Subprime loans – What is considered (economic risk and rewards)

Not many years ago, subprime loans almost toppled the global economy. The financial world swore collectively not to pass the money overboard to people who were considered unlikely to return it. But in the USA UU., Some forms of subprime are increasing again, mainly in car loans and also in loans for small businesses. That has some worried observers, and others ask for more loans of that type.

Not all high-risk loans are bad, they say, and it’s not just banks that say so. Consumer advocates want more people to have access to loans, while economists see that tight credit plays an important role in containing economic growth. Maybe subprime mortgages are the medicine that the economy needs. Or maybe the subprime is such a slippery slope that it’s better not to go there. Is it possible to make the right amount of risky loans?

The situation

The uptick in subprime mortgages was faster in auto loans, although it is still below its pre-crisis peak. In addition to granting loans to more borrowers with low credit scores, US auto lenders. UU They have made the terms more flexible by giving consumers up to seven years to pay and allow them to use refunds from the manufacturers of use for a down payment. Three of the largest auto lenders, Ally Financial Inc., Santander Consumer USA Holdings Inc. and Credit Acceptance Corp, have had to reserve more money to cover delinquent loans, as banks have warned that the auto loan market will is overheating

The amount of delinquent auto loans has increased and federal regulators have said it is an area they are monitoring. Online lenders, after years of lending to small businesses that had annual interest rates of 100 percent or more, are now experiencing a shock after being burned by the losses and struggling to secure sufficient capital. The image is different, however, in mortgage loans. Bank executives, including Jamie Dimon of JPMorgan Chase & Co., have said that the massive increase in the regulation of mortgage loans has meant that many people who buy homes for the first time have been excluded from the market. Even so, the return of bonds backed by higher-risk mortgage packages, now known as non-mortgage loans, has some regulators worried.

How-to: Dream Mapping

We`d like to introduce english version of First Gate dream mapping programm. It was created by Hackeros group (by TDG) in 2002. We do use this software for a long time and appreciate Hackeros for developing it a lot.

To use this tool more efficient you should read few DreamHackers group letters in order to get the basic idea. After that you are free to change it, modify, search for you own approach. You can always ask questions using our Forum.

MSU group is NOT a part of DreamHackers, Hackeros and do not have any connection with them.

Download English version of First Gate

DreamHackers letters in Russain can be found here. Google Translation is quite good, so you can try to use it. Here`s the translated site with letters. Also, thanks to guys from forum, they traslated few first letters.

Some information from

Name: Answers
Author: Sergei Izrigi

Sergei Izrigi

The point is: you keep a dreams diary (extremely useful thing in the beginning of the practice), but, when writing down your dreams you accentuate the place. Like: “I was meeting Cryonus in one strange street. We were talking about tibetan sharks. At the same time four burglars were robbing the jewelry shop. There was a horrible skirmish”. Then you draw the plan of the street, location of the buildings; try to recall what is located nearby (outside the bubble of perception). If you remember nothing else – just keep it as it is. Then you put a number of the dream in your dreams diary; place this number on your dreams map. I’ll tell you about the orientation on the map later. In a period of time your bubbles will start to unit. There will be many of them, they will flow together, making from a hundred of fragments a dreams map – an island of tonal. Making the map is putting your tonal in order. And, suddenly – BANG! – You start to recall places in your dreams you used to visit five or ten years ago. You just draw the railroad and the station you’ve seen in a dream, and then realize that you were following this route to some place. You know for sure it was in a dream; such place may even not exist in the reality. But in the world of dreams it does exist, and you draw it.

Such dream memory starts to visit you in increasing frequency. You feel something powerful growing inside you, something giant and unstoppable. Then – Whoa! It rushes into you. At this moment you can draw nearly the whole map! You know almost all places! You are burning from inside with knowledge and power. You can do anything. People are clinging to you like flies do the same to … stuff. Power attracts everyone. In a few hours your solemnity rises heaven-high.

It’s an extremely dangerous moment. Crossroads! This way or that way! To the possession of the power followed by weakness, or to calm and careful advancement further. I will write about that. Hundreds of people fell off from “Hackers” at this exact point. Then they became “usual people” – so much usual, that they tore their hair for that period of life, when the bird of knowledge carried them.

And do you know what is the thing you call the sight of the realization? It’s your experience of meeting another dreamer. It comes so, that dreamers often see each other as unearthly beings. At some steps I and a ten of another people had to make initiations – show our new friends dreaming together. First meetings are almost always the same. I was being apprehended very badly. Remember, that Carlos Castaneda was making a slip during the same meetings with S. Manuel. Everybody makes a slip or lose powers because of fear. These are monkey tricks of the first attention. While brain is adapting to the meetings with the elements of the second attention, facing the colleagues is “a battle with evil creatures, who wants to take my soul”. This was a description of her first meeting with me, given by one of my acquaintances.

Name: Answer
Author: Sergei Izrigi

Sergei Izrigi

I’d like to get an answer to the question: “How to cartography the world of dreams, if everything is being changed continuously?” – It’s a question I’ve asked in Zesta.

During the dreams map making you will find out, that not all of the regions of this artificial space are changing all the time. The thing you call world of dreams is an illusion. It’s a description of a real phenomenon which escapes our attention. To describe it closely we do the artificial substitution.

Example: Unknown criminal makes a robbery and escapes on a car in unknown direction. That is, we have squared uncertainty. Criminalist uses the artificial substitution and gets: (a) plaster cast of the cover print; (b) finger-print of the criminal. One day later the State Automobile Inspection determines the model of the car, and the Informational Center of the Ministry of Home Affairs gives the file on the person with the same finger-print.

Conclusion: by using the artificial substitution (dreams map) we can learn a lot about that unknowable phenomenon, that you call world of dreams. Map is not the world. Globe is not the Earth.

While making the map you will learn that there are zones of transmutations – regions of continuous changes.

Moreover, you should take into account, that fixation of the attention in dreams requires power. A lot of power – the world is firm and stable like the everyday reality. Lack of power – you are borne from one plot to another. All the science of the dreamer consists of two tricks: bringing in the attention into dreams and fixating the things you perceive.

—Some forum messages from Ovdeto writes


I’ve been doing this dream-mapping technique for about a year now. Unfortunately, I don’t speak or read Russian language and I’m kind of alone with this practice in here, so I’d like to share of what I have done so far, how does it progress and what are the problems. Also, to ask a question or two :-)

A year ago, I got into possession of few pages of some reposts taken out from some forum, about DreamHackers, mostly written by the person named “Iveta”. In there the technique called “dream cartography” is described. I’m among those people who have been trying to find their hands in a sleep for several years, with poor success (only three times in six years). The irony is, today, the dream mapping practice seems to be helping me in finding my hands more than it was the case when my whole focus was on that task :-) (as shown in the example bellow). Reading DH reposts, I felt great enthusiasm and excitement: it seemed like there was something in it. So, I decided to try “the cartography of dreams” technique.

At first, in order to avoid influence, I didn’t want to simply follow descriptions of the map as in those reposts, regarding the appearance of the map and world sides (east/north/west/south). Instead, I followed the content of my dreams for one month and used these “information’s” to set up the initial view of the map to start with. I have noticed that the house of my childhood, indeed, was the place most dreamt, that is, I was dreaming a lot about it and it kept appearing in my dreams very often. So, I placed that house to the center. Drew a large circle around it (the circle idea I’ve got in dreams from a dream character, some “gipsy woman” who gave me detailed instruction how to do it). Also, I have noticed that these “bubbles” are indeed very small area, usually not more than one street, room, vehicle or a ship.

Another problem I had, was with the ways of drawing the map, the technique, how to do it. Then, I decided to do it in the computer, using COREL DRAW program. This way I could change, move, delete and add bubbles as I wanted and there are a lot of finished symbols as a part of the program, which I could use for various bubble-descriptions. So, everything was set to start with this practice.

At first, I had a dilemma with the method of cartography; for example: I would focus on d/characters for a few nights. Than, for the next few nights I set my emphasis on the landscape. In time, I have learned how to project the dream description on the computer screen, focusing entirely on the landscape, rather than to the characters or other aspects of the dream. I have learned to use CDR program in a way which I would spend the least of time with the good effects and that I could easily use the picture as an”anchor” for later remembering the dream. In this example I’ll show how I do it:

(see the picture on the bottom)

I decided to use the date of the dream as it’s number, so I could relate it to the dreaming diary, if necessary. This is example of three bubbles in one dream, which I dreamt 16/03/2006:

In the first one I was with two people on the street in front of my present apartment. Suddenly, the thunderstorm started with heavy, dark clouds and we wanted to hide from it. This made the bubble to change: now we are in some cafe bar, but next to the street we were on previous bubble. I could see it thru these windows. One of the character talked about going to the New Zealand and I wanted to go, too. The bubble has changed again: now I was walking on the desert toward the “New Zealand”. As I looked to the sky, I saw a few silver birds and suddenly, some huge bug ran on the sky like an airplane. This made me lucid and I used it to look for my hands and to isolate other objects in my attention.

Doing this method has definitely put some interest in finding various solutions of presenting the dream bubble onto 2-dimensional area. I get occupied with dreams daily and some sort of connection is made, rather than just to wait for something to happen by itself.

Also, the childhood house is not in that frequent in my dreams any more, but the present apartment which, in real, is very close to the C-house.

This is still a big problem for me. The mirror position of the North and South is for now, only evident in a “sense” for the landscape in a dream. For instance, I live on the coast and in real, the sea is located South in regard to the C-house. But in the dream, when I turn my face toward the sea – I have a strong sensation that I’m looking North and can’t get rid of this feeling. Also, all of my dreams with the sea give sensations as North, never South (as it is in real).

The other examples are related to the industrial zones which are located on the lower part of the map, never upper. In order to get out of these zones I must go to the “brighter” parts of the map, that is, toward the center of the city – up! In real, industrial zones (factories, warehouses, etc) are located on the North.

Also, there is one street, which in dreams presents the last end of the city. This street is North-East in real and some 30 years ago it really was the last asphalted street in that area. Today, there is the whole city above that street, but, in dreams it still holds the last point position (or “the last bus station) and it is North on the map.

These are only examples which I could give so far in regard these mirror N/S relations on the map.

Within one bubble it is hard to relate any position at large (N/S/E/W), mostly because there is no reference point, except comparison with the place in real. For example: there is no way to locate the position of the desert from the third bubble on above example. A real question is, where could this desert be on the map? :-)

Till I learn how to deal with this problem, I usually place bubbles using intuition or feeling, or where they are located in real. Sometimes, I just place it anywhere in the map, no matter what.

My map is pretty large now (A4 x 9 pages), but still, there is a problem – I don’t have any more room in it to put new bubbles! A huge amount of them is placed in there already and it keeps growing. I’m not sure how shall I resolve this difficulty, especially, since recently my dream-bubbles started to “get bigger”. This means that the areas in which dreams are happening are growing without bubbles changing into something else. Also, they very often continue themselves on the dream which happened some other night.

I’m thinking to make another map – identical to this one. In there, I would put only places, zones, landscapes, to which I keep coming back – I dream them over again, and they are more-or-less the same – keeping their appearance solid in each dream. There are several of such a places, usually within the center of the City or around the C-house/present apartment. Not sure about this yet. Some advices would be appreciated, thanx :-)

One of the most amazing effects(or result)  of this practice are these memory “kicks” of my very old dreams. They come in waves and are very fast – just like a flash-light! They are most “aggressive” while I make current bubbles and putting them on the map; usually are connected with the following bubble or are stringed with the area somehow. This is really amazing feeling :-)

Also, they appear when I practice recapitulation. If I recap some old event, or part of my life, these memories appear in strong waves and I’m able to recap all dreams which I have had about that particular event. Interesting part here is that these flashbacks sometimes resolve how something used to look in the distant past; i.e. parts of the city (in real) which are now changed, rebuilt, etc.

They sometimes hit in everyday activities, too, like at work, on the street, or while I practice tensegrity or hatha yoga.

I do not know what should I do with them. I tried to draw bubbles out of them and put them into the map, as well. But, this appeared to be a huuuge work and soon would take all available room, much faster. Therefore, I usually just write a footnote beside the bubble that there were some old dreams memory here.

Indeed, what should I do with these huge amounts of memory data that overwhelms me?

Unfortunately, I’m unable to isolate transits yet. Sometimes, I remember things in the dream, objects or landscapes which I could identify as responsible for changing bubbles, but this is rare. Most of the time I remember it was my intent to go somewhere which provoked the bubble to change. All of these dream-bubbles are actually just ordinary dreams, lucidity is presented in very rare occasions. Same goes with the positions of the each bubble within the same transit: I can’t really say where is this next bubble in regard to the previous one, are they next to each other or far away on the map. This still waits for me to discover.

I believe that real possibility for me to check where was the previous bubble (to simply turn back and see) lies only in total lucidity or controlled dream. Same goes with transits and orientation. Also, there is a problem in lack of information available for me to read in english. This is unfortunate, but in time, I hope to learn things by myself and in meanwhile search for all available data about this method and slowly translate them.



Other guys answer:

I speak English a little, so I’ll try to help you some.
About orientation of bubbles – I remember an advice from DH site by SI or Iveta, it was said that you may try to feel/imagine where your home is situated in relation to your current position and how far. And then use this feeling to place the bubble on the map.

About transits. Transit can move you very far from your previous position so you better don’t connect bubbles when you are transited from one to the next one. Maybe only if you walk on foot from one to another so you are sure they touch each other…

There is only one desert on my map (but it may be different for you). It is west (left) of the City after some forest. West of it there is river which runs from north to south (south is up on my map) then in the southwest corner it turns to the east and runs almost all length of the map, I think (never checked it). There is also railway road which is located in the desert and runs roughly parallel to the river.
Of course there are wide unopened spaces on my map so maybe there IS more than one desert Smiley/Улыбается I’m not 100% sure…

The main goal of dream cartography is accumulation of second attention. As you already understanded, your map of dream relief permanently transformed. When you will accumulate critical mass of descriptions of different places, you will need to reveal their common properties: you’ll see you deal with descriptions of the same bubbles. These common properties by which different descriptions unite into the same bubbles do not mean close positions on the map or similarity of landscape or something like that but the context of situation, events happening with you at this place. For example in some bubbles you are being chased by someone, in others you find unusual things (artifacts) or restore health… Try to unite bubbles using such characteristics. Don’t give serious attention to people or other sprite characters, you would only scatter your concentrated attention. When you accumulate critical mass of attention and learn to orient easily in your dream world you’ll understand why dreamhackers advise to do it that way.

About cardinal directions, try to look for borders made by rivers, mountains and compare them to daylife reality (or rather to landscape of the world you perceived in childhood). One more trick, carry with you a compass. Daylife reality is also composed of bubbles of perception but connected harder with each other. And in dreams remember about a compass or imagine it, it will show you exact direction.

We have a program for cartography but the problem with russian interface only. If you can find programmers working with Microsoft Visual C++ and experienced in participating multiple-developer projects at we can put source code there and translate interface to European languages.

You asked many questions, we will not hurry but will try to answer every accurate and concrete question Smiley/Улыбается

Okay, I’ll add a bit. Maybe someone will translate… shuffle

Ovdeto, at your stage of cartography you shall find the luminance. There are 8 places where you’ve left it, or it was taken from you.
1st place:
An isle, covered with reed; there you go with water up to your knee, and monsters are crowding nearby under the water. When you reach the middle of the isle and find something, that only you know, you will feel a huge wave of energy. Everything will ring and sing inside you. This is how a man feels the return of his luminance. This euphoria will remain within you after you wake up. You will shine like the sun during the whole three or four days, until your everyday activities will steal your extra energy, until the voloder. But after that you will never fear one under you. You will solve one global prenatal problem.
2nd-5th places:
Corners of your dreams map. There they will wait for you – the guards of the castles, dungeons, etc. They look threatening, but are kind inside. If you deal with them, you will solve your other prenatal fears: to be squished (Claustrophobia? No, something similar), to be torn, etc.
6th place: It’s a high mountain in the north of your map. There will be giant gates, which will open in front of you, and there will be a chasm next to it. You don’t have to jump  xbi But it is the exact place where a piece of your luminance is. The place is called The Gates of Heroes…

… Because after that you are not just to rescue, but to capture the pieces of your luminance left.

7th place: the jail (giant computer, or deep labyrinth). This place is always different, but the outlines remain the same. You have to get inside a very dangerous place. Dream Hackers have developed a technique of getting there. Nobody does it for the first time (© Matrix). You have to go there for a few times. This is the only way to understand the plan, that one hacker – Tambow has made. And it is the only way to get your luminance back.
8th place: a bridge in the south-east corner of your map. The way to pass it was described by Sergei Izrigi. This is the final piece of the path to freedom – the point, where voloders will stand against you. They will eat and burn you, they will bring you to horror, but there you will feel the shank of will that will throw them away. And only after that they will let you go. After that you will be free to leave the isle of tonal and travel to other worlds, like our one.

Good luck to you, brother.

8 excellent tips on personal finance for college students

Students who go to college are often full of confidence and believe that they have their lives under control. However, once they realize that they are far from their parents’ safe places and by themselves to balance their own budgets, many college students begin to panic and wonder how they are going to manage their own money.

students loans

While college students are by definition independent adults, many still have very childish views of the world, especially when it comes to personal finances. As they adapt to being adults away from the constant guidance and protection of their parents, college students can benefit from learning several important money lessons.

Get a job

A student can afford to receive student loans and subsidies to pay for college. In fact, that individual may have hundreds of dollars left over after their classes and books have been paid and deducted from the total prize amount. Even so, that person would do well to realize that excess financial aid for students is not a reliable source of income. In fact, it should not even be considered as income, but rather as a nest of eggs that must be repositioned and used in case of emergency. Income from a job, even a part-time job, apparently low-grade, is more reliable than the dispersed student assistant. When he or she arrives at the university for the first time, that person must get a job immediately.

Live with a budget

It can be very tempting to buy anything and everything you see in local stores and student unions. However, like their parents, college students must quickly learn to live on a budget. They should make a list of their expenses each month and how much money they have left after these bills are paid. That extra amount should be the amount they live in instead of the total amount they earn or earn each month.

Save money

Opening a savings account is something that most college students do not contemplate. They are too tempted to spend their excess cash and then wait for the next amount of money to be sent or deposited in their student bank accounts. However, saving while you are in college can help students learn an important lesson for a lifetime. Savings are vital to a person’s financial health. Saving 10% of your money while you are in college can provide you with money to live during emergencies, pay unexpected expenses or start early to save for a house or a retirement.

Show restriction with credit cards

College students are bombarded with new credit card offers once they arrive at school. However, they would do well to realize that they will not need more than one or two credit cards at their disposal. Having too many cards can accumulate the amount of debt you owe and put stress on your personal budgets. They can also sink their credit ratings. Having one or two credit cards and using them in moderation can help them build solid credit scores and allow them access to credit in the future.

Buy wisely
Despite having a meal plan in the dormitory or in the union, most students still do a fair amount of grocery shopping on their own. Buying impulsive items and expensive name brands can be tempting. However, buying things for sale and staying within an established supermarket budget can help students increase their budget and save money for later.

To invest

It’s never too early to start investing. College students have a great opportunity to establish themselves as financial powers from the start if they take advantage of the opportunity to invest while in college. Buying CDs at your student bank, investing in low-cost mutual funds or even setting up an IRA can be a great way to learn how to invest and start generating money for the future. Few things look more impressive in a young person’s mortgage application than the fact that he or she has been investing for years before applying for a mortgage loan.

Buy life insurance

Your parents can already have insurance policies on them. Even so, college students must buy their own life insurance policies while they are at school. These policies will be much cheaper because these people are young, healthy and less likely to be involved in bad habits such as smoking. These policies can also be used later in life if they need to borrow money against their policies for emergency expenses.

Learn financial self-sufficiency

Most college students ask for money from mom and dad from time to time. However, falling into a regular pattern of borrowing or borrowing money is detrimental. Students must learn to be self-sufficient and avoid borrowing money that they may not be able to afford later.

These financial lessons are vital to the financial well-being of a college student. Learning these steps in advance can help you become a responsible and fiscally successful adult.

7 consejos útiles para ahorrar dinero en comestibles

Si hay algo por lo que se conoce a los filipinos, es cómo siempre ponemos a la familia primero. Mientras que los países como los Estados Unidos esperan que los adultos jóvenes abandonen el nido, la mayoría de los filipinos prefieren quedarse con la familia si se les da la oportunidad.


Claro, siempre es un privilegio vivir cerca de tus seres queridos. Pero no siempre es sol y arcoiris. Después de todo, con una gran familia, vienen mayores responsabilidades.

Además de las facturas eléctricas y otras facturas de servicios públicos, sus compras también le quitarán una gran parte de su presupuesto, especialmente si tiene más estómagos para llenar.

Pero independientemente de si vive solo o con su familia, a continuación encontrará siete maneras de ahorrar dinero en su próxima compra.

Obtenga más información en

1. Planifique sus comidas con anticipación.

Cobrar en el supermercado sin ninguna pista sobre lo que se compra es la raíz del gasto excesivo. Afortunadamente, esto se puede evitar fácilmente creando un plan de comidas semanal.

Pero antes de pensar en lo que quieres comer, considera mirar primero lo que está actualmente en oferta. Esto evitará que busque alternativas que pueden exceder su presupuesto en caso de que el ingrediente que necesita no esté disponible.

Si compra en los principales supermercados como el Robinsons Supermarket o Walter Mart, puede consultar su catálogo electrónico o tienda en línea para verificar qué hay disponible.

2. Compre no más de una vez a la semana.

Para evitar aún más las compras impulsivas y ahorrar dinero en gasolina, conviértase en un hábito comprar no más de una vez a la semana. Idealmente, esto debería coincidir con una actividad familiar semanal, como ir a la iglesia o salir a comer fuera.

Solo tenga cuidado cuando traiga a sus hijos. A menos que seas inmune a sus llantos, evita caminar hacia los chocolates o las islas de helados. De lo contrario, considere pedirle a su cónyuge que los recorra mientras hace las compras.

Si puedes hacerlo una vez cada dos semanas, mejor. Sin embargo, un rápido viaje a la tienda de comestibles una vez por semana le permite comprar frutas y verduras frescas, y comer de forma más saludable.

3. Aproveche las promociones.

Cuanto más se apegue a su rutina de compras y su presupuesto, más fácil será mantener el hábito a largo plazo. Sin embargo, no hay nada de malo con un poco de flexibilidad, especialmente si esto significa tomar ventaja de las promociones y otros eventos de la tienda.

Una estrategia es buscar anuncios en los sitios web de los supermercados antes de volver a escribir su plan de comidas semanal.

Alternativamente, puede seguir sus cuentas oficiales en las redes sociales como Facebook o Twitter para que nunca se pierda una actualización tan pronto como se publiquen.

4. Compare precios.

Mientras lo hace, también debe comparar los precios de los productos ofrecidos por diferentes tiendas. Claro, la diferencia de precio puede parecer insignificante en el papel, pero incluso una pequeña cantidad significa mucho si se mira la imagen más grande.

También es importante tener en cuenta la distancia entre usted y los supermercados en cuestión. Esto lo ayudará a ahorrar aún más dinero en gas o transporte público.

5. Use las aplicaciones de la lista de compras.

Para facilitar la compra y la planificación de comidas, aproveche las aplicaciones de la lista de compras como “Out of Milk”. Hacerlo puede hacer que la actividad sea un poco más divertida e interesante. También puede ayudarlo a organizar sus productos de supermercado de acuerdo con cualquier categoría o lista.

Por ejemplo, para ayudarlo a cumplir con su plan de comidas, puede usar la aplicación para crear listas de alimentos por separado los lunes, martes, miércoles, etc.

6. Busque los sustitutos.

Mientras construye su lista de compras para la semana, esté atento a alternativas más económicas que los productos alimenticios de marca.

Por supuesto, la calidad es primordial cuando se trata de comida. Pero a veces, la diferencia de calidad entre una marca cara y una más cara no es suficiente para justificar el precio más alto. Es por eso que debe comenzar por revisar su recibo de comestibles anterior y subrayar los productos más caros.

7. Aprovecha las tarjetas de fidelidad.

Los principales supermercados en la actualidad ofrecen tarjetas de fidelidad para recompensar a sus clientes habituales. No solo pueden ofrecer descuentos, sino que también ofrecen muchos otros beneficios, como regalos y servicios de valor agregado.

También son bastante fáciles de solicitar: simplemente busque el servicio de atención al cliente y solicite ayuda. Investigue o aprenda más sobre los programas de lealtad en establecimientos filipinos populares.

¿Perdimos una estrategia crucial para ahorrar dinero? Háganos saber en los comentarios a continuación. Finalmente, ayude a difundir la conciencia financiera compartiendo o twitteando sobre esta publicación.