Nice Low Credit Score photos

A few nice Low Credit Score images I found:

invocation 22, channel 7, deal 4, trick J; contract is assured (deal and scorecard in progress)
Low Credit Score
Image by KevinHutchins314
In the four-player version of the game (Titanomaxia) which utilizes a French deck in the Nouveau Bourgeois style, the total number of card points in the deck is the sum of one thru thirteen, i.e.: 91. This is because each pair (duple) of cards is worth a point (in addition to any face card points, etc). But in the three-player version of the game, the total number of card points is the sum of one thru twelve, i.e.: 78. This is because each tierce (triplet) of cards is worth a point. The deck of seventy-eight cards has thirty-nine duples or twenty-six tierces, depending how many people are playing.

In the four-player version, half of 91 is thus 45.5; and so we find the assymmetrical scoring targets for a contractor are 36, 41, 51, or 56 card points, depending upon whether they dispose of three, two, one, or none of the three crucial "Key terminal" scoring cards.

In the three-player version, half of 78 is 39; and so we find the assymmetrical scoring targets for a contractor are 33, 36, 43, or 46 card points, depending upon their disposal of three, two, one, or none of the vital Key terminals.

In the four-player version of the game utilizing the French style, the Ace is always the lowest numbered card of any suit, and the Ten is the highest number of a suit (surpassed only by face cards). However, in the three-player style of the game (and in some other versions) the four small coloured suits are divided into two varieties. The first variety is the red cards (Hearts and Diamonds, if that’s how your deck is marked) and they follow the French pattern (Ace is low, Ten is high). The second variety is the black cards (Spades and Clubs, if your deck is thusly illustrated) and they are ranked in reverse order, so their Ten is LOW and their Ace is HIGH (surpassed only by the face cards).

In the traditional decks, the face cards in the court of each suit usually had names such as "the King, his Queen, her Knight, and his Page". The French deck labels them as "R" (le Roi), "D" (la Dame), "C" (le Cavalier), and "V" (le Valet). Their tête points value as face cards are 4 points for a King, 3 points for a Queen, 2 for a Knight and 1 for a Valet.

In modern decks the face cards are often designated with more flexible titles. They might say "Lord, Lady, Prince, Princess" or some other variation, so it becomes necessary to establish your own ranking system upon which all the players will agree for the scoring of tête points. Any system is fine as long as it follows the basic structure of 4 points for the highest non-discardable rank, 3 points for the next rank, then 2 points for the next lowest, and 1 point for the lowest face card. Some people play the "Dealer’s gender" rule; i.e., if the dealer is a man then the King is higher than the Queen, but if the dealer is a woman then a Queen is higher than a King. You can adapt any deck to work in the scoring systems as long as all players agree on the values of each card’s index.

Here is an example of how the Deal Card and Score Card look when playing the French version of four-players on which is excellent game shareware. This screenshot illustrates a deal when i was sitting in the South chair versus three robots (West, North, East) and i have displayed the Tournament scorecard as well. This four-player version is standardized in France, and is the world’s most commonly recognized style of the game of Tarot Trumps.

For comparison, my photo here today is of my hand-written Deal and Score Cards in which the three-player version is played using a Cosmic Tribe deck instead of a Nouveau Bourgeois. I have a few of my own quirky notations for keeping track of player chair positionings and bidding levels, but the overall structure of the contracting, discarding, announcing, tricking and scoring are along the same general format as the other versions. I have my own style of naming the indices of the face cards, Key terminals, trump cards of the Void, et cetera; but it basically goes according to the traditional gaming structures.

The four-player game has eighteen tricks which produce seventy-two cards, and the "Chien" (dog/ bitch/ widow/ contractual extra cards) has six cards which are part of the bidding and/or discarding, so the seventy-eight cards are divided thusly. The three-player game has twenty-four tricks, in addition to the two tierces (triplets) from the Bitch, again resulting in all seventy-eight cards being used for each deal. On the Score Card the moves of the dance can be enumerated from A thru Z: the tricks are played A thru X, then the tierces Y and Z are for noting the discard (or Bitch, depending upon the bidding.)

In addition to the bids and tricking, the scorecard also has notations for several kinds of bonuses. When a player has the Wizard number 1 Ace of Trump in the last trick on the table (Trick "X" in the three-player version) he earns the "Magick Trick" bonus. In rare cases of a "Chelem" ("Slam" is when a player wins every single trick on the table) the Wizard might be used during trick "W" while the Demon (0 Joker Excused) might play during trick "X". So i have a notation near tierces W, X, Y and Z to indicate their dispositions. When a player announces an intentional Slam (rather than making a covert attempt) a minor adjustment to the notations on the top row ("chair" labels) can be used to indicate their bonus or penalty. When a player has a Handful announcement, they are asking for bonus points when they reveal their supermajority of Trump cards. The Trump cards which they select for revelation are then recorded in the vertical column between the tricks and the score subtotals, so all players will be able to remember precisely which Trumps have been forecast for bonus gambles.

Finally, i keep an additional few notations on the score card related to some meta-computations. These are merely for my own statistical amusement, in an attempt to try to analyze how people might theoretically go about placing certain kinds of "side bets" when they are uninvolved in the game. From the viewpoint of spectators, cheerleader friends, and impartial scorekeepers, this information might eventually help to demonstrate patterns of player behavior as reflected by the bids, announcements, tricks, scores, and tournament accumulations.

This particular dance card is for my current game in progress (the 22nd Invocation of Titanomaxia), and is paused as Trick J was completed. More than half of the tricks remain to be played on the tableau, but the contractor is already assured of success. The rest of the moves from K thru X will merely be a competition to determine how much profit the contractor will be able to accumulate beyond his minimum target. The contractor will receive a bonus score for displaying his Simple Handful ("Poignée") and he might be lucky enough to keep his Ace of Trump for the very end, to earn a bonus Magick Trick during move X. When they finish this Deal number 4, that will be the end of Channel 7 (the seventh tournament interval of the Ultimate Saga). Then they will be free to hard-shuffle the deck and configure different seating arrangements of players for future tournaments. The meta-score of the appendix player (the "Dix") who is sitting on the sidelines for the 9th time will accumulate an amount purely for the mathematical amusement of the impartial Oracle.

The actual cards on the tableau, with the accumulated Tricky Piles so far, and the contractor’s exposed Handful, are shown in my next photo.

How Much is Your FICO Score Costing You on Your Car? (Infographic)
Low Credit Score
Image by
How Much is Your FICO Score Costing You on Your Car?
Free to republish with attribution and link back to original source.

We recently profiled how your FICO score impacts how much you’ll pay on a home mortgage. If you missed it, take a look here. This week, our latest infographic takes a look at how this three digit number impacts how much you’ll pay on your next auto loan. Not surprisingly, low scoring consumers will end up paying several thousand dollars more over the life of the loan— for the same car. Here’s how the numbers break down.

Spirit of Justice in America
Low Credit Score
Image by DonkeyHotey
First they came for our search history, then they came for the open Internet, and then they came for our public spaces.

Imagine a future where all spaces, actual and digital, are privatized. In this world you will always be operating under terms of service rather than the Rule of Law. The same click-away-your-rights protocol that currently infects website, app and software usage will be brought to the actual world. Everything you see, hear, feel, and smell in these environments is subject to copyright. Your right to photograph, video, write about or in any way reproduce or share anything will be severely limited.

As you enter a mall, a highway, a doctors office, a privatized park (like Zuccotti Park), a subway, a movie theater, an airplane, a grocery store, a university, or any privately owned space, your communications device receives a terms of service request based on your location. You will be required to accept the terms of service to be eligible to enter the space.

You won’t be given permission to access if you are undocumented, have been convicted of a crime, have a low credit score, don’t have insurance, are on some terrorist/protestor/copyright infringer watch list or don’t have a recognized device. "No shirt, no shoes, no chip, no service." "We reserve the right to refuse service to anyone." If you don’t want to live by the rules, then you always have the freedom to… stay home… move to another country… change the law, or whatever.

If you attempt to enter the space without accepting the terms of service you could immediately be e-ticketed. Now you will have to appear in court or pay a fine. The same holds for copyright violations. Three strikes and you are immobilized, apprehended and escorted straight to the privatized prison. You won’t see a day in court or be tried by a jury of your peers. You’ll be lucky if you are entitled to redress your grievances in front of a corporate hired arbitrator. You’ll stay in prison until you serve your term and emerge in debt for the cost of your conviction, incarceration and probation. You’ll loose the right to vote. Your prospects will be diminished.

In this future we will no longer be citizens, we will no longer even be consumers, we will become users trading our liberty for the right to work and shop.

This scenario may be extreme, but it suggests how the never ending march of privatization and robo-justice could result in a world where we justify every breech of liberty by citing the property rights of corporations. The rights we give up in the so called digital world are real rights and are setting precedents to be used against our rights in the "real world."

The cellular network is accessing the real Internet. It should not be a corporate wild west where Net Neutrality does not apply. The Internet is part of the real world where our constitutional rights must be upheld. We must be less forgiving of business practices for digital goods that restrict our rights and prevent the creep of these practices into the non-digital realm.

Another step in this escalating process of corporate control is SOPA, aka the Protect IP Act, which will bring less liberty and more robo-justice for all in the name of reducing copyright infringement and piracy.

Read Senator Ron Wyden’s SOPA statement where he warns of severe repercussions to a Free and Open Internet if bills are passed."

You can read a Senate version of the bill in this PDF.

Sculpture of the "Spirit of Justice" from the Great Hall, 2nd floor of the Department of Justice in Washington D.C. The artist, Carl Paul Jennewein, created this aluminum sculpture in 1935. The dimensions are 12′ 6" tall x 48" in diameter. The CC image used in this post is from my Flickr photostream. The source for this image of the "Spirit of Justice" is a another great photo by Carol M. Highsmith and available via the Library of Congress.

The image has been cropped, exposure increased, contrast increased, and the color is adjusted. The "Spirit of Justice" is holding the letter "INC" the abbreviation for incorporated.