Art and Music Journey Perceptive Readers 4u

Pocbooks.com
Pocbooks.com
Art and Music Journey Perceptive Readers 4u
/

In this Perceptive Readers 4u episode we discuss the following

Social Media Sharing Thursday Pick

And

Art and Music Journey in The Mind

Enjoy and share if you like it! Thank you

What You Do With Knowledge Part 2

Pocbooks.com
Pocbooks.com
What You Do With Knowledge Part 2
/

Perceptive Readers Podcast 4d

What You Do With Knowledge Part 2

Story Mode with the Author as the narrator

The Product of Culture website! pocbooks.com “Much More Than Books”

Hi. My name is James Lynch. I am an author, writer, and vendor of intriguing creativity. The Product of Culture website. Where the writings, professionals, artists, and musicians featured here are more than meets the eye and ear for perceptive tips, recreation, and music! This website also has a collection of digital and audio books. Listen to the Perceptive Readers intriguing PODCAST!

For 5 Tokens Unlock the Book.Read The: Life and Times of Baby Lucas

https://www.minds.com/POCJL/blog/life-and-times-of-baby-lucas-i-m-alive-and-my-grandpa-esq-vi-975161874085158912

Be sure to share this Perceptive Readers Podcast 4d.

Categories
Article

Art and Music Journey in The Mind

Art and Music Journey Since there is a time for learning, exercise, and work; there is also certainly a time for ( art and music ) play.

This article was originally posted on October 2019.

Art and Music Journey in The Mind

Playing for children often involves high energy of imagination and talking to one another.

Talk about high energy, how about the teenagers? What does your daily routine look like?
In schools around the world, do they still teach art and music courses?
It is expected that when you join a band you will learn music. However, there was a time in some elementary and middle schools you had a certain part of class room time to learn about the basic skills of playing a flute.
The same went for art.
It was not until high school you had to start picking specialized courses if you ever wanted to exercise your creative flow in that way during school hours.

The above is a conversational piece with a coffee shop vibe. As you know, conversations by their very nature are meant to be enjoyed. Conversations do not turn into arguments when there is the spirit of enjoying each other’s company.
Some of us have and will continue to enjoy our discussions over art, literature, and music.

Art and Music Journey

Did you know this about art?

There are three classical branches of Art

I hope these interesting facts will show you what is innately known. That the mind can imaginatively see art in everything and make it materialize literally overtime.
Observe the skills required to proficiently create the following branches of art on a professional or occupational level.

Paintings

Shown in office buildings, restaurants, and homes. The owners of these establishments are dressing up their walls to be inviting and warm to set the tone of the environment. The environment is just as important to understanding what the prospective and perceptive clients are looking for; as well as their personality input. For example, a farmer will probably pass over placing huge buildings to decorate the walls in his home. However, an entrepreneur with dreams of owning a building that size just might say “Exactly what I was looking for!” All the while, you will peak the farmer’s interest with people smiling, lakes, and camping scenes. Do you have such skills with a paint brush?

Sculptures

Are 3 dimensional carvings made into stone, wood, and casting metal. It takes a precision of accuracy and patience IMHO like no other in the arts. It is not an easy thing to recover from the mistakes made and can be quite costly. To this day, Michelangelo (see Sistine Chapel) , has to be one of the most renowned Italian sculptures of all time. Though he was commissioned by Pope Julius II to paint the Sistine Chapel, he made clear in history that he is a sculptor more than a painter. Imagine that? All the same, how did this man create all these stone gems to perfection? He possessed the skills of precision accuracy and patience. Do you have such skills?

Architecture

As referenced with the Sistine Chapel, the paintings on the ceiling walls, people travel from all over the world to see them; the architectural structure is no less aesthetically studied in history books from the renaissance period. Do you understand the art and engineering behind designing such buildings?

Then we have the animating performing arts! Often the ones who are not as skilled with stylus tools can find their place in music and theater. This is to make you aware everyone can find their place in exercising creativity. Have you experienced the joy of creating music or dance?

Speaking of Music

In part two of this article we will explore a couple of instruments and thoughts on music. It has been said more than once by this writer, music is one of life’s pleasures. Really, there are many you will tell you it makes life worth living through the good and tough times! Do you agree? I’m confident that the students visiting this website are in agreement with that last sentence.

So by all means please share this article on your social media accounts and with close friends.
I’m pleased you are enjoying the Product of Culture aka pocbooks.com website & podcast.

Featured Musician Julijana Sarac

PerceptiveReaders · Enliven By Julijana Sarac In Love Commentary

A Poem with the flavor of art

But first, you will also want to check out the product of culture artist pick website:

Seeing beauty at times takes a trained eye.
It is more than just looking up at the sky.
Some can take the easy way out by repeating what everyone has said before.
But in order to be original the ability to see beauty has to go beyond the surface of the door.
The face is just a shield.
What’s inside happens to be the true yield.
It often takes insight and training to see beyond such borders to not go along with the established order.
You don’t have to wait until you are older.
Young in age too can find beauty is in the eye of the beholder.

Art and Music Journey in The Mind Thanks for Caring and Sharing.

Categories
Article

Prince and the Pauper Profound Reading 3

Welcome to The Prince and the Pauper Profound Reading 3 Fundamental Reading

Here was Chapter 2. Enjoy chapter 3 of this series.
James’ Commentary Opening

Just how many roles do you carry out in a single day?

When I smell homemade cookies in your kitchen, my nose tells me you are a baker.

Children will tell another story of how you bandaged their scrapes and kissed their boo, boos as a doctor.

Friends and coworkers may relate what a brilliant scientist/mechanic you are by using ingenuity to fix appliances and cars.

Just think. You are able to carry out all these roles without wearing the uniform of a chef’s hat or lab coat.

The Prince and the Pauper Fundamental Reading

The Prince and Pauper

Author Mark Twain

Public Domain Literature (Published in 1881-82)

A story that has been told and written over the years about a prince. And a pauper; a very poor person.
Chapter 3 The Prince and the Pauper

Our repast is in the trees.

Another description for food dining is repast.

Tom got up hungry, and sauntered hungry away, but with his thoughts busy with the shadowy splendours of his night’s dreams. He wandered here and there in the city, hardly noticing where he was going, or what was happening around him. People jostled him, and some gave him rough speech; but it was all lost on the musing boy. By-and-by he found himself at Temple Bar, the farthest from home he had ever travelled in that direction. He stopped and considered a moment, then fell into his imaginings again, and passed on outside the walls of London. The Strand had ceased to be a country-road then, and regarded itself as a street, but by a strained construction; for, though there was a tolerably compact row of houses on one side of it, there were only some scattered great buildings on the other, these being palaces of rich nobles, with ample and beautiful grounds stretching to the river—grounds that are now closely packed with grim acres of brick and stone.

Tom discovered Charing Village presently, and rested himself at the beautiful cross built there by a bereaved king of earlier days; then idled down a quiet, lovely road, past the great cardinal’s stately palace, toward a far more mighty and majestic palace beyond—Westminster. Tom stared in glad wonder at the vast pile of masonry, the wide-spreading wings, the frowning bastions and turrets, the huge stone gateway, with its gilded bars and its magnificent array of colossal granite lions, and other the signs and symbols of English royalty. Was the desire of his soul to be satisfied at last? Here, indeed, was a king’s palace. Might he not hope to see a prince now—a prince of flesh and blood, if Heaven were willing?

At each side of the gilded gate stood a living statue—that is to say, an erect and stately and motionless man-at-arms, clad from head to heel in shining steel armour. At a respectful distance were many country folk, and people from the city, waiting for any chance glimpse of royalty that might offer. Splendid carriages, with splendid people in them and splendid servants outside, were arriving and departing by several other noble gateways that pierced the royal enclosure.

Poor little Tom, in his rags, approached, and was moving slowly and timidly past the sentinels, with a beating heart and a rising hope, when all at once he caught sight through the golden bars of a spectacle that almost made him shout for joy. Within was a comely boy, tanned and brown with sturdy outdoor sports and exercises, whose clothing was all of lovely silks and satins, shining with jewels; at his hip a little jewelled sword and dagger; dainty buskins on his feet, with red heels; and on his head a jaunty crimson cap, with drooping plumes fastened with a great sparkling gem. Several gorgeous gentlemen stood near—his servants, without a doubt. Oh! he was a prince—a prince, a living prince, a real prince—without the shadow of a question; and the prayer of the pauper-boy’s heart was answered at last.

Tom’s breath came quick and short with excitement, and his eyes grew big with wonder and delight. Everything gave way in his mind instantly to one desire: that was to get close to the prince, and have a good, devouring look at him. Before he knew what he was about, he had his face against the gate-bars. The next instant one of the soldiers snatched him rudely away, and sent him spinning among the gaping crowd of country gawks and London idlers. The soldier said,—

“Mind thy manners, thou young beggar!”

The crowd jeered and laughed; but the young prince sprang to the gate with his face flushed, and his eyes flashing with indignation, and cried out,—

“How dar’st thou use a poor lad like that? How dar’st thou use the King my father’s meanest subject so? Open the gates, and let him in!”

You should have seen that fickle crowd snatch off their hats then. You should have heard them cheer, and shout, “Long live the Prince of Wales!”

The soldiers presented arms with their halberds, opened the gates, and presented again as the little Prince of Poverty passed in, in his fluttering rags, to join hands with the Prince of Limitless Plenty.

Edward Tudor said—

“Thou lookest tired and hungry: thou’st been treated ill. Come with me.”

Half a dozen attendants sprang forward to—I don’t know what; interfere, no doubt. But they were waved aside with a right royal gesture, and they stopped stock still where they were, like so many statues. Edward took Tom to a rich apartment in the palace, which he called his cabinet. By his command a repast was brought such as Tom had never encountered before except in books. The prince, with princely delicacy and breeding, sent away the servants, so that his humble guest might not be embarrassed by their critical presence; then he sat near by, and asked questions while Tom ate.

“What is thy name, lad?”

“Tom Canty, an’ it please thee, sir.”

“‘Tis an odd one. Where dost live?”

“In the city, please thee, sir. Offal Court, out of Pudding Lane.”

“Offal Court! Truly ’tis another odd one. Hast parents?”

“Parents have I, sir, and a grand-dam likewise that is but indifferently precious to me, God forgive me if it be offence to say it—also twin sisters, Nan and Bet.”

“Then is thy grand-dam not over kind to thee, I take it?”

“Neither to any other is she, so please your worship. She hath a wicked heart, and worketh evil all her days.”

“Doth she mistreat thee?”

“There be times that she stayeth her hand, being asleep or overcome with drink; but when she hath her judgment clear again, she maketh it up to me with goodly beatings.”

A fierce look came into the little prince’s eyes, and he cried out—

“What! Beatings?”

“Oh, indeed, yes, please you, sir.”

“BEATINGS!—and thou so frail and little. Hark ye: before the night come, she shall hie her to the Tower. The King my father”—

“In sooth, you forget, sir, her low degree. The Tower is for the great alone.”

“True, indeed. I had not thought of that. I will consider of her punishment. Is thy father kind to thee?”

“Not more than Gammer Canty, sir.”

“Fathers be alike, mayhap. Mine hath not a doll’s temper. He smiteth with a heavy hand, yet spareth me: he spareth me not always with his tongue, though, sooth to say. How doth thy mother use thee?”

“She is good, sir, and giveth me neither sorrow nor pain of any sort. And Nan and Bet are like to her in this.”

“How old be these?”

“Fifteen, an’ it please you, sir.”

“The Lady Elizabeth, my sister, is fourteen, and the Lady Jane Grey, my cousin, is of mine own age, and comely and gracious withal; but my sister the Lady Mary, with her gloomy mien and—Look you: do thy sisters forbid their servants to smile, lest the sin destroy their souls?”

“They? Oh, dost think, sir, that THEY have servants?”

The little prince contemplated the little pauper gravely a moment, then said—

“And prithee, why not? Who helpeth them undress at night? Who attireth them when they rise?”

“None, sir. Would’st have them take off their garment, and sleep without—like the beasts?”

“Their garment! Have they but one?”

“Ah, good your worship, what would they do with more? Truly they have not two bodies each.”

“It is a quaint and marvellous thought! Thy pardon, I had not meant to laugh. But thy good Nan and thy Bet shall have raiment and lackeys enow, and that soon, too: my cofferer shall look to it. No, thank me not; ’tis nothing. Thou speakest well; thou hast an easy grace in it. Art learned?”

“I know not if I am or not, sir. The good priest that is called Father Andrew taught me, of his kindness, from his books.”

“Know’st thou the Latin?”

“But scantly, sir, I doubt.”

“Learn it, lad: ’tis hard only at first. The Greek is harder; but neither these nor any tongues else, I think, are hard to the Lady Elizabeth and my cousin. Thou should’st hear those damsels at it! But tell me of thy Offal Court. Hast thou a pleasant life there?”

“In truth, yes, so please you, sir, save when one is hungry. There be Punch-and-Judy shows, and monkeys—oh such antic creatures! and so bravely dressed!—and there be plays wherein they that play do shout and fight till all are slain, and ’tis so fine to see, and costeth but a farthing—albeit ’tis main hard to get the farthing, please your worship.”

“Tell me more.”

“We lads of Offal Court do strive against each other with the cudgel, like to the fashion of the ‘prentices, sometimes.”

The prince’s eyes flashed. Said he—

“Marry, that would not I mislike. Tell me more.”

“We strive in races, sir, to see who of us shall be fleetest.”

“That would I like also. Speak on.”

“In summer, sir, we wade and swim in the canals and in the river, and each doth duck his neighbour, and splatter him with water, and dive and shout and tumble and—”

“‘Twould be worth my father’s kingdom but to enjoy it once! Prithee go on.”

“We dance and sing about the Maypole in Cheapside; we play in the sand, each covering his neighbour up; and times we make mud pastry—oh the lovely mud, it hath not its like for delightfulness in all the world!—we do fairly wallow in the mud, sir, saving your worship’s presence.”

“Oh, prithee, say no more, ’tis glorious! If that I could but clothe me in raiment like to thine, and strip my feet, and revel in the mud once, just once, with none to rebuke me or forbid, meseemeth I could forego the crown!”

“And if that I could clothe me once, sweet sir, as thou art clad—just once—”

“Oho, would’st like it? Then so shall it be. Doff thy rags, and don these splendours, lad! It is a brief happiness, but will be not less keen for that. We will have it while we may, and change again before any come to molest.”

A few minutes later the little Prince of Wales was garlanded with Tom’s fluttering odds and ends, and the little Prince of Pauperdom was tricked out in the gaudy plumage of royalty. The two went and stood side by side before a great mirror, and lo, a miracle: there did not seem to have been any change made! They stared at each other, then at the glass, then at each other again. At last the puzzled princeling said—

“What dost thou make of this?”

“Ah, good your worship, require me not to answer. It is not meet that one of my degree should utter the thing.”

“Then will I utter it. Thou hast the same hair, the same eyes, the same voice and manner, the same form and stature, the same face and countenance that I bear. Fared we forth naked, there is none could say which was you, and which the Prince of Wales. And, now that I am clothed as thou wert clothed, it seemeth I should be able the more nearly to feel as thou didst when the brute soldier—Hark ye, is not this a bruise upon your hand?”

“Yes; but it is a slight thing, and your worship knoweth that the poor man-at-arms—”

“Peace! It was a shameful thing and a cruel!” cried the little prince, stamping his bare foot. “If the King—Stir not a step till I come again! It is a command!”

In a moment he had snatched up and put away an article of national importance that lay upon a table, and was out at the door and flying through the palace grounds in his bannered rags, with a hot face and glowing eyes. As soon as he reached the great gate, he seized the bars, and tried to shake them, shouting—

“Open! Unbar the gates!”

The soldier that had maltreated Tom obeyed promptly; and as the prince burst through the portal, half-smothered with royal wrath, the soldier fetched him a sounding box on the ear that sent him whirling to the roadway, and said—

“Take that, thou beggar’s spawn, for what thou got’st me from his Highness!”

The crowd roared with laughter. The prince picked himself out of the mud, and made fiercely at the sentry, shouting—

“I am the Prince of Wales, my person is sacred; and thou shalt hang for laying thy hand upon me!”

The soldier brought his halberd to a present-arms and said mockingly—

“I salute your gracious Highness.” Then angrily—”Be off, thou crazy rubbish!”

Here the jeering crowd closed round the poor little prince, and hustled him far down the road, hooting him, and shouting—

“Way for his Royal Highness! Way for the Prince of Wales!”

The Prince and the Pauper Fundamental Reading 3
People to Remember

Can you imagine the beautiful rooms and furniture?
Edward Tudor
Lady Elizabeth
Lady Jane Grey
Lady Mary
Allow me to Share a Thought

Mark Twain talked with people of different religious and political persuasion. He was courageous in pointing out the ills of society in his writings.

Until next time: Remember, if you read something that improves your life for the better, it becomes your reality.

The Prince and the Pauper Fundamental Reading – Turn the page to Chapter 4

Reading on Snow In Day

Pocbooks.com
Pocbooks.com
Reading on Snow In Day
/

POCBOOKS Update Moment Reading on Snow (Inside) Day
Here is a great way to put your snow in day to use!
Be sure to keep your immune systems built up with fruits, vegetables, and vitamin C whether the days are cold or warm this month. Have a wonderful day.

Welcome Students in March 2020

Pocbooks.com
Pocbooks.com
Welcome Students in March 2020
/

Welcome Students in March 2020 This is a POCBOOKS Update Moment

G’day Teachers and Students. March is often just one of those feeling chipper months. You still have cold and warm days in a lot of locations. So you have short sleeves and sweater weather in this month depending on your body temperature.

Be sure to keep your immune systems built up with fruits, vegetables, and vitamin C whether the days are cold or warm this month of March. Have a wonderful day.

Life and Times Baby Lucas 1

Pocbooks.com
Pocbooks.com
Life and Times Baby Lucas 1
/

Part 1 Life and Times of Baby Lucas A Narrator’s View

Lucas is your average baby, or is he? His adventures will cause you to use the mind and excite the heart! This book is designed to be read in a parental setting to a child. Are you a mother or father? Even babysitters will want to read this book. With perfect timing, you are here for the beginning of Lucas’ life as he gets familiar with his friends and environment.

Categories
Journal

Welcome Students in December 2019

Welcome Students in December

This Article was repaired or refurbished on March 12, 2020. It was originally posted on December 1, 2017 Check the site archive.today for verification of pocbooks.com online presence.

It was only yesterday, it feels like, I was welcoming students and teachers to September.

It is now December and on the 21st of this month, the season of winter starts. If some of you are still walking around with only your favorite cotton short sleeves t-shirt that states, “I’m an original,” at the bus stops, some of us may say to you in 30 degrees weather, does this mean you have to keep your original thoughts on ice because you are so cool?

Let me give you sometime to let that last statement sink in.

How about another second or two.

There you go.

Well, during this “season” there is a lot of gift giving. Whatever and whenever you give a gift, in principle, it should always be from the heart without feeling forced.

One more thought…

It is one thing to feel guilted into giving, it is quite another to be compelled or motivated by love. The latter is the best option. Something we picked up from a “Good Book”

Be safe, Be Kind, and Be thankful always for loved ones. Best Wishes, the Product of Culture website. Welcome Students in December Get the app.

Categories
Article

6 24 Billion Visa and Mastercard Class Action Settlement

6.24 Billion Visa and Mastercard Class Action Settlement.

This Article was repaired or refurbished on March 10, 2020. It was originally posted on April 17, 2019 Check the site archive.today for verification of pocbooks.com online presence.

Dear Perceptive Readers, This is going to be as succinct an article, as possible by me, for you professionals who want to understand the Visa and Mastercard Action Settlement. You may also want to register this as ethical business practices as well.
These 4 questions will be covered

What is a Class Action Settlement?
Did Visa and MasterCard break any laws?
Were you cheated or your rights violated?
Where can you find out more on how to proceed?
Read This Section on Ethics

To prepare your perceptive mind to make a balance decision on this business matter, read and listen to Ethics A and Ethics B

Ethics A) “Ethics: The field of ethics (or moral philosophy) involves systematizing, defending, and recommending concepts of right and wrong behavior. Philosophers today usually divide ethical theories into three general subject areas: metaethics, normative ethics, and applied ethics. Metaethics investigates where our ethical principles come from, and what they mean. Are they merely social inventions? Do they involve more than expressions of our individual emotions? Metaethical answers to these questions focus on the issues of universal truths, the will of God, the role of reason in ethical judgments, and the meaning of ethical terms themselves.” –https://www.iep.utm.edu/ethics/

Ethics B) Do you Understand Communication Ethics Principles? (Video)

VISA AND MASTERCARD CLASS ACTION SETTLEMENT
6.24 Billion Visa and Mastercard Class Action Settlement

This is a proposed $5.54–$6.24 billion settlement to provide payments to merchants who accepted Visa and Mastercard at any time from January 1, 2004.

1) What is a Class Action Settlement?

A class action is a procedural device that permits one or more plaintiffs to file and prosecute a lawsuit on behalf of a larger group, or “class”. – Cornell Law School – https://www.law.cornell.edu/wex/class_action

Just One Example: You own a business, as the innocent plaintiff, that has been hurt by another company’s business practices that violated/broke the law, now the defendant, in their dealings/transactions with you. Your fellow merchants, whether in the same location or country-wide experienced the same treatment.

This is what your experience/complaint results in: “ In a class action, people or businesses sue not only for themselves, but also on behalf of other people or businesses with similar legal claims and interests. Together all of these people or businesses with similar claims and interests form a class, and are class members.”

2) Did Visa and Mastercard break any laws?

This lawsuit is principally about the interchange fees attributable to merchants that accepted Visa or Mastercard credit or debit cards between January 1, 2004 and January 25, 2019, and Visa’s and Mastercard’s rules for merchants that have accepted those cards.

The Rule 23(b)(3) Class Plaintiffs claim that…

3) Were you cheated or your rights violated?

Rule 23(b)(3) Class Plaintiffs claim that Visa & Master Card its respective member banks, including the Bank Defendants violated the law(s) by carrying out the following practice(s):

Violated the law because they set interchange fees.

*They imposed and enforced rules that limited merchants from steering their customers to other payment methods. (E.g no-surcharge rules, no-discounting rules, honor-all-cards rules)

*Conspired together about some of the business practices challenged
• They continued in those activities despite the fact that Visa changed its corporate structure and became a publicly owned corporation after this case was filed.
• Conduct caused the merchants to pay excessive interchange fees
“The Defendants say they have done nothing wrong. They claim their business practices are legal, justified, the result of independent competition and have benefitted merchants and consumers.”
4) Where can you find out more on how to proceed?
Current Status
On January 24, 2019 the Court granted preliminary approval to the settlement filed on September 18, 2018. The Order is available
How do I ask for money from this settlement?
You must file a valid claim to get money from this Settlement. If the Court finally approves the settlement, and you do not exclude yourself from the Rule 23(b)(3) Settlement Class, you will receive a claim form in the mail or by email. If you do not receive a claim form and/or are not sure whether you are part of this settlement, contact the Class Administrator:
Call the toll-free number: 1-800-625-6440
Write to: Payment Card Interchange Fee Settlement, P.O. Box 2530, Portland, OR 97208-2530
Email: info@PaymentCardSettlement.com
Concluding Information
This information is provided to you as an FYI. I very much realize how intelligent you readers are here. Yet, as has been stated, at times the thoroughness of documents made for taxes, court cases, and contracts can be a bit overwhelming for the best of us. Especially with people who have the creative mindset. Though you create complex music and art in general, you like to keep things simple, clean, and honest when it comes to business and professional matters. In general, most people wish such things of this nature could be so simple. All the same, this information is not to tell you what to do, but give you some idea on what it is about. – Regards, J.

6.24 Billion Visa and Mastercard Class Action Settlement.

This Article was repaired or refurbished on March 10, 2020. It was originally posted on April 17, 2019 Check the site archive.today for verification of pocbooks.com online presence.

Dear Perceptive Readers, This is going to be as succinct an article, as possible by me, for you professionals who want to understand the Visa and Mastercard Action Settlement. You may also want to register this as ethical business practices as well.
These 4 questions will be covered

What is a Class Action Settlement?
Did Visa and MasterCard break any laws?
Were you cheated or your rights violated?
Where can you find out more on how to proceed?
Read This Section on Ethics

To prepare your perceptive mind to make a balance decision on this business matter, read and listen to Ethics A and Ethics B

Ethics A) “Ethics: The field of ethics (or moral philosophy) involves systematizing, defending, and recommending concepts of right and wrong behavior. Philosophers today usually divide ethical theories into three general subject areas: metaethics, normative ethics, and applied ethics. Metaethics investigates where our ethical principles come from, and what they mean. Are they merely social inventions? Do they involve more than expressions of our individual emotions? Metaethical answers to these questions focus on the issues of universal truths, the will of God, the role of reason in ethical judgments, and the meaning of ethical terms themselves.” –https://www.iep.utm.edu/ethics/

Ethics B) Do you Understand Communication Ethics Principles? (Video)

VISA AND MASTERCARD CLASS ACTION SETTLEMENT
6.24 Billion Visa and Mastercard Class Action Settlement

This is a proposed $5.54–$6.24 billion settlement to provide payments to merchants who accepted Visa and Mastercard at any time from January 1, 2004.

1) What is a Class Action Settlement?

A class action is a procedural device that permits one or more plaintiffs to file and prosecute a lawsuit on behalf of a larger group, or “class”. – Cornell Law School – https://www.law.cornell.edu/wex/class_action

Just One Example: You own a business, as the innocent plaintiff, that has been hurt by another company’s business practices that violated/broke the law, now the defendant, in their dealings/transactions with you. Your fellow merchants, whether in the same location or country-wide experienced the same treatment.

This is what your experience/complaint results in: “ In a class action, people or businesses sue not only for themselves, but also on behalf of other people or businesses with similar legal claims and interests. Together all of these people or businesses with similar claims and interests form a class, and are class members.”

2) Did Visa and Mastercard break any laws?

This lawsuit is principally about the interchange fees attributable to merchants that accepted Visa or Mastercard credit or debit cards between January 1, 2004 and January 25, 2019, and Visa’s and Mastercard’s rules for merchants that have accepted those cards.

The Rule 23(b)(3) Class Plaintiffs claim that…

3) Were you cheated or your rights violated?

Rule 23(b)(3) Class Plaintiffs claim that Visa & Master Card its respective member banks, including the Bank Defendants violated the law(s) by carrying out the following practice(s):

Violated the law because they set interchange fees.

*They imposed and enforced rules that limited merchants from steering their customers to other payment methods. (E.g no-surcharge rules, no-discounting rules, honor-all-cards rules)

*Conspired together about some of the business practices challenged
• They continued in those activities despite the fact that Visa changed its corporate structure and became a publicly owned corporation after this case was filed.
• Conduct caused the merchants to pay excessive interchange fees
“The Defendants say they have done nothing wrong. They claim their business practices are legal, justified, the result of independent competition and have benefitted merchants and consumers.”
4) Where can you find out more on how to proceed?
Current Status
On January 24, 2019 the Court granted preliminary approval to the settlement filed on September 18, 2018. The Order is available
How do I ask for money from this settlement?
You must file a valid claim to get money from this Settlement. If the Court finally approves the settlement, and you do not exclude yourself from the Rule 23(b)(3) Settlement Class, you will receive a claim form in the mail or by email. If you do not receive a claim form and/or are not sure whether you are part of this settlement, contact the Class Administrator:
Call the toll-free number: 1-800-625-6440
Write to: Payment Card Interchange Fee Settlement, P.O. Box 2530, Portland, OR 97208-2530
Email: info@PaymentCardSettlement.com
Concluding Information
This information is provided to you as an FYI. I very much realize how intelligent you readers are here. Yet, as has been stated, at times the thoroughness of documents made for taxes, court cases, and contracts can be a bit overwhelming for the best of us. Especially with people who have the creative mindset. Though you create complex music and art in general, you like to keep things simple, clean, and honest when it comes to business and professional matters. In general, most people wish such things of this nature could be so simple. All the same, this information is not to tell you what to do, but give you some idea on what it is about. – Regards, J.

Categories
Journal

Welcome Students in September 2019

G’day and welcome students in September; this will be another interesting month and year of reading with enjoyment of visual media.

This Article was repaired or refurbished on March 4, 2020. It was originally posted on September 3, 2019 Check the site archive.today for verification of pocbooks.com online presence.
Welcome Students

The summer here at the Product of Culture website had more maintenance and learning addition technical skills I did not expect in my plans; but we go with the flow the best we can in getting things fixed.

Summer concludes and Autumn Begins
On Monday, September 23, the start of fall will begin. How was your summer? Hopefully, you were able to take vacations or some well-deserved breaks at least.

School Attenders
Remember, a “mind is a terrible thing to waste.” All you young minds of today, it is my hope that you are successful in working through those tough arithmetic problems. Be sure to eat plenty of nuts and berries if such things are available to you.
The important thing to remember is your mind’s body works best when there is a steady flow of high energy nutrients. This does not mean caffeine, even though you know I love my coffee and tea.
Eating fruit and vegetables every few hours is beneficial for your brain, since you are wearing the thinking cap all day long.

What does this mean? Don’t you dare skip eating during lunch! Let me say this again; please don’t skip lunch.

Work hard to have a wonderful and successful school year!
Poem – A circle in a square

As we lay in our cribs,
What is this and what is that?

How do I make the sounds of mom and dad?

As we well past the toddler stage, why can’t I no longer suckle my baby bottle, it can’t be bad?

Stay away from this and stay away from that… Why? why? why? What is the catch?

The teen years go by like a blur, the facts and figures promotes us to say mom, dad, please not another question.

With another puzzled response, every family unit ask, are you sane? That line of reasoning makes me question in the same vein.

Oh come what may look how you have grown.

On graduation day you’ve grown this far, and my oh my you are shinning like a star.

Happenstance, you questioned your heritage, and the parents your sanity, but with the questions answered everything became clear

People long-lived say the only thing that is certain is change.

I say on this day in this frame, questions are a part of life and we should feel free to ask them.

My Dear, Answering questions shows respect and love; in which there is no fear.

Happy Graduation Day!

Welcome students in September