Girl Scout Uniforms To Be Made In China?

From the Digital Journal –

Jackie Evans Inc. a small textile company in New Jersey has been in business for 10 years making uniforms for the Girl Scouts.
Passaic, New Jersey—Jackie Evans, Inc. employs 90 people in a town with a population of about 67,000 people and an average household income of $29,904.
The Girl Scouts of America told the company a few weeks ago they will be seeking bids from four companies. Two are from overseas, one of them is China.
If Jackie Evans, Inc. loses the bid it could be forced to shut down and the 90 employees will be out of a job. Their only client is Girl Scouts who they make uniforms and sashes for.

The phrase, “Is nothing sacred?” leaps to mind.

Do the Girl Scouts believe in patriotism? Well you can get an award for it.

American Patriotism Interest Project Award
For Girl Scouts 11-17

American Patriotism Interest Project Award. © GSUSA. All rights reserved.America is a unique place to live and work. It offers many freedoms, and each one comes with responsibilities. Girl Scouts 11-17 can find out what those freedoms and responsibilities are by doing this Interest Project.

Complete two activities in the Skill Builders section, one activity in each of the other three sections, and two other activities in any section you choose.

I looked through the activities. The Girl Scouts offer a multitude of alternatives but I’m sure there will be a new one next year. It will go like this – Visit the Girl Scout Uniform factory in old Shanghai. Oops, I’m sorry, that the Chinese Patriotism Award.

Maybe the American Patriotism Award can be gained for visiting the empty building where the American factory that used to make Girl Scout uniforms was or perhaps they could put together a food basket for one of the laid off workers. That’s patriotic, isn’t it?

James Pilant

Home Ownership At 66.9 Percent

That’s the lowest level of home ownership in the United States since 1999.

After the housing bubble burst, the rate has been declining gradually.

About 18.8 million homes, or 14.4 percent of all houses and apartments, were vacant, according to the government survey. Without vacation homes, that rate would be 11 percent.

The number of vacant homes has soared over the past four years from about 16 million at the start of 2006. It has been hovering around 19 million since the end of 2008. There are around 131 million housing units nationwide, according to the Census Bureau.

About 2.5 percent of all primary residences were vacant and for sale and 10.3 percent of all year-round rental units were listed as vacant and for rent.

Isn’t this just sad. Americans believe in the dream of home ownership, and it’s a mirage for many millions. And if that isn’t enough irony, almost 19 million homes are sitting empty.

We can do better than this.

James Pilant

The Business Ethics of Benjamin Franklin – Truth, Sincerity, And Integrity

From the Project Gutenberg free book, The Autobiography of Benjamin Franklin –

Before I enter upon my public appearance in business, it may be well to let you know the then state of my mind with regard to my principles and morals, that you may see how far those influenc’d the future events of my life. My parents had early given me religious impressions, and brought me through my childhood piously in the Dissenting way. But I was scarce fifteen, when, after doubting by turns of several points, as I found them disputed in the different books I read, I began to doubt of Revelation itself. Some books against Deism fell into my hands; they were said to be the substance of sermons preached at Boyle’s Lectures. It happened that they wrought an effect on me quite contrary to what was intended by them; for the arguments of the Deists, which were quoted to be refuted, appeared to me much stronger than the refutations; in short, I soon became a thorough Deist. My arguments perverted some others, particularly Collins and Ralph; but, each of them having afterwards wrong’d me greatly without the least compunction, and recollecting Keith’s conduct towards me (who was another free-thinker), and my own towards Vernon and Miss Read, which at times gave me great trouble, I began to suspect that this doctrine, tho’ it might be true, was not very useful. My London pamphlet, which had for its motto these lines of Dryden:

“Whatever is, is right. Though purblind man
Sees but a part o’ the chain, the nearest link:
His eyes not carrying to the equal beam,
That poises all above;”

and from the attributes of God, his infinite wisdom, goodness and power, concluded that nothing could possibly be wrong in the world, and that vice and virtue were empty distinctions, no such things existing, appear’d now not so clever a performance as I once thought it; and I doubted whether some error had not insinuated itself unperceiv’d into my argument, so as to infect all that follow’d, as is common in metaphysical reasonings.

I grew convinc’d that truth, sincerity and integrity in dealings between man and man were of the utmost importance to the felicity of life; and I form’d written resolutions, which still remain in my journal book, to practice them ever while I lived. Revelation had indeed no weight with me, as such; but I entertain’d an opinion that, though certain actions might not be bad because they were forbidden by it, or good because it commanded them, yet probably these actions might be forbidden because they were bad for us, or commanded because they were beneficial to us, in their own natures, all the circumstances of things considered. And this persuasion, with the kind hand of Providence, or some guardian angel, or accidental favourable circumstances and situations, or all together, preserved me, thro’ this dangerous time of youth, and the hazardous situations I was sometimes in among strangers, remote from the eye and advice of my father, without any willful gross immorality or injustice, that might have been expected from my want of religion. I say willful, because the instances I have mentioned had something of necessity in them, from my youth, inexperience, and the knavery of others. I had therefore a tolerable character to begin the world with; I valued it properly, and determin’d to preserve it.

I find it difficult to understand why more people particularly in the world of business don’t read Franklin’s Autobiography. It’s a relatively brief book. I can read it easily in a couple of day in my spare time. It’s an easy read. It’s very straightforward writing, a writing style in which you are approached as if you were an old friend.

It is a multitude of good books all in itself. It’s an English book for in it he explains how to develop a writing style and improve it. It’s a book of business advice, explaining how to make a good start, how to maintain a business and how to retire from it. It’s a self help book, laying out a plan of perfections set up daily for the course of a year. It’s a book of politics, where one can learn how to move with assurance through the hallways of power. It’s a community development manual in which the first civic booster in the United States explains how it’s done. It’s a book of science, explaining how to think and how to get results. And it’s possible to keep on going explaining over and over again how it applies to different areas of learning.

In the book we see the beginnings of those attitudes, those thought processes, now considered to be quintessentially American.

It’s worthy of any person’s time.

James Pilant

Foreclosure, Day 19;News of Possible Freeze? (via Angelinem’s Blog)

Way back in February, the President was talking about a foreclosure freeze in the hardest hit states.

When did this kind of talk disappear? What happened to the President?

Apparently foreclosure freezes was not a taboo subject just a few months ago.

My thanks to Angelinems’ Blog!

James Pilant

Foreclosure news to the forefront today. President Obama is talking about some kind of freeze on foreclosures in the states hardest hit, California being one. This should be interesting…buy us some time. I found another interesting link in the Orange County, CA news today:  http://mortgage.freedomblogging.com/2010/02/17/foreclosures-seen-for-many-years-to-come/26543/ For whatever reason IndyMac did not call us again today. Two days in a row now … Read More

via Angelinem’s Blog

I Sent The Following To The Arkansas Attorney General’s Office.

Subject -Ohio Attorney Generaly Press Release
Details:

Cordray: Refiling Affidavits is an Insult to the Justice System

I don’t usually print press releases, but I REALLY like this one!

From the Ohio Attorney General Web Site –

COLUMBUS, Ohio) — In response to Wells Fargo’s statement acknowledging that it “made mistakes” and that affidavits in 55,000 foreclosures filed by the bank did not “adhere” to the law, Ohio Attorney General Richard Cordray offers the following statement:

“The big mortgage servicers and financial firms continue to demonstrate their belief that they do not need to play by the same rules as everyone else who uses our court system. The suggestion by Wells Fargo and its colleagues at several other national firms that they can cure fraudulent testimony by simply refiling new affidavits and continuing to proceed toward foreclosures shows they do not recognize the seriousness of the problem they have created. There is no simple ‘do-over’ for false testimony that will be likely to avoid sanctions and penalties imposed by the courts. Their brazen efforts to minimize their financial exposure by sweeping these problems under the rug are an insult to the justice system in this country. These disclosures by Wells Fargo will now become the focus for a new prong of our on-going investigation.”

Earlier this month, Cordray filed a lawsuit against GMAC for issuing false affidavits in many Ohio foreclosure cases. He has taken a hard-line approach with national loan servicers operating in Ohio in the wake of the foreclosure crisis. In July 2009, Ohio was the first state to file a lawsuit against a loan servicer for violating the state’s consumer laws. Since then, two other cases have been filed in addition to the case against GMAC.

Okay, guys, there it is. I’ve been talking about it for weeks. This is fraud. It’s not mishandled paperwork. It’s not routine. It’s not something that “wouldn’t have changed the outcome in the vast majority of cases.” It’s illegal. It’s lying to the court. It’s telling Judges what you know to be untrue on oath.

The Ohio Attorney General has the guts to get out there and say it. The President won’t. The Wall Street Journal won’t. The Treasury department won’t.

But I have almost from the beginning.

It’s time for a foreclosure freeze, a moratorium until the industry gets its house in order. It’s time for action not just in Ohio but all over the fifty AND the federal government.

The American people have a right to believe that there is one type of law for all people be they in the banking industry or other citizens.

Let us go forward as a nation not just Ohio and punish these criminal acts.

James Pilant

Bayer and The Bees (via Your Daily Dose: The Ethics Behind Pharmaceutical Marketing )

This is a fine business ethics essay from my friends at “Your Daily Dose” in this case, Christine. (If you are reading this, Christine, I will be happy to use your whole name, should you desire it.)

The writing is clever. The information is interesting. The business ethical question dead on point.

Doesn’t get any better than that!

James Pilant

Bayer and The Bees So when I was in high school, my physical science teacher explained to a classroom of generally disinterested students the phenomenon of Colony Collapse Disorder: or the dying off of our world's honeybees. The idea is simple: without honeybees, there is decreased pollination. Without pollination, there are fewer plans….Continue up the steps of the food chain until you get to us. No more humans! The catastrophe is caused the worldwide decline in … Read More

via

Robo Signing Began With Debt Buyers

From the St. Louis Dispatch –

When Michael Gazzarato took a job that required him to sign hundreds of affidavits in a single day, he had one demand for his employer: a much better pen.

“They tried to get me to do it with a Bic, and I wasn’t going – I wasn’t having it,” he said. “It was bad when I had to use the plastic Papermate-type pen. It was a nightmare.”

The complaint could have come from any of the autograph marathoners in the recent mortgage foreclosure mess. But Gazzarato was speaking at a deposition in a 2007 lawsuit against Asset Acceptance, a company that buys consumer debts and then tries to collect.

His job was to sign affidavits, swearing that he had personally reviewed and verified the records of debtors – a time-consuming task when done correctly.

Sound familiar?

That’s right. This brilliant idea was thought up by debt collection agencies, the ones that buy up debts for pennies on the dollar and then sell them back and forth trying to make a buck.

Now, all we have to do is figure out what incredible genius thought you could use the same practice with mortgages.

Mortgages are a different ball park. In the United States property cannot change hands without a written contract. Further, land is surrounded by laws and guarantees dating back centuries. Robo signing on unsecured debts like credit cards is probably pretty stupid but robo signing on mortgages is just asking for hard core exciting trouble and they are getting it.

Hold on to your hats, this scandal just keeps getting better by the day!

James Pilant

It’s Scholarship Scam Time!

From the Kansas City Star –

Generally, be wary of scholarship pitches that involve application fees, scholarship matching services that guarantee success and sales pitches that are disguised as financial aid seminars, said Mark Kantrowitz, publisher of FinAid ( http://www.finaid.org).

Kantrowitz said he’s been seeing more loan scams that involve advance fee payments. The lure is an unusually low-interest educational loan, with the requirement that you pay a fee to receive the funding.

Of course, after you pay, the loan never materializes. Legitimate loans, on the other hand, deduct the fees from the disbursement checks.

Here are three variations of tuition scams to watch for, according to FinAid:

•Scholarships for profit: This type of fake program draws thousands of applications for scholarships and charges fees of $5 to $35 for processing. The promoters actually pay out a scholarship or two and take a hefty profit on the rest of the money. Your odds of winning the lottery are better.

•Eye on the prize: In this case, you’re notified that you’ve won a scholarship worth thousands of dollars, but you’re required to pay a disbursement fee or the taxes before the prize is released.

•The match game: Be wary of scholarship matching services that guarantee you’ll win money or they’ll return your funds.

I thought I would pass it along. Are the scammers increasing in number or is it just in reach? Are there not so many, but with computers and modern communications they can run many more scams simulaneously?

I don’t know. Maybe some of both.

Whenever you are in trouble and, right then, right there, on television or on the computer or on a roadside sign, the miraculous answer appears, it probably isn’t the answer. I am very sorry to have to tell you that.

It’s not as if the world wasn’t cruel enough.

James Pilant

The Legacy Of An Inspirational Teacher Is Felt Throughout The Ages.

Sarah Dunant writes about two teachers that inspired her.

This is her concluding paragraphs. I recommend you read the whole thing. I believe in the importance of teaching and I am a lecturer and story teller. It would be a great compliment to me should one of my students find me inspirational. Well, read.

From the BBC –

Of course, every generation tends to view the past through rose-coloured lenses as they grow older. The importance of teachers in children’s lives is vital whatever moment in history you pick. Both of my daughters have had inspirational teachers, women and men who have cared for them emotionally as well as academically and have taught them as much about life as about learning. Indeed, one could argue that 50 years after feminism, both boys and girls have an even greater need of inspired teaching. Boys to handle the pressure that girls’ success has brought to their own educational journeys, and girls to combat an increasingly vicious culture which equates celebrity with opportunity, and sexual availability with independence. To get the other side of the story, kids need to hear about life from adults they can trust. And for their teenage years at least, the views of their parents often don’t cut the mustard.

The debate about education will, course, never end. How to ensure equality of opportunity? How far testing consolidates knowledge or just destroys curiosity? How to design a curriculum that leaves room for spontaneity and creativity for both pupils and teachers? And how to get away from the tyranny of those damn league tables?

I couldn’t figure out what a league table was,  so I looked it up. From wikipedia –

A league table is a chart or list which compares sports teams, institutions, nations or companies by ranking them in order of ability or achievement. In the United Kingdom, many public-sector industries, including hospitals, compete in league tables. It is complained that the ranking of England’s schools to rigid guidelines that fail to take into account wider social conditions actually makes failing schools even worse. This is because the most involved parents will then avoid such schools, leaving only the children of non-ambitious parents to attend.