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#131511 - 11/17/11 04:39 PM [Off-Topic] Re: Occupy... [Re: jazzmammal]
rharv Offline
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Registered: 05/30/00
Posts: 18804
Loc: Marysville, Mi. USA
Concerning our banking system in general-
I've been told by banking institutions that I cannot have large amouts of cash and make transactions using that cash. I am required to account for the cash when I make a transaction. I literally had a bank manager throw a fit when I tried to deposit 20k cash into an account. He told me I can not make transactions of that amount using cash without accounting for it.
So I am *required* to let banking/investment institutions hold my money. They then make money on it (or lose it at their free will if investing) and charge me fees when I want to use it.
Sounds like a monopoly of our currency to me.

For the record, the money had been withdrawn from various investment accounts (which in itself involved various fees and penalties paid to the institutions) to avoid further loss. And I 'can not' have my own money?? I *have* to have it in an account somewhere? And pay them whatever fees they want to charge .. AND bail them out when they mismanage it. Something is wrong with this picture.

The money is 'safe' in the system now and I'm not all that happy about it. I feel forced to let them make money on my money and charge me to do so. Please explain what I am missing.
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#131512 - 11/17/11 04:53 PM [Off-Topic] Re: Occupy... [Re: rharv]
Ryszard Offline
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Registered: 09/28/07
Posts: 3899
Loc: Kennesaw (Atlanta) GA
You can thank the DEA for the "accountability." The rest is just banking business as usual. For the record, under those same DEA rules you can move amounts of less than $10K without issue. If the bank gives you any guff about that, they're out of line.
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#131513 - 11/17/11 05:08 PM [Off-Topic] Re: Occupy... [Re: Ryszard]
rharv Offline
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Registered: 05/30/00
Posts: 18804
Loc: Marysville, Mi. USA
Yeah, I know, I ended up moving it to varous accounts in lower amounts (It killed that manager to watch me walk out with the cash).
But hey, at leat I'm contributing to their multi-billion profits this last quarter, so I have that going for me!
And earning almost enough in interest to account for the devaluation of the currency ..
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#131514 - 11/17/11 05:09 PM [Off-Topic] Re: Occupy... [Re: rharv]
jazzmammal Offline
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Registered: 06/08/05
Posts: 6490
Loc: Redondo Beach, Ca.
This is not the bank, it's the IRS and it's been on the books for at least 25 years. I could say where have you been but I won't. Much.

It mainly for money laundering by drug dealers and anybody else who does illegal activities for cash. Any cash amount over 10K has to be reported on IRS Form 8300 or the bank is in deep crap. This is not just banks, it's any business who accepts cash payments in one lump sum over 10K. Including you as a home builder/remodeling guy which is why I'm surprised you don't know about it. Someone pays you that much in cash and it's not disclosed you could go to jail. The IRS insists on detailed records so the money can be traced in an audit. I used to manage a new car dealership in the mid 80's and this came up all the time. Some super sharp mob guy comes in with 75 grand in a money clip and wants a new Bimmer. Nope. Those guys had to switch to shady wholesalers who work the auctions and the cash can be more easily hidden but even then the auction is a business and subject to the same rules.

Here's the form and as you can see, it's very detailed.

http://www.irs.gov/pub/irs-pdf/f8300.pdf

Bob
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#131515 - 11/17/11 05:25 PM [Off-Topic] Re: Occupy... [Re: jazzmammal]
rharv Offline
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Registered: 05/30/00
Posts: 18804
Loc: Marysville, Mi. USA
I didn't say I didn't know, just that I thinks it's wrong. The side effect of requiring me to have my money in an instituion allows them a monopoly on the currency and related services. Wasn't that way previously and they managed to make money. Now they make LOTS of money. Don't get me started on DEA .. we'd have another long thread. <grin>

Since the money HAD been legally acquired I thought it would be a simple explanation, as I had the proper paperwork, but when I had to do MORE paperwork (and waste my time to give them my money) it ticked me off. So I went a different route out of spite. I'll probably get audited anyway for it, but not until 7 years from now when the penalties would be most profitable. I've played that game with the IRS before too. I keep good records. You'd like doing my accounting Bob. Everything is there plain as can be.

As I think about this; so a few people did things wrong and now all of us are required to add to the coffers of private corporations to prevent it. Please tell me this solved the drug and money laundering problems.


Edited by rharv (11/17/11 05:57 PM)
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#131516 - 11/17/11 06:14 PM [Off-Topic] Re: Occupy... [Re: jazzmammal]
jazzmammal Offline
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Registered: 06/08/05
Posts: 6490
Loc: Redondo Beach, Ca.
I see Ryszard posted at the same time. The point of even this little side thing is that banking, our economic system and all of this Wall Street crap is incredibly complex and these so called protesters know absolutely nothing about it. They need some basic old school civics lessons in our constitution and our basic legal system. Nobody teaches that any more. All they think is somebody is getting "too rich" and somehow that's at the expense of the rest of is. Maybe a little but that's the way of human beings. Ever hear of Caveat Emptor? We're responsible for our own stuff, not anybody else.

I have several clients who made wads of cash by flipping houses several years ago and then saw the handwriting on the wall and sold everything. I have other clients who are underwater and really hurting. Who's fault is that? If you happened to buy a nice old Martin guitar at a yard sale for $200, found out it's a rare model worth 9 grand and sold it at an aucton for that amount, does that make you a lying, scheming SOB who took advantage of the poor person who ran the yard sale? That's basically all this is and was. There's winners and losers in every market.

There are probably millions of people you don't hear about and the protesters, lame brains that they are, don't know about either who when the market was hot refi'd their house, took out a 100K, bought a new, black Escalade (black means power and money doncha know), new flat screens, went on vacations and then the market tanked and they're underwater and oh, woe is them, poor baby's, now they're going to lose their home or already have and now they're blaming the banks and marching in downtown LA? Please. Millions more were told by mortgage brokers what they needed to put as income in a basic verification statement for a no doc loan and so blatently lied on the mortgage app. Sure, I make 120 grand a year, no problemo. That's a federal felony too, btw. So if somebody wants to open up all those mortgages thinking they're going to catch those dastardly banks in fraudulent activities need to think twice. Oh, yeah, they are arn't they? Want to know why that isn't being done? It's because members of a certain political party who were running Congress at the time know all about that in detail and don't want to throw all their poor inner city constituents in jail for loan fraud.

It all started with a certain President in the 90's followed by certain members of the House holding hearings talking about how all these hardworking poor people just need a little help from us and they too can have their piece of the American dream and if you mr. banker don't do it, we're going to investigate the crap out of you and charge you with discrimination. This is all in the Congressional record but these protesters can't be bothered to read it. Can't let the facts get in the way of a good squat.

That got the ball rolling and the rest was unintended but totally predictable consequences. And yes I freely admit I'm upset at myself for not catching it at the time. The real "one percenters" were the few who did catch it and tried to warn us but it was like pissing in the wind, nobody listened including me, my CPA friend and his friends in New York.

There's a very high powered attorney I know who was appointed to be a federal judge and took the bench at the beginning of this year. He told me at a party four years ago to not buy this house I was telling him about. He's very blunt and told me I was stupid if I went ahead with it. Did I listen? The market was hot, everybody was making money. When everything tanked and we lost those houses I took it like a man and moved on not yelling and screaming about how I'm somehow a victim in all this. And what really hurts is at the time we really were making the kind of money that justified those loans. All of our stuff was full doc with cash downs and completely legal but we still took a big dump.

What are you going to do? It was fun while it lasted.

Bob
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Biab/RB latest build, Win 10 64 bit, Intel 4770, 256 Gig SSD, 16 Gigs Ram, Roland Sonic Cell, Kurzweil PC3, Hammond SK1, Korg PA1XPro, Garritan JABB, Hypercanvas, Sampletank 3, more.

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#131517 - 11/17/11 06:29 PM [Off-Topic] Re: Occupy... [Re: rharv]
jazzmammal Offline
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Registered: 06/08/05
Posts: 6490
Loc: Redondo Beach, Ca.
Quote:

The side effect of requiring me to have my money in an instituion...




Not sure what you're referring to here. Nobody requires you to keep your money anywhere if you don't want to. It's just it's very awkward to try to buy big ticket items with cash because of having to fill out those forms but you can still do it if you insist. Are you saying you really would rather keep that kind of cash behind a cupboard in your kitchen like my grandparents did? They had a house in Flint and a cabin on Houghton Lake. When my dad went back there around 1975 or so to clear everything out after he had to move them out, he found $2,700 in savings bonds behind the wall. He only had a weekend to do everything before the house was going to be demo'd and he always thought he may have overlooked something.

Bob
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Biab/RB latest build, Win 10 64 bit, Intel 4770, 256 Gig SSD, 16 Gigs Ram, Roland Sonic Cell, Kurzweil PC3, Hammond SK1, Korg PA1XPro, Garritan JABB, Hypercanvas, Sampletank 3, more.

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#131518 - 11/17/11 07:04 PM [Off-Topic] Re: Occupy... [Re: jazzmammal]
rharv Offline
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Registered: 05/30/00
Posts: 18804
Loc: Marysville, Mi. USA
Sounds like it worked OK for them if they had a house in Flint, a cabin up north and 2700 in savings he forgot about .. <grin>

Wonder what the odds are of filling out said forms causing IRS audits and other hassles along with the waste of time filling them out initially? I may not be 'forced' to, but they sure make it inconvenient to not give my money to a bank. Possibly hazardous to my finances.
Like I said; I complied, so no worries I guess.
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#131519 - 11/17/11 10:35 PM [Off-Topic] Re: Occupy... [Re: rharv]
jazzmammal Offline
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Registered: 06/08/05
Posts: 6490
Loc: Redondo Beach, Ca.
Quote:

Wonder what the odds are of filling out said forms causing IRS audits and other hassles along with the waste of time filling them out initially?




Well, that's the whole point, isn't it? If you're the type to do large cash transactions and fill out those forms then sure, that could very easily cause someone to think, hmmm, wonder what he's doing to generate that much cash and has he been reporting it? The good news is there's a three year statute of limitations on most of this tax stuff except outright fraud. That's six years.

Bob
_________________________
Biab/RB latest build, Win 10 64 bit, Intel 4770, 256 Gig SSD, 16 Gigs Ram, Roland Sonic Cell, Kurzweil PC3, Hammond SK1, Korg PA1XPro, Garritan JABB, Hypercanvas, Sampletank 3, more.

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#131520 - 11/17/11 11:21 PM [Off-Topic] Re: Occupy... [Re: jazzmammal]
rharv Offline
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Registered: 05/30/00
Posts: 18804
Loc: Marysville, Mi. USA
I've had fun in this discussion, Bob, thanks for being such a great sport.
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#131521 - 11/18/11 06:38 AM [Off-Topic] Re: Occupy... [Re: rharv]
Pat Marr Offline
Veteran

Registered: 10/25/08
Posts: 7508
Loc: Winston-Salem, NC
Quote:

The point of even this little side thing is that banking, our economic system and all of this Wall Street crap is incredibly complex and these so called protesters know absolutely nothing about it. They need some basic old school civics lessons in our constitution and our basic legal system. Nobody teaches that any more.




if you've only got so many hours in a school day, you've simply GOT to prioritize, doncha know. Should we teach kids about real life and how society functions? Or should we get them angry about the injustices endured by spotted owls?

In a society where plumbing is deemed a lowly profession, and philosophy is deemed an exalted profession, it's just a matter of time before neither its pipes nor its theories will hold water.

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#131522 - 11/18/11 06:53 AM [Off-Topic] Re: Occupy... [Re: jazzmammal]
John Conley Offline
Veteran

Registered: 09/28/03
Posts: 8333
Loc: London, Ontario, Canada
The guy next door who put out those two TV's that lasted about 3 weeks without getting smacked took them to the 'electronics' recycling depot. When I said something to the guy across the street he said what I think I knew:

"They are inside on Facebook and playing Rambo on some video-game. Kids don't go out to play anymore..."

How true.

My 20 yr. old daughter barely comes up for air. She's even worse than not going out, she's in her room. Didn't the Beach Boys do a song about that?

At least I had the decency to blow up most of my stuff in the garage.

My wife hired a personal assistant. The woman's mother had a job in data entry and the family recently came from India. They did not live in a large city, but she told my wife that in every office, in all of their part of India, you spoke ENGLISH only all day. At first it was hard. But NO ONE actually spoke it well in her office. She's been in the country for 5 years now, left my wife's department for accounting and now is 1 year from her (American equiv. CPA). She's been working on that since before she got here.

Imagine kids being told that when they started work, they had to speak Chinese. Right. Riot right there I suppose. Occupy something.

In France they redistributed the wealth. And the 1% lost their heads. Dangerous stuff once the momentum swings. Maybe they should occupy a Betty Crocker factory. They could at least eat cake.
_________________________
John Conley
Musica est vita

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#131523 - 12/16/11 11:43 AM [Off-Topic] Re: Occupy... [Re: John Conley]
jazzmammal Offline
Veteran

Registered: 06/08/05
Posts: 6490
Loc: Redondo Beach, Ca.
Time to ressurect this thread. I let it die because there was nothing else to talk about without some new developments. Check this out:

http://latimesblogs.latimes.com/money_co/2011/12/sec-fannie-mae-freddie-mac.html

I had no idea the feds were working on this but I sure was hoping they were. This should make the protesters somewhat happy and validates my point earlier that they've been protesting the wrong places. There's certainly plenty of corruption on Wall Street but there's lots of honest WS exec's, hedge fund managers and bankers who should be able to trust what government agencies say concerning these matters. When they're blatently lied to by these FannyMae and FreddieMac exec's what are they supposed to do when they're being unfairly blamed for this mess? The ratings agencies S&P and Moody's have been unfairly blamed too but what was the source of their information? Yep, mostly these two agencies. Imagine a pyramid where these two agencies are at the top and all the analysis that goes on below them is through the filter of the information they give out. Then go back and research what the Congressional finance commitees were telling these two agencies 5-10 years ago and then get an idea about who's really responsible for this mess.

This new development is great and I hope it's not the last indictments, but merely the first.

Bob
_________________________
Biab/RB latest build, Win 10 64 bit, Intel 4770, 256 Gig SSD, 16 Gigs Ram, Roland Sonic Cell, Kurzweil PC3, Hammond SK1, Korg PA1XPro, Garritan JABB, Hypercanvas, Sampletank 3, more.

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Page 6 of 6 < 1 2 3 4 5 6


PG Music News
Tutorials - How to Install Band-in-a-Box® for Mac

Here are some tutorial videos we've created to help you install your Band-in-a-Box® purchase.

Our Band-in-a-Box® Pro, MegaPAK, and PlusPAK are delivered as a download, on DVD, or on a 32GB USB flash drive.

Installing Band-in-a-Box® from DVD: click here to watch.

Installing Band-in-a-Box® from the 32GB flash drive: click here to watch.
Your flash drive shipment also includes a Band-in-a-Box® keychain!

The Band-in-a-Box® UltraPAK is available as a download or shipped on a portable hard drive. When you receive the hard drive version, there are a few different installation options:

Option #1 - Run Band-in-a-Box® directly from the USB drive only: click here to watch.

Option #2 - Install Band-in-a-Box® on your computer hard drive, but leave the RealTracks and RealDrums on the USB hard drive: click here to watch.

Option #3 - Install Band-in-a-Box® AND RealTracks on your computer hard drive: click here to watch.

All of these videos are available on our YouTube Channel or Videos support page.

Video - Making A Song in Band-in-a-Box® 2018

Ever wonder how to create a song in Band-in-a-Box®? We start off with the basics in our latest video for Band-in-a-Box® 2018!

Windows users: click here | Mac users: click here

RealTracks Patch Update for Windows Users

Band-in-a-Box® 2018 for Windows users can download the latest RealTracks update patch (519) here.

This patch includes some RealTracks audio updates we have made since the release of Band-in-a-Box 2018. 2018 users should be sure to download the latest Band-in-a-Box 2018 update patch (519), as that patch includes the bulk of the fixes for RealTracks released with 2018. This is a larger download than typical because it updates the Vocal Oohs and Aahs RealTracks audio files. There is more information and Audiophile patches available here.

Summary of RealTracks Audio updates:
Improved: There were small issues with the tuning of several Bass styles. This has been fixed for both the original mix and the direct input mix. This affects the following RealTracks:
- Bass, Acoustic, AmericanaSlow16thsByron Ev16 060
- Bass, Acoustic, AmericanaSlow128Byron Sw 040
- Bass, Acoustic, RockabillySwingByron Sw 190
- Bass, Acoustic, BluesyPopByron Ev 100
Improved: Audio glitches have been removed from the ends of phrases in the Vocal Oohs and Aahs RealTracks.

Band-in-a-Box® 2018 for Windows Patch Update Available!

Band-in-a-Box® 2018 for Windows users can download the latest (free) update patch (519) here.

Summary of changes:
Added: Additional dialog available for detailed information in the StyleMaker (fields for memo, examples, and other parameters). These are set in the StyleMaker (more dialog, a button called "Style Memos etc").
Added: Help Video button Added to the Audio Harmony dialog.
Improved: ABC opening improvements with some accidentals, and leadin bars that occur in middle of song.
Improved: Audio harmonies now used Improved algorithms, and can be easily set using N voices above, M voices below (and have additional functions like duplicate melody, and dup. melody octave below).
Improved: Lyrics will be now read from .mid files that used to be karaoke files (.kar) and got renamed somewhere along the line.
Improved: Support for RealTracks that should be transposed only lower (ie heavy metal guitars) and for future Improved metal guitar comping.
Improved: The Audio Harmony Dialog has been rearranged to be more intuitive when using Band-in-a-Box Intelligent Mode.
Fixed: Audio harmonies might be missing some notes.
Fixed: Audio harmonies would be generated with the wrong notes if selecting a range of audio in the middle of the track.
Fixed: Band-in-a-Box might crash on bootup with error "Read Beyond end of file".
Fixed: Band-in-a-Box should show message if the latest VJT application is not installed when the user tries to render videos.
Fixed: File > Open Special > Open Audio was importing audio instead of opening it in a new song.
Fixed: In the Bar Settings window, "Chordsheet and Notation - Start a New Line" should say "Notation - Start a New Line".
Fixed: It was not possible to record audio using WAS audio drivers if "Output always on" was disabled.
Fixed: Misc. RealTracks updates.
Fixed: Quicklist drums picker sometimes showing too many drums in the list.
Fixed: Redundant flash messages were showing.
Fixed: Removing a custom drums from a track would still display Drums as the name of the loop in the track.
Fixed: Rendering audio while there is a region of bars highlighted in the chord sheet might cause a crash.
Fixed: Saving a MIDI file would fail unless saving as type 1.
Fixed: Some 12-key RealTracks were incorrectly set to allow transposition.
Fixed: The Audio Harmony dialog needed some hints.
Fixed: The Audio Harmony dialog was missing the new Band-in-a-Box Intelligent Mode.
Fixed: The VJT application should print out its version number in log files.

Tutorials - How to Install Your Band-in-a-Box® for Mac Hard Drive

When you have your Band-in-a-Box® 2018 for Mac UltraPAK shipped to you on a portable hard drive, there are a few different options for installation. We go over these 3 options with our latest video series:

Option 1: Run Band-in-a-Box® directly from the USB drive only: click here to view.

Option 2: Install Band-in-a-Box® on your computer hard drive, but leave the RealTracks & RealDrums on the USB hard drive: click here to view.

Option 3: Install Band-in-a-Box® and the RealTracks & RealDrums on your computer hard drive: click here to view.

Check out all our Band-in-a-Box for Mac videos here.

Video - Downloading and Installing RealTracks Sets for Band-in-a-Box® for Mac

Have you purchased your Band-in-a-Box® package, and want to make sure you're downloading and installing the RealTracks Sets correctly?

Well, we've created just the tutorial video you're looking for! Band-in-a-Box® 2018 for Mac® - Downloading and Installing RealTracks Sets.

Video link:
www.pgmusic.com/?vid=QndXu8H_IwM

Thoughts on Band-in-a-Box® 2017 - Mac Power Users Discussion

David Sparks and Katie Floyd discuss a variety of topics in their recent episide of Mac Power Users: https://www.relay.fm/mpu/432 - listen all the way through (and laugh along with them - it was a very entertaining episode!), or jump to 1:37:40 where David shares his thoughts on Band-in-a-Box® 2017 for Mac!

Thank you David and Katie!

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