Sipher Says Stuffs

Apr 22

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mattbors:

Portland is being Portland again.

But according to homeopaths, WATER REMEMBERS SO THAT 1 IN 1791456349650324672860243678906459 PARTS IS AS POTENT AS DRINKING TEN GALLONS OF CYANIDE

mattbors:

Portland is being Portland again.

But according to homeopaths, WATER REMEMBERS SO THAT 1 IN 1791456349650324672860243678906459 PARTS IS AS POTENT AS DRINKING TEN GALLONS OF CYANIDE

(via itswalky)

Latest News: "Art of the Venture Bros" Art Book Officially Announced by Dark Horse -

mantiseye:

It was laready mentioned by Jackson and Doc last Comic-Con, but Dark Horse has formally announced The Art of the Venture Bros., a huge art book chock full of Venture history.

This massive coffee table book includes original artwork, character designs, storyboards, painted backgrounds, and props from every episode of The Venture Bros. to date, with accompanying commentary on the development of the series from cocreators Jackson Publick and Doc Hammer!

Check out the earliest sketches of all your favorite Venture Bros. characters and the genesis of the ideas that became some of the show’s funniest episodes.

To top it off, comedian Patton Oswalt pens a very special foreword!

The book will be on sale starting October 22nd this year, and you can already pre-order it on Amazon for under $30 (the price seems to be fluctuating, it’s $27.25 right now).

(via potatofarmgirl)

The New York Times reports on a new study from the Consumer Financial Protection Bureau that really drives home how sleazy the banking industry has gotten, and how much they’ve come to view customers are the enemy:

The problem, described in a report released Tuesday by the Consumer Financial Protection Bureau, arises from a little-noticed provision in private loan contracts: If the co-signer dies or files for bankruptcy, the loan holder can demand complete repayment, even if the borrower’s record is spotless. If the loan is not repaid, it is declared to be in default, doing damage to a borrower’s credit record that can take years to repair. The bureau said that after a co-signer’s death or bankruptcy, some borrowers are placed in default without ever receiving a demand for repayment. The agency did not accuse loan companies of doing anything illegal.

As the CFPB notes, demanding immediate repayment in full the second a parent co-signer passes away seems, by all measures, to be bad for business. After all, the borrower probably doesn’t have all the money right on hand, so instead of just continuing as-is and getting regular payments, the bank is now putting the loan into collections for no discernible reason. That this seems stupid as fuck doesn’t seem to be deterring banks from indulging this practice:

Rohit Chopra, the bureau’s student loan ombudsman, said that he did not know how common the practice was, but that a steady stream of consumer complaints indicated it was becoming more frequent. He also said companies appeared to be doing it more or less automatically, combing public records of deaths and bankruptcies, comparing them to loan records and generating repayment demands and default notices.

Right now, the CFPB has no idea why banks are doing this, but one theory is that there’s some accounting shenanigans involving, you guessed it, the securities trade. As with mortgages before, student loans are being bundled up and sold on the securities market, and “good” loans that are being steadily repaid are bundled in with high-risk loans.

” —

Do You Have Student Loans? Banks May Exploit Your Parent’s Death To Push You Into Default. | The Raw Story (via sarkos)

The agency did not accuse loan companies of doing anything illegal. 

This is the problem with our financial system. It is so thoroughly debase and corrupt that, short of exiling everyone involved to an island just to be safe, the only solution isn’t to make these shenannigans illegal. 

The only real answer I can see is to define, clearly and free of ambiguity, what banks are allowed to do. Anything outside of those guidelines would have to be treated as a crime. Every “innovation” these bastards come up with has been a means to screw over everyone else to their own benefit.

The financial sector is run by sociopaths. Never forget this.

(via calcinator)

(via calcinator)

10 Poverty Myths, Busted | Mother Jones -

gailsimone:

america-wakiewakie:

1. Single moms are the problem. Only 9 percent of low-income, urban moms have been single throughout their child’s first five years. Thirty-five percent were married to, or in a relationship with, the child’s father for that entire time.

2. Absent dads are the problem. Sixty percent of low-income dads see at least one of their children daily. Another 16 percent see their children weekly.

3. Black dads are the problem. Among men who don’t live with their children, black fathers are more likely than white or Hispanic dads to have a daily presence in their kids’ lives.

4. Poor people are lazy. In 2004, there was at least one adult with a job in 60 percent of families on food stamps that had both kids and a nondisabled, working-age adult.

5. If you’re not officially poor, you’re doing okay. The federal poverty line for a family of two parents and two children in 2012 was $23,283. Basic needs cost at least twice that in 615 of America’s cities and regions.

6. Go to college, get out of poverty. In 2012, about 1.1 million people who made less than $25,000 a year, worked full time, and were heads of household had a bachelor’s degree.

7. We’re winning the war on poverty. The number of households with children living on less than $2 a day per person has grown 160 percent since 1996, to 1.65 million families in 2011.

8. The days of old ladies eating cat food are over. The share of elderly single women living in extreme poverty jumped 31 percent from 2011 to 2012.

9. The homeless are drunk street people. One in 45 kids in the United States experiences homelessness each year. In New York City alone, 22,000 children are homeless.

10. Handouts are bankrupting us. In 2012, total welfare funding was 0.47 percent of the federal budget.

Reblog a thousand times.

I have been poor. I have lived in serious poverty. 

I worked as hard then as I do now, and I work very hard indeed, as did almost everyone else I knew who was poor, regardless of background, ethnicity, or marriage status. 

We all know these things the wealthy and entitled say are lies…why do we allow that to continue to be the narrative?

(via crosscjr)

suppermariobroth:

Japanese cover of the Super Mario Bros. movie.

suppermariobroth:

Japanese cover of the Super Mario Bros. movie.

(via crosscjr)

[video]

Apr 21

deep-dark-fears:

A fear submitted by Pes to deep dark fears.

All.
The.
Time.

deep-dark-fears:

A fear submitted by Pes to deep dark fears.

All.

The.

Time.

(via fuckandyes)