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daverichey1 says...

A friend leased some hunting land years ago, put up some tree stands and ground blinds. As soon as people who knew him learned he had some decent property, his list of newest best friends grew overnight.

Two came to hunt from another part of the state where deer were few, and seeing any buck was great cause for celebration. He did all the work, built blinds, did the preseason scouting and they just came to shoot deer.

He assumed they were hunters. That assumption led him to believe they knew when and where to shoot a deer. That assumption was incorrect.

Running shots at bucks are risky

Each one hunted the first weekend with my buddy. At the end of two days, four deer -- two bucks and two does -- had been wounded and lost. They didn't have Game Trackers on their bows, and all four deer eventually fed the neighborhood coyotes.

They came the next weekend, and my friend presented each with a Game Tracker unit and helped them install it on their bow. You guessed it: they shot and lost four more deer because they wouldn't tie the string behind the broadhead so they could easily recover wounded animals.

"No more," he screamed. "You've lost eight deer in four days of hunting over a two-week period. Either learn when and where to shoot or don't bother to come back. And ... you won't hunt one more day here without using a Game Tracker."

The following weekend he explained the facts of life to them again. He told them that where they once hunted, and where they seldom saw a deer, was a thing of the past. If they were to hunt more than this one last day with him, they would know when and where to shoot deer.

Take only high-percentage shots.

He explained the necessity of taking only high percentage shots, and never taking low percentage opportunities. He told them the only shots they could take were standing broadside or standing quartering-away shots at 20 yards of less. There would be no exceptions to these new rules.

Any deer hit anywhere else would buy them a one-way ticket off his hunting land. And, he stressed, friends or not, he was done messing with them. They would do it right or they wouldn't do it at all.

He used a deer target and positioned it at all different angles. He offered them broadside, quartering-away, quartering-toward, dead-on and dead-away shots. He made them shoot countless arrows at the target when it was properly positioned, and they finally realized what they had been doing wrong.

They had been flinging arrows in hopes that a lucky hit would kill the deer. No doubt the first eight "lucky" hits killed the deer but none were recovered even after several hours of blood trailing long after dark.

They soon became excellent shots, and knowing which shots to take and when to take them came next. He had to teach them how and when to draw, and he didn't want them shooting at moving deer.

"A deer that is feeding is occupied," he said. "Watch that animal and any other nearby deer, and make your draw slow and noiselessly. Take careful aim at the heart-lung area, and don't shoot at anything else. Neck, frontal or rear shots are strictly forbidden. Quartering-away bow shots are the best of all."

He told them that patience is a virtue, especially when trying to arrow a deer. Wait until the deer offers you the ideal shot. Often deer will move around and never offer a shot, so he told them not to shoot. You be the judge of when to shoot: don't let the deer decide for you.

Quartering-away bow shots like this are the best bow shots of all.

"You control when you shoot," he preached. "Don't raise the bow until a deer turns sideways or offers a quartering-away shot. If the deer is within range, but other deer have their heads up and are looking around, wait.

"Don't be in a big rush to shoot. Cherish the moment. Make it last. Drag out the final outcome as long as possible. When you decide to shoot, make certain the buck is properly positioned within range. Check to make sure no other deer have their heads up or are looking in your direction.

"You'll know when the right moment comes. Pick a spot, come to full draw, aim at that precise spot, and make a smooth release. Don't lift your head up until the Game Tracker line starts going out after arrow impact."

That night both of them shot bucks. Nothing big, but bucks nonetheless. They waited, and true enough, when the right time arrived for a shot and the deer were perfectly positioned, they eased back to full draw and killed their bucks.

Everything in life must be learned, and proper hunting methods are no different. Do it right or don't do it.

Learning periods like this are very important. Beginning bow hunters have the urge to shoot something, and they invariably take shots that offer little hope of recovering the wounded animal.

Bow hunters must perfect the art of patience. Don't try to rush things. If and when the time is right to shoot, the deer will be motionless and looking away or at another deer, and you'll have plenty of time to shoot. Learn how to wait, and if a deer doesn't offer a good shot that day, let the animal go and try again the next day.

Shooting and wounding deer is stupid. Practice constantly, and know when to draw, how to aim and where to shoot. Refine each of these skills. They are not difficult to learn, and once hunters understand these principles, shooting a buck become much easier.

Filed under: responsible

Finne says...

"Jews are responsible for all the wars in the world."  Mel Gibson

Filed under: responsible

Pato says...

You will have to excuse me, but I am going to go off on a small rant. In the weekdays I take my dog to central park at 7:00 AM for a little morning walk. It’s great since all dogs are allowed to be off the leash before 9:00 AM. Anyway, I live around the area so I only have to walk two streets, literally, to get to the park. Now what makes me really angry is that on the way to the park and back I usually count about 4 to 5 persons hosing their sidewalk. Can you believe it? Really? Are we so insensitive to the world around us or do we simply choose not to give a dam?

   
Click here to download:
Its_the_small_things_that_make.zip (43 KB)

We all know about the climate change and the natural resources depletion crisis, yet we are missing the point that it’s the small things that matter. It’s the small things we all do differently every day that will have the biggest impact in the future. Let me use the hosing sidewalks as an example. There are roughly 72,000 square blocks in Manhattan alone. Given that usually blocks are square, that means there 4 street sides to a block, this means there are 288,000 thousand streets. If we use a conservative estimate of 1 person per street hosing their sidewalk we have 288,000 “sidewalk cleaners”(My average is 2.5, but let’s play it safe to make the point). Now, how much water do you think it takes to hose the sidewalk? To my surprise, a garden hose at normal house water pressure, which is what people use to wash the sidewalk, can discharge up to 6 gallons of water per minute. Got that? 6 Gallons per minute. Now suppose people take 3 minutes to clean the sidewalk which is again a conservative estimate. That is 18 gallons of water per sidewalk. If we multiply that by the 288,000 we calculated before, we get 5,184,000 Gallons of water per day. That’s 36’288,000 a week. That’s 1,886’976,000 Gallons in a year. JUST TO HOSE THE SIDEWALK!!! And this is only in Manhattan.

To put things in perspective, the Jacqueline Kennedy Onassis Reservoir in Central park holds about 1 billion Gallons of water. That means we are dumping it on our sidewalks almost twice during the year. Doesn’t this feel like a stupid and irresponsible thing to do? I suggest that if you are using a hose to clean your sidewalk, next time please grab a broom and a 2 gallon bucket. I can assure you will get the same results. Yes, it’s more work, but it’s the small things that make a difference

Filed under: responsible

hichrish says...

Been thinking this morning. Reminiscing…

April 21, 2009 marked my 23rd anniversary working in the mortgage business. Starting out in Escondido, CA with Home Savings of America as a trainee appraiser in 1986 when tax laws were changing, I started out busy. Everyone was trying to make changes in their financial plan before new tax codes took effect. At that time the only loan product we provided was the Option ARM, which had been developed in late 70's to early 80's. We appraisers had access to the old appraisal files and refer to them when a customer was refinancing. I used to see interest rates noted on the folder that went all the way up to close to 20% for a fixed rate, which is why ARM's were developed. Since Option ARMS were the only product we sold and were kept in the Bank's portfolio, it was critical that customers knew exactly how they work. Every Loan Consultant had to memorize a script that explained the product in detail and that was before they went to formal training. If you couldn’t do the script you were sent home. These were professional Loan Consultants.

I worked my way up through Home Savings, to Chief Appraiser, then Assistant Loan Manager. Back in those days, most all of the necessary activities were done in the local branch. The appraisers had their own area; the Loan Manager and Asst. Loan Manager were in offices. The Processing staff was all there and all of us supported the Loan Consultants. Back then, appraisers and loan managers moved around to different branches every few years. I worked in branches that covered all of San Diego County. I knew neighborhoods; I knew what the markets were and knew the community. Appraisers completed the appraisals; Chief Appraisers reviewed them-often driving the properties to review in the field and signed off for the Loan Managers. Loan Managers would then sign off on the appraisal, also driving the property and comparable sales. We were not just verifying the estimated value, but also the quality of the appraisal work. The Assistant Loan Manager did the majority of the underwriting of loans. Loans up to a certain level could be approved, suspended or denied before going to the Loan Manager. Higher loan amounts would be pushed up for higher and higher levels. Back then the loan to value ratios were lower and verification of income, assets, etc. was performed on all loans.

When I started there was one computer terminal in the office, used mostly by processing. We had fax machines and would copy the fax because it would fade over time sitting in the files. Photos for the appraisals were made using black and white Polaroid cameras. Since Home Savings put all loans in the portfolio, we didn’t use the typical appraisal form. We had a two-sided card that fit into an envelope about 6” x 9”. We used a mechanical pencil to fill in all the information. My first Chief Appraiser told me I had to block print so that it would be legible. After writing that way every day, I soon forgot how to write in script, except to sign my name. I also had to really start wearing glasses with a stronger prescription.

Every lender, every business looks for ways to cut the cost of doing business. Computers change workflow and offer up the possibility of doing more.

1995 Home Savings centralized processing and underwriting functions in two locations. The sales staff continued to work out of their offices, the appraisers worked out of their homes and sales managers managed a bigger area. The underwriter working on a file may have been an hour away or 5 hours away by plane.

Washington Mutual started buying and growing in the 90’s. For us in California we saw American Savings, Great Western and others in the west become a part of “WAMU.” We also merged in 1999. These mergers were exciting and were difficult at times. One thing that was always consistent was the “savings and loan” mentality. We took in deposits from customers and lent money to homeowners. We would do everything we could to help customers, even if that meant denying their application. The words “common sense” were used a lot. The numbers may have added up positively or negatively, but in the end a loan approver had to believe the customer would be able to pay their payment for their home. I know my competitors also took the same view. There were always some differences in each lenders view and we were all better for it.
There are numerous articles, blogs, books and media discussing what happened in the past several years. I know some things now that I was completely unaware of during the boom period. I only worked with prime customers. What was happening in subprime was not an area I was exposed to, until near the end. I do remember when higher LTV loans were getting pushed out to the field. We at WAMU were slow to implement and many of our Loan Consultants complained about all the business they were losing. This was when Countrywide made a huge push to dominate the market. Not only were they aggressively promoting these new products, they were recruiting every possible Loan Consultant from WAMU, Wells Fargo, Bank of America, etc. As I was trying to keep my people, I had to address the fact we couldn’t compete against 100% financing. I knew they didn’t want to hear me say it, but I said “I would continue to forward their complaints to our bosses, but I was very nervous about these loans.” Anyone who had been in the business for any period of time knew that everything works in cycles.

The boom cycle was not one I had seen before though. The combination of lower interest rates, higher loan to value and less documentation opened up the floodgates. I believe that majority of retail salespeople working for banks; mortgage bankers and mortgage brokers performed their jobs honorably. Most had been in the business for awhile and were looking for relationships with customers, not just the deal. We also hear and see stuff that shows how many disreputable people were out there. After the market started to implode in 2007 I had many people apply to work for me. They had been working in the business a year or two or three. They had no idea how to document a file or even explain how a loan worked. One person told me about his experience working for a company in the San Francisco area. They would hire dozens to hundreds of people to come in and work the phones. Their was no training but the script. They were to call friends and families first to get business. Every month all non-performers were let go and a new group brought in. My eyes were opened.

April 2008 we were told all of the Home Loan Centers were closing. All lending would be done in the Financial Stores. During that period of time, as all the bad news was coming out, many of us hoped Chase would buy us.

Well, I took my severance and went to Chase myself. It has been a year now. More layoffs, more restrictions, more challenges. And now back with friends from WAMU! There is a new vision for mortgage lending today.

The Chase vision is reflected in the Responsible Lending Statement.
These values look awfully familiar to me and I am glad they are here!

Filed under: responsible