User talk:Simon123/Archive 1

Welcome
Hi, and welcome to Wikipedia! Thanks for joining the coolest online encyclopedia I know of. I hope you stick around. You'll probably find it easiest to start with a tutorial of how the wikipedia works, and you can test stuff for yourself in the sandbox. Check out the simplified ruleset. When you're contributing, you'll probably find the manual of style to be helpful, and you'll also want to remember a couple important guidelines.
 * 1) Write from a neutral point of view
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Those are probably the most important ones, and you can take a look at some others at the policies and guidelines page. You might also be interested in how to write a great article and possibly adding some images to your articles.

Be sure to get involved in the community – you can contact me on my talk page if you have any questions, and you can check out the village pump, where lots of wikipedians hang out and discuss things. If you're looking for something to do, check out the community portal. And whenever you ask a question or post something on a talk page, be sure to sign your name by typing 4 tildes like &#126;&#126;&#126;&#126;. Always sign the talk page, never the articles.

Again, welcome! It's great to have you. Happy editing!--May the Force be with you! Shreshth91 ($ |-| r 3 $ |-| t |-|)  10:06, 1 November 2005 (UTC)

Mortgage
I've edited Mortgage quite a bit. I'm afraid there were a lot of legal errors, but that is hardly surprising as it is a difficult subject. I suspect it is still a little EW POV but that can be improved. See my notes in discussion. Francis Davey 22:29, 7 November 2005 (UTC)

Cut-and-paste move
You recently cut-and-pasted the contents of the article With-profit fund to With-profits policy, citing a discussion that I have been unable to locate. If you were trying to perform a page move, please be aware that this is not the proper way to do it. If this is not what you intended, could you please explain your intentions below, or at least provide a link to the discussion you referred to in your edit summary. Thanks in advance. —Ilmari Karonen (talk) 22:30, 14 November 2005 (UTC)

I tried to add the article last night but the servers froze and I was unaware until this morning it has been submitted. I have now added the explaination in the new articles discussion page. I am unaware of how to perform a page move, maybe this would have been better. If you think it would be advantageous then please go ahead.

I intend to re-write much of the article the cut and pasting was intended to act as a template. Simon West 08:14, 15 November 2005 (UTC)

Okay, if you're going to rewrite With-profits policy and leave With-profit fund as it is, then I suppose cutting and pasting it was probably fine. You might want to add an underconstruction template to With-profits policy until you get the rewrite at least mostly done.

The proper way to move a page is with the "move" button at the top of the page. If you don't see one, wait — to make page move vandalism harder, the "move" button is not immediately available to new users. It will appear once you've been around long enough and made enough edits.

Unfortunately only administrators can turn a "cut-and-paste move" into a real one, and it's a nontrivial process even for them. For details, see fixing cut and paste moves. —Ilmari Karonen (talk) 15:06, 15 November 2005 (UTC)

Mutual funds as trusts
In point of fact, all the Fidelity funds are organized as Massachusetts business trusts. Furthermore, you might want to reconsider your notion of "common misconception". If most English-speaking people think pecans are nuts, then all the botanists in the world insisting that they are not nuts but in fact drupe seeds does not change the English-language meaning of the word. The fact that a U.S. regulatory agency has a definition of "mutual fund" does not privilege their definition over the English-language definition thereof, particularly in an international project like Wikipedia. I checked the two dictionaries most easily available to me; the American Heritage hews closer to your practice, but does seem to include ETFs in its definition. The OED, on the other hand, says "A form of collective investment in a managed fund; spec. = unit trust". So if you insist on hewing to the SEC's definition, you might want to consider renaming the article so that someone else can write the article about the more general (and global) meaning. 121a0012 15:19, 18 December 2005 (UTC)

I stand corrected. US Mutual Funds may be structured as trusts.

However you have misread my intentions in the edit I made. I have spent a long time trying to remove the heavy US bias in many investment articles and especially in the article 'mutual funds'. If you look back through the history you will see the article assumed all collective investments were sub-types of mutual funds whereas the SEC makes clear distinctions for the US and this is definitely not the case elsewhere in the world. To try and counter the bias I started the article collective investment scheme to give a world view. Furthermore I added the two descriptions in the lead paragraphs of the mutual fund article to spell out the US and non-US usage and added a statement to make it clear the remainder of the article follows the US meaning and added link to the collective investment article for all others.

I assumed the US regulator in stating 'MF = open-end companies', meant that they were all companies now I have followed the link to the legislation it is apparent that the 'management company' is what's being referred to and that "any redeemable security of which it is the issuer" may well refer to a trust. I will re-instate your edits and expand the point in the article. Simon West 16:29, 18 December 2005 (UTC)

Help for the following project

 * I address some of your question on the Talk Page of the article in question. And made an outline of what I am trying to accomplish, however definitions and methodology is yet concrete due to my lack of knowledge. Hopefully you might help me on this with other informed investor and people that work within the financial industry. Thank you for taking an interest, Sincerely Paul.Paquette

Image Tagging Image:Gail-porter-stunt-marketing.jpg
Thanks for uploading Image:Gail-porter-stunt-marketing.jpg. I notice the 'image' page currently doesn't specify who created the content, so the copyright status is therefore unclear. If you have not created this media yourself then you need to argue that we have the right to use the media on Wikipedia (see copyright tagging below). If you have not created the media yourself then you should also specify where you found it, i.e., in most cases link to the website where you got it, and the terms of use for content from that page.

If the media also doesn't have a copyright tag then you must also add one. If you created/took the picture, audio, or video then you can use GFDL to release it under the GFDL. If you believe the media qualifies as fair use, please read fair use, and then use a tag such as or one of the other tags listed at Image copyright tags. See Image copyright tags for the full list of copyright tags that you can use.

If you have uploaded other media, please check that you have specified their source and copyright tagged them, too. You can find a list of 'image' pages you have edited by clicking on the "my contributions" link (it is located at the very top of any Wikipedia page when you are logged in), and then selecting "Image" from the dropdown box. Note that any unsourced and untagged images will be deleted one week after they have been uploaded, as described on criteria for speedy deletion. Thank you. Nv8200p talk 22:54, 31 January 2006 (UTC)

The Long and Winding Road
See: Featured article removal candidates/The Long and Winding Road. Hyacinth 12:37, 15 March 2006 (UTC)

Current account
I had been thinking for a while that we didnt really have suitable coverage of current accounts, in many cases wiki ends up putting these type of things together eg have a UK section on the Checkable deposits page. I think there is an extremely strong argument for keeping this one separate, although I have a feeling that we might have to defend it from merger at some stage.

In terms of content its in my ponderances at the moment, however I'm begining to think it has the foundations of a featured article eventually, there is also plenty of opportunity for pictures and summary sections. Probably have an attempt at sketching out a structure soon; debit cards, BACS/CHAPS, overdrafts (inc fees?/oft investigation), credit interest, internet/telephone/branch, cheques, SO/DD and offseting would seem to be the key sections to include, let me know/add any others that you think should be in. Ian3055 15:03, 18 March 2006 (UTC)

Userboxes
➨ ❝ R E  DVERS ❞ 20:26, 10 April 2006 (UTC)



Mortgage article and predatory mortgage lending
Simon, I would welcome a global perspective on the subject of predatory mortgage lending. But I fail how it can be described as a "personal crusade". On the contrary, its a valid subject which should be addressed in any article on mortgage. At the very least there should be some mention of this within the body of the article.

Please allow me to add that I believe its important to address the risks involved in obtaining a mortgage. In any consumer's guide to any mortgage which a person could buy off the shelf of any bookstore, you will find caveats regarding the mortgage industry. I also think its good counter-ballance to an article which basically praises mortgage lenders without stating how a few wrongful doers are taking advantage of consumers.

If you do not like the paragraphs that I had written then feel free to rewrite it. In the meantime, I hope you do not mind but I inserted one single sentence at the end of "legal aspects" regarding predatory practices.

One final word, if I may. I am a completely neutral party to this topic. I am not employed in the mortgage industry or in financial professions of any kind. Furthermore this is the first topic on financial matters that I had edited. I posted this statement because I believe it is important. I tried to be fair and even handed.

Peace Piercetp 00:36, 11 April 2006 (UTC)


 * I did see your latest revisions. It seems ok with me. I might ask, if I may, does Mortgage Fraud exist in the UK and elsewhere?Piercetp 20:47, 11 April 2006 (UTC)

Greetings from WikiProject The Beatles!
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WikiProject The Beatles Newsletter, Issue 2, June 2006
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Insurance Broker
I noticed you made the addition of the 1977 legislation re insurance brokers, can you please provide a country reference for this legislation? I'm guessing UK by your profile, but please confirm this...

WikiProject The Beatles Newsletter, Issue 4, August 2006

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American Vs British spelling
I note from articles that you are trying to remove US-english bias, but there are a few items where this is not necessary. "Adviser" and "Advisor" are acceptable variant spellings on both sides of the pond (I have checked both my Websters and Chambers dictionaries on this matter) However, to your facour, you were reverting something that another pedant had changed in the first place and most professional IFA bodies in the UK seem to prefer the "er" ending. Beware also of changing "izes" to "ises". the use of z is not American and in fact still the prefered choice of the OED. Look at any pre second world war publications and you will struggle to find an "ise" as it is a recent twist in British English. Good articles from you by the way! Dainamo 23:52, 6 August 2006 (UTC)

Do not link to copyvio
Please see #5 under the "Links to be used occasionally" section at Wikipedia:External links. The sites in the Beatles articles that linked to videos and lyrics violate the Beatles' copyright to the lyrics, music, and/or performance. -- Mikeblas 02:09, 26 August 2006 (UTC)

WikiProject The Beatles Newsletter, Issue 5, September 2006

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Tax Haven/OFC proposed merge
I know you are still keen on merging these two articles, and I think I am too, but given the only other comment has been a dissent, it is probably not something to rush into lest we get someone's back up. What I think I'll do is start working on a merged article in my sandbox (User:Legis/sandbox), and wait a little bit longer for any other views. If no other views are raised I suggest we go ahead with the merge on a 2:1 basis. I probably won't start work on it until the weekend; bit busy at work at the moment. Legis 07:55, 21 September 2006 (UTC)

Girobank
Hi Simon

You asked the source of the information I provided on Girobank.

I was employed by the organisation from 1977 until 1995 in the small HQ in London.

The information prior to 1977 comes from my discussions with numerous managers. There was also a book written about the history of the National Giro and I would recommend that you try and get hold of it if you are interested. I obtained it from my local library and read it many years ago, so unfortunately I cannot remember the name of the author.

I also had access to the numerous archives stored in the office, including access to planning papers for the organisation dating from (if I recall correctly) from about 1966. I used to travel frequently to the Operations Centre in Bootle and knew quite many managers and employers working there.

If you have any questions just ask ... I'll do my best to answer them if I can.

--Tom 13:56, 23 September 2006 (UTC)

WikiProject The Beatles Newsletter, Issue 6, October 2006

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The project merge with The Project
I'm leaving this note because you've edited on the first page above. I made a new page on the same topic, not realizing the first one existed. Are you interested in helping to merge the pages? Elizmr 02:01, 17 October 2006 (UTC)

WikiProject The Beatles Newsletter, Issue 7, November 2006

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Moving pages
A while back, you performed a copy-and-paste move of Gichin Funakoshi to Funakoshi Gichin. I have fixed this now; in the future, please use the move feature to move pages. Copy-and-paste moves mess up the histories of pages and violate the GFDL. Thanks. --Slowking Man 13:39, 18 November 2006 (UTC)

Saran Wrap redirect
I reverted your Saran Wrap redirect. I think we are suppose to direct people to the most detailed applicable link. Let me know if you disagree. TonyTheTiger 19:26, 28 November 2006 (UTC)

Thanks for the explanation. I was wondering where Template:SCJohnson should be redirecting to. TonyTheTiger 20:57, 28 November 2006 (UTC)

WikiProject The Beatles Newsletter Issue 8, December 2006

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WikiProject The Beatles Newsletter, Issue 9, January 2007

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Ordinary Income Shares
Question on Ordinary Income Shares from the Investment trust article: does this refer to ordinary shares, or ordinary income? Perhaps some explaination is needed before piping the link. Thanks. Have Gun, Will Travel 03:14, 6 February 2007 (UTC)

WikiProject The Beatles Newsletter, Issue 10, February 2007
Hi. You are not receiving The Beatles project newsletter because we believe you are inactive. Click the link in the title, above, to see it. If you want to move yourself back to active, and get copies again, please remove your name from WikiProject The Beatles/Outreach/Newsletter/Inactive and add yourself to WikiProject The Beatles/Outreach/Newsletter/Active Thanks for your interest in the project. This is probably the last notice you will receive. ++Larbot - run by User:Lar - t/c 02:23, 8 February 2007 (UTC)

News Time

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BetacommandBot 23:57, 26 April 2007 (UTC)

Fair use rationale for Image:No_Pakistanis_sample.ogg
Thanks for uploading Image:No_Pakistanis_sample.ogg. I notice the image page specifies that the image is being used under fair use but there is no explanation or rationale as to why its use in Wikipedia articles constitutes fair use. In addition to the boilerplate fair use template, you must also write out on the image description page a specific explanation or rationale for why using this image in each article is consistent with fair use.

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September 2007
Your contributions history shows that you have been aggressively cross-posting. Although the Arbitration Committee has ruled that "The occasional light use of cross-posting to talk pages is part of Wikipedia's common practice."1, such cross-posting should adhere to specific guidelines. In the past, aggressively worded cross-posting has contributed towards an Arbitration Committee ruling of disruptive behavior that has resulted in blocks being issued. It is best not to game the system, and instead respect Wikipedia's principle of consensus-building, by ceasing to further crosspost, and instead allowing the process to reflect the opinions of editors that were already actively involved in the matter at hand. Nate1481(t/c) 08:40, 12 September 2007 (UTC)
 * If you notice, I was the one who nominated it for an Afd. The best way to let people know is by putting a notice on WikiProject Martial arts (or equivalent) talk page. I had listed it under WikiProject Deletion sorting/Martial arts
 * What irritated me was the tone, telling people there is an AfD is one thing, suggesting they vote to keep is another. --Nate1481(t/c) 08:57, 12 September 2007 (UTC)

Fair use rationale for Image:SKI Kata Vol 1.jpg
Thanks for uploading or contributing to Image:SKI Kata Vol 1.jpg. I notice the image page specifies that the image is being used under fair use but there is not a suitable explanation or rationale as to why each specific use in Wikipedia constitutes fair use. Please go to the image description page and edit it to include a fair use rationale.

If you have uploaded other fair use media, consider checking that you have specified the fair use rationale on those pages too. You can find a list of 'image' pages you have edited by clicking on the "my contributions" link (it is located at the very top of any Wikipedia page when you are logged in), and then selecting "Image" from the dropdown box. Note that any non-free media lacking such an explanation will be deleted one week after they have been uploaded, as described on criteria for speedy deletion. If you have any questions please ask them at the Media copyright questions page. Thank you. NOTE: once you correct this, please remove the tag from the image's page. STBotI 08:33, 21 September 2007 (UTC)

Re: Image deletion
I didn't "ignore your rationale". I read it. However, the image illustrates a subject for which a free image might reasonably be found or created that adequately provides the same information. Please read Non-free content if you have any other further questions. Have a great day.  нмŵוτн τ  15:09, 20 November 2007 (UTC)
 * The person who uploaded the tag should have notified you. I'm sorry that they didn't do that, but please assume good faith in others before jumping to conclusions and pointing fingers.
 * Also, the number 2 in that policy link doesn't mean #2 under policy, it is simply a technicality in a link that directs you the the 2nd heading titled "Policy", for future reference. Thanks,  нмŵוτн τ  16:50, 20 November 2007 (UTC)

WikiProject The Beatles
Your user name is on the “Inactive, or have just popped out for a cup of tea...” list on the Wikipedia:WikiProject The Beatles page. You can move it back to the “Participants” list if you feel this is not the case. :) -- WikiProject The Beatles 15:13, 28 November 2007 (UTC)

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AfD nomination of Terry O'Neill (karateka)
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Disputed fair use rationale for Image:WorldCov.jpg
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Orphaned non-free media (Image:Gail-porter-stunt-marketing.jpg)
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History of the English Fiscal System

I left you a note on the user page for this article. Unfortunately, being a complete computer ignoramus, I have only just realised the difference between talk and user pages. Anyway, should be grateful for your comments, if any Vee1534 (talk) 13:08, 17 June 2008 (UTC)

This is an automated notice by FairuseBot. For assistance on the image use policy, see Media copyright questions. --14:51, 12 May 2008 (UTC)