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

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==============================================================================
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 4 ==
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

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

== 2 of 4 ==
Date: Sun, Feb 14 2010 3:26 pm
From: BobR

On Feb 14, 4:10 pm, use...@mantra.com and/or www.mantra.com/jai (Dr.
Jai Maharaj) wrote:
> 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-7...
>
> 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.

Well if you don't like it, don't the the damn credit card. What the
hell could be easier to understand than that? If there are no idiots
like you taking the card and using it, they won't get any business and
the whole stupid problem goes away.

== 3 of 4 ==
Date: Sun, Feb 14 2010 3:40 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

In article <cac2e63c-79e6-48ed-87c3-2ebcdb4a9341@g28g2000yqh.googlegroups.com>,
BobR <reed1@r-a-reed-assoc.com> posted:

> Dr. Jai Maharaj posted:
>
> > 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-7...
> >
> > Jai Maharaj, Jyotishi
> > Om Shanti
> >
> > =A0 =A0 =A0o =A0Not for commercial use. Solely to be fairly used for the =
> educational
> > purposes of research and open discussion. The contents of this post may n=
> ot
> > have been authored by, and do not necessarily represent the opinion of th=
> e
> > poster. The contents are protected by copyright law and the exemption for
> > fair use of copyrighted works.
> > =A0 =A0 =A0o =A0If you send private e-mail to me, it will likely not be r=
> ead,
> > considered or answered if it does not contain your full legal name, curre=
> nt
> > e-mail and postal addresses, and live-voice telephone number.
> > =A0 =A0 =A0o =A0Posted for information and discussion. Views expressed by=
> others are
> > not necessarily those of the poster who may or may not have read the arti=
> cle.
> >
> > 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 believe=
> d
> > 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 T=
> itle
> > 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 incl=
> uded
> > information for research, comment, discussion and educational purposes by
> > subscribing to USENET newsgroups or visiting web sites. For more informat=
> ion
> > go to: =A0http://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.

> Well if you don't like it, don't the the damn credit card. What the
> hell could be easier to understand than that? If there are no idiots
> like you taking the card and using it, they won't get any business and
> the whole stupid problem goes away.

Where did I write in the original post if I like or don't like the card?
I didn't.

Jai Maharaj, Jyotishi
Om Shanti

== 4 of 4 ==
Date: Sun, Feb 14 2010 6:07 pm
From: BobR

On Feb 14, 5:40 pm, use...@mantra.com and/or www.mantra.com/jai (Dr.
Jai Maharaj) wrote:
> In article <cac2e63c-79e6-48ed-87c3-2ebcdb4a9...@g28g2000yqh.googlegroups.com>,
> BobR <re...@r-a-reed-assoc.com> posted:
>
> > Dr. Jai Maharaj posted:
>

> > Well if you don't like it, don't the the damn credit card. What the
> > hell could be easier to understand than that? If there are no idiots
> > like you taking the card and using it, they won't get any business and
> > the whole stupid problem goes away.
>
> Where did I write in the original post if I like or don't like the card?
> I didn't.
>
> Jai Maharaj, Jyotishi
> Om Shanti

Well, YOU were the one making the post about somthing that could only
be construed as being of concern to YOU. If it doesn't concern YOU,
then take my comment as the collective YOU and apply it to anyone
stupid enough to use a card with that kind of interest rate. It
shouldn't take the government to substitute for common sense of the
user.

==============================================================================
TOPIC: hey oz, how well you know your precious hindus before you beat them up
http://groups.google.com/group/rec.arts.movies.local.indian/t/5a457b6d7f48271f?hl=en
==============================================================================

== 1 of 3 ==
Date: Sun, Feb 14 2010 2:31 pm
From: "harmony"

Monday,01 February 2010

Melbourne: A 14-year-old girl of Indian-origin has been crowned as
Australia's brainiest student in a neuroscience knowledge competition held
in Sydney, reports ANI. Uma Jha, from Perth's Shenton College, in inner-west
Shenton Park, beat over 4000 competitors from across Australia to bag the
title.

The 2010 Australian Brain Bee Challenge is designed to test high school
students on a range of topics, including intelligence, memory, emotions,
sleep, Alzheimer's disease and stroke. Uma has to compete against other
state winners in the national final of the competition, which included a
brain-teasing anatomy exam, doctor-patient diagnosis and a neuroscience
quiz.

"The competition was tied right up until the end and it was a really
nerve-wracking finish," News.com.au quoted Uma as saying after the event.
"I've never won a national science competition before, so it's amazing."

Uma will now travel to California for the International Brain Bee Challenge
in August.

== 2 of 3 ==
Date: Sun, Feb 14 2010 3:53 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

Please note that Australians are quick to call her "Aussie", no doubt with pride:

Perth girl is 'brainiest' Aussie student

http://news.smh.com.au/breaking-news-national/perth-girl-is-brainiest-aussie-student-20100201-n8od.html

Jai Maharaj, Jyotishi
Om Shanti

In article <4b7879b4$0$12457$bbae4d71@news.suddenlink.net>,
"harmony" <aka@hotmail.com> posted:
>
> Monday,01 February 2010
>
> Melbourne: A 14-year-old girl of Indian-origin has been crowned as
> Australia's brainiest student in a neuroscience knowledge competition held
> in Sydney, reports ANI. Uma Jha, from Perth's Shenton College, in inner-west
> Shenton Park, beat over 4000 competitors from across Australia to bag the
> title.
>
> The 2010 Australian Brain Bee Challenge is designed to test high school
> students on a range of topics, including intelligence, memory, emotions,
> sleep, Alzheimer's disease and stroke. Uma has to compete against other
> state winners in the national final of the competition, which included a
> brain-teasing anatomy exam, doctor-patient diagnosis and a neuroscience
> quiz.
>
> "The competition was tied right up until the end and it was a really
> nerve-wracking finish," News.com.au quoted Uma as saying after the event.
> "I've never won a national science competition before, so it's amazing."
>
> Uma will now travel to California for the International Brain Bee Challenge
> in August.
>
>

== 3 of 3 ==
Date: Sun, Feb 14 2010 4:37 pm
From: "Torpedo"

...she probably has different elective subjects:

http://news.smh.com.au/breaking-news-national/boy-13-stabbed-in-chest-in-school-20100215-o07z.html

Boy, 13, stabbed in chest in school

February 15, 2010 - 11:19AM
AAP

A 13-year-old boy stabbed in the chest at a Brisbane school is in a critical
condition.

Police are questioning a youth after the boy was stabbed at a Catholic
school in Brisbane about 8.30am (AEST) on Monday.

"We've treated a child with a puncture wound to the chest," a Department of
Community Safety spokeswoman said.

"He's been transported to the Royal Children's Hospital under lights and
sirens."

A spokesman for Education Minister Geoff Wilson said the boy was in a
critical condition.

Police said they were speaking with a youth about the incident.

"Another youth is currently assisting police with inquiries," a spokeswoman
said.

St Patrick's College at Shorncliffe said it was unable to comment on the
incident.

"harmony" <aka@hotmail.com> wrote in message
news:4b7879b4$0$12457$bbae4d71@news.suddenlink.net...
> Monday,01 February 2010
>
> Melbourne: A 14-year-old girl of Indian-origin has been crowned as
> Australia's brainiest student in a neuroscience knowledge competition held
> in Sydney, reports ANI. Uma Jha, from Perth's Shenton College, in
inner-west
> Shenton Park, beat over 4000 competitors from across Australia to bag the
> title.
>
> The 2010 Australian Brain Bee Challenge is designed to test high school
> students on a range of topics, including intelligence, memory, emotions,
> sleep, Alzheimer's disease and stroke. Uma has to compete against other
> state winners in the national final of the competition, which included a
> brain-teasing anatomy exam, doctor-patient diagnosis and a neuroscience
> quiz.
>
> "The competition was tied right up until the end and it was a really
> nerve-wracking finish," News.com.au quoted Uma as saying after the event.
> "I've never won a national science competition before, so it's amazing."
>
> Uma will now travel to California for the International Brain Bee
Challenge
> in August.
>
>

--- news://freenews.netfront.net/ - complaints: news@netfront.net ---

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

== 1 of 3 ==
Date: Sun, Feb 14 2010 2:54 pm
From: "harmony"

v-d is to teen pregnancy what the marlboro man does for lung cancer.
time for the national hiv institute to come out against v-day like the
national cancer institute has come out against smoking.
you wouldn't want v-day any more than you would want a national smoking day.

<usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)> wrote in
message news:20100213Dw028c6hQZBSL09XwAR505z@V1N4X...
> "Bang Adil", writes the poster. One woners if this Adil is underage or
> suffering from VD.
>
> Jai Maharaj, Jyotishi
> Om Shanti
>
> In article <4b777444$0$12432$bbae4d71@news.suddenlink.net>,
> "harmony" <aka@hotmail.com> posted:
>>
>> on v day they feel encouraged, contributing to problem.
>> a lot of unwanted teen pregnancy is v's fault - and poeple like you for
>> helping commericalize it.
>
>> "Bang Adil" <BangAdil@aol.com> wrote in message
>>
>> news:41128994-2572-4966-acd2-6ed6e665e67c@s36g2000prh.googlegroups.com...
>>
>> 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
>
>> Dr. Jai Maharaj posted:
>>
>> > 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.
>>
>>

== 2 of 3 ==
Date: Sun, Feb 14 2010 3:03 pm
From: DM

On Feb 14, 6:08 pm, Kopral Johnny <kopral_joh...@ggmail.com> wrote:
> DM <d-m...@adfa.edu.au> wrote in news:b60273ee-951a-434e-
> 8c61-09bc7346a...@p13g2000pre.googlegroups.com:
>
> > My sex has always been free.
>
> of course, since you wank all the time ! LOL

Studies show that 90% of men masturbate, and that 10% of men lie in
surveys.
You'd be one of the 10% I'd wager.

== 3 of 3 ==
Date: Sun, Feb 14 2010 4:21 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

Unfortunately, there is a National Smoking Day:

http://takingliberties.squarespace.com/taking-liberties/2010/1/27/national-smoking-day-wtf.html

but I get your point.

Jai Maharaj, Jyotishi
Om Shanti

In article <4b787f37$0$12446$bbae4d71@news.suddenlink.net>,
"harmony" <aka@hotmail.com> posted:
>
> v-d is to teen pregnancy what the marlboro man does for lung cancer.
> time for the national hiv institute to come out against v-day like the
> national cancer institute has come out against smoking.
> you wouldn't want v-day any more than you would want a national smoking day.

> Dr. Jai Maharaj posted:
>
> > "Bang Adil", writes the poster. One woners if this Adil is underage or
> > suffering from VD.
> >
> > Jai Maharaj, Jyotishi
> > Om Shanti
> >
> > In article <4b777444$0$12432$bbae4d71@news.suddenlink.net>,
> > "harmony" <aka@hotmail.com> posted:
> >>
> >> on v day they feel encouraged, contributing to problem.
> >> a lot of unwanted teen pregnancy is v's fault - and poeple like you for
> >> helping commericalize it.
> >
> >> "Bang Adil" <BangAdil@aol.com> wrote in message
> >>
> >> news:41128994-2572-4966-acd2-6ed6e665e67c@s36g2000prh.googlegroups.com...
> >>
> >> 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
> >
> >> Dr. Jai Maharaj posted:
> >>
> >> > 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.
> >>
> >>
>
>

==============================================================================
TOPIC: OPEN LETTER TO MR. SHAHRUKH KHAN by Bandyopadhyay Arindam *** Jai
Maharaj posts
http://groups.google.com/group/rec.arts.movies.local.indian/t/7d27930f80c0a9f1?hl=en
==============================================================================

== 1 of 2 ==
Date: Sun, Feb 14 2010 3:21 pm
From: "harmony"

<usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)> wrote in
message news:20100212P6UZ3bnrdYfYUG47Fg8y32K@YOWf8...
> By Bandyopadhyay Arindam
> ivarta.com
> January 31, 2010
>

this is no time to write letters.
shiv sena has it just right.
the moive is a big flop across india. about the ones seeing it are muslims.
of course some whites in europe and uk will see it just to rub it in as is
their habit.
this is the first time the hindus have acted concertedly in favor of their
security, defying their govt, their media and their movie folks - yes, these
ones who have presumed to have held sway over people - all at once. it is a
great day for india.

== 2 of 2 ==
Date: Sun, Feb 14 2010 4:54 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

In article <4b788563$0$12456$bbae4d71@news.suddenlink.net>,
"harmony" <aka@hotmail.com> posted:

> Dr. Jai Maharaj posted:
>
> > By Bandyopadhyay Arindam
> > ivarta.com
> > January 31, 2010
> > . . .

> this is no time to write letters.
> shiv sena has it just right.
> the moive is a big flop across india. about the ones seeing it are muslims.
> of course some whites in europe and uk will see it just to rub it in as is
> their habit.
> this is the first time the hindus have acted concertedly in favor of their
> security, defying their govt, their media and their movie folks - yes, these
> ones who have presumed to have held sway over people - all at once. it is a
> great day for india.

Let there be demonstration throughout Bharat against the movie!
Also, I encourage folks who have seen it to post spoilers. Torrents
of the movie are available on the web, but doing so would be illegal.

Jai Maharaj, Jyotishi
Om Shanti

==============================================================================
TOPIC: My name is Khan - English subtitles
http://groups.google.com/group/rec.arts.movies.local.indian/t/70ebf6fe86fcc511?hl=en
==============================================================================

== 1 of 3 ==
Date: Sun, Feb 14 2010 3:41 pm
From: "harmony"

nonsense.
movie is flop, specially in mumbai.
over 95pct watchers are islamic people.

<habshi@anony.net> wrote in message
news:4b775a97.539997687@news.giganews.com...
> Already declared a big hit in India. Hindus should welcome movies
> like these which pretend they are promoting a peaceful image of Islam
> but in fact highlight its cruel dogmatic anti women , anti kaffir ,
> anti free thinking human policies
>
> boxofficeindia.com
> My Name Is Khan opened to huge response with an opening of 90-100% at
> multiplexes. Single screens were in the 70-80% region.

== 2 of 3 ==
Date: Sun, Feb 14 2010 3:53 pm
From: uNmaiviLambi

On Feb 13, 9:08 pm, hab...@anony.net wrote:
> Already declared a big hit in India. Hindus should welcome movies
> like these which pretend they are promoting a peaceful image of Islam
> but in fact highlight its cruel dogmatic anti women , anti kaffir ,
> anti free thinking human policies
>
> boxofficeindia.com
> My Name Is Khan opened to huge response with an opening of 90-100% at
> multiplexes. Single screens were in the 70-80% region.

Do you not think Hindus must boycott his movies?

== 3 of 3 ==
Date: Sun, Feb 14 2010 4:38 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

Dhanyavaad for pointing out that Habshi, who formerly posted as "Mo", spreads falsehoods.

Jai Maharaj, Jyotishi
Om Shanti

[soc.culture.pakistan removed from distribution.]

In article <4b788a3e$0$12458$bbae4d71@news.suddenlink.net>,
"harmony" <aka@hotmail.com> posted:
>
> nonsense.
> movie is flop, specially in mumbai.
> over 95pct watchers are islamic people.

> <habshi@anony.net> wrote in message
> news:4b775a97.539997687@news.giganews.com...
>
> > Already declared a big hit in India. Hindus should welcome movies
> > like these which pretend they are promoting a peaceful image of Islam
> > but in fact highlight its cruel dogmatic anti women , anti kaffir ,
> > anti free thinking human policies . . .

==============================================================================
TOPIC: Most books on Gandhi bought by NRIs, youth
http://groups.google.com/group/rec.arts.movies.local.indian/t/88b38dae9d28daca?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 14 2010 3:44 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

Thanks to Hindus living outside Bharat there is a revival of Hindu
sciences such as Jyotish, Vastu, Ayurved and Yog around the world
and within Bharat.

Jai Maharaj, Jyotishi
Om Shanti

In article <4b787ad5$0$12450$bbae4d71@news.suddenlink.net>,
"harmony" <aka@hotmail.com> posted:
>
> india - nri = big 0

> Most books on Gandhi bought by NRIs, youth
>
> New Delhi: Mahatma Gandhi's philosophy and values may not have found much
> resonance in modern India, but 62 years after his death the bookstore at his
> memorial in Rajghat records NRIs and youth as top buyers of books on the
> Father of the Nation.
>
> 'Most books on Gandhiji are bought by NRIs followed by youngsters and then
> foreigners,' says Swati Bhardwaj, who for the last 15 years is managing the
> bookstore outside Gandhiji's memorial, the place where he was cremated after
> his assassination Jan 30, 1948.
>
> 'A few years ago, there was a time when we felt that youngsters' interests
> towards Gandhiji was declining. But in the past one year, we have seen a
> shift and it seems now they are turning back. Their interest seems to be
> increasing now,' Bhardwaj told IANS.
>
> Asked if movies like 'Lage Raho Munnabhai', that highlighted the Gandhian
> form of protest, played a role in attracting youngsters, she said:
> 'Definitely, the movie that highlighted Gandhiji's views about non-violence
> has attracted youngsters. They feel that they should know more about him.'
>
> Asked about some of the popular books which she has been selling, Bhardwaj
> replied: 'Books by Gandhiji's grandsons are quite popular. Tushar Gandhi's
> 'Let us kill Gandhi' and 'Mohandas' by Rajmohan Gandhi are very popular.'
>
> 'In the past few months, Jaswant Singh's book on (Pakistan founder Muhammed
> Ali) Jinnah has also sold a lot of copies,' she added.
>
> 'Every month we sell around 2,000-3,000 books on Gandhiji life, thoughts,
> views, teachings, quotes, pictorials, autobiography and others,' Bhardwaj
> said.
>
>

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

== 1 of 1 ==
Date: Sun, Feb 14 2010 4:27 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

In article <c97b051f-2cff-4d32-972c-9407895bf25a@28g2000vbf.googlegroups.com>,
uNmaiviLambi <tripurantaka@yahoo.com> posted:

> Dr. Jai Maharaj posted:

> > In article <38bd075f-0bfb-4779-bc39-f9cb29f79...@h12g2000vbd.googlegroups=
>> ..com>,
> > =A0uNmaiviLambi <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).

I agree. You bring a valid point about whether society is ready to
face the truth about Muslim terrorism. Based on what I have
observed, yes people have had it with Muslim terrorism and are
anxious to find solutions.

> This is a very good site, thanks

The site was suggested here by "fanabba" <fanabba@aol.com>.
It is a very useful site.

Jai Maharaj, Jyotishi
Om Shanti

==============================================================================
TOPIC: zeus wants greece to be pagan again
http://groups.google.com/group/rec.arts.movies.local.indian/t/49c9c9ac75559843?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 14 2010 4:59 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

In article <4b7306d9$0$12431$bbae4d71@news.suddenlink.net>,
"harmony" <aka@hotmail.com> posted:

> Dr. Jai Maharaj posted:
>
> > In article
> > <d3a4ab4a-7aea-4c7c-8647-1a27e23b555e@r27g2000vbn.googlegroups.com>,
> > fanabba <fanabba@aol.com> posted:

> >> On Aug 24, 6:42=EF=BF=BDpm, "harmony" <a...@hotmail.com> wrote:
> >> > it is time to bring back the great old aristotalian-rooted culture back
> >> > to greece.
> >> >
> >> > http://news.bbc.co.uk/2/hi/europe/8219126.stm

> >> And Zoroastrianism back to Iran, Hinduism, Buddhism back to Pakistan,
> >> Afghanistan and Bangladesh.

> > Actually nearly all wisdom that the Greeks knew they learned from Hindus,
> > so bring Hinduism back to Greece.

> would the greeks quit socialism, and too much tobacco smoking, to qualify?
>
> http://news.bbc.co.uk/2/hi/europe/8509058.stm

Mybe the Greeks are waiting to see how badly Obama's socialism+Marxism fails
in the US to see if they should ditch it. Hindus can help Greece quit smoking
and socialism.

Jai Maharaj, Jyotishi
Om Shanti

==============================================================================
TOPIC: Subhash Kak on Aryan Invasion Theory
http://groups.google.com/group/rec.arts.movies.local.indian/t/f27dd896ec54470c?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 14 2010 5:11 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

In article <e6038d76-89cf-4f09-9567-b96152d248ca@q27g2000yqn.googlegroups.com>,
uNmaiviLambi <tripurantaka@yahoo.com> posted:
>
> http://www.cycleoftime.com/articles_view.php?codArtigo=33

Dhanyavaad for posting the URL.

Jai Maharaj, Jyotishi
Om Shanti

==============================================================================
TOPIC: Amar Chitr Katha DVDs and comic books
http://groups.google.com/group/rec.arts.movies.local.indian/t/03eafc55f65d9d2f?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 14 2010 5:36 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

Amar Chitr Katha DVDs and comic books:

http://www.amarchitrakatha.com

http://www.amarchitrakatha.com/international/index.php

Jai Maharaj, Jyotishi
Om Shanti

==============================================================================
TOPIC: 14TH CENTURY NARASINGH TEMPLE FOUND
http://groups.google.com/group/rec.arts.movies.local.indian/t/e9ffb03f50631552?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 14 2010 6:26 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

Speaking of ancient Hindu temples, you may be interested to read
this:

"On a tiny island of Micronesia lies one of archaeology great
mysteries -- the ruins of the ancient canal city of Nan Madol (500
CE), home of 1,000 royal and elite islanders. It is built of uncut
stones weighing up to 50 tons on artificial islets bearing
residences, meeting houses, a palace, tombs, temples, baths and
artificial ponds. Basalt columns laid end-to-end extend half a mile
into the lagoon. Twelve vertical columns found planted 2,100 feet
below the ocean's surface may be man-made. Nan Madol disappeared in
the 17th century. According to archaeologist Prof. Ayres (University
of Oregon) the intricacy of the design suggests external cultural
influence, probably from Asia. This may give weight to the theory
that Hinduism once flourished deep into the Pacific, as far as
Hawaii." - Hinduism Today, December, 1992.

I first posted the above in 1993; it brought protest from those who
still believe that Hawaii was "found" by Polynesians.

About 5,000 Bharatiya folks currently live in Hawaii, the 50th state of the US.

Jai Maharaj, Jyotishi
Om Shanti

In article <4b777b00$0$12427$bbae4d71@news.suddenlink.net>,
"harmony" <aka@hotmail.com> posted:
>
> nice, very nice.

> Dr. Jai Maharaj posted:
>
> > Forwarded message from S. Kalyanaraman
> >
> > Wednesday, February 10, 2010
> >
> > 14th century Narasimha temple found
> >
> > Special Correspondent
> > The Hindu
> > Feb. 8, 2010
> >
> > This is one of the many such temples (about 15 of them) in and around
> > the cantonment
> >
> > it has Jaya-Vijaya statues buried about 10 feet below ground
> >
> > Photo: T. vijaya kumar.
> >
> > http://www.hindu.com/2010/02/08/images/2010020853140501.jpg
> >
> > Heritage monument: Fourteenth century Narasimha Swamy temple found at
> > the foothill of Kondaveedu Fort in Guntur district on Sunday. --
> >
> > GUNTUR: A Vaishnavaite temple of Narasimhaswamy was found on Sunday
> > by Puttakota villagers in the valley close to Mahadwaram of
> > cantonment of erstwhile Reddi kings of Kondaveedu.
> >
> > While the main deity is missing, the architecture of the temple
> > suggests it was one of those from the early days of Reddi kings (1325
> > AD) establishing their capital at Kondaveedu and lived at the
> > foothill and built some Vaishnavaite and Shaivaite temples for their
> > religious purposes. This is one of the many such temples (about 15 of
> > them) in and around the cantonment built by the kings, who ruled from
> > this place and stayed there for more than 100 years.
> >
> > The village president K. Anka Rao who visited the spot along with
> > Kondaveedu Development Committee convener K. Siva Reddy said that
> > this temple was not visible all these days due to the thick growth of
> > trees. A roofed temple, like some on the hill-top, it has Jaya,
> > Vijaya statues buried about 10 feet below ground.
> >
> > Variety of rocks
> >
> > Statues of the Dwarapalaks found at the place have been kept securely
> > at that place and the Department of State Archeology Assistant
> > Director E. Sivanagi Reddy has been informed of the new found
> > treasure and they would take further action to protect it. Built with
> > red stone, it is believed to be red granite as written in the history
> > books on Kondaveedu, while these range of hills forming part of
> > Eastern Ghats, constitute Charnockites variety of rocks.
> >
> > Charnockite suite or series are a group of igneous rocks, variably
> > metamorphosed of wide distribution and great importance in India, Sri
> > Lanka, Madagascar and Africa. The name was given by Dr T. H. Holland
> > from the fact that the tombstone of Job Charnock, the founder of
> > Calcutta, is made of a block of this rock, said Professor of Geology
> > in Hindu College A. Subrahmanyam.
> >
> > A museum displaying the history and archeology of Reddi kings needs
> > to be set up on top of the hill said, Mr. Subhrahmanyam and to
> > attract academicians and researchers on geological aspects of the
> > rock formations and earth in this region, a geological museum
> > integrated into the proposed one would serve a good purpose, he
> > added.
> >
> > http://www.hindu.com/2010/02/08/stories/2010020853140500.htm
> >
> > End of forwarded message from S. Kalyanaraman
> >
> > 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: 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 6:48 pm
From: RichA

On Feb 14, 3:55 pm, use...@mantra.com and/or www.mantra.com/jai (Dr.
Jai Maharaj) wrote:
> In article <f61c9de4-3faa-416c-9952-e52cfbe5f...@z17g2000yqh.googlegroups.com>,
> Moorthy <morta...@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-inju...
>
> 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

Seems like the Hindu's are more militant about this than before, not
that I blame them.

==============================================================================
TOPIC: BISHOPS SUMMONED OVER SEX CRIMES BY CHRISTIAN CLERGY
http://groups.google.com/group/rec.arts.movies.local.indian/t/3fae9c5dbca9b8b3?hl=en
==============================================================================

== 1 of 2 ==
Date: Sun, Feb 14 2010 8:07 pm
From: usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)

Irish bishops summoned over abuse

Al Jazeera
Monday, February 15, 2010

Pope Benedict is to meet with Ireland's 24 bishops during a
two-day summit at the Vatican [AFP]

Rome - The Vatican has summoned all 24 of Ireland's Roman Catholic
bishops for talks with the pope following revelations of widespread
child abuse among the Irish priesthood.

The meetings with Pope Benedict XVI are due to take place on Monday
and Tuesday and are to include an accounting of the bishops' views,
actions or knowledge about decades of sexual abuse by members of the
clergy.

Greg Watts, a Catholic writer and author, said the purpose of the
meeting is to stress the seriousness of the issue.

"Calling all the bishops is quite unprecedented. It happened in 2002,
when Pope John Paul II summoned the US bishops to Rome, again over
the issue of sexual abuse," he told Al Jazeera.

"The pope will be reminding the bishops of their duty to ordinary
Catholics. One of the problems is that the Church has become very
much driven by power and cover-ups.

"The pope will be saying 'This can't happen again, you must remember
what your role is as a spiritual leader'."

Rekindling the faith

But Watts said the pope must also work to rekindle the faith of
ordinary Catholics.

"Many Catholics in Ireland are disillusioned. Somehow he's got to re-
inspire those Catholics to think that most priests haven't been
involved in sexual abuse, it's a small number."

The meetings come three months after the release of a damning report
into child sex abuse by priests, released by Judge Yvonne Murphy.

"A casualty of all this has been the truth. The fullness of the
truth must come out, everything must be laid on the table"

-Bishop Joseph Duffy,
Irish Bishops Conference spokesman

Issued on November 26, 2009 the Murphy Commission report found the
church had "obsessively" hidden child abuse from 1975 to 2004.

It said that of the 13 auxiliary [assistant] bishops in the
archdiocese who knew about complaints of child sexual abuse over that
period, four "dealt particularly badly with complaints".

The archdiocese had been more preoccupied with protecting the
church's reputation than safeguarding children, it said.

Among the 24 bishops expected at the summit is Martin Drennan of
Galway, who was named in the report's investigation.

But he has refused calls to step down, saying that he did nothing to
endanger children.

Graphic abuse reports

The report came six months after the release of an even more graphic
report about floggings, slave labour and gang rape in Ireland's now
defunct church-run industrial and reform schools in the 20th century.

That report documented decades of sexual, physical and psychological
abuse in Catholic-run schools and orphanages.

"A casualty of all this has been the truth," The Associated Press
news agency cited Clogher Bishop Joseph Duffy, a spokesman for the
Irish Bishops Conference, as saying on the eve of the summit in the
Vatican.

"The fullness of the truth must come out, everything must be laid on
the table."

But he said the church was "admittedly slower than in needs to be" in
dealing with a "culture of concealment."

The church's moral authority in Ireland has been eroded in recent
years following a string of clerical sex abuse scandals, many of them
involving priests molesting young boys.

Similar charges of covering up cases of abuse have dogged the
Catholic church in other countries, especially the United States.

Seven dioceses there have filed for bankruptcy protection to shield
themselves from lawsuits by abuse victims.

More at:
http://english.aljazeera.net/news/europe/2010/02/201021420236176854.html

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.

== 2 of 2 ==
Date: Sun, Feb 14 2010 8:36 pm
From: "harmony"

habshi of course won't learn anything, he has a closed mind.
instead of thanking you educating him, of which he is clearly incapable of,
he gets mad at you - like a blinkered monotheist.

<usenet@mantra.com and/or www.mantra.com/jai (Dr. Jai Maharaj)> wrote in
message news:20100214AaVB9bpIYta62739xFSqct6@G9x2O...
> Irish bishops summoned over abuse
>
> Al Jazeera
> Monday, February 15, 2010
>
> Pope Benedict is to meet with Ireland's 24 bishops during a
> two-day summit at the Vatican [AFP]
>
> Rome - The Vatican has summoned all 24 of Ireland's Roman Catholic
> bishops for talks with the pope following revelations of widespread
> child abuse among the Irish priesthood.
>
> The meetings with Pope Benedict XVI are due to take place on Monday
> and Tuesday and are to include an accounting of the bishops' views,
> actions or knowledge about decades of sexual abuse by members of the
> clergy.
>
> Greg Watts, a Catholic writer and author, said the purpose of the
> meeting is to stress the seriousness of the issue.
>
> "Calling all the bishops is quite unprecedented. It happened in 2002,
> when Pope John Paul II summoned the US bishops to Rome, again over
> the issue of sexual abuse," he told Al Jazeera.
>
> "The pope will be reminding the bishops of their duty to ordinary
> Catholics. One of the problems is that the Church has become very
> much driven by power and cover-ups.
>
> "The pope will be saying 'This can't happen again, you must remember
> what your role is as a spiritual leader'."
>
> Rekindling the faith
>
> But Watts said the pope must also work to rekindle the faith of
> ordinary Catholics.
>
> "Many Catholics in Ireland are disillusioned. Somehow he's got to re-
> inspire those Catholics to think that most priests haven't been
> involved in sexual abuse, it's a small number."
>
> The meetings come three months after the release of a damning report
> into child sex abuse by priests, released by Judge Yvonne Murphy.
>
> "A casualty of all this has been the truth. The fullness of the
> truth must come out, everything must be laid on the table"
>
> -Bishop Joseph Duffy,
> Irish Bishops Conference spokesman
>
> Issued on November 26, 2009 the Murphy Commission report found the
> church had "obsessively" hidden child abuse from 1975 to 2004.
>
> It said that of the 13 auxiliary [assistant] bishops in the
> archdiocese who knew about complaints of child sexual abuse over that
> period, four "dealt particularly badly with complaints".
>
> The archdiocese had been more preoccupied with protecting the
> church's reputation than safeguarding children, it said.
>
> Among the 24 bishops expected at the summit is Martin Drennan of
> Galway, who was named in the report's investigation.
>
> But he has refused calls to step down, saying that he did nothing to
> endanger children.
>
> Graphic abuse reports
>
> The report came six months after the release of an even more graphic
> report about floggings, slave labour and gang rape in Ireland's now
> defunct church-run industrial and reform schools in the 20th century.
>
> That report documented decades of sexual, physical and psychological
> abuse in Catholic-run schools and orphanages.
>
> "A casualty of all this has been the truth," The Associated Press
> news agency cited Clogher Bishop Joseph Duffy, a spokesman for the
> Irish Bishops Conference, as saying on the eve of the summit in the
> Vatican.
>
> "The fullness of the truth must come out, everything must be laid on
> the table."
>
> But he said the church was "admittedly slower than in needs to be" in
> dealing with a "culture of concealment."
>
> The church's moral authority in Ireland has been eroded in recent
> years following a string of clerical sex abuse scandals, many of them
> involving priests molesting young boys.
>
> Similar charges of covering up cases of abuse have dogged the
> Catholic church in other countries, especially the United States.
>
> Seven dioceses there have filed for bankruptcy protection to shield
> themselves from lawsuits by abuse victims.
>
> More at:
> http://english.aljazeera.net/news/europe/2010/02/201021420236176854.html
>
> 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: 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 11:22 pm
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.

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bollywood-holywood

Sunday, February 14, 2010

rec.arts.movies.local.indian - 25 new messages in 14 topics - digest

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