read,
> > considered or answered if it does not contain your full legal name, current
> > e-mail and postal addresses, and live-voice telephone number.
> > o Posted for information and discussion. Views expressed by others are
> > not necessarily those of the poster who may or may not have read the article.
>
> > FAIR USE NOTICE: This article may contain copyrighted material the use of
> > which may or may not have been specifically authorized by the copyright
> > owner. This material is being made available in efforts to advance the
> > understanding of environmental, political, human rights, economic,
> > democratic, scientific, social, and cultural, etc., issues. It is believed
> > that this constitutes a 'fair use' of any such copyrighted material as
> > provided for in section 107 of the US Copyright Law. In accordance with Title
> > 17 U.S.C. Section 107, the material on this site is distributed without
> > profit to those who have expressed a prior interest in receiving the included
> > information for research, comment, discussion and educational purposes by
> > subscribing to USENET newsgroups or visiting web sites. For more information
> > go to: http://www.law.cornell.edu/uscode/17/107.shtml
> > If you wish to use copyrighted material from this article for purposes of
> > your own that go beyond 'fair use', you must obtain permission from the
> > copyright owner.
>
> > Since newsgroup posts are being removed
> > by forgery by one or more net terrorists,
> > this post may be reposted several times.

damn.... where is the world coming to at,nowadays? whats wrong with
free sex? young or old ? as long as they ain't cheating on their loved
ones, i don't think its anything unfair. besides, who the fuck are
these motherfucking faggots to govern the free will of people and term
this as western wrongdoings that corrupt the world? its all in
perception.

beauty lies in the eyes of the beholders.
and so i think terming premarital sex as wrong or sin lies in the
perception of the doer. don't do it if u don't feel its good. but
don't go preaching like a saint

instead, look upto more pressing issues like women's rights in
afghanistan, etc kind of countries..
why all the barbarism i simple for the life of me can't understand

==============================================================================
TOPIC: sociopath Jay Stevens alias Dr. Jai Maharaj
http://groups.google.com/group/rec.arts.movies.local.indian/t/3897db98b99a798e?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 14 2010 2:49 am
From: Franz Gnaedinger

The abuse of sci.lang by the sociopath of the false
name and false title and false engagement encourages
others to abuse our forum for commercial purposes,
see the many sex threads started yesterday.

> Seven messages in crying titles yesterday. Does the
> sociopath now feel a martyr because I maintain this thread,
> allowing him to post ever more messages, making ever
> more money?
>
> > Dusan, where are you?
>
> > > Dusan, where are you? We need your help in getting
> > > rid of Jay Stevens alias Dr. Jai Maharaj whom you
> > > call a sad monkey. This morning 20 of 30 threads
> > > on the title page of the Google topics list are by him.
> > > Everything is false about him, his Usenet name,
> > > his title, his pretended engagement for the Hindu
> > > community, his pretended compassion for abused
> > > children. His only concern is to acquire clients who
> > > pay good money for his astrological nonsense,
> > > and he coldly calculates that he can find them
> > > among Hindus: they are many, they are prone
> > > to superstition, and, being of a minor intelligence,
> > > he thinks, they won't see through his cynic scheme
> > > and find out what he really has in mind.
>
> > > > Jay Stevens who calls himself Jai Maharaj and
> > > > adorns his false name with a false title pretends
> > > > to engage himself for the Hindu community
> > > > while all he cares for is the cash he can suck out
> > > > of his Hindu clientele whom he considers particularly
> > > > prone to superstition, prime material to be ground
> > > > in his astrological mill. He found the (almost) perfect
> > > > scheme of turning the misery of other people into
> > > > money. And he feels that his pseudo-engagement
> > > > gives him the right to ruin sci.lang. Jay Stevens
> > > > aka Dr. Jai Maharaj is a capital sociopath, a cynic
> > > > and a cancer combined.
>
> > > > > That sociopath Jay Stevens who calls himself
> > > > > Jai Maharaj and adorns his false name with a false
> > > > > title goes on massively spamming sci.lang, of the 30
> > > > > threads presently on the first page of the topics list
> > > > > 15 are by him. I will go on repeating what I have to
> > > > > say about him, in previous messages quoted below.
> > > > > My word has a weight, also among the Hindu
> > > > > community, for I am pointing out the value of Indian
> > > > > mathematics, I worked about the Harappan tablets,
> > > > > I can prove that there is a direct line from Harappa
> > > > > to the Vedic religion, and I can take it up with Dr.
> > > > > Steve Farmer, assistant of Witzel. Dr. Farmer
> > > > > felt sorry for me that I believe the nonsense of
> > > > > Asko Parpola, there being a gap of two thousand
> > > > > years between 'Pashupati' and the first mentioning
> > > > > of Murukan. But my work is here to stay, I can show
> > > > > that the RigVeda go straight back to the mythology
> > > > > of Ice Age Eurasia. So my word will have a weight
> > > > > in these matters, my messages will be read again,
> > > > > and I can tell for sure that Jay Steves who is at present
> > > > > carrying out his second long-term massive attack on
> > > > > sci.lang is a sociopath, and a cynic at that, fishing
> > > > > for clients among the Hindus he considers a particularly
> > > > > superstitious bunch, trying to win them for his astological
> > > > > business. He pretends to be defending the Hindu cause,
> > > > > but he is just making money, and he doesn't care whether
> > > > > a newsgroup is choked by him, not even if that newsgroup
> > > > > is seriously concerned with the culture of ancient India,
> > > > > and providing new and fascinating links between Harappa
> > > > > and the RigVeda, outwitting Witzel and his adlatus Farmer.
> > > > > No, that sociopath Jay Stevens aka Dr. Jai Maharaj doesn't
> > > > > care at all, all he cares about is the money he sucks in
> > > > > from Hindu clients whom he makes believe his astro-crap.
>
> > > > > > A sociopath fools people about his intentions. That
> > > > > > particular sociopath who calls himself Dr. Jai Maharaj,
> > > > > > using a false name and adorning it with a false title,
> > > > > > pretends to defend the cause of the Hindu community
> > > > > > while just boosting his astrological business, fishing
> > > > > > for clients among the Hindus he apparently considers
> > > > > > an especially superstitious bunch of people. That
> > > > > > sociopath should not be encouraged by another -path,
> > > > > > namely my longtime stalker of the many aliases,
> > > > > > Panu Petteri Höglund alias John Bulkington alias
> > > > > > Patrick Karl alias craoibhin66 alias he himself as his
> > > > > > own good friend and pupil Sean Connor soconn1
> > > > > > alias he himself as his own brother in arms and
> > > > > > stalking aide John Hobart Kyle jhobartkyle johnk
> > > > > > alias he himself as his own bride Annina Kaartinen
> > > > > > alias a Rumanian professor who claims to have
> > > > > > discovered the origin of language alias he himself
> > > > > > as his own bride Maria Kupari.
>
> > > > > > > > That false doctor who calls himself Jai Maharaj is again
> > > > > > > > trying to suffocate sci.lang. Is it a coincidence that he began
> > > > > > > > his new campaign of massive abusement of our scientific group
> > > > > > > > around New Year, in sight of 2012 ? year of the alleged end of
> > > > > > > > the Mayan calendar, in reality a false claim based on a wrong
> > > > > > > > calculation, and even if the long calendar cycle of the Maya
> > > > > > > > ended in 2012 it would not mean the end of the world, just
> > > > > > > > a new calendar cycle. The year 2012 makes astrologers
> > > > > > > > creep out of their holes, they can frighten people again and
> > > > > > > > sell them their horoscopes. That false doctor Jai Maharaj
> > > > > > > > sells horoscopes and abuses our forum for making propaganda
> > > > > > > > for his astrological firm, pretending that he posts in favor of
> > > > > > > > the Hindu community, while in fact seeing his marekting niche
> > > > > > > > among those people he apparently believes are especially
> > > > > > > > prone to superstition, and therefroe the right and yielding
> > > > > > > > target of his astrological enterprise.
>
> > > > > > > On and on that false doctor of the false name goes
> > > > > > > abusing sci.lang, spammiing our scientific forum,
> > > > > > > often with messages on child abuse by Christian
> > > > > > > missionaries. This has nothing to do with linguistics,
> > > > > > > and reveals a cynic calculation. Who can say anything
> > > > > > > against a protest against child abuse? If you protest
> > > > > > > against his spamming you are revealed as someone
> > > > > > > who secretly supports child abuse, and so, he hopes,
> > > > > > > nobody will speak up against his abuse of sci.lang,
> > > > > > > instead, belonging to the accused western world,
> > > > > > > we are supposed to crumble away in shame and
> > > > > > > allow him to go on with his massive attack on our
> > > > > > > forum. But he didn't count with me. I raise my voice
> > > > > > > against every religious propaganda in here, also
> > > > > > > Christian one, I spoke against missioning all my life,
> > > > > > > quoting Matthew 7:16: "Ye shall recognize them
> > > > > > > by their fruits" - what counts are not words but what
> > > > > > > people do, how they live, what example they give.
> > > > > > > And most of all I write against child abuse and child
> > > > > > > pornography especially in the web, my reasoning
> > > > > > > based on my theory of the two pillars of the law.
> > > > > > > A couple of years ago I sent a paper of mine to the
> > > > > > > top chief of the Zurich police. A minor chief told me
> > > > > > > that my letters contain useful ideas. I am active in
> > > > > > > these fields, I don't crumble away before the implicit
> > > > > > > accusations of that false doctor of the false name
> > > > > > > and his cynic calculation that he can make money
> > > > > > > out of child abuse, pretending to care for the Hindu
> > > > > > > community while all he has in mind is to catch
> > > > > > > new customers for his astrological enteprise.

==============================================================================
TOPIC: BOMB BLASTS IN PUNE [MUSLIM TERRORISM]
http://groups.google.com/group/rec.arts.movies.local.indian/t/810eae7dd0a55571?hl=en
==============================================================================

== 1 of 7 ==
Date: Sun, Feb 14 2010 6:28 am
From: uNmaiviLambi

On Feb 13, 7:56 pm, use...@mantra.com and/or www.mantra.com/jai (Dr.
Jai Maharaj) wrote:
> In article <9bef59f2-37a1-4b20-bc00-d1ca5adb7...@g17g2000vba.googlegroups.com>,
> uNmaiviLambi <tripurant...@yahoo.com> posted:

> Let us Hindus make sure that the information and education needed for
> the awakening gets out. You wanna do it through popular AV media?
> I have two full-length scripts ready to shoot as indies or
> commercial.

How do you tell the truth in this world? Everything has to be
politically correct which means lies! How do you use media for truth?

== 2 of 7 ==
Date: Sun, Feb 14 2010 8:27 am
From: fanabba

On Feb 14, 9:28�am, uNmaiviLambi <tripurant...@yahoo.com> wrote:
> On Feb 13, 7:56�pm, use...@mantra.com and/orwww.mantra.com/jai(Dr.
>
> Jai Maharaj) wrote:
> > In article <9bef59f2-37a1-4b20-bc00-d1ca5adb7...@g17g2000vba.googlegroups.com>,
> > �uNmaiviLambi <tripurant...@yahoo.com> posted:
> > Let us Hindus make sure that the information and education needed for
> > the awakening gets out. You wanna do it through popular AV media?
> > I have two full-length scripts ready to shoot as indies or
> > commercial.
>
> How do you tell the truth in this world? Everything has to be
> politically correct which means lies! How do you use media for truth?

You may find some help at the following web site:

http://www.citizenwarrior.com/

== 3 of 7 ==
Date: Sun, Feb 14 2010 8:43 am
From: uNmaiviLambi

On Feb 14, 11:27 am, fanabba <fana...@aol.com> wrote:
> On Feb 14, 9:28 am, uNmaiviLambi <tripurant...@yahoo.com> wrote:

> You may find some help at the following web site:
>
> http://www.citizenwarrior.com/

Is this legal? Or subject to hate laws?

== 4 of 7 ==
Date: Sun, Feb 14 2010 11:42 am
From: "harmony"

of course, nobody but nobody wonders why we still have lahore-dillie buses
and samjauta trains runinng which has brought in millions of pakis so far
into india, and continues to bring in tens of thousands of pakis into india
every week. the hindus have a death wish, and bollywood can make it poetic
too.

<usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)> wrote in
message news:20100213LR8iUvExFax23ud2Ksu8MRA@Lco1O...
> Forwarded article from Moorthy S. Muthuswamy
>
> Blasts in India
>
> Dear India-based folks
>
> My condolences to the families affected by the Pune German Bakery
> (what appears to be) bombings.
>
> Unfortunately, the geopolitical situation in South Asia has now
> turned in Pakistan's favor, with America agreeing to accept
> Pakistan's primacy in Afghanistan through its proxy, the Taliban.
>
> Indeed, terrorism works!
>
> It is likely that Pakistan has initiated a significant round of
> terrorist attacks all throughout India. The attacks are designed to
> push India to accommodate Kashmir in Pakistan's favor.
>
> Pakistan has a well-established network in India to carry out its
> nefarious designs.
>
> Prominent public places and businesses, Hindu religious centers, and
> even leading educational institutions could be part of the hit list.
>
> Please be careful.
>
> Remember, your family's safety lies in the safety of your community --
> and your nation.
>
> Moorthy S. Muthuswamy
>
> End of forwarded article from Moorthy S. Muthuswamy
>
> Jai Maharaj, Jyotishi
> Om Shanti
>
> o Not for commercial use. Solely to be fairly used for the
> educational
> purposes of research and open discussion. The contents of this post may
> not
> have been authored by, and do not necessarily represent the opinion of the
> poster. The contents are protected by copyright law and the exemption for
> fair use of copyrighted works.
> o If you send private e-mail to me, it will likely not be read,
> considered or answered if it does not contain your full legal name,
> current
> e-mail and postal addresses, and live-voice telephone number.
> o Posted for information and discussion. Views expressed by others
> are
> not necessarily those of the poster who may or may not have read the
> article.
>
> FAIR USE NOTICE: This article may contain copyrighted material the use of
> which may or may not have been specifically authorized by the copyright
> owner. This material is being made available in efforts to advance the
> understanding of environmental, political, human rights, economic,
> democratic, scientific, social, and cultural, etc., issues. It is believed
> that this constitutes a 'fair use' of any such copyrighted material as
> provided for in section 107 of the US Copyright Law. In accordance with
> Title
> 17 U.S.C. Section 107, the material on this site is distributed without
> profit to those who have expressed a prior interest in receiving the
> included
> information for research, comment, discussion and educational purposes by
> subscribing to USENET newsgroups or visiting web sites. For more
> information
> go to: http://www.law.cornell.edu/uscode/17/107.shtml
> If you wish to use copyrighted material from this article for purposes of
> your own that go beyond 'fair use', you must obtain permission from the
> copyright owner.
>
> Since newsgroup posts are being removed
> by forgery by one or more net terrorists,
> this post may be reposted several times.
>

== 5 of 7 ==
Date: Sun, Feb 14 2010 12:26 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

In article <38bd075f-0bfb-4779-bc39-f9cb29f7910f@h12g2000vbd.googlegroups.com>,
uNmaiviLambi <tripurantaka@yahoo.com> posted:

> On Feb 14, 11:27=A0am, fanabba <fana...@aol.com> wrote:

> > On Feb 14, 9:28 am, uNmaiviLambi <tripurant...@yahoo.com> wrote:
>
> > You may find some help at the following web site:
> >
> > http://www.citizenwarrior.com/

> Is this legal? Or subject to hate laws?

If one states the truth then one has a great defense against false prosecution.
Does http://www.citizenwarrior.com publish any falsehoods?

Jai Maharaj, Jyotishi
Om Shanti

== 6 of 7 ==
Date: Sun, Feb 14 2010 12:38 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

The reunification of Bharat and Pakistan, and others, (I published
the prediction here many years ago) is complete at many levels, and
continues at others.

About "the Hindus have a death wish", I can say that true Hindus have
been reduced to a small minority because of the centuries of genocide
by Muslims and Christians.

However, as long as a spark of true Hinduism remains a revival is
certainly possible. It is this seed that brings about the transition
from one Yug to another.

The buses and trains provide traffic in both directions. As long as
the traffic in the direction beneficial to Hindus is not nullified by
traffic in the opposite direction, the system is acceptable. We
Hindus need a big advantage.

Jai Maharaj, Jyotishi
Om Shanti

In article <4b78522a$0$12417$bbae4d71@news.suddenlink.net>,
"harmony" <aka@hotmail.com> posted:
>
> of course, nobody but nobody wonders why we still have lahore-dillie buses
> and samjauta trains runinng which has brought in millions of pakis so far
> into india, and continues to bring in tens of thousands of pakis into india
> every week. the hindus have a death wish, and bollywood can make it poetic
> too.

> Dr. Jai Maharaj posted:
>
> > Forwarded article from Moorthy S. Muthuswamy
> >
> > Blasts in India
> >
> > Dear India-based folks
> >
> > My condolences to the families affected by the Pune German Bakery
> > (what appears to be) bombings.
> >
> > Unfortunately, the geopolitical situation in South Asia has now
> > turned in Pakistan's favor, with America agreeing to accept
> > Pakistan's primacy in Afghanistan through its proxy, the Taliban.
> >
> > Indeed, terrorism works!
> >
> > It is likely that Pakistan has initiated a significant round of
> > terrorist attacks all throughout India. The attacks are designed to
> > push India to accommodate Kashmir in Pakistan's favor.
> >
> > Pakistan has a well-established network in India to carry out its
> > nefarious designs.
> >
> > Prominent public places and businesses, Hindu religious centers, and
> > even leading educational institutions could be part of the hit list.
> >
> > Please be careful.
> >
> > Remember, your family's safety lies in the safety of your community --
> > and your nation.
> >
> > Moorthy S. Muthuswamy
> >
> > End of forwarded article from Moorthy S. Muthuswamy
> >
> > Jai Maharaj, Jyotishi
> > Om Shanti
> >
> > o Not for commercial use. Solely to be fairly used for the
> > educational
> > purposes of research and open discussion. The contents of this post may
> > not
> > have been authored by, and do not necessarily represent the opinion of the
> > poster. The contents are protected by copyright law and the exemption for
> > fair use of copyrighted works.
> > o If you send private e-mail to me, it will likely not be read,
> > considered or answered if it does not contain your full legal name,
> > current
> > e-mail and postal addresses, and live-voice telephone number.
> > o Posted for information and discussion. Views expressed by others
> > are
> > not necessarily those of the poster who may or may not have read the
> > article.
> >
> > FAIR USE NOTICE: This article may contain copyrighted material the use of
> > which may or may not have been specifically authorized by the copyright
> > owner. This material is being made available in efforts to advance the
> > understanding of environmental, political, human rights, economic,
> > democratic, scientific, social, and cultural, etc., issues. It is believed
> > that this constitutes a 'fair use' of any such copyrighted material as
> > provided for in section 107 of the US Copyright Law. In accordance with
> > Title
> > 17 U.S.C. Section 107, the material on this site is distributed without
> > profit to those who have expressed a prior interest in receiving the
> > included
> > information for research, comment, discussion and educational purposes by
> > subscribing to USENET newsgroups or visiting web sites. For more
> > information
> > go to: http://www.law.cornell.edu/uscode/17/107.shtml
> > If you wish to use copyrighted material from this article for purposes of
> > your own that go beyond 'fair use', you must obtain permission from the
> > copyright owner.
> >
> > Since newsgroup posts are being removed
> > by forgery by one or more net terrorists,
> > this post may be reposted several times.
> >
>
>

o Not for commercial use. Solely to be fairly used for the educational
purposes of research and open discussion. The contents of this post may not
have been authored by, and do not necessarily represent the opinion of the
poster. The contents are protected by copyright law and the exemption for
fair use of copyrighted works.
o If you send private e-mail to me, it will likely not be read,
considered or answered if it does not contain your full legal name, current
e-mail and postal addresses, and live-voice telephone number.
o Posted for information and discussion. Views expressed by others are
not necessarily those of the poster who may or may not have read the article.

FAIR USE NOTICE: This article may contain copyrighted material the use of
which may or may not have been specifically authorized by the copyright
owner. This material is being made available in efforts to advance the
understanding of environmental, political, human rights, economic,
democratic, scientific, social, and cultural, etc., issues. It is believed
that this constitutes a 'fair use' of any such copyrighted material as
provided for in section 107 of the US Copyright Law. In accordance with Title
17 U.S.C. Section 107, the material on this site is distributed without
profit to those who have expressed a prior interest in receiving the included
information for research, comment, discussion and educational purposes by
subscribing to USENET newsgroups or visiting web sites. For more information
go to: http://www.law.cornell.edu/uscode/17/107.shtml
If you wish to use copyrighted material from this article for purposes of
your own that go beyond 'fair use', you must obtain permission from the
copyright owner.

Since newsgroup posts are being removed
by forgery by one or more net terrorists,
this post may be reposted several times.

== 7 of 7 ==
Date: Sun, Feb 14 2010 12:42 pm
From: uNmaiviLambi

On Feb 14, 3:26 pm, use...@mantra.com and/or www.mantra.com/jai (Dr.
Jai Maharaj) wrote:
> In article <38bd075f-0bfb-4779-bc39-f9cb29f79...@h12g2000vbd.googlegroups.com>,
> uNmaiviLambi <tripurant...@yahoo.com> posted:

> If one states the truth then one has a great defense against false prosecution.
> Does http://www.citizenwarrior.com publish any falsehoods?

It is true Maharajji. But is society ready face truth? We live on half
truths and often falsehoods ( as commanded by laws).

This is a very good site, thanks

==============================================================================
TOPIC: Online Girls
http://groups.google.com/group/rec.arts.movies.local.indian/t/a20186723a8fef0c?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 14 2010 9:36 am
From: Only Girls <99sharmili@gmail.com>

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==============================================================================
TOPIC: hindu output up by 16pct
http://groups.google.com/group/rec.arts.movies.local.indian/t/c8a09c1ab07081cb?hl=en
==============================================================================

== 1 of 5 ==
Date: Sun, Feb 14 2010 12:19 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

Hindus will pull other countries out of the bad economic times,

Jai Maharaj, Jyotishi
Om Shanti

In article <4b777a34$0$12455$bbae4d71@news.suddenlink.net>,
"harmony" <aka@hotmail.com> posted:
>
> India's industrial production has risen at its fastest pace in more than a
> decade, providing further evidence of the country's strong economic
> recovery.
>
> Factory output rose by 16.8% in December compared with a year earlier, much
> faster than analysts had expected.
>
> Subdued growth last year as a result of the global economic downturn helped
> to boost this year's figure in comparison.
>
> The strong growth will strengthen the case for the government to withdraw
> its stimulus measures, analysts said.
>
> "We are going to see some rollback of fiscal stimulus in the 26 February
> federal budget," said Rahul Bajoria at Barclays Capital.
>
> "The need to support the manufacturing sector through duty cuts is no longer
> there."
>
> Rising prices
>
> India's economy is recovering faster than expected - it grew at an annual
> pace of 7.9% in the three months to the end of September 2009, after growing
> 6.7% in the year to the end of March 2009.
>
> Government stimulus measures helped to maintain growth during the global
> downturn - the country's central bank has pumped more than $125bn (£80bn)
> into the Indian economy since September 2008.
>
> Instead of concerning themselves with securing strong growth, policymakers
> are now starting to turn their attention to inflation.
>
> Last month, India's central bank increased cash reserve requirements for
> lenders in a bid to contain rising prices.
>
> It also lifted its inflation forecast for the end of the financial year in
> March to 8.5%.
>
>

== 2 of 5 ==
Date: Sun, Feb 14 2010 12:46 pm
From: uNmaiviLambi

On Feb 13, 11:21 pm, "harmony" <a...@hotmail.com> wrote:
> India's industrial production has risen at its fastest pace in more than a
> decade, providing further evidence of the country's strong economic
> recovery.

You think Muslims might have reduced it by 1% at least, from 17 to 16,
through terrorism and smuggling? Most smugglers are muslims

== 3 of 5 ==
Date: Sun, Feb 14 2010 12:59 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

In article <02620a9f-fa2e-4fb5-9dbd-66909bd94e05@o3g2000yqb.googlegroups.com>,
uNmaiviLambi <tripurantaka@yahoo.com> posted:

> On Feb 13, 11:21=A0pm, "harmony" <a...@hotmail.com> wrote:
> > India's industrial production has risen at its fastest pace in more than =
> > a
> > decade, providing further evidence of the country's strong economic
> > recovery.

> You think Muslims might have reduced it by 1% at least, from 17 to 16,
> through terrorism and smuggling? Most smugglers are muslims

Completely valid points, dhanyavaad.

Jai Maharaj, Jyotishi
Om Shanti

== 4 of 5 ==
Date: Sun, Feb 14 2010 1:52 pm
From: habshi@anony.net

And of course Congress wants to withdraw the financial incentives
the govt put in when the recession struck. Cant leave a good thing
alone,
However food is getting too expensive for the poor and there is not
enough available in the world for India to feeds its exponentially
increasing population ,adding a USA in the next 15 years!

excerpt
India's food grain output may fall by 7.5 percent this year after the
weakest rains in nearly four decades, according to a government
forecast, driving up prices in the South Asian nation.

Food grain output is expected to decline to 216.85 million tonnes in
the crop year ending in June from 234.47 million tonnes the previous
year

India's food inflation climbed again to hit nearly 18 percent,
official figures showed Thursday, days after Premier Manmohan Singh
declared the worst of the problem was over.

New figures released by the commerce ministry showed annual food
inflation jumped to 17.94 percent for the final week of January, up
from 17.56 percent the previous week.
High food inflation, driven by soaring prices for pulses, vegetables
and sugar, has given a political boost to opposition parties, which
have accused the government of incompetence.
The weakest monsoon rains in nearly four decades affected harvests
last year, sending food prices rocketing, with the cost of some
staples doubling from a year earlier.

http://www.google.com/hostednews/afp/article/ALeqM5givrCWkl438xPBo2o9K3o-p1TPxw

== 5 of 5 ==
Date: Sun, Feb 14 2010 1:59 pm
From: habshi@anony.net

The land is exhausted . Humans have become locusts. You could
have a never ending line of ships even if that amount was available in
other countries , and still it wouldnt be enough to feed India.
Expect famine and major riots and even break up if this
continues. A 2 child limit must be brought in NOW.

excerpt bloomberg

As per the Second Advance Estimates of production of major crops,
India's food production is expected to decline 7.3% or 17.0 million
tonnes during 2009-10 to four years low level of 216.85 million
tonnes.

http://www.bloombergutv.com/stock-market/commodities-market/commentary/374889/wheat-augments-further-on-reports-of-drop-in-food-grains-output.html

==============================================================================
TOPIC: Beautiful Sexy naked bodys Photos
http://groups.google.com/group/rec.arts.movies.local.indian/t/1702b01b43c56c5a?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 14 2010 12:25 pm
From: gffgfg

Beautiful Sexy naked bodys Photos

http://beautiful-hot-girls-photo.blogspot.com

==============================================================================
TOPIC: SECURITY STRENGTHENED IN MUMBAI, MAHARASHTR [MUSLIM TERRORISM]
http://groups.google.com/group/rec.arts.movies.local.indian/t/db5e6a7f95239493?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 14 2010 12:42 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

I used "STRENGTHENED" in my original post's subject header.

Jai Maharaj, Jyotishi
Om Shanti

In article <4b779339$0$12424$bbae4d71@news.suddenlink.net>,
"harmony" <aka@hotmail.com> posted:
>
> it is unconstitutional to beef up in view the law that bans cow slaughter?
>
>
> Dr. Jai Maharaj posted:
>
> > Security beefed up in Mumbai, Maharashtra
> >
> > IANS
> > The Indian Express
> > First Published: 14 Feb 2010 12:29:33 AM IST
> >
> > Mumbai - Maharashtra Chief Minister Ashok Chavan said late Saturday
> > that security in Mumbai and other parts of the state had been
> > tightened in the wake of the Pune terror attack in which nine people
> > died.
> >
> > The leaves of all policemen across the state have been cancelled
> > following the attack, in which 32 people were injured.
> >
> > "The number of fatalities is likely to go up," said a grim chief
> > minister after chairing a meeting of top officials late Saturday.
> >
> > "Security has been tightened at all important installations,
> > including the airport, railway stations and other places in Mumbai,"
> > said Chavan as he emerged from the meeting.
> >
> > "Security has been tightened at all the locations which were surveyed
> > by Lashkar-e-Taiba operative David Headley last year in Mumbai, Pune
> > and other places," he added.
> >
> > Referring to a central alert in October 2009 warning of a possible
> > terror strike in Pune, Chavan said that there was complete co-
> > ordination between the state and central security apparatus.
> >
> > But he declined to comment on the possibility of involvement of known
> > terror groups as being responsible for the blast.
> >
> > "Until I get the feedback from the investigators at the site, I would
> > not like to comment on this as it has major ramifications," Chavan
> > said.
> >
> > Pune Police Commissioner Satyapal Singh confirmed late Saturday night
> > that nine people, including five women, perished in the blast.
> >
> > At team of the Force One commando left from Mumbai Saturday to assist
> > the Mumbai and Pune Anti-Terrorist Squads, the NIA, the CBI and the
> > NSG teams in the investigations.
> >
> > A team of experts from the Pune cantonment of the Southern Army
> > Command has also reached the site of the blast, the first major
> > terror blast in the country after Nov 26, 2008 Mumbai terror attacks.
> >
> > Chavan also announced compensation of Rs.100,000 for the next of kin
> > of each of the deceased and Rs.50,000 for the injured.
> >
> > Earlier Deputy Chief Minister Chhagan Bhujbal admitted that though
> > alerts have been regularly received, these did not specify the time
> > or location of the possible terror attacks.
> >
> > Besides Maharashtra the central government has issued an advisory to
> > all states to tighten security after the blast.
> >
> > In Mumbai, security was tightened at the Chhatrapati Shivaji
> > International Airport, the Mumbai Port, the BARC, BSE, important
> > railways terminals and stations, luxury hotels, important government
> > buildings, VVIP areas of south Mumbai and the beaches dotting the
> > city.
> >
> > Elsewhere in Maharashtra, security has been beefed up at the Sai Baba
> > Temple in Shirdi, the Pandharpur Temple and other major places of
> > historical, religious and tourism significance.
> >
> > More at:
> >
> http://www.expressbuzz.com/edition/story.aspx?title=Security%20beefed%20up%20
> in%20Mumbai,%20Maharashtra&artid=ZD07b1uAC84=&type=
> >
> > Jai Maharaj, Jyotishi
> > Om Shanti
> >
> > o Not for commercial use. Solely to be fairly used for the
> > educational
> > purposes of research and open discussion. The contents of this post may
> > not
> > have been authored by, and do not necessarily represent the opinion of the
> > poster. The contents are protected by copyright law and the exemption for
> > fair use of copyrighted works.
> > o If you send private e-mail to me, it will likely not be read,
> > considered or answered if it does not contain your full legal name,
> > current
> > e-mail and postal addresses, and live-voice telephone number.
> > o Posted for information and discussion. Views expressed by others
> > are
> > not necessarily those of the poster who may or may not have read the
> > article.
> >
> > FAIR USE NOTICE: This article may contain copyrighted material the use of
> > which may or may not have been specifically authorized by the copyright
> > owner. This material is being made available in efforts to advance the
> > understanding of environmental, political, human rights, economic,
> > democratic, scientific, social, and cultural, etc., issues. It is believed
> > that this constitutes a 'fair use' of any such copyrighted material as
> > provided for in section 107 of the US Copyright Law. In accordance with
> > Title
> > 17 U.S.C. Section 107, the material on this site is distributed without
> > profit to those who have expressed a prior interest in receiving the
> > included
> > information for research, comment, discussion and educational purposes by
> > subscribing to USENET newsgroups or visiting web sites. For more
> > information
> > go to: http://www.law.cornell.edu/uscode/17/107.shtml
> > If you wish to use copyrighted material from this article for purposes of
> > your own that go beyond 'fair use', you must obtain permission from the
> > copyright owner.
> >
> > Since newsgroup posts are being removed
> > by forgery by one or more net terrorists,
> > this post may be reposted several times.
>
>

==============================================================================
TOPIC: My name is Khan and I'm not a terrorist but
http://groups.google.com/group/rec.arts.movies.local.indian/t/4eb1643647a5f768?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 14 2010 12:52 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

In article <aaa5b1c6-4108-4326-8fc9-cd667d231a13@o3g2000yqb.googlegroups.com>,
Moorthy <mortayee@hotmail.co.uk> posted:

>> 90% of terrorist acts are committed by my coreligionist. This would have
>> been a honest comment on existing violence by the cult of Bedouine pedophile
>> lecher. But this sort of intellectual honesty, introspection and bravery
>> require functional neurones that have not been destroyed by unremitting
>> brainwashing by constant reading of death manual aka Qoran.

> Mr Khan wants to make a point that all Muslims are not terrorists and
> to label the entire religion as religion of terror is wrong. But the
> fact is that Islamic or Jihadi terrorism has been so labelled due
> considerable evidence, such as widespread persisting terror among a
> vast majority of Islamic nations, its promotion by vast majority of
> Muslims clerics and the fact it has its antecedent in Muhammad=92s own
> conduct before and after he started having his round table or rather
> mountain top scheduled meeting with entity called Allah. So instead
> of acting as apologists for Islamic terror network and trying to
> brainwash Indian masses, already inebriated on heavy dose of Gandhism
> ia hogwash, Mr Khan and his effeminate partner Johar should have
> directed their conservable resources towards educating Muslims masses
> against Koran-inspired hatred, fanaticism and barbarity that breeds
> Jihadist.
>
> India inviting Pakistan, with or without US prompting has no relevance
> in justifying invitation to Pakistanis players. Let us not forget that
> democratic nation had held talks with Nazis. Those who talk about
> sport should be above politics will do well to remember that politics
> impinges all aspects of life and sport never was, nor is or will be
> above politics. Let us also not forget that sports and politics has
> been intertwined; after Soviets invasion of Afghanistan invasion the
> Western and Muslim nations boycotted Moscow Olympics, just as South
> Africa during apartheid regime. Mr Khan is entitled to express his
> admiration for his Pakistani coreligionist., but this wholly holier
> than thou attitude of large section of Indians towards this kids glove
> attitude towards the nation that exists to hate India is bizarre.

I have modified the distribution of this thread to:

soc.culture.indian,alt.fan.jai-maharaj,rec.sport.cricket,rec.arts.movies.local.indian,rec.arts.movies.current-films

Please boycott movies that promote Islam and Muslims.

Jai Maharaj, Jyotishi
Om Shanti

==============================================================================
TOPIC: Khans have just terrorised Pune!
http://groups.google.com/group/rec.arts.movies.local.indian/t/8c403b94fd4f1604?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 14 2010 12:55 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

In article <f61c9de4-3faa-416c-9952-e52cfbe5fcc7@z17g2000yqh.googlegroups.com>,
Moorthy <mortayee@hotmail.co.uk> posted:
>
> Slap on like of ToI, NDTV and Indian idiots. This is alo timely
> comment on MNIK
>
> http://timesofindia.indiatimes.com/city/pune/8-confirmed-dead-33-injured-in-blast-at-Pune-bakery/articleshow/5569873.cms

The mainstream media will try to spin the act of Muslim terrorism in
order to either dilute or totally deny it.

Jai Maharaj, Jyotishi
Om Shanti

==============================================================================
TOPIC: Student attacks hit Australian education industry
http://groups.google.com/group/rec.arts.movies.local.indian/t/d53bcd84907314bc?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 14 2010 1:08 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

Jai Maharaj, Jyotishi
Om Shanti

In article <361f910a-fc09-4f56-a585-a1ef3aa4580d@m35g2000prh.googlegroups.com>,
kangarooistan <kangarooistan9@gmail.com> posted:

> On Feb 14, 2:02=A0pm, "harmony" <a...@hotmail.com> wrote:
> >
> > "Torpedo" <gu...@unknown.com> wrote in message
> >
> > news:hl5tc8$8f3$1@speranza.aioe.org...
> >
> > >http://www.abc.net.au/news/stories/2010/02/13/2818697.htm?section=3Djust=
> in
> >
> > > Student attacks hit education industry
> >
> > > By Emily Bourke for AM
> > > Posted 8 hours 57 minutes ago
> >
> > > Australia's private education sector says overseas student enrolments h=
> ave
> > > taken a serious dive following the spate of attacks on Indian students.
> >
> > > The most recent violent incident emerged in Western Australia yesterday
> > > with
> > > the deaths of two Indian students who were allegedly killed by another
> > > Indian student after an argument over money.
> >
> > > Industry experts say the Government's recently announced changes to the
> > > migration program have also shaken the overseas student market.
> >
> > > And there are now calls for a body to represent the interests of the
> > > entire
> > > sector to help repair the damage.
> >
> > > Andrew Smith, from the Australian Council for Private Education and
> > > Training, says there has been a drop of between 40 and 50 per cent in
> > > applications from South Asian countries, particularly India.
> >
> > > "We've seen some fall away from the China market which is another key
> > > market
> > > but we are also seeing some increases in other markets and we expected
> > > over
> > > the course of this year, numbers overall will actually probably hold ab=
> out
> > > the same," he said.
> >
> > > "There just won't be anything like the rates of growth we've experience=
> d
> > > in
> > > recent years."
> >
> > > But he says the Government's changes to the skilled migration program a=
> re
> > > likely stunt growth in the education market.
> >
> > > "There was a further suite of changes announced last week," he said.
> >
> > > "The disappointing thing from our point of view was that those changes
> > > rely
> > > on a specialised occupation list being developing and that list is stil=
> l
> > > several months away from being developed and released, which makes it v=
> ery
> > > hard for businesses to plan, makes it very hard for prospective student=
> s
> > > to
> > > know what their options might be."
> >
> > > Industry and government are desperate to restore confidence in Australi=
> a
> > > as
> > > a safe place for quality education.
> >
> > > Rod Jones from the Navitas education provider says while there is plent=
> y
> > > of
> > > goodwill, he fears the effort to repair Australia's reputation is
> > > uncoordinated and he says a new umbrella body should be set up.
> >
> > > "It is the third or fourth largest export industry for this country and=
> it
> > > seems really quite amazing that there is not a body that's looking to t=
> ry
> > > and coordinate from a government perspective, the best possible outcome
> > > for
> > > this country in terms of delivering both additional export dollars but
> > > taking a view about the long-term future and strategy of how we should
> > > best
> > > manage this industry as we move forward," he said.
> >
> > > Mr Smith says it could be something along the lines of Tourism Australi=
> a.
> >
> > > "This is a significant industry - it needs the support and it needs the
> > > strategic approach that will see us take this industry to the next step=
> ,"
> > > he
> > > said.
> >
> > > The news of two Indian student deaths in Western Australia is unlikely =
> to
> > > go
> > > unnoticed in India. The task of restoring confidence could be about to =
> get
> > > more difficult.

> > u.n. should declare oz as an incomptentent nation, and send u.n.
> > peacekeeping mission there, taking over the oz.

> Australia is far more racist than the average aussie actually knows
>
> Most dont see it , most would not worry too much if they DID see it
> But the STATS prove the FACT that Australia STILL has a VERY VERY long
> way to go
>
> When they REMOVE the RACISTS from the police and legal and political
> systems we MAY overcome most of the problems
>
> To ASK most white if they think Australia is a raciat country is a
> JOKE
>
> Of COURSE they wont answer YES
>
> MOST racists crimes are not EVEN reported
>
> most brown people KNOW there is no point asking the police or the
> courts to uphold the LAW
>
> Most police and most politicians and MOST judges are WHITE RACISTS
>
> BUT it is slowly getting BETTER
>
> Another 100 years should see it improve
>
> kanga
> =3D=3D=3D=3D=3D

Folks planning to visit Australia need to reconsider their plans, and
investors, too, need to look elsewhere.

Jai Maharaj, Jyotishi
Om Shanti

==============================================================================
TOPIC: Christian Priests Rape Children - WHY POPE BENEDICT IS LIKE A TOYOTA
http://groups.google.com/group/rec.arts.movies.local.indian/t/9807bb18b9638ef6?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 14 2010 1:37 pm
From: "ranjit_mathews@yahoo.com"

On Feb 10, 8:06 pm, use...@mantra.com and/or www.mantra.com/jai (Dr.
Jai Maharaj) wrote:
> Why is Pope Benedict like a Toyota?
>
> By Father Tim
> Irish Central
> Wednesday, February 10, 2010

> I recall a recent interview with a high-ranking Vatican official that
> received a great deal of coverage. Probably 95% of what was said
> expressed shame for the scandal and compassion for its victims. But
> then the poor Churchman gave the sharks what they wanted: He told the
> interviewer that "most priests are good, decent people who faithfully
> follow and live the Gospel."
>
> Bullseye! The beast had been fed.

The sensationalist rumor mill has been fed its grist?

> "Despite child sex scandal, Vatican claims 'priests are good'"
> roared the headlines repeated around the world.

This might give the erroneous impression that the Vatican claimed that
priests involved in child abuse are good. What was actually claimed,
however, was that priests who follow and live the gospel are good.

So, the headlines, if they wanted to be truthful about what the
Vatican actually claimed, should have roared "Vatican claims that
priests are good, despite following and living the gospel".

==============================================================================
TOPIC: Sick Jai floods ngs for years with child porn , abuse articles
http://groups.google.com/group/rec.arts.movies.local.indian/t/3fae9c5dbca9b8b3?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 14 2010 1:56 pm
From: habshi@anony.net

The man must be a psychopath for not listening to everyone
telling him that these stories have no relevance in computer ,
language and other ngs.
Take it to alt.crime if you really want to help. He has been
doing this wrecking job on the ngs for years and years and seems deaf
to all reason.

==============================================================================
TOPIC: VICTIMS OF SEX CRIMES BY CHRISTIAN PRIESTS DEMAND APOLOGY FROM POPE
http://groups.google.com/group/rec.arts.movies.local.indian/t/76383eaf651fc63c?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 14 2010 2:04 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

Abuse victims call for Pope apology

The Press Association
Sunday, February 14, 2010

(UKPA) - Survivors of clerical abuse have demanded leadership and
accountability from Pope Benedict as Irish Bishops prepared for a
major Vatican summit over the devastating scandals.

The 24 senior clergymen will take part in unprecedented two-day talks
after being hauled before the Pontiff over the sexual abuse
revelations that have rocked the Irish church.

John Kelly, of the Survivors of Child Abuse support group, said they
want Pope Benedict to take firm action to restore the church in
Ireland and provide proper financial compensation to victims.

More at:
http://www.google.com/hostednews/ukpress/article/ALeqM5isYMHgoHI-j99jX5_2jvLnG7nGLQ

Jai Maharaj, Jyotishi
Om Shanti

Since newsgroup posts are being removed
by forgery by one or more net terrorists,
this post may be reposted several times.

==============================================================================
TOPIC: ISSUER OF 79.9% INTEREST RATE CREDIT CARD DEFENDS ITS PRODUCT
http://groups.google.com/group/rec.arts.movies.local.indian/t/4c41b73dcac87420?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 14 2010 2:10 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

Issuer of 79.9% Interest Rate Credit Card Defends Its Product

By Connie Prater
Yahoo! Finance
Friday, February 12, 2010

APR Shocks Many, but Issuer Says They Are Pricing for the Risk

If you have bad credit in the new era of credit card regulation, be
prepared to pay -- dearly -- for the privilege of using credit.
That's the message underlying recent credit card offers that feature
jaw-dropping interest rates of up to 79.9 percent.

The sky-high rates may be a sign of things to come in the market for
so-called subprime credit cards as issuers who lend to the riskiest
of borrowers try to figure out how to stay in business and comply
with the new credit card reform law.

"We need to price our product based on the risk associated with this
market and allow the customer to make the decision whether they want
the product or not," according to a statement issued by Miles Beacom,
CEO of Premier Bankcard, the South Dakota credit card marketer that
mailed test offers in September and October featuring 79.9 percent
and 59.9 percent annual percentage rates (APRs) on cards with $300
credit limits. Premier markets credit cards issued by First Premier
Bank.

Yes, It's Legal

A national bank charging 79.9 percent interest on a credit card is
legal -- as long as the issuer fully discloses the terms as required
by the federal Truth in Lending Act. Still, the high rate has been
met with shock across the country because it is so much higher than
prevailing APRs and penatly interest rates. The CreditCards.com
Weekly Rate report national average for bad credit credit cards was
14.15 percent on Feb. 12.

The high interest rate offers may add urgency to an ongoing debate on
Capitol Hill over reinstituting nationwide usury rates that cap
credit card interest rates. On Dec. 11, a lawmaker introduced a bill
in the U.S. House of Representatives to cap credit card rates at 16
percent -- the latest attempt among several in recent years to limit
rates. The powerful and well-financed banking lobby has successfully
quashed those efforts.

Credit counselors warn consumers to be sure they read the fine print
of these new offers and seek advice about other options before
signing up for the cards.

"Anyone who feels they have no choice but to get one of these should
get help from a credit counselor," advises Sandy Shore, a counselor
with Novadebt, a New Jersey-based consumer credit counseling agency.
"There are other alternatives, like a debit card or even a secured
card. The counselor can give the consumer other ways to reestablish
their credit, depending on their circumstances."

Law Limits Upfront Fees

New restrictions in the Credit CARD Act of 2009 limit the upfront
fees credit card issuers can charge on subprime accounts. The low-
credit, high-cost cards, known as fee harvesting credit cards, are
issued to people with bad credit or no credit history and feature
credit limits of $500 or less. Issuers typically charge a slew of
fees at the outset to compensate for the risk of lending to people
with poor repayment histories. Starting Feb. 22, 2010, the law will
limit upfront fees to no more than 25 percent of the available credit
on the account.

As a result, subprime credit card marketers are testing the waters
with offers that essentially shift the pricing on their products from
upfront fees to high interest rates.

The First Premier card's test offer featured a $75 upfront fee --
exactly 25 percent of the card's credit limit, as the new law
mandates. "Because of the new regulations that limit the fees on a
credit card to 25 percent of a credit card's line, we will need to
shift the premium from upfront fees on risk to the interest rate,"
Beacom says. "We have to be able to price the product to offset the
risk."

In December, the bank's regular Gold card, as advertised on its Web
site, include a 9.9 percent APR and the following upfront fees: $29
account setup fee, $95 one-time program fee, $48 annual fee and a $7
monthly servicing fee.

"There's 70 million people out there who have been identified with
problem credit," says Beacom, adding those are people with FICO
scores lower than 640. "These are people who have had problems with
their credit in the past."

He likened people with bad credit to bad automobile drivers who must
pay higher auto insurance premiums if they want to continue driving.
"These are people who have had those same accidents or speeding
tickets with their credit."

He adds: "It's going to be very difficult for these individuals to
obtain credit after February."

Prior to the credit crunch, a subprime borrower might take eight to
16 months to build a good enough credit record to qualify for lower
interest rates on prime cards. Today, however, because the prime
lenders have dramatically tightenend their credit standards, it could
take 16 to 24 months or longer to build their credit.

Competitive Market Changes

In addition to Premier, the Nevada-based Credit One Bank has also
mailed out offers featuring different fee structures, according to
Andrew Davidson, senior vice president of Mintel Comperemedia, a
Chicago direct-mail research consulting firm. Mintel is tracking how
credit card offers are changing in light of the credit card law
restrictions. "The indication here is that the subprime issuers are
looking at ways to work within the new law," Davidson says. "Some
suggest they will stop operating in that space, but the reality is
there are always going to be people who need to establish credit and
rebuild their credit."

He notes that while many credit card issuers scaled back direct mail
card offers during the recession, "First Premier has consistently
been mailing during the downturn." The reason: Demand is high among
people with bad credit. "If they can work around these laws so that
they can have a business model that works, they can continue to have
a successful operation," Davidson adds.

One of First Premier's competitors in the subprime credit card
market, CompuCredit, apparently could not find a model that worked
for them while complying with the new law. Under fire from consumer
advocates, facing lawsuits and mounting losses, CompuCredit decided
to stop marketing the high-fee cards to bad-credit consumers.

Credit One's Platinum Visa card offer mailed in August 2009 featured
a 23.9 percent APR and a range of annual fees that were card law
compliant, that is, no more than 25 percent of the credit limit on
the card, according to Mintel.

An spokeswoman for HSBC, another marketer of subprime cards, said it
has no plans for testing. Premier's Beacom says the new regulations
may make it impossible for subprime issuers to continue to make money
in that high-risk niche market.

"The cost of funding for these products is very difficult these
days," he says, noting that his competitors are also testing
different product offerings. "One, many or maybe all" of the subprime
issuers could go out of business, he says.

Beacom says it's too early to tell if the 79.9 percent card offers
will last. It normally takes them nine to 12 months to analyze the
results of a test product.

Customers who sign up for the high-interest card and want to back out
can get full refunds and close the accounts, Beacom says.

"From our initial research we know that 83 percent of the people who
accepted the offer are fully aware of the interest rate they are
receiving and the purpose of the credit card to help re-establish
credit. If anyone accepts the offer and didn't fully understand it or
no longer wants it they can take advantage of our full refund of fees
policy."

Response to 79.9% Offer 'Phenomenal'

Has First Premier gotten any takers on the 79.9 percent cards? Beacom
called the response "phenomenal," adding 2 percent of people
receiving the offers have applied for the cards. Their normal
response rates is 1 percent to 1.2 percent, he says. "It's double
what our normal product was."

Shore, the New Jersey credit counselor, urged consumers not to jump
at the first high-interest offer they receive. "I would caution
anyone who is considering a card like this to wait. Other credit card
issuers will be adjusting their products and there may be better
alternatives coming out," Shore says.

"No one should be shocked at the interest rate on [the First Premier]
card," Shore notes. "These cards are being marketed to consumers with
very poor credit. The APR is actually much lower than the old
subprime cards because the fees are much less."

In other words, when you added up all the fees on the old cards,
they're the dollar equivalent of a huge interest rate on the amount
borrowed. (For example, $250 in fees on a $300 credit limit would
amount to an 83 percent interest rate.)

"If someone wants to take a chance on a card like this, they should
use it only as a convenience and pay the whole thing off when the
bill comes," Shore adds. "Many consumers who have credit that poor do
not have good credit habits and are likely to carry balances."

Beacom from Premier says the astronomic interest rate will only
affect revolvers -- people who do not pay their entire balances off
each month. "People pay it off every month, they pay no interest," he
adds.

Those getting the offer have a choice, Beacom says.

"If everything is fully disclosed, if they want it fine, if they
don't want it fine," he adds."People should be able to make that
decision rather than the government cutting off access and saying
they know best."

"Our goal is really to keep these lines controlled because these are
people who have had problems in the past," Beacom says. "It's really
to help build up the discipline without them getting into credit
trouble again."

"Whether it works or not, time will tell," he adds.

More at:
http://finance.yahoo.com/banking-budgeting/article/108839/issuer-of-79.9-interest-rate-credit-card-defends-its-product?mod=bb-creditcards

Jai Maharaj, Jyotishi
Om Shanti

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Sunday, February 14, 2010

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