Thursday, October 18, 2007
LLCA Domain Name Change
There was an error and I was misinformed of the domain name via our server. We have registered a new domain and the database will be accessible from http://www.llcra.com when it is available. Thank you for your continued support.
New LLBT Mortgage Terms
In response to decrease default as well as to put in sterner standards for the future credit reporting, I am establishing more defined terms for mortgages loans for LLBT. This is including the terms already on the books and the web application will be adjusted to include these terms as well.
Avatar terms and requirements:
-Must be at least 30 days old
-Must have a job or a viable means of making lindens
-1 Character reference at least 90 days old
-Must provide email address for final closing
Loans Terms:
-The loan amount cannot be more than 99% of the cost of collateral. Collateral will be appraised to ensure prices are not inflated.
-1-10% down payment required on loan closure (meaning we fund up to 99% of the amount needed, based upon age of avatar and other factors)
-Minimum 4 week payment terms, maximum 24 week repayment not to exceed 180 days, no prepayment penalty
-Maximum 2 late payments. Land will be repossessed on the day of a 3rd late payment and all remaining principal, interest, and fees will be due immediately to reclaim land. A $100L late fee and 1% daily interest is payable on the entire amount owed.
-Loan holder still responsible for any monthly tier payments.
-.21% interest rate daily on loans (Interest calculated at contract agreement and closing)
-Electronic contract via email required
-Land will be verified thoroughly with private sim owners if the land is on a private sim.
-Land and any bank account locked from owner on 8th day. Land repossessed on 14th day. Land will be placed for sale on the 14th day. Regular interest and late interest continues to accrue up to 21st day. Any bank balance will be usurped to pay for loan balance on 21st day. The account will be written off to default on 30th day and reported as a debt to the credit reporting agency.
These terms will be updated in all docs by the end of the week and are effective immediately.
Avatar terms and requirements:
-Must be at least 30 days old
-Must have a job or a viable means of making lindens
-1 Character reference at least 90 days old
-Must provide email address for final closing
Loans Terms:
-The loan amount cannot be more than 99% of the cost of collateral. Collateral will be appraised to ensure prices are not inflated.
-1-10% down payment required on loan closure (meaning we fund up to 99% of the amount needed, based upon age of avatar and other factors)
-Minimum 4 week payment terms, maximum 24 week repayment not to exceed 180 days, no prepayment penalty
-Maximum 2 late payments. Land will be repossessed on the day of a 3rd late payment and all remaining principal, interest, and fees will be due immediately to reclaim land. A $100L late fee and 1% daily interest is payable on the entire amount owed.
-Loan holder still responsible for any monthly tier payments.
-.21% interest rate daily on loans (Interest calculated at contract agreement and closing)
-Electronic contract via email required
-Land will be verified thoroughly with private sim owners if the land is on a private sim.
-Land and any bank account locked from owner on 8th day. Land repossessed on 14th day. Land will be placed for sale on the 14th day. Regular interest and late interest continues to accrue up to 21st day. Any bank balance will be usurped to pay for loan balance on 21st day. The account will be written off to default on 30th day and reported as a debt to the credit reporting agency.
These terms will be updated in all docs by the end of the week and are effective immediately.
Features of the LLCA Database
L&L Credit Reporting Agency will be located via the web at http://www.llca.com and this will be the final parking spot. The database is not available for viewing there yet but will be within the next week. The initial build will include the following components with brief explanations.
**Parties**
User: A person who signs in to the web site.
Admin: System administrators, users with special privileges
Credit file: An individual that user credit information. These people may or may not be users.
Accessor: Someone who is accessing information about a credit file. All accessors are users, but not all users are accessors. Any idea what a better name for these people is? They are information consumers, but they’re accessing information about consumers of a different type, so that name would be confusing.
Providers: Businesses who provide information that becomes part of credit reports.
**Use Cases**
Disclose RL info (optional):
Can disclose RL information
RL information verified before stored
Signed release form stored electronically in the user’s credit file that allows us to maintain and release RL information on request
RL information will not be released without the form on file
Upload scanned/faxed images
View scanned/faxed images
Business upload:
Business users can upload avatar information
Business users can request avatar information
Business users pay a fee
Facility for banks and businesses to upload information
Individual:
Users can dispute information in their credit report, and CS people will research the disputes.
Users can download their own credit report once per month for free, and must pay to do more than that
Customer Service:
CS people can see a list of disputes to research
CS people can respond to the disputes
CS people can change credit information in response to dispute investigations
Accessor:
Users can be granted permission to pull the credit files of other users.
Record transactions of people’s accounts being accessed, and who it was accessed by. This is so that we can deduct points for credit queries
The fee schedule will be posted shortly and we will start to list businesses that have signed up for the service. Feel free to post your questions to this blog and I will respond.
**Parties**
User: A person who signs in to the web site.
Admin: System administrators, users with special privileges
Credit file: An individual that user credit information. These people may or may not be users.
Accessor: Someone who is accessing information about a credit file. All accessors are users, but not all users are accessors. Any idea what a better name for these people is? They are information consumers, but they’re accessing information about consumers of a different type, so that name would be confusing.
Providers: Businesses who provide information that becomes part of credit reports.
**Use Cases**
Disclose RL info (optional):
Can disclose RL information
RL information verified before stored
Signed release form stored electronically in the user’s credit file that allows us to maintain and release RL information on request
RL information will not be released without the form on file
Upload scanned/faxed images
View scanned/faxed images
Business upload:
Business users can upload avatar information
Business users can request avatar information
Business users pay a fee
Facility for banks and businesses to upload information
Individual:
Users can dispute information in their credit report, and CS people will research the disputes.
Users can download their own credit report once per month for free, and must pay to do more than that
Customer Service:
CS people can see a list of disputes to research
CS people can respond to the disputes
CS people can change credit information in response to dispute investigations
Accessor:
Users can be granted permission to pull the credit files of other users.
Record transactions of people’s accounts being accessed, and who it was accessed by. This is so that we can deduct points for credit queries
The fee schedule will be posted shortly and we will start to list businesses that have signed up for the service. Feel free to post your questions to this blog and I will respond.
The Story of Hostel
This is the back story of the roleplaying sim Hostel. The story of the sim will be posted along with the rules of the sim for roleplayers to become acquainted with the city. The story is very open so that it can be dynamic. Please refer to http://en.wikipedia.org/wiki/Victorian_era for information on the Victorian era.
Now begins....
James Haust, a poor miner from Douglas on the Isle of Man, prayed for many years to have the money to become a banker but his education was lacking. James spent day in and day out slaving in the mines growing very tired of the hard work on his body and wanted to be in the elite with the nobles in the city and enjoy the company of the many beautiful women in the brothels.
Seeing that is prayers would go unanswered, James sought alternate means and visited a gypsy in the city that boasted she could connect with the departed to ensure his future. The gypsy summoned a man by the name of Broadus Telus that had been previously hung for murdering a young woman that he had found out was not his daughter.
Broadus had been a bit of a con man and had many stashes of money hidden in different areas all over the Isle. He gave James clear instructions on where to find the money that he needed for his dream. His requirement was for James to build a city on the North West corner of the Isle near present day Regaby, call it Hostel, and find a skilled man of magic to resurrect him once the city is complete. James was to keep stern records and have 225% of the money used to build the city put back into a safe and buried in the city for Broadus’s return.
James did as instructed and found a place for the city that sat near an old graveyard and the ruins of some sort of temple surrounding by beaten down shacks. He did not think much of the area and left the ruins intact as they donned the dreary landscape nicely. Upon completion of the city in 1879, he walled off the graveyard and built a University on top of a hill near the ruins. The city started to flood with people enjoying the many sites of the city with large living areas, lavish shops, and lavish women. The University opened and started its first classes surrounded by the fields of the poor farmers that sought new lands and moved to Hostel as well. People of secrecy moved into the town as well opening opium houses and only seeming to dwell in the city at night but they were respectable so no one paid them any mind.
James was the head of the City Council with his hoard of corrupt constables and had become respected in the city adding a bit of pompousness to his attitude. Broadus visited James in a dream and asked for the progress of his resurrection. James proceeded to count Broadus out and washed his hands of the ghost, refusing to keep his word. James felt like he had worked to hard for his vision to hand it over to a thief and murderer that was better dead. Broadus nodded respectfully and left James to his new life.
Months passed until one day found James in the library of the University. Knocking at the lower door disturbed his reading and he stepped out into the hall to answer falling into the floor underneath the University into unknown catacombs. Unable to climb back up, he walked through the tunnels passing rooms with wooden doors trying to find a way out ending up in the swamp.
He walked around the temple in the swamp fingering the etchings on the large tablets as Broadus appeared before him, slitting his throat from left to right and mangling his face wickedly. James was found by the constables the following day still alive and clinging to his life. He was cared for by a pale Italian doctor who had just arrived in the city hours before. He repaired most of the physical damage but concluded that James was insane from the wild fits of rage and emotional anguish that transpired during his days of care. An asylum was built to house James where he soon died and is rumored to haunt the graveyard along with the ghost of Broadus Telus.
Hostel has emptied a little at the death of James Haust but the city still stands ready to flourish again. However, there are a host of specters roaming the city….
Now begins....
James Haust, a poor miner from Douglas on the Isle of Man, prayed for many years to have the money to become a banker but his education was lacking. James spent day in and day out slaving in the mines growing very tired of the hard work on his body and wanted to be in the elite with the nobles in the city and enjoy the company of the many beautiful women in the brothels.
Seeing that is prayers would go unanswered, James sought alternate means and visited a gypsy in the city that boasted she could connect with the departed to ensure his future. The gypsy summoned a man by the name of Broadus Telus that had been previously hung for murdering a young woman that he had found out was not his daughter.
Broadus had been a bit of a con man and had many stashes of money hidden in different areas all over the Isle. He gave James clear instructions on where to find the money that he needed for his dream. His requirement was for James to build a city on the North West corner of the Isle near present day Regaby, call it Hostel, and find a skilled man of magic to resurrect him once the city is complete. James was to keep stern records and have 225% of the money used to build the city put back into a safe and buried in the city for Broadus’s return.
James did as instructed and found a place for the city that sat near an old graveyard and the ruins of some sort of temple surrounding by beaten down shacks. He did not think much of the area and left the ruins intact as they donned the dreary landscape nicely. Upon completion of the city in 1879, he walled off the graveyard and built a University on top of a hill near the ruins. The city started to flood with people enjoying the many sites of the city with large living areas, lavish shops, and lavish women. The University opened and started its first classes surrounded by the fields of the poor farmers that sought new lands and moved to Hostel as well. People of secrecy moved into the town as well opening opium houses and only seeming to dwell in the city at night but they were respectable so no one paid them any mind.
James was the head of the City Council with his hoard of corrupt constables and had become respected in the city adding a bit of pompousness to his attitude. Broadus visited James in a dream and asked for the progress of his resurrection. James proceeded to count Broadus out and washed his hands of the ghost, refusing to keep his word. James felt like he had worked to hard for his vision to hand it over to a thief and murderer that was better dead. Broadus nodded respectfully and left James to his new life.
Months passed until one day found James in the library of the University. Knocking at the lower door disturbed his reading and he stepped out into the hall to answer falling into the floor underneath the University into unknown catacombs. Unable to climb back up, he walked through the tunnels passing rooms with wooden doors trying to find a way out ending up in the swamp.
He walked around the temple in the swamp fingering the etchings on the large tablets as Broadus appeared before him, slitting his throat from left to right and mangling his face wickedly. James was found by the constables the following day still alive and clinging to his life. He was cared for by a pale Italian doctor who had just arrived in the city hours before. He repaired most of the physical damage but concluded that James was insane from the wild fits of rage and emotional anguish that transpired during his days of care. An asylum was built to house James where he soon died and is rumored to haunt the graveyard along with the ghost of Broadus Telus.
Hostel has emptied a little at the death of James Haust but the city still stands ready to flourish again. However, there are a host of specters roaming the city….
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