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Finding directions and time using the Sun and a divider. , posted on May 6, 2015 . This is my recommended method of finding North using only the Sun, the approximate date in the year and your bare hands !

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Survival topics available in other languages. 

by tonytran2015 (Melbourne, Australia).

#find North, #finding North, #French, #German, #Spanish, #language
Survival topics available in other languages.

Some of the survival topics here have been translated into other languages by other websites. The translations have been done by EXTERNAL sites. This site is NOT ASSOCIATED with those sites in anyway. Readers should excercise CAUTION when going to external sites as this website ACCEPTS ABSOLUTELY NO RESPONSIBILITY for their use of ANY EXTERNAL WEBSITES.

The links to external sites are given but readers have to make their own judgements and enter those sites AT THEIR OWN RISKS.

Francais/ French

1a. tonytran2015 (Melbourne, Australie), Trouver vers le Nord et l’heure de toute étoile brillante, http://www.tubefr.com/trouver-vers-le-nord-et-l-heure-de-toute-etoile-brillante.html,

1b. tonytran2015.Trouver la direction et le temps du Nord par une étoile brillante., http://www.nillesfm.com/trouver-la-direction-et-le-temps-du-nord-par-une-etoile-brillante/

2. tonytran2015 (Melbourne, Australie)., Trouver Vers Le Nord Et L’heure Du Soleil À L’aide Des Mains Nues, par tonytran2015 (Melbourne, Australie)Même si sa montre s’arrête de fonctionner à un certain moment malheureux, une personne bien préparée pouvez toujours utiliser la méthode du bâton ombre pour travailler à la fois vers le Nord et le temps…, http://www.tubefr.com/  ..(the word Mains Nues offended censorship in French on the internet !)

3a. tonytran2015 (Melbourne, Australie). Trouver la direction nord et l’heure de la lune, http://www.tubefr.com/trouver-la-direction-nord-et-l-heure-de-la-lune.html

3b. tonytran2015 (Melbourne, Australie). Trouver la direction du Nord et le temps de la Lune, http://www.nillesfm.com/trouver-la-direction-du-nord-et-le-temps-de-la-lune/

4. tonytran2015 (Melbourne, Australie). Trouver La Direction Du Nord Et Du Temps En Utilisant Les Fonctionnalités De Surface P3-Lune Lune, http://www.tubefr.com/trouver-la-direction-du-nord-et-du-temps-en-utilisant-les-fonctionnalites-de-surface-p3-lune-lune.html,

5. tonytran2015 (Melbourne, Australie). Trouver la direction nord et l’heure de la lune, p2: à l’aide de la ligne de corne, http://www.tubefr.com/trouver-la-direction-nord-et-l-heure-de-la-lune-p2-a-l-aide-de-la-ligne-de-corne.html

6. tonytran2015 (Melbourne, Australie). Trouver la direction nord et temps par stars, http://www.tubefr.com/trouver-la-direction-nord-et-temps-par-stars.html

7. tonytran2015 (Melbourne, Australie). Trouver Le Nord Et Temps Par Étoiles Sous Les Tropiques, http://www.tubefr.com/trouver-le-nord-et-temps-par-etoiles-sous-les-tropiques.html

8. tonytran2015 (Melbourne, Australie). Trouver Le Nord Avec Une Montre Plus Exactement, http://www.tubefr.com/trouver-le-nord-avec-une-montre-plus-exactement.html

9. tonytran2015 (Melbourne, Australie). Trouver le nord avec une montre plus exactement p2, http://www.tubefr.com/trouver-le-nord-avec-une-montre-plus-exactement-p2.html

10. tonytran2015 (Melbourne, Australie). Mise en garde en concluant au nord par la ligne bi-secteur, 

11. tonytran2015 (Melbourne, Australie). Trouver Nord et temps avec ciel peu clair, http://www.tubefr.com/trouver-nord-et-temps-avec-ciel-peu-clair.html

12. tonytran2015 (Melbourne, Australie). Determination de la declinaison magnetique locale par un compas magnetique, http://www.tubefr.com/determination-de-la-declinaison-magnetique-locale-par-un-compas-magnetique.html

13. tonytran2015 (Melbourne, Australie). trouver le temps de lever du soleil avec la carte des etoiles, http://www.tubefr.com/trouver-le-temps-de-lever-du-soleil-avec-la-carte-des-etoiles.html

14a. tonytran2015 (Melbourne, Australie). Sélectionnant et en utilisant le compas magnétiques, http://www.tubefr.com/selectionnant-et-en-utilisant-le-compas-magnetiques.html

14b. tonytran2015 (Melbourne, Australie). Sélection et utilisation de compas magnétiques, http://www.nillesfm.com/selection-et-utilisation-de-compas-magnetiques/

15. tonytran2015 (Melbourne, Australie). Méfiez-vous des chiquenaudes périlleuses par compas magnétiques, http://www.tubefr.com/mefiez-vous-des-chiquenaudes-perilleuses-par-compas-magnetiques.html

16. tonytran2015 (Melbourne, Australie). Trouver le temps de lever du soleil avec la carte des étoiles, http://www.tubefr.com/trouver-le-temps-de-lever-du-soleil-avec-la-carte-des-etoiles.html

17. tonytran2015 (Melbourne, Australie). Trouver Le Temps De Coucher Du Soleil À Mains Nues

par tonytran2015 (Melbourne, Australie)Il y a des moments quand vous n’avez pas de montre ou lorsqu’il n’est pas pratique à porter une montre (par exemple quand aller vous baigner dans la mer) et vous avez besoin de connaître l’heure du lever ou…..(the word Mains Nues offended censorship in French on the internet !)

18. Miroir pour faire feu à l’aide de la lumière du soleil., http://www.tubefr.com/miroir-pour-faire-feu-a-l-aide-de-la-lumiere-du-soleil.html

Deutsch/ German

1. Nördliche Richtung und Zeit von der Sonne mit bloßen Händen zu finden, http://www.gunook.com/nordliche-richtung-und-zeit-von-der-sonne-mit-blosen-handen-zu-finden/,

2. Finding North Richtung und Zeit von einem hellen Stern, http://www.gunook.com/finding-north-richtung-und-zeit-von-einem-hellen-stern/,

3. Finding North Richtung und Zeit vom Mond, http://www.gunook.com/finding-north-richtung-und-zeit-vom-mond/

4. Finding North Richtung und Zeit aus dem Mond, p2: mit Hornlinie, http://www.gunook.com/finding-north-richtung-und-zeit-aus-dem-mond-p2-mit-hornlinie/

5. Finding North Richtung und Zeit mit dem Mond p3- Moon Oberfläche Features, http://www.gunook.com/finding-north-richtung-und-zeit-mit-dem-mond-p3-moon-oberflache-features/

6. Suche nach Norden Richtung und Zeit von Sternen, http://www.gunook.com/suche-nach-norden-richtung-und-zeit-von-sternen/

6B. Nord und Zeit mit unklaren Himmel zu finden, http://www.gunook.com/nord-und-zeit-mit-unklaren-himmel-zu-finden/

7. Findet Nord und Zeit durch Sterne in den Tropen, http://www.gunook.com/findet-nord-und-zeit-durch-sterne-in-den-tropen/

8. Shadow Stick Navigation und Grafik von Solar Pfade, http://www.gunook.com/shadow-stick-navigation-und-grafik-von-solar-pfade/,

9. Auswahl und Verwendung von magnetischen Kompassen, http://www.gunook.com/auswahl-und-verwendung-von-magnetischen-kompassen/

10. Zeit zum Sonnenuntergang mit bloßen Händen finden, http://www.gunook.com/zeit-zum-sonnenuntergang-mit-blosen-handen-finden/

11. Suche nach Zeit zum Sonnenaufgang mit Sternenkarten, http://www.gunook.com/suche-nach-zeit-zum-sonnenaufgang-mit-sternenkarten/,

12. Finding North mit einer Uhr genauer, http://www.gunook.com/finding-north-mit-einer-uhr-genauer/

13. Finding North mit einer Uhr genauer p2, http://www.gunook.com/finding-north-mit-einer-uhr-genauer-p2/

14. 

Espanol/ Spanish

1. Búsqueda de dirección norte y tiempo del sol con las manos desnudas, http://www.askix.com/busqueda-de-direccion-norte-y-tiempo-del-sol-con-las-manos-desnudas.html

2. Encontrar la dirección del norte y el tiempo por cualquier estrella brillante.http://www.askix.com/encontrar-la-direccion-del-norte-y-el-tiempo-por-cualquier-estrella-brillante.html

3. Búsqueda De Dirección Norte Y Tiempo Por Las Estrellas, http://www.askix.com/busqueda-de-direccion-norte-y-tiempo-por-las-estrellas.html,  

4. Encontrar La Dirección Del Norte Y El Tiempo De La Luna,  http://www.askix.com/encontrar-la-direccion-del-norte-y-el-tiempo-de-la-luna.html

5. Encontrar la dirección del norte y el tiempo de la luna, p2: línea de cuerno, http://www.askix.com/encontrar-la-direccion-del-norte-y-el-tiempo-de-la-luna-p2-linea-de-cuerno.html

6. Encontrar la dirección del norte y tiempo utilizando las características superficiales del p3-Luna Luna, http://www.askix.com/encontrar-la-direccion-del-norte-y-tiempo-utilizando-las-caracteristicas-superficiales-del-p3-luna-luna.html,

7. Encontrar dirección, distancia y navegar a una base distante estrellas.http://www.askix.com/encontrar-direccion-distancia-y-navegar-a-una-base-distante-estrellas. html

8. Encontrar dirección, distancia y navegar a una base distante de estrellas, p.2: fina lectura de latitud. http://www.askix.com/encontrar-direccion-distancia-y-navegar-a-una-base-distante-de-estrellas-p-2-fina-lectura-de-latitud.html

9. Encontrar tiempo para la puesta de sol con las manos desnudas, http://www.askix.com/encontrar-tiempo-para-la-puesta-de-sol-con-las-manos-desnudas.html

10. Encontrar tiempo para amanecer con mapas de la estrella, http://www.askix.com/encontrar-tiempo-para-amanecer-con-mapas-de-la-estrella.html

11. Encontrar estrellas en el Trópico Norte y tiempo, http://www.askix.com/encontrar-estrellas-en-el-tropico-norte-y-tiempo.html

12. Encontrar al norte con un reloj más preciso, http://www.askix.com/encontrar-al-norte-con-un-reloj-mas-preciso.html

13. Búsqueda del norte con un reloj con mayor precisión p2, http://www.askix.com/busqueda-del-norte-con-un-reloj-con-mayor-precision-p2.html

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The Parasites of Western Economy, Part 3: Creators of debts from non-debt issues.

by tonytran2015 (Melbourne, Australia)

#parasite, #service providers, #debt collectors, #privacy on accounts, #trigger happy

The Parasites of Western Economy, Part 3: Creators of debts from non-debt issues.


Because of the requirements in life we do have to deal with many service providers: Municipal governments, managements of multiple dwelling buildings, power, water providers, telephone, internet connection providers . . . 

Some sevice providers would really want to turn you into a debtor and this blog will reveal their tricks.

1. The service providers hide your accounts from you.

If you have been to Vietnam, you would have seen how easily people can find out how much they owe from each provider. You can literally ask how much you owe electricity and water providers when you provide them with the address of the house and your name. There is nothing to be ashame of if you use too much or too little of the services. Monthly electricity and water money collectors would loudly read out at your gate how much are your bills to be paid.


On the other hand, in Australia you have to register to each of the service providers and supply many passwords just to find out how much you have to pay. But usually they don’t tell you unless you let them deduct whatever they like from your account (Bpay conditions in Australia!) Then you have to wait for a letter telling you officially how much you owe them. 

This is under the EXCUSES of protecting your privacy while the governments do little to stop spying software spreading on the Internet!

You have to draw your own conclusion!

2. Service providers change the identification numbers of your current accounts to disrupt your programed payments. 

Service providers often change the identification numbers of your current accounts to disrupt your programed payments to them. 

Their hidden motive is to turn you into a debtor and make it hard for you to retrieve the payments wrongly paid into the obsolete (old, dis-used) accounts. Once you owe them debts (for not paying into the newly set up accounts) they will send debt collectors to you and charge you outrageous “collection expenses”

3. They charge excessive penalty if you cannot pay all your dues on time.

The bill arriving by post to your letter box usually allow you only 14 days to pay all amount owing including any surprise increases. You have to build up a fund in anticipation of the bill but they would not help you predict the amount owing even if you enquire!


The purpose is to create big debts out of small owings. 


The penalty is ways over (more than ten times) bank interest they would receive from the amount owing.


4. They are quick to call in debt collectors and charge you for the outrageous collector fees.

You have to draw your own conclusion!

I think that they would get a kick back from those debt collectors..

5. The collectors want to tow away your car but refuse to tell any intervener how much to pay and to whom to avoid it.

They want to charge you outrageous keeping fees on your car. 

They use the EXCUSES of privacy to stop any intervener to pay them on your behalf. This has actually happened to me while I was away but my neighbour has insisted to pay them on my behalf and they had to give up on trying to tow my car away under the excuse of “debt recovery”!

You have to draw your own conclusion on their real intention!

6. Service providers have become unfair and inhumane.

If you have been paying $100 in front for ten payment periods and now you are only $50 behind for one payment period they still call in a debt collectors to deal with you.

They should not do that considering the amount of bank interests they gained and lost on you payments.

You have to draw your own conclusion.

7. Service providers are abusing service users.

Citizens have to ask their legislative members to set limits on debt collector fees and to stop service providers from not informing customers of their account details and of being trigger happy with using debt collectors on those small debts resulting from their hiding of customer accounts.

To fight back such abuse, you should retain only a manageable small number of essential services and close down or use only prepaid accounts on all non-essential services like telephones, cable TVs…(even when prepaid services are more expensive than comparable post paid services).

8.  Conclusion.

So it can be summed up in 9 steps:

1. You are NEITHER in debts NOR in financial distress and CAN still comfortably pay your dues as they turn up.

2. They make it hard for you to follow your accounts.

3. They disrupt your programed periodic payments of your bills.

4. Due to disruptions some bills have not been paid. 

5. While bills have not been paid there is cash surplus and you thought that the surplus is due to your good management and fortunate smooth business running.

6. You mistakenly enjoyed spending that cash surplus.

7. You are in short of money when the bills come. Now you CANNOT pay all due bills.

8. They quickly call in debt collectors and charge you the outrageous “collection expenses”.

9. You have become ENSLAVED by debts to them. You have lost the game!


I suspect that the finance sections of service providers may have some interests in those “debt collectors” companies.

Just follow the money trails, and you will clearly see everything. 

Available evidence suggests that the scheme is operated by a certain group of people who operate in both the debt collection business and the finance sections of service providers.


References:

[1]. The Parasites of Western Economy, Part 1: Motorvehicle Insurance Scams., posted April 17, 2017.

[2]. 


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Finding North in the polar zones using Equatorial Stars and the Sun.

by tonytran2015 (Melbourne, Australia).

#find North, #finding North, #polar zone, #arctic zone, #Equatorial stars, #Sun.

Finding North in polar regions using Equatorial Stars and the Sun.

The general principles in Finding North still apply for each familiar method. However Finding North direction in polar regions has its own problems and it is not as simple as for temperate zones due to difficulties caused by steep magnetic lines not pointing to rotational poles, by the closeness of the upper Celestial pole to the zenith, by long extended day time, by aurora light, by aurora interference with radio wave receivers in GPS units.

When those familiar methods encounter problems the method of Finding North by Tropical stars and the Sun can still work and maintain its precision.

1. The two polar zones

The two polar zones  cover any area with absolute value of latitude higher than 66°33′. That is all their points are less than 23°27′ from one of the two poles. The Northern polar (arctic) zone covers parts of Greenland, Iceland, Sweden, Norway, Finland, Russia, U.S. Alaska, Canada with many of their cities. The Southern polar (antarctic) zone covers parts of Antarctica continent (with Argentinian stations, UK Rother station, etc …).
The ratio of the lengths of Day versus Night varies with a yearly cycle on any point of the Earth. In Arctic zone, it reaches 0-100 for some period centered on Winter solstice (on 21 December ) when the Solar path is totally below the horizon. The ratio then varies from 1-99 to 99-1. It then reaches 100-0 for some other period centered on Summer solstice (on 21 June ) when the Solar path is totally above the horizon. The ratio then varies from 99-1 to 1-99 and reaches 0-100 again.
It is similar for Antarctic zone except for the 6 months time difference between the two polar zones.

2. Finding North by GPS.

Find North by a GPS

Figure: A GPS screen.

The easiest way to find North in a polar region is to use the GPS apps on smart phones or on purpose made GPS units.

GPS compass directions are calculated from the change in terrestrial coordinates when you move. The minimum movement distance is only about 5m. 

GPS compass directions are true directions and are different from and independent of magnetic compass directions.

However, GPS units may run out of battery, be non-operational during war times, be under heavy interference from polar aurora storms. A non-GPS back up method is still necessary.

3. Finding North by a magnetic compass.

Find North by a compass

Figure: A magnetic compass.

3a. The magnetic poles are not exactly at the North and South poles of the Earth. They are currently in Canada and near to New Zealand respectively. Users of magnetic compasses should know how to compensate for this.

3b. Magnetic lines are also nearly vertically inclined in polar regions making normal compasses sticky with their needles and they may have to be replaced by cruder magnetic rods hung on wire threaded through holes near to their mid-points.

3c. Aurora in the sky can also tell the position of the magnetic pole to its surrounding areas.

4. Finding North using Polaris.

Find North using Polar skymaps

Figure: The Northern and Southern Polar skymaps are represented by two circular discs here.

A real dipper versus Big and Little Dipper constellations

Figure: Photo of a real dipper. Inset: The Big Dipper and Little Dipper constellations.

4a. Polaris in the Little Dipper is right on the North Celestial pole. The North Celestial pole is in the Northern direction of all vertical plumb lines. If the star can be obscured by any plumb line then you eye is exactly on the South of the line. Near to the pole, Polaris is close to the upper extension of any vertical plumb line and it is hard to obscure it by some vertical plumb line.

4b. The altitude of Polaris is most easily read with a Bubble Sextant (Aircraft Sextant) or with a Theodelite (for higher accuracy). The direction with smallest value of altitude of Polaris is Northern direction.
The method is easily applicable at night time but Polaris cannot be seen during day time and during aurora storms.

5. Basis of finding North by Tropical stars.

Find North with Orion Equatorial stars

Figure: Panoramic view of the Celestial Equator and the Tropical band from the Arctic zone in December. Stars travel from Front Left to Front Right. The directions and Solar times corresponding to the scale on the bottom of the picture are N(0hr)-E(06hr)-S(12hr)-W(18hr)-N(24hr).



5a. Any point on the Earth sees exactly half of the Celestial Equator above its horizon. The angle between the plane of this half circle and the horizontal one is equal to (90°- latitude).
The Celestial Equator is inclined to the ground and is below the horizon in the North direction in the Northern hemisphere.

5b. Equatorial stars such as the Central Belt Star of the Orion travel along this circle once every day. They rise and set exactly in the exact East and exact West directions respectively.

Find North with Scorpius Equatorial stars

Figure: Panoramic view of the Celestial Equator and the Tropical band from the Antarctic zone in June. Stars travel from Front Right to Front Left. The directions and Solar times corresponding to the scale on the bottom of the picture are S(24hr)-W(18hr)-N(12hr)-E(06hr)-S(0hr).



5c. Any tropical star (any star which is no further than 23°27′ from the Celestial Equator) travels along one large (but not great) circle in the sky every day. The circle is “parallel” to the Celestial Equator.

5d. The elevation/altitude of the star varies daily with an amplitude equal to (90-latitude) about its daily mean (which is nearly equal to its Declination multiplied by sine of latitude).

5e. The North Souih line is the bisector of two directions pointing to any two positions having equal elevations of the same star. The common elevation can be conveniently chosen to be the mean of its 24hr values.

6. Solar trajectory on the Celestial Sphere

The Sun travels along one large (but not great) circle in the sky every day. The circle is “parallel” to the Celestial Equator. The circular Solar path drifts to its most Northern position at 23°27′ latitude on 21 June solstice then drifts to its most Southern position at 23°27′ latitude on 21 December.

At equinox times, the Sun is exactly on the Celestial Equator and rises and sets exactly like an equatorial star.

Locating the hidden Sun by polarized lightFigure: Locating the hidden Sun by polarized light from bright patches of the sky.

Knowing the trajectory of the Sun, you can locate it using polarizing sunglasses even when it is hidden and under the horizon (see ref. [5]).

7. Measuring solar altitude with a stretched hand on an extended arm.

A hand with stretched out fingers hold on its extended arm sustains an angle of about 12 degrees and is a very convenient mean for measuring Solar elevation (altitude) angle in polar regions.

8. Variation of Solar altitude/elevation during the day.

Solar elevation/altitude varies daily with an amplitude equal to (90-latitude) about its daily mean (which is nearly equal to Solar Declination of the day multiplied by sine of local latitude).

You can tell where is the Sun on its daily cycle by measuring its altitude with a stretched hand on an extended arm.

As the Sun travels on a known wavy line its altitude gives both its compass direction and the corresponding time of the day.

The directions and times corresponding to the scale on the bottom of the first panoramic picture (for Arctic regions) are N(0hr)-E(06hr)-S(12hr)-W(18hr)-N(24hr).

For Antarctic regions the directions and times corresponding to the scale on the bottom of the second panoramic picture are S(24hr)-W(18hr)-N(12hr)-E(06hr)-S(0hr).

9. Time estimation from Solar altitude

Solar altitude may give a better time estimation near to Sunrise and Sunset.

The time is 6hr or 18hr when the altitude of the Sun crosses its mean value.

10. Distinguishing AM from PM

When using the Sun for navigation, it is important to know whether the Sun is ascending (AM) or descending (PM).

10a.A 24hr sub-dial on a clock face is certainly useful in telling AM and PM.

10b. Ambient air temperature after receiving daylight radiation is also usually higher in PM time than in AM time.

10c. There are different sets of stars in the sky for AM and PM in the night.

10d. Birds activities are different in AM and PM.

10e. Your biological clock (circadian rhythm) may help distinguishing AM and PM.

11. Finding North with a watch in a polar region

Finding North with a watch

Figures: Finding North with a watch for antartic and arctic zones. 

Finding North with a watch needs a modification: If you can travel to the nearest pole in 2hr, you have to remember that the 6-12 line on the watch points along the meridian line of your home city, not toward the Pole of the Earth. Indeed, you can travel around the pole but that 6-12 line keeps its direction along the meridian of your home city.

The watch face can be simply laid horizontally as in the original “Scout method” without generating any noticeable directional error.

Figure: A map of the arctic from National Oceanic and Atmospheric Administration (https://www.pmel.noaa.gov/rediscover/resources). All meridional lines converge at the pole.

12. Finding North with a divider in a polar region

solar declination from a watch face

Figure: Estimating Solar declination by drawing a watch face with a subdial.

Finding North by a divider

Figure: Finding North by a divider.

The divider method is still applicable for finding direction and time but requires accuracy in Solar declination and latitude angle for setting the divider.

A small plumb line hanging from the stem of the divider can improve the accuracy for its latitude angle setting.

With the above additional plumb line, the divider can measure the altitude of the Sun to give a good estimate of time.

13. Finding North with an AM Broadcast radio receiver in a polar region

AM radio usable for Finding North direction

Figure: An AM Broadcasting radio receiver wirh an internal ferrite rod antenna.

The method of using an AM radio receiver tuned to nearby broadcasting stations to find the directions to them ([8]) is useful near to cities in polar regions. It is not effected by low visibility from bad weather.

References.

[1].  tonytran2015, Using GPS in off-grid situations., https://survivaltricks.wordpress.com/2016/12/06/using-gps-in-off-grid-situations/, posted December 6, 2016

[2]. tonytran2015, Selecting and using magnetic compasses, survivaltricks.wordpress.com, https://survivaltricks.wordpress.com/2016/07/09/selecting-and-using-magnetic-compasses/, posted 09/7/2016.

[3]. tonytran2015, Finding North direction and time by stars, survivaltricks.wordpress.com, https://survivaltricks.wordpress.com/2015/08/28/finding-north-and-time-by-stars/ , posted on August 28, 2015.

[4]. tonytran2015, Finding North and time by stars in the tropics, survivaltricks.wordpress.com, https://survivaltricks.wordpress.com/2016/05/25/finding-north-and-time-by-stars-in-the-tropics/, posted on May 25, 2016

[5]. tonytran2015, Using polarized light to locate the Sun when it is hidden from view, https://survivaltricks.wordpress.com/2015/05/09/using-polarized-light-to-locate-the-sun-hidden-behind-clouds/, posted on May 9, 2015

[6]. tonytran2015, Finding accurate directions using a watch, survivaltricks.wordpress.com, https://survivaltricks.wordpress.com/2015/05/19/finding-accurate-directions-using-a-watch/, posted May 19, 2015

[7]. tonytran2015, Finding directions and time using the Sun and a divider, survivaltricks.wordpress.com, https://survivaltricks.wordpress.com/2015/05/06/finding-directions-and-time-using-the-sun-and-a-dividing-compass/, posted on May 6, 2015.

[8]. Navigating with an AM MW radio receiver.

[9]. https://www.pmel.noaa.gov/rediscover/resources.

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Do not click on any unknown link external to your trusted sites

by tonytran2015 (Melbourne, Australia).
#cyber attack, #net security, #computer security, #malware, #worm,

Do not click on any unknown link external to your trusted sites

That is the obvious conclusion after reading the blog by johnip:

“In Hong Kong, Gazeley said his team had found a new version of the worm that didn’t use e-mail to lure victims.
Instead, it loaded scripts onto hacked websites where users who clicked on a malicious link would be infected directly. He said it was too early to tell how many websites had been affected.”
See the original blog: some-businesses-in-asia-disrupted-by-cyber-attack-on-monday-authorities-brace-for-more

Explore new unknown sites only when you know how to deal with worms and hijacking of your computer.

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The Parasites of Western Economy, Part 2: Shifty Lenders.

by tonytran2015 (Melbourne, Australia)

#shifty lender, #parasite, #shark lender, #captive borrower, #inexperienced borrower, #private equity, 

The Parasites of Western Economy, Part 2: Shifty Lenders


Because of the requirements in life we do have take loans during some phases of our lives: A worker has to buy a car to go working far from home and later he has to buy his house using long term loans. We certainly have to borrow to buy houses if we neither use gold to store our saving  nor want to lose much of the saving in hand to the vicious inflation ([2]).

1. The shark lenders in car finance preying on new borrowers.

The lendings by banks to the starting up car buyers have to be appreciated. 


However, there are often more numerous greedy “shark lenders”, who are usually located next door to the car show rooms, and are associated with the car dealers to prey on the hot headed emotion of unseasoned young buyers to mislead them into disadvantageous loan contracts. Those contracts places very high interests on the young buyers and rob them of their savings or may even bankrupt them (see also [3,4]). 

2. The manipulators of captive borrowers on long term loans.

They are the  loan makers who initiated loans only to have their conditions changed during the life of the loans. Even housing loans may become financial traps to unwary borrowers.


There are many types of traps (see also [5,6].:


2a. Shifty lenders have a condition that any borrower who wants an earlier end to the loan has to pay an outrageous exit fee (about nearly one year of interest) which is many times the actual cost to the lenders for organizing the early termination of that loan. This stops their borrowers from switching to obviously cheaper loans.

Fortunately for Australians, exit fees have been banned in Australia for contract signed after 01 July 2011. I am not aware of any similar laws protecting Americans.


2b. Shifty lenders may impose a condition that lender can recall the loan at any time before the expiration of the loan contract. This is an outrageous condition and is used by shark lenders to send unwary borrowers into higher interest loans.


2d. In a typical loan contract offered by a shark lender, the initial interest rate is very low, but if there is any single late payment (which may even be caused by the failure of the computer of the lender!), the low interest rate will forever disappear and a high interest rate replaces it for the remaining life of the loan.


2e. If there is any second late payment, the shark lender will take possession of the mortgaged house and sell it at a low price to their associates.


2f. Shifty lenders may also impose conditions in the loan contract that the initial lender may resell the loan to a new lender who can set new loan conditions.

This trap can lead to unreasonable high interest rates to unwary borrowers.

3. The lenders who discloses only the advantages but not the disavantages of the loans.

The lender may offer his client low interest loans from Switzland [7] but failed to say that the declining exchange rate of US dollars versus Swiss franc may require more than the low interest to repay the loan (see [8]).

Many business owners have lost their businesses due to those lenders.

4. The lenders who want exclusive rights to all banking of the borrowers.

The lenders who want exclusive banking rights are really ready to take over the business of the borrowing companies. The lenders are usually owned by some private equities. Any such lender actually wants to take over some target company without paying the price of a normal take over! Such a lender will do it by causing financial distress in a target company and to trigger its default. A typical example is reported by BBC (ref. [9]):

Judge Martin Beddoe said Scourfield “sold his soul” to Mills in exchange for “sex”, “bling” and “for swag”.….

Scourfield, 54, a former HBOS manager, told customers to use a turnaround firm called Quayside Corporate Services… Mills, 60, who ran Quayside…, bribed Scourfield … “…What Scourfield gave Mills in addition to fees was the opportunity to take control of the various businesses and, in some cases, to acquire ownership of them,” prosecutor Brian O’Neill QC told the court. “

Any such targeted or collapsed company will be acquired for cheap price and restructured by some private equity associated with the lender and on sold to new buyers at huge profit as a healthy restructured company (see [10,11]).


The shifty lender provides all finance and  banking services at very low costs to the  “healthy restructured”  company. But as soon as the sale has been completed. those services will be withdrawn, leaving the company to seek the services at much higher costs from other provider companies in the market.


The  “healthy restructured”  company is bound to collapse. The following comment ([12]) from the original founder of a company illustrates the problem:

“It was bought by a type of merchant bank who paid a hundred million [dollars] for it and 18 months later floated it for $500 million,” Dick Smith said.

“Now you don’t have to be very bright to know that’s absolute greed, it’s impossible and unfortunately that’s caused this terrible problem at the moment.”


Even multimillion dollars pension funds have been tricked into buying those “healthy restructured” companies loaded with heavy debts.


5. Outright loan scam makers.

Carried out by faked lenders. They asked people to pay huge application fees for a cheap loans but they only took the fees and disappeared (see [13]).

6. Conclusions

All lenders are not the same and all loans are not the same. Borrowers need to be financial competent as the traps become more and more elaborate. Even multimillion dollars have been trapped.


References:

[1]. The Parasites of Western Economy, Part 1: Motorvehicle Insurance Scams., posted April 17, 2017.

[2]. gold-for-storing-wealth, posted April 28, 2017.

http://www.bankrate.com/financing/cars/warning-on-unfair-car-loans/

[3]. warning-on-unfair-car-loans, date

[4]. www.moneysmart.gov.au: car-loans, date

[5]. www.moneysmart.gov.au: home-loans fees, date

[6]. prepaymentpenalty, access date 05MAY2017

[7]. countries with the lowest interest rates for loans mortgageshttp://www.womensarticle.com/20-countries-with-the-lowest-interest-rates-for-loans-mortgages/?utm_source=taboolainterestwo&utm_medium=referral&utm_term=allnewspipeline

[8]. Luigi Zingales, Guy Rolnik, Amit Seru, Putting the Client Last: former-investment-banker-explains-clients-sucker-punched, posted

[9]. Ex-HBOS banker ‘sold his soul for swag’, bbc new, http://www.bbc.com/news/business-38842723, 2 February 2017.

[10]. the-private-equity-giants-the-greek-target-and-a-trojan-horseOctober 28, 2015

[11]. report-says-big-buyouts-are-likelier-to-default, date 05Nov2009

[12]. dick smith blames-private-equity-owners-greed-for-collapse, http://mobile.abc.net.au/news/2016-01-06/dick-smith-blames-private-equity-owners-greed-for-collapse/7069604

[13]. www.moneysmart.gov.au: loan-scams, date


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Gold for storing wealth.

by tonytran2015 (Melbourne, Australia)

#gold. #gold price, #gold investment, #gold sale B.O.E.,  #tribal memory,

Gold for storing wealth.

Human productivity varies wildly and each person needs some method to store the surplus from his periods of high productivity for use during periods of low productivity. Gold can be used for storing that surplus or wealth over long periods.

Gold is also a highly sought after commodity with stable price, and its owner can be sure that his surplus/wealth will not disappear overnight.

However gold is not a good investment as any interest earned by lending gold bars is really small (no more than 1%). Only jewellers borrow gold bars. They want to avoid resupplying their stock at New Years and wedding seasons.

1. Gold is in constant demand.

1a. Jewellery industry and hand-craft jewellers needs it. This is due to its lustre, malleability and corrosion resistance properties.

1b. Micro electronic industry needs it to make electrically high conductance terminals and connections.

1c. Micro engineering industry needs it to prevent rust and corrosion of their mechanical components.

1d. Electronic, optical, aviation and building industries need it to make transparent metallic films.

1e. Dentistry also needs it for dental works.

1f. Surgical medicine needs it for non-allergic implants.

2. Gold is a suitable bartering medium.

2a. Gold is in constant demand.

2b. If unsold, its owner can gradually turn it into home made jewelleries and sell to his neighbours.

2c. The cost of extracting gold from the ground is remarkably unchanged over thousands of years. Advances in technology is exactly offset by scarcity. Now people have to go 3km deep below the ground to mine gold in South Africa and in Canada ([4]). Soon they may go 4km deep below ground surface to mine gold.

2d. It is corrosion resistant and does not degrade with time.

2e. Any small, light amount of gold still has a high value.

2f. Any common amount of gold can be easily subdivided.

2g. The gold content of any unprocessed gold can be economically essayed and extracted using only HNO3, HCl and Cu. The extraction process is based on a simple metal displacement reaction of Au ions in aqua regia and is a common excercise for gold jewelers.
So gold satisfies all the requirements for being a bartering medium.

3. Gold price is not over-inflated.

The long term average of gold price reflects its utility value.
The price is not over-inflated due to massive amount in storage by various Government Central Banks in the World. They would grab any opportunity to sell their overpriced stocks. The Bank of England (wrongly?) set its selling price at US$268/troy oz in its massive unloading of 200tons of gold in the period of  1999-2002.

If gold price was held up by the vicious cycle of greed-herd mentality, the cycle would have been broken up by the prolonged heavy attack by the sale from Bank of England.

Despite such tremendous attack on its price by Bank of England, gold price did not collapse like the price of tulips or real estates when their bubbles bursted.

Right after the end of its massive sale, gold price rose up to  US$600/troy oz, then to the current price of  US$1000+/troy oz. The sustainable price is explained by the difficulty in extracting gold from the ground [4](see also [7]; I had invested in gold miners during the low price period of 1990-2000 and had experienced at first hand the details claimed by its author).

So, contrary to claims (propaganda?) by some authors, the average price of gold is neither pushed up by any remnant of prehistoric tribal memory nor pushed up by greed, fear and herd mentality  (A lie told once remains a lie but a lie told a thousand times becomes the truth [6].).

4. Using and buying gold.

Vietnamese Gold Slab

Figure: Vietnamese gold slabs for trading. This standardized slab has 37.5g of 99.99% pure gold and has been issued in individual, clear, sealed plastic bubble. Its SJC trade mark is vigorously defended by the Vietnamese government. The last 4 digits of the serial number DB 1XXXX on this slab have been blurred to protect the privacy of the owner of the slab.
4a. When gold possession is legal, people can use any suitable amount they like. They still have to stick to unprocessed gold from reputable producers.
The Vietnamese government owns the Vietnamese company SJC which issues and trade gold slabs with weghts of 0.05, 0.1, 0.2, 0.5, 1 Vietnamese ounces. The trade mark SJC is vigourously defended by Vietnamese government. The photos of one such Vietnamese 1 once (37.5g) slab are shown here in this section.

4b. When possession of unprocessed gold is prohibited, people still can use gold rings made by reputable jewellers in weights of 0.1, 0.2, 0.3 troy ounces as their medium of exchange.

5.Storing wealth using gold.

Example: You want to buy a $80000 house and each year you can only save up $20000.

If you save your fiat money, then after 4 years you will have $80000. If yearly inflation is 6% the price of that house will be then

$8000×(1+6%)×(1+6%)×(1+6%)×(1+6%) = $100998 .

So you are $20998 short of your target!

If you bought gold for the first 3 and 1/2 years then after 4 years you will have in hand

$79186(gold to sell)+$10000(cash) = $89186 .

In this case you are only $9186 short of your target!

So gold is much better than cash (fiat money) for storing wealth. You are still short of target since the actual value of your new cash saving reduces every year.

6. Conclusions.

Gold is much better than cash even in any medium term (abour 3 years duration) financial plan.

You can also see why many governments want to outlaw the possession of unprocessed gold: Their fiat currencies are inferior to gold.

Please note that this author is neither associated with gold industry nor having any interest/betting on gold price movement.

Disclosure of interests:

The author has no interest in any gold price betting, has neither relation with SJC of Vietnam, nor with any organization working on gold.

                  References:

[1]. ,

[2]. Cashless bartering for survival, posted on February 20, 2017,

[3]. tonytran2015, , https://survivaltricks.wordpress.com/2016/12/05/preparing-for-%e2%80%8bcashless-trading, posted on December 5, 2016

[4]. top ten deepest mines world South Africa,  http://www.mining-technology.com/features/feature-top-ten-deepest-mines-world-south-africa/

[5]. Sale of UK gold reserves, 1999–2002, wikipedia, https://en.m.wikipedia.org/wiki/Sale_of_UK_gold_reserves,_1999%E2%80%932002

[6]. Joseph Goebbels quotes, azquotes.com, http://www.azquotes.com/author/5626-Joseph_Goebbels.

[7]. https://peoplestrusttoronto.wordpress.com/2017/05/12/the-traitors-abetting-the-deep-states-dirty-dying-war-on-gold/, accessed and added to the list on 13May2017.

 Augmented after 2017 June 11:

[8]. https://us-issues.com/2017/06/11/how-gold-can-rescue-pensions/

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NAVIGATION (Celestial).

The Sun, the Moon and identifiable stars are used to work out North direction and time in this section.

divider43.jpg

Finding accurate directions by a watch .. Posted on May 12, 2015.. This is my novel technique. WatchCompass_22NL, Finding accurate directions using a watch, posted on May 19, 2015 . This is my novel technique to replace the horizontal watch method. DirectionBySun_12N, Caution in finding North by bisector line of a horizontal watch. Posted on October 28, 2015: The commonly known “Scout method” using a horizontal watch may give directional errors of up to 180 degrees in some circumstances. wpid-bisectorns2c.jpg, Finding directions and time using the Sun and a divider., posted on May 6, 2015. <<<—This is my MOST USEFUL novel technique. wpid-dividermwp3e2c2.jpgwpid-divider42cl2b.jpgwpid155-wpid-divider63cl.jpg. Using polarized light to locate the Sun when it is hidden from view. Posted on May 9, 2015. This is a useful technique. CloudyL, Finding North direction and time using the hidden Sun via the Moon . Posted on July 6, 2015This is a useful technique. moonshapesnangles4c.jpg, Finding North direction and time accurately from the horn line of the Moon. Posted on August 12, 2015. This is my novel technique. wpid-wp-1439376905855.jpeg, Finding North direction and time using the Moon surface features. Posted on July 1, 2015. This is a useful technique. wpid-wp-1435755781395.jpeg, Finding North and time by stars. Posted on August 28, 2015 PolrNorthNC20const8polrsouthq3c60.jpg

Finding North and time with unclear sky. Posted on October 17, 2015. This includes my novel method for finding North and with unclear sky. wpid-bstarsn20b.jpg wpid-bstarss20.jpg, posted on October 21, 2016 antare4smallc30.jpgfomalhautsmallc30.jpgariessmallc30.jpg, . Posted on May 25, 2016 mercator8gc30.jpg, , posted November 3, 2016 slide-sky-disk, Slide Sky-Map for displaying tropical stars, posted on October 7, 2016 photo, , posted July 22, 2016 NorthByKnownStar, Finding time to Sunset with bare hands. Posted on November 11, 2015 .This is my novel improvement for improved accuracy. wpid-sunset2.jpg. Finding time to Sunrise with star maps, Posted on January 9, 2016 . This is a novel application for star-maps. sunrise, Finding direction, distance and navigating to a distant base by stars (Part 1). Posted on January 27, 2016 . This is a novel application for direction of stars in the sky. PolrNorthNC20const8polrsouthq3c60.jpg, Finding direction, distance and navigating to a distant base by stars, fine reading of latitude (Part 2).. Posted on February 6, 2016. This is a novel way of accurately arriving at any chosen destination latitude using no instrument. BStarsN20Vega8C2.jpg

NAVIGATION using only constellations.

The Orion constellation., posted December 26, 2016 orionsamsungn2photo-640alignedc30b.jpg, The Scorpius constellation, posted on January 8, 2017 scorpiussaggigridaltc30.jpg20160418_013006enhenc2c30.jpg

NAVIGATION (Terrestrial).

Measuring angles and distances for outdoor survival, posted on June 29, 2016 DistPole

NAVIGATION (Instrumental).

Determining local magnetic declination by a magnetic compass, posted on March 31, 2016 Compass-Magnetic, , posted on June 14, 2016 compassflipMEDIUM

Selecting and using magnetic compasses, posted on July 9, 2016 JapLensatic, Using GPS in off-grid situations., posted December 6, 2016 , Navigating with an AM MW radio receiver, posted January 17, 2017 radiosony

FIRE MAKING.

Making fire and lighting cigarettes with sunlight. Posted on February 27, 2016 StormWatchDiagram, Quick fire making using sunlight, posted on January 4, 2017 20161222_131508gballfirec60.jpg, Mirror for making fire using sunlight., posted on April 13, 2016 20160105_143215C

FOOD

Rice as emergency food., posted December 24, 2016 20161230_192839ricegrains2c60.jpg

MISCELLANEOUS

Old maps:

Interesting maps of old Saigon , posted on March 20, 2016 . SaigonThanhQuy

Detecting Counterfeit Currency

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A guide to some hard to obtain know hows

Simple determination of East Asia lunisolar New Year

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Mung Beans as grains for self-reliance.

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Looking after your money.

MONEY

DETECTING COUNTERFEIT CURRENCY

Detecting Counterfeit Currency, US dollars, posted on July 15, 2016

Hologram

Detecting counterfeit currency, Australian dollars., posted on November 15, 2016

fineprint50dollar


,

fiatmoneyc60.jpg

Negative interest rate is not new, posted December 4, 2016

polymeraust100dollars

Cashless and negative interest go hand in hand, posted December 10, 2016

crystalballc70.jpg

fiatmoneyc60.jpg

, posted on 17 April 2017 ,

, posted on 07 May 2017 ,

, posted on 10 Jun 2017 ,

EARNING OF BANKS

, Posted on December 15, 2016

polymeraust100dollars

, posted on November 30, 2016

polymeraust100dollars

Collapse of online banking is not a remote risk., posted on November 20, 2016

polymeraust100dollars

Gold for storing wealth, posted on 28 April 2017

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SURVIVAL WITHOUT CASH

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This is the full sized divider43.jpgSURVIVAL TOPICS sub-page to be followed by links to polymeraust100dollarsMONEY and 20160105_145215C HOW TO TOPICS sub-pages.

NAVIGATION (Celestial).

The Sun, the Moon and identifiable stars are used to work out North direction and time in this section.

divider43.jpg

Finding accurate directions by a watch .. Posted on May 12, 2015.. This is my novel technique.

WatchCompass_22NL

Finding accurate directions using a watch, posted on May 19, 2015 . This is my novel technique to replace the horizontal watch method.

DirectionBySun_12N

Caution in finding North by bisector line of a horizontal watch. Posted on October 28, 2015: The commonly known “Scout method” using a horizontal watch may give directional errors of up to 180 degrees in some circumstances.

wpid-bisectorns2c.jpg

Finding directions and time using the Sun and a divider., posted on May 6, 2015. <<<—This is my MOST USEFUL novel technique.

wpid-dividermwp3e2c2.jpgwpid-divider42cl2b.jpgwpid155-wpid-divider63cl.jpg

CloudyL

Finding North direction and time using the hidden Sun via the Moon . Posted on July 6, 2015This is a useful technique.

moonshapesnangles4c.jpg

Finding North direction and time accurately from the horn line of the Moon. Posted on August 12, 2015. This is my novel technique.

wpid-wp-1439376905855.jpeg

Finding North direction and time using the Moon surface features. Posted on July 1, 2015. This is a useful technique.

wpid-wp-1435755781395.jpeg

Finding North and time by stars. Posted on August 28, 2015
PolrNorthNC20const8polrsouthq3c60.jpg

Finding North and time with unclear sky. Posted on October 17, 2015. This includes my novel method for finding North and with unclear sky.

wpid-bstarsn20b.jpg wpid-bstarss20.jpg

posted on October 21, 2016

. Posted on May 25, 2016

mercator8gc30.jpg

Arctic Polar zone view of Equatorial Stars

, posted November 3, 2016

Slide Sky-Map for displaying tropical stars, posted on October 7, 2016photo

, posted July 22, 2016

NorthByKnownStar

Finding time to Sunset with bare hands. Posted on November 11, 2015 .This is my novel improvement for improved accuracy.

wpid-sunset2.jpg

Finding time to Sunrise with star maps, Posted on January 9, 2016 . This is a novel application for star-maps.

sunrise

Finding direction, distance and navigating to a distant base by stars (Part 1). Posted on January 27, 2016 . This is a novel application for direction of stars in the sky.

PolrNorthNC20const8polrsouthq3c60.jpg

Finding direction, distance and navigating to a distant base by stars, fine reading of latitude (Part 2).. Posted on February 6, 2016. This is a novel way of accurately arriving at any chosen destination latitude using no instrument.

BStarsN20Vega8C2.jpg

NAVIGATION using only constellations.

The Orion constellation., posted December 26, 2016

orionsamsungn2photo-640alignedc30b.jpg

The Scorpius constellation, posted on January 8, 2017

scorpiussaggigridaltc30.jpg20160418_013006enhenc2c30.jpg

NAVIGATION (Terrestrial).

Measuring angles and distances for outdoor survival, posted on June 29, 2016

DistPole

NAVIGATION (Instrumental).

Determining local magnetic declination by a magnetic compass, posted on March 31, 2016

Compass-Magnetic

, posted on June 14, 2016

compassflipMEDIUM

Selecting and using magnetic compasses, posted on July 9, 2016

JapLensatic

Navigating with an AM MW radio receiver, posted January 17, 2017

radiosony

FIRE MAKING.

Making fire and lighting cigarettes with sunlight. Posted on February 27, 2016

StormWatchDiagram

Quick fire making using sunlight, posted on January 4, 2017

20161222_131508gballfirec60.jpg

Mirror for making fire using sunlight., posted on April 13, 2016

20160105_143215C

FOOD

Rice as emergency food., posted December 24, 2016

20161230_192839ricegrains2c60.jpg

MISCELLANEOUS

Old maps:

Interesting maps of old Saigon , posted on March 20, 2016 .

SaigonThanhQuy

Detecting Counterfeit Currency

Detecting Counterfeit Currency, US dollars, posted on July 15, 2016

Hologram

, posted on November 15, 2016

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