Banks Switching to Chip Technology

Business Insider

The way incumbent banks verify the identities of their customers online is inconvenient and insecure, resulting in lowered customer satisfaction and loyalty, and security breaches leading to compensation payouts and legal costs.

It’s a lose-lose situation, as consumers become disgruntled and banks lose business. The problem stems from the very strict verification standards and high noncompliance fines that banks are subject to, which have led them to prioritize stringency over user experience in verification.

At the same time, this approach doesn’t gain banks much, since the verification methods they use to remain compliant can actually end up compromising customers’ personal data.

But banks can’t afford to prioritize stringent verification at the cost of user experience anymore. Onboarding and verification standards are increasingly being set by more tech-savvy players within and outside their industry, like fintechs and e-retailers.

Job 22:25 Entrepreneur Ministry

(in a month or two my ‘chipless’ card will expire.

Leaving me with no other option but to get a chip ‘renewal’.

My bank isn’t good when it comes to individual problems and due to transportation & bank locations (locally & statewide) i stay with the company despite its ugly attitude.

i’ve already asked if i have to get a chip card as a replacement and the answer is yes.

The chip cards are NOT safer! More convenient for the consumer & the criminals!

i never considered that the banks were/are being forced to upgrade!

To me, much like the multi-billion dollar tv networks, ‘updating’ into modern tech from wealthy dinosaurs means lack of investment in actually making the tech work!

This is why banks totally (well almost totally) online are more & more tempting.

Even looking at ‘financial institutions’ not known as ‘banks’ yet are getting closer to that opportunity everyday!

(ie: Franklin Mint, Mint, etc)

Business Insider may even be angling that way!

Imagine a corporation so big and intricate, it takes billions to run everyday.

Then imagine that company being hit with severe enough losses to make daily operations difficult.

Banks are big like that.

A drop in service, anywhere, means death to the entire business.

Mainly due to reputation.

For the larger your customer base, things like 1% could mean billions of dollars.

‘Houses’ NOT built on rock. (Matthew 7:26-27)

Meaning that there are ways to ‘lessen’ such vulnerability, yet it would require slimming down, not being ‘competitive’.

Hence another topic of conversation: Competition.

I want my business as i am in life.

There ain’t no competition but me.

Another reason why my business wouldn’t look good on paper.

Because competition DOESN’T motivate me.

So using that as a selling point?

Improvisation based on morality?

is NOT a ‘good’ business model!

Investors desiring ‘competitive’ returns, can kiss my behind!

i do not want that mentality anywhere near me!

Meaning anywhere near my business(es).

That dog-eat-dog mentality?

Dog meet Elohim, is the business ‘regiment’ i desire, the ‘culture’ i want.

i do not desire my ‘Christian Values’ explained away with, “This is business.”

That is bs!


It’s not over, when Christ is in it!

New policy, new conduct.

Deprogramming if you will.

Industry standard?

Yeshua’s standards!

Viable and profitable, financially as well!

This i am out to prove, in Yeshua’s holy name.

We will cross that ‘bridge’ when we come to it.

For i don’t even desire these ministries to ‘sound’ the same as everyone else.

Yet i struggle with ‘language’ common to understanding?

What ‘wording’ would help achieve this?

i find myself repulsed at that motivation!

Off track, it is.

(tis easy to do without policy)

The more i am involved in business, the more i see the need to ‘rewrite’ policy!

In other words, policy that addresses the ‘unspoken’ habits of ‘humanity’!


Do i desire people who need that?

No, yet i need to make that policy too.


This is why, one step at a time!

Clarification will come!

Will come once it’s built, not before.

For much isn’t seen until after its applied!

Tis why i am grateful the Lord ‘works things out’ for me ‘in process’.

In the actual doing of the thing, whatever it is.

In this case business policy the way the Holy Spirit wants it done!

How He wants it written!

Not my ‘interpretation’ of what He could want!

To know what He wants in every circumstance?

Writing business policy is the ‘bible’ of your business for everyone!

People inside and outside the ‘business’.

A great example is look at how the Bible is used today, how it is considered by those in and outside of Christ.

Weighty & overwhelming for me.

To even ‘consider’ the implications!

To see The Bible as ‘goals’!

instead of life & death.

This is what i’m afraid of.

People using my business bible (policy), like people ‘use’ the bible today!

For once written, it is treated as law!

This is why i leave the writing of ‘policy’ up to the Holy Spirit!

For conduct, long-after-i-pass-away, ‘policy’, manifesto, is what i speak of here.

Elohim given policy amongst a evil-eat-wicked world (they are demon dogs, hellhounds! Dog eat dog.)

i desire my business bible to be as effective as The Bible itself!

Both legally and subjectively!

In Yeshua’s holy name, amen!

(Whew! No pressure! Lol!) πŸ˜€

found this trying to understand what ‘incumbent banks onboard’ meant:

Tech giants are coming for incumbent banks

so true!

Tis why Netflix is beating TV networks!

Those more savvy in tech have a tremendous advantage over those already fat and lazy before the internet was invented!

Netflix is now an incumbent! Maintaining that today is difficult!

So easily changed!

(This is also why being too popular is problematic! Like Andy Mineo says,” Everybody wants to be on top, i don’t think (they) know what that means! Everyone gunnin’ for your spot.” (the song, Never Land– the way up is down! Exactly the point of this article!

Leave the ‘ways & mindset’ of this world behind!

The devoid’s motivations.

In Yeshua’s holy name, amen!)


Toys R Us may liquidate US operations

Shares of Toys R Us debtholders Hasbro and Mattel saw their stocks fall in after-hours trade Thursday. Hasbro fell more than 3 percent, while Mattel stock declined nearly 5 percent.

Both toymakers previously said that the retailer’s bankruptcy filing materially impacted their businesses.

In February, CNBC reported that the retailer was at risk of breaching the covenant on a $3.1 billion loan after a disappointing holiday season. Toys R Us’ sales, traffic and profit all fell far short of what it had told lenders to expect.

Toys R Us had already begun liquidation sales ahead of planned store closures

The toy retailer filed for bankruptcy in September as it struggled with its $4.9 billion in debt. Under bankruptcy protection, Toys R Us tried to find the financial flexibility to reduce that debt.

Bloomberg first reported the news.

Trump blocks Broadcom takeover of Qualcomm,

Broadcom is currently in the process of moving its headquarters from Singapore to the US β€” according to Bloomberg, the move was expected to be complete by April 3rd. With the move, Broadcom seems ready to fight Trump’s order. In a statement, the company said β€œUS national security concerns are not a risk to closing, as Broadcom never plans to acquire Qualcomm before it completes redomiciliation.”


Meaning they are going to acquire it anyway?

is that even possible?

First of all, Broadcom!

Why are you being all ‘loud’ about this anyway?

(What is this smokescreen for?)

Allowing foreign businesses to set up here…wow!

Like i said before, this would be laughable, since the United States has been doing this very thing, to other countries for decades now!

How does it feel Trump?

To be ‘raped’ by another country?

Forcibly bent over and up the anus?

Double laughter being a black person.

Triple being female!

Yet its not laughter as in funny, its just like being in town when Godzilla and Mothra go at it!

Two Goliaths in other words.

The foundations shaking like earthquakes.

Laughing as everything around us shakes & trembles.

We finally get us a ‘Corporation President’ & the things other countries have been wanting to do to us for years!


All this reminds me of the “Red Scare”!

Russia, nuclear war, etc, used to scare the populace.

In the name of Democracy much evil was done, during the ‘Red Scare’!


Now terrorism/insurgents.

(there is no way in hell (for the world is hell) me, as a Black Person, would willingly label anything Insurgent! (like some idiots in business are doing now!)

Will our culture be changed too? Like what we’ve done to others?

Rebellions (riots) based on…what?

For i hear that is how unions started!


So are we to ready ourselves for that?

Psalm 112:7-We do not fear bad tidings (news). Our hearts remain steadfast with the Lord!

How do we overcome fear for others though Lord?

And You know what happens when there is a stampede!


Time to pray again!

For the health & welfare of the United States!

A plea really!

Apology & then begging!

For neither side really knows what it’s doing!

China says a trade war with US would be problematic…

i would assume so, since they plan on moving here!

I’ve heard of buildings/offices owned by foreign countries given the same treatment as an ’embassy’ would!

For an embassy is treated as ‘occupied’ by that foreign country.

Diplomatic status, sanctuary and all!

Precedent is already set!

Now everyday US citizens may get first hand knowledge of the way ‘we’ do business overseas, by the way ‘we’ are treated by foreign corporations here! In the good ole’ USA!

Revenge is a mug, isn’t it, Donald Trump?

(still a smokescreen or what we call, slight-of-hand!)

What i keep telling people all the time…

Hear it from Steve Harvey, maybe more folk will ‘listen’! πŸ˜€

People claim they want to see an Entrepreneur in the making, when it first started…

Which is a load of BS!

People want to see the ones that are popular!

The stories on the popular Entrepreneur’s!

AFTER! They have become popular!

Write your own damn story!

Like a pic portfolio, a scrapbook of all the things and ways you tried this and that! The people you met, etc!

Write your story like you are Elon Musk TODAY!

It’s what we call a ‘winning’ attitude!

Those with this attitude make it many more times than those who do not!

(Plus! Gonna tell you now! You gonna NEED to be your own publicist! Your own coach, your own motivation! Especially when things get rough, when and if despair hits ya!)

No one wants to actually follow someone through the shame, the ridicule, the laughed at moments!

(For some think ya whining? Just cause they follow an abusive pattern (keep it all inside!) doesn’t mean that is the way it should be done!)

I read up on successful folk, businesses, etc…, UNTIL! I keep reading and finding the same advice over and over and finally decided to just do it! (Nike not intended)…

Believe in yourself!

Believe in yourself!

Trust yourself!

You CAN do it!


Found out that me and the ‘successful’ ones i admire (like the author of Rich Dad, Poor Dad), that we have a lot in common, except they had more arrogance than me!

More narcissism!

They were more of an *sshole than me! πŸ˜€

They stuck to a routine/principles more than i!

In other words, i was/am too nice!? What?

Take what you will from it and discard the rest!

For when we strike that formula! (YES!)

Realized that the world is full of cowards…bullies on the internet! Is a great example!

Grammar nazi’s! And people who mock my grammar/spelling!

Tis why in video, spelling is NOT an issue! Neither is punctuation as much!


There though, the really polished ones make me sick! No matter what they are actually saying! The ‘sell’ for me is being real! (and i like charm despite it!) πŸ™‚

and Steve Harvey is charming for sure, like most snakes are!

For the grin will stay till he gets where he wants!

Lord! May most of my smiles be real!

Not gonna kiss Trump’s behind (white man $$) to get there like Steve and Oprah!

i rather stay poor! For i do not want so called ‘riches’ without You! Holy Spirit!



To get it all without losing my principles! To be even closer to the Lord then (for i know i will need it more!)

I believe what You have shown me Lord!

For we will be there one day, in Yeshua’s holy name! Amen!


10 Traits of Highly Creative Achievers

4. Lead with their heart.

Highly creative achievers tend to be anti-establishment.

They view bureaucracy as something which stunts their creativity and serves only to dictate and limit their behavior, their full expression and their potential to have a significant impact in the world.

They are often considered non-starters because they will not go by a rule, as they prefer to lead from their heart and not their head.

They are more interested in people than status, and choose to work in ways that serve the larger whole rather than only serving to empower of the establishment itself.

Qualcomm & Broadcom

Who is Qualcomm?

Semiconductors – Qualcomm designs various ARM architecture-based CDMA, UMTS and LTE modem chipsets and SoC products under the Snapdragon brand. These chipsets are sold to mobile phone manufacturers such as Kyocera, HTC, Motorola Mobility, Sharp, Sanyo, LG Electronics, Microsoft, Sony, Xiaomi and Samsung for integration into cell phones.

Although a “fabless” semiconductor company, meaning Qualcomm does not engage in the actual manufacturing process, the chips the firm has designed are powering a significant number of handsets and devices worldwide, both in CDMA and UMTS markets.

MediaFLO – Qualcomm is the inventor of the MediaFLO system, based upon OFDM, which transmits 12-15 television channels within 6Β MHz of spectrum. Qualcomm has standardized the lower layers of this design in TIA, and manufactures chips and software to add this television capability to cellphones.

(This here, below, was too good not to copy/paste)

Qualcomm GobiQualcomm Gobi is a mobile broadband chipset used mainly for cellular data networking and it is also now used in a few enterprise smart phones (e.g. Motorola ES400).

It currently is a 3G technology capable up to HSPA on GSM and EV-DO Rev. A on CDMA carriers.

The Gobi chipset is a microprocessor that can load a specific carrier image so that the device appears to be specifically designed for that carrier’s network.

Since GSM and CDMA are quite different, and since Gobi devices can switch between them both using the same silicon, their solution is considered to be innovative.

Gobi Technology is best suited for large enterprise customers where a single mobile operator cannot serve all of their wireless modem needs since there is not one carrier that provides the same level of service in all the places they need that service.

The Gobi solution allows the IT department to roll out a single module on their laptop builds which can be configured to behave exactly like a device that is locked to the carrier that they want to use in that area.

In the United States exactly the same hardware can be used on the CDMA network or the GSM network of their choice.

For GSM users that travel out of the United States the Gobi solution can be used to avoid international roaming charges by switching the SIM and the device’s carrier image to a local provider instead of incurring the roaming charges. In both scenarios the customer must have different wireless accounts with each provider they wish to use natively.

It typically takes 20 seconds for the device to load the carrier image into NVRAM and reset and come back online.

Gobi 3000 is the next hardware revision of the Gobi platform and it natively supports HSPA+. The model for Gobi 3000 is different. It is a reference design the OEMs can license and produce their own Gobi 3000 compliant modules with their own extensions. Qualcomm does not sell any Gobi 3000 silicon. The reference design allows the same boilerplate hardware and software components for the basis of OEM chips which allow the OEMs to focus on innovations on the mobile broadband platform rather than getting bogged down with low-level RF implementations. Currently, Gobi platforms supported LTE natively.

Qualcomm re-branded its Gobi modem products under the SnapdragonX-series branding in December 2014.

(and back to Who is Qualcomm?)

Operating system – BREW (Binary Runtime Environment for Wireless) is a proprietary cell phone application platform. BREW is designed so that the platform rejects unsigned applications. In order to have an application signed, a developer must pay a testing fee to National Software Testing Laboratories (NSTL), which then can approve or deny the request.

This allows carriers to maintain control over the applications that run on their customers’ phones. BitPim is a popular open source program which can access the embedded filesystem on phones using Qualcomm MSMs via a cable or Bluetooth.

It should be pointed out that signing systems are also used in Apple iOS, Java ME, and signing is often required by carriers and OEMs.

(Point being: Qualcomm is doing very well as a company.) Now,

Who (in the hell) is Broadcom?

Broadcom Corporation was an American fabless semiconductor company that made products for the wireless and broadband communication industry. It was acquired by Avago Technologies in 2016 and currently operates as a wholly owned subsidiary of the merged entity called Broadcom Limited. The division is headquartered in Irvine, California.

(Okay, then…)

Who (the *uck) is Broadcom Limited? Or should i ask Avago Technologies?

Broadcom Limited (formerly Avago Technologies) is an American designer, developer and global supplier of products based on analog and digital semiconductor technologies within four primary markets: wired infrastructure, wireless communications, enterprise storage and industrial & others.

(Ok! Whew! Don’t have to inquire into two more places! This should do it!)

Tan Hock Eng is the company’s president and CEO. The company is incorporated in Singapore, and is co-headquartered in San Jose, California (administrative) and in Singapore (corporative).

Avago took the Broadcom part of the Broadcom Corporation name after acquiring it in January 2016.

(That alone should be a security problem, in fact, i’d be checking whatever a foreign country has a ‘hold’ of in the USA.

(See America has been doing this type of stuff to other countries for a very long time!

Like the Titanic or the ‘Great White Hope’, the USA was so greedy elsewhere, our corporations have vacated the USA, leaving US wide open to ‘invasion’-

(one man’s trash is another man’s diamond field!)

So busy being greedy, foreign entities have been buying the USA lock stock and barrel!

Suadi’s owning ports!

Japanese owning Yellowstone Park! (Smart move that!)

and China?

Since we ( the USA) are 4 billion to 11 trillion in debt to China (Singapore is Chinese territory by the way)

Then in reality who owns everything in the USA anyway?

Debt is slavery!

China owns US!

Betcha the Chinese dollar (whatever it’s called) is one of the best in the world!, because they own US!

At least the renminbi or yuan (Chinese dollar) is a hell of a lot stronger than the US dollar for sure!

If i wasn’t so scared of China actually ruling US (oh! Maybe that is why Trump turned to Moscow! Beat a Communist with another Communist! No one else but Russia could stand up to China! Cause the USA sure cannot!

Imagine war with China!$&@!


if i wasn’t afraid of being ruled by China (or Moscow) this would be funny as hell!

For like Malik El Shabbaz said! “Chickens coming home to roost!”

(notice how the USA has been changing into Communism lately anyway?

Big key factor, freedom of speech?

Lol! Yeah right!

Corporations stop that from happening!

Presidents too, Obama included.and who owns everything? (Besides China?)

One, two, maybe three corporations!

There are your political parties right there!

Can’t hardly tell the difference between a Democrat and a Republican these days…Tada!

This is why!

We got rich Democrats too now! πŸ™‚

Who are protecting themselves, not the majority, who are not rich!

i have a dream!

That one day,

There will be a corporation for the people by the people! πŸ™‚

in Yeshua’s holy name, amen! πŸ˜€

Psychological Effects/Affects of Slavery (Generational Trauma)

There are many today who are living off of/from slavery ‘benefits’ today.

Unable to vote, unable to own land, lynching is still happening today in the good ole USA, unable to copyright, trademark, etc.

Today whatever we produce is ‘copied’ (stolen) by someone else without ‘society’ really caring.

Modern day slavery…

Never forgetting those who work for the rich (house keepers?), whose passports are withheld from them.

Prostitution is slavery, who chooses it? Who DOESN’T want out?

Abuse in the name of ‘keeping your job’, legal abuse? Stuff that takes a long time to prove.

Many of us are too traumatized to stand up to ridicule talking about it.

We, as a race, have ‘shell shock’, PTSD, generational PTSD and getting help for it?

Health care is dangerous in the wrong hands.

Full of closed minds and atheists anyway…

Jews forcibly converted to Christianity (to save their lives), many of them brought their hatred into the ‘Christian’ way of life.

We too were ‘forced’ into ‘Christianity’ (to save our lives) and bring the ‘Slavemasters Christianity’ to the church.

For we could not dance, enjoy ourselves in no way whatsoever, for decades.

Puritan Christianity

what other civilization burned people alive?

Had parties watching it?

Made us watch it?

Smell it?

Cut off our feet? Our hands?

Today we deal with purses clutched tighter, when we make more money than you do.

Cry rape, any abuse, by a Caucasian female?

Automatically believed.

Many in jail, lives ruined, dead for that right now, in the USA

We live in fear.

So much fear, so traumatized we’d rather pretend, deny (save our own neck)

We call those people Uncle Tom’s.


There are very few of us who speak about it anyway.

Regardless of opposition.

Denial from society at large & from our own ‘people’.

May the Lord help me to continue the fight for freedom, in every way possible, in Yeshua’s holy name, amen.

There are many others receiving the effects/affects of this Slavery Culture, who didn’t believe until it happened to them.

There are those suffering from this who do it to others, to receive less abuse/discrimination themselves…

Otherwise you are known as a ‘N*gger lover’ and treated the same as we are.

This Lioness has a blog. πŸ˜€

The hunter (poacher) doesn’t like to hear it and tries to ‘bury’ ‘it’ (this issue), tis why they want the ‘old’ USA back.

To silence us.

Genocide much?

We will not ‘win’ more freedom with violence.

Elohim is just waiting for us to stop ‘trying’ to free ourselves.

Let Elohim do it for us, He is ready, the time is now.

Get the Blood of the Lamb on your house quick!

For Passover will happen for those who love like 1 Corinthians 13:4-8.

You were separate from Messiah, excluded from citizenship in Israel and foreigners to the covenants of the promise, without hope and without God in the world.Β  But now in Messiah Yeshua, you who once were far away have been brought near by the blood of Messiah.”  (Ephesians 2:12–13)

I know it hurts to hear/be reminded of any type of pain.

The more traumatic, the more defensive…

The more we are in slavery to it…bondage.

One for all.

Yeshua new that slavery like it happened here, in the USA (longer than anywhere else, more horrifying, longer than anybody else ever,), would happen.

Watch The Passion of Christ with new eyes.

Replacing Yeshua with every slave whose bodies were ripped open, burned, etc…

Even the slavemaster and his descendants are forgiven, if they are willing to accept their role in any form of bondage today…

Ask that your ancestors be forgiven, your family, generational curses are real.

Ours is over…

Now Elohim’s retribution will only ‘pass you over’ if you admit your part in this.

Unintentional or not.

Pray about unawareness.

Lord, anything i am unaware of, have been blind to, blocked, etc, please help release me from this bondage with Your love, mercy & grace. For i desire freedom for all in Your holy name, Yeshua, amen.

You want freedom? Want to keep it?

Ask for it in Your heart, for the Lord hears our spirit. Hallelujah. Words not needed.

Intent (spirit) is everything.