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#62983 - 02/22/03 06:13 AM
Re: Frivolity - BOL and McDonalds?
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Power Poster
Joined: Aug 2002
Posts: 7,353
Anchorage Alaska
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I always wonder about the "Value" in supersize considering the costs of paper towels to clean up the mess, upholstry cleaner, and of course, dry cleaning when they hand me a bucket so full of soda it slops over the side after the lid has been squeezed down on the dang thing.  Do you think MackyD's also own's a string of auto detail/dry cleaning shops?
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Dawn Coursey VP/CRA Queen
CRA Rating is in...Oh who cares...I'm home with the baby.
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#62984 - 02/22/03 07:21 AM
Re: Frivolity - BOL and McDonalds?
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Power Poster
Joined: Jun 2001
Posts: 8,272
Where the heart is
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Quote:
Do you think MackyD's also own's a string of auto detail/dry cleaning shops?
If not - they should!
Frankly, I wish they would offer a "lite" meal consisting of the small burger, small salad with at least one slice of tomato, small drink, and small non-fat yogurt parfait. I tried to send that suggestion to MickyD, but apparently, they refuse any and all suggestions that don't come from "internal" sources. Too bad - I'd be willing to fork over $4.00 for the combo. I'm just sick of mega fries!
I also hate the fact that most "breakfast" combos come with that ubiquitous slab of "hash browns", repleat with enough dripping oil to fuel a small compact car for at least a week. I wish instead I could just get the breakfast sandwhich with a small coffee and small juice, hold the congealed potatoes please!
Speaking of business ideas, I think places such as Kinko's and Mail Boxes, etc. could do a land office business by offering industrial shredding for so many cents per pound. Think of it - all you need is a tree chipper, a plastic collar around the opening for safety, and you'd probably have a line out the door of folks with shopping bags full of documents containing confidential personal information to be shredded.
Personally, I'm really starting to resent having to feed 75% of the contents of my mail box into my personal shredder at the rate of 5 pages at a time (not counting the fact that every 5 minutes, I have to empty the darn thing.)
And yes - I do find errant strips of shredded documents every which way throughout my house. My cat thinks they're GREAT fun! 
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CRCM,CAMS
Regulations are a poor substitute for ethics.
Just sayin'
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#62985 - 02/22/03 07:26 AM
Re: Frivolity - BOL and McDonalds?
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Power Poster
Joined: Jun 2001
Posts: 8,272
Where the heart is
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Dawnie, I meant to tell you, and please don't take this the wrong way....BUT... Your latest virtual representation looks a LOT like a Furby! Yes - the ever chattering, can't-you-get-that-&*^%-thing-to-shut-up! Furby! eGads! 
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CRCM,CAMS
Regulations are a poor substitute for ethics.
Just sayin'
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#62986 - 02/22/03 02:39 PM
Re: Frivolity - BOL and McDonalds?
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Anonymous
Unregistered
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Wow - y'all chat thru the night, do ya? And McDonalds as the key subject. I think that needs to become a whole new forum  Maybe a new forum called "frivolity" should be established for those times when the boredom I call "banking" needs to be shelved.
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#62988 - 02/22/03 06:28 PM
Re: Frivolity - BOL and McDonalds?
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Anonymous
Unregistered
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I think maybe that is why Dawnie talks about wine so much - drink enough and those compliance nightmares go away.
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#62989 - 02/23/03 12:09 AM
Re: Frivolity - BOL and McDonalds?
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10K Club
Joined: Dec 2002
Posts: 40,766
Turnpike Exit 10
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And so what about those parents who let their children
get so fat?? The parents should be put in jail...
So poor Micky Dee is heading up the river becaue the parents have no control... how pathetic is that?
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Get your facts first, then you can distort them as you please. - Mark Twain
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#62991 - 02/23/03 01:58 AM
Re: Frivolity - BOL and McDonalds?
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Power Poster
Joined: Aug 2002
Posts: 7,353
Anchorage Alaska
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Mine was on the actual time unfortunately. I worked way too late that night! And yet the LR still calls me back today dang it. So my big eyed kittie looks like a furby? Humm I'll have to look for anothe pic while I'm avoiding work later tonight. I tried, drinking enough wine won't make the LR go away, but it does put me to sleep eventually, instead of dreaming of type ones and twos and non-profits... ::WHIP:: OK, work calls! 
_________________________
Dawn Coursey VP/CRA Queen
CRA Rating is in...Oh who cares...I'm home with the baby.
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#62998 - 02/24/03 12:55 AM
Re: Frivolity - BOL and McDonalds?
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Power Poster
Joined: Jun 2001
Posts: 8,272
Where the heart is
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Quote:
Bonnie, this is my desk during HMDA season.
And the bad part for ME is, since I'm also INFORMATION SECURITY Officer, I have to set the example in LOCKING all of this *&%% paper up every night!!!!
The reason I really hate HMDA so much is that it makes NO FREAKIN' sense whatsoever for a bank like ours to be reporting!!! HMDA becomes such a major pain in the butt for me because we do so few reportable loans that I am always scrambling to round them up. I still maintain that if a NON-DEPOSITORY lender can make 100 purchase money/refi loans (I think that's still the number) before they must report, WHY can't banks have the same threshold??
We are not a mortgage lender, and we do no advertising for consumer loans, so it's the odd application off the street, or the accomodation loans that are reported. Do the 20 or so odd loans I report really make a hill of beans worth of difference? We usually get one or two refi loans that hook us into HMDA for the next year. And they are always odd-situation refis.
Dawnie - as for that scrubbing, my MAIN headaches on the CRA loans is making sure I get the correct address for geo-coding, and making sure I get the correct GAR figure. The problem with the address is that the address in the system is NOT always the address we should be using. Sometimes it is, sometimes the system address is the CPA's address, sometimes it's the business owner's home address because he/she doesn't want the mail going to the factory, you name it - I'm chasing after it. (We need an emoticon for MAJOR headache!) 
_________________________
CRCM,CAMS
Regulations are a poor substitute for ethics.
Just sayin'
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#62999 - 02/24/03 01:11 AM
Re: Frivolity - BOL and McDonalds?
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Power Poster
Joined: Aug 2002
Posts: 7,353
Anchorage Alaska
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Most common two errors, revenue code and a reliable source for address of property in the file. My revenue codes are always a pain in the bumm but I work them so hard I know I submit with less than 1% errors...but what that means is I spend this entire month verifying, scrubbing and nagging. Makes me a lovely person. It was suggested to my regulator that I attempt to get lending to record the correct address in the same location in every file (My chosen option is our Loan Information Sheet-LIS). WHile they do get the right address most of the time on the CRA file, verifying it is a nightmare. We just re-did the LIS online with flashing lights on the address area...hope it helps. I wish our lenders faced penalties like at my old bank, I might spend less time here in February if they did. To add to my fun Bonnie...I found a boatload of non-profits that were listed type one. GRRRR more work for Dawnie  I'm going to start drinking on the job soon (more than just diet pepsi) On the bright side, I took first place in the Petro Club Cribbage Tourney yesterday afternoon (took a few hours of break from CRA) I can barely see my pretty thophy under the stacks of files but I know it's somewhere around here.
_________________________
Dawn Coursey VP/CRA Queen
CRA Rating is in...Oh who cares...I'm home with the baby.
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#63000 - 02/24/03 03:01 AM
Re: Frivolity - BOL and McDonalds?
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Power Poster
Joined: Nov 2001
Posts: 6,719
PA
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Quote:
Now what we all want to know is if you researched that...or you had all that information in your head Jac
Sadly, I didn't have to do any research to find that information. And to share more useless fast-food information from my head- McDonalds was the first to 'Super Size' the value meals. But in the beginning, they called it 'Dino Sizing,' while promoting Jurassic Park II.
And Andy, I had waaaaay too much fast food in my bachelor days, but fortunately, that is no longer the case
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#63001 - 02/24/03 06:03 AM
Re: Frivolity - BOL and McDonalds?
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Power Poster
Joined: Jun 2001
Posts: 8,272
Where the heart is
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Quote:
It was suggested to my regulator that I attempt to get lending to record the correct address in the same location in every file (My chosen option is our Loan Information Sheet-LIS). WHile they do get the right address most of the time on the CRA file, verifying it is a nightmare. We just re-did the LIS online with flashing lights on the address area...hope it helps.
I WISH our data processing system had a field for "CRA Address." I actually have a Data Processing system "Wish List" for CRA that I did a few years back. Problem was, everyone's attention (and money) was being spent erradicating that nasty Y2K bug, so there was NO HOPE of getting any expanded fields for CRA.
If the loan is coded a a real estate loan, then I go to the collateral description and pull up the address. It's still a manual process to correct because the collateral description is not parsed out for geo-coding. But the NON real estate deals - **ugh** that's the pain.
And I have actually printed out my entire LAR, loan by loan with the names so I can spot any of those sneaky non-profits! I also look for addresses that appear to be residential rather than business. I then double check those to make sure we aren't simply using the business owner's home address for mailing statements. I cross check Class Codes, Collateral Codes, Purpose Codes, Revenue vs. Loan Size, and look for loans over $1MM, or any other "non-type-01" loans that are candidates for Community Development.
I've gone to meetings with my LAR print-out and ruler in hand. While top brass goes on and on about stuff, I sit there and check off the thing ONE LOAN AT A TIME!
And people wonder why I'm so b^*#%y lately.
_________________________
CRCM,CAMS
Regulations are a poor substitute for ethics.
Just sayin'
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. Thank you BOL for the little oasis in this mess. 
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