Cool Credit Cards For No Credit History images

A few nice credit cards for no credit history images I found:

A Virgin Train
credit cards for no credit history

Image by Wootang01
9.4.09
The flight arrived on time; and the twelve hours while on board passed quickly and without incident. To be sure, the quality of the Cathay Pacific service was exemplary once again.

Heathrow reminds me of Newark International. The décor comes straight out of the sterile 80′s and is less an eyesore than an insipid background to the rhythm of human activity, such hustle and bustle, at the fore. There certainly are faces from all races present, creating a rich mosaic of humanity which is refreshing if not completely revitalizing after swimming for so long in a sea of Chinese faces in Hong Kong.

Internet access is sealed in England, it seems. Nothing is free; everything is egregiously monetized from the wireless hotspots down to the desktop terminals. I guess Hong Kong has spoiled me with its abundant, free access to the information superhighway.

11.4.09
Despite staying in a room with five other backpackers, I have been sleeping well. The mattress and pillow are firm; my earplugs keep the noise out; and the sleeping quarters are as dark as a cave when the lights are out, and only as bright as, perhaps, a dreary rainy day when on. All in all, St. Paul’s is a excellent place to stay for the gregarious, adventurous, and penurious city explorer – couchsurfing may be a tenable alternative; I’ll test for next time.

Yesterday Connie and I gorged ourselves at the borough market where there were all sorts of delectable, savory victuals. There was definitely a European flavor to the food fair: simmering sausages were to be found everywhere; and much as the meat was plentiful, and genuine, so were the dairy delicacies, in the form of myriad rounds of cheese, stacked high behind checkered tabletops. Of course, we washed these tasty morsels down with copious amounts of alcohol that flowed from cups as though amber waterfalls. For the first time I tried mulled wine, which tasted like warm, rancid fruit punch – the ideal tonic for a drizzling London day, I suppose. We later killed the afternoon at the pub, shooting the breeze while imbibing several diminutive half-pints in the process. Getting smashed at four in the afternoon doesn’t seem like such a bad thing anymore, especially when you are having fun in the company of friends; I can more appreciate why the English do it so much!

Earlier in the day, we visited the Tate Modern. Its turbine room lived up to its prominent billing what with a giant spider, complete with bulbous egg sac, anchoring the retrospective exhibit. The permanent galleries, too, were a delight upon which to feast one’s eyes. Picasso, Warhol and Pollock ruled the chambers of the upper floors with the products of their lithe wrists; and I ended up becoming a huge fan of cubism, while developing a disdain for abstract art and its vacuous images, which, I feel, are devoid of both motivation and emotion.

My first trip yesterday morning was to Emirates Stadium, home of the Arsenal Gunners. It towers imperiously over the surrounding neighborhood; yet for all its majesty, the place sure was quiet! Business did pick up later, however, once the armory shop opened, and dozens of fans descended on it like bees to a hive. I, too, swooped in on a gift-buying mission, and wound up purchasing a book for Godfrey, a scarf for a student, and a jersey – on sale, of course – for good measure.

I’m sitting in the Westminster Abbey Museum now, resting my weary legs and burdened back. So far, I’ve been verily impressed with what I’ve seen, such a confluence of splendor and history before me that it would require days to absorb it all, when regretfully I can spare only a few hours. My favorite part of the abbey is the poets corner where no less a literary luminary than Samuel Johnson rests in peace – his bust confirms his homely presence, which was so vividly captured in his biography.

For lunch I had a steak and ale pie, served with mash, taken alongside a Guinness, extra cold – 2 degrees centigrade colder, the bartender explained. It went down well, like all the other delicious meals I’ve had in England; and no doubt by now I have grown accustomed to inebriation at half past two. Besides, Liverpool were playing inspired football against Blackburn; and my lunch was complete.

Having had my fill of football, I decided to skip my ticket scalping endeavor at Stamford Bridge and instead wandered over to the British Museum to inspect their extensive collections. Along the way, my eye caught a theater, its doors wide open and admitting customers. With much rapidity, I subsequently checked the show times, saw that a performance was set to begin, and at last rushed to the box office to purchase a discounted ticket – if you call a 40 pound ticket a deal, that is. That’s how I grabbed a seat to watch Hairspray in the West End.

The show was worth forty pounds. The music was addictive; and the stage design and effects were not so much kitschy as delightfully stimulating – the pulsating background lights were at once scintillating and penetrating. The actors as well were vivacious, oozing charisma while they danced and delivered lines dripping in humor. Hairspray is a quality production and most definitely recommended.

12.4.09
At breakfast I sat across from a man who asked me to which country Hong Kong had been returned – China or Japan. That was pretty funny. Then he started spitting on my food as he spoke, completely oblivious to my breakfast becoming the receptacle in which the fruit of his inner churl was being placed. I guess I understand the convention nowadays of covering one’s mouth whilst speaking and masticating at the same time!

We actually conversed on London life in general, and I praised London for its racial integration, the act of which is a prodigious leap of faith for any society, trying to be inclusive, accepting all sorts of people. It wasn’t as though the Brits were trying in vain to be all things to all men, using Spanish with the visitors from Spain, German with the Germans and, even, Hindi with the Indians, regardless of whether or not Hindi was their native language; not even considering the absurd idea of encouraging the international adoption of their language; thereby completely keeping English in English hands and allowing its proud polyglots to "practice" their languages. Indeed, the attempt of the Londoners to avail themselves of the rich mosaic of ethnic knowledge, and to seek a common understanding with a ubiquitous English accent is an exemplar, and the bedrock for any world city.

I celebrated Jesus’ resurrection at the St. Andrew’s Street Church in Cambridge. The parishioners of this Baptist church were warm and affable, and I met several of them, including one visiting (Halliday) linguistics scholar from Zhongshan university in Guangzhou, who in fact had visited my tiny City University of Hong Kong in 2003. The service itself was more traditional and the believers fewer in number than the "progressive" services at any of the charismatic, evangelical churches in HK; yet that’s what makes this part of the body of Christ unique; besides, the message was as brief as a powerpoint slide, and informative no less; the power word which spoke into my life being a question from John 21:22 – what is that to you?

Big trees; exquisite lawns; and old, pointy colleges; that’s Cambridge in a nutshell. Sitting here, sipping on a half-pint of Woodforde’s Wherry, I’ve had a leisurely, if not languorous, day so far; my sole duty consisting of walking around while absorbing the verdant environment as though a sponge, camera in tow.

I am back at the sublime beer, savoring a pint of Sharp’s DoomBar before my fish and chips arrive; the drinking age is 18, but anyone whose visage even hints of youthful brilliance is likely to get carded these days, the bartender told me. The youth drinking culture here is almost as twisted as the university drinking culture in America.

My stay in Cambridge, relaxing and desultory as it may be, is about to end after this late lunch. I an not sure if there is anything left to see, save for the American graveyard which rests an impossible two miles away. I have had a wonderful time in this town; and am thankful for the access into its living history – the residents here must demonstrate remarkable patience and tolerance what with so many tourists ambling on the streets, peering – and photographing – into every nook and cranny.

13.4.09
There are no rubbish bins, yet I’ve seen on the streets many mixed race couples in which the men tend to be white – the women also belonging to a light colored ethnicity, usually some sort of Asian; as well saw some black dudes and Indian dudes with white chicks.

People here hold doors, even at the entrance to the toilet. Sometimes it appears as though they are going out on a limb, just waiting for the one who will take the responsibility for the door from them, at which point I rush out to relieve them of such a fortuitous burden.

I visited the British Museum this morning. The two hours I spent there did neither myself nor the exhibits any justice because there really is too much to survey, enough captivating stuff to last an entire day, I think. The bottomless well of artifacts from antiquity, drawing from sources as diverse as Korea, and Mesopotamia, is a credit to the British empire, without whose looting most of this amazing booty would be unavailable for our purview; better, I think, for these priceless treasures to be open to all in the grandest supermarket of history than away from human eyes, and worst yet, in the hands of unscrupulous collectors or in the rubbish bin, possibly.

Irene and I took in the ballet Giselle at The Royal Opera House in the afternoon. The building is a plush marvel, and a testament to this city’s love for the arts. The ballet itself was satisfying, the first half being superior to the second, in which the nimble dancers demonstrated their phenomenal dexterity in, of all places, a graveyard covered in a cloak of smoke and darkness. I admit, their dance of the dead, in such a gloomy necropolis, did strike me as, strange.

Two amicable ladies from Kent convinced me to visit their hometown tomorrow, where, they told me, the authentic, "working" Leeds Castle and the mighty interesting home of Charles Darwin await.

I’m nursing a pint of Green King Ruddles and wondering about the profusion of British ales and lagers; the British have done a great deed for the world by creating an interminable line of low-alcohol session beers that can be enjoyed at breakfast, lunch, tea and dinner; and their disservice is this: besides this inexhaustible supply of cheap beer ensnaring my inner alcoholic, I feel myself putting on my freshman fifteen, almost ten years after the fact; I am going to have to run a bit harder back in Hong Kong if I want to burn all this malty fuel off.

Irene suggested I stop by the National Art Gallery since we were in the area; and it was an hour well spent. The gallery currently presents a special exhibit on Picasso, the non-ticketed section of which features several seductive renderings, including David spying on Bathsheba – repeated in clever variants – and parodies of other masters’ works. Furthermore, the main gallery houses two fabulous portraits by Joshua Reynolds, who happens to be favorite of mine, he in life being a close friend of Samuel Johnson – I passed by Boswells, where its namesake first met Johnson, on my way to the opera house.

14.4.09
I prayed last night, and went through my list, lifting everyone on it up to the Lord. That felt good; that God is alive now, and ever present in my life and in the lives of my brothers and sisters.

Doubtless, then, I have felt quite wistful, as though a specter in the land of the living, being in a place where religious fervor, it seems, is a thing of the past, a trifling for many, to be hidden away in the opaque corners of centuries-old cathedrals that are more expensive tourist destinations than liberating homes of worship these days. Indeed, I have yet to see anyone pray, outside of the Easter service which I attended in Cambridge – for such an ecstatic moment in verily a grand church, would you believe that it was only attended by at most three dozen spirited ones. The people of England, and Europe in general, have, it is my hope, only locked away the Word, relegating it to the quiet vault of their hearts. May it be taken out in the sudden pause before mealtimes and in the still crisp mornings and cool, silent nights. There is still hope for a revival in this place, for faith to rise like that splendid sun every morning. God would love to rescue them, to deliver them in this day, it is certain.

I wonder what Londoners think, if anything at all, about their police state which, like a vine in the shadows, has taken root in all corners of daily life, from the terrorist notifications in the underground, which implore Londoners to report all things suspicious, to the pair of dogs which eagerly stroll through Euston. What makes this all the more incredible is the fact that even the United States, the indomitable nemesis of the fledgling, rebel order, doesn’t dare bombard its citizens with such fear mongering these days, especially with Obama in office; maybe we’ve grown wise in these past few years to the dubious returns of surrendering civil liberties to the state, of having our bags checked everywhere – London Eye; Hairspray; and The Royal Opera House check bags in London while the museums do not; somehow, that doesn’t add up for me.

I’m in a majestic bookshop on New Street in Birmingham, and certainly to confirm my suspicions, there are just as many books on the death of Christianity in Britain as there are books which attempt to murder Christianity everywhere. I did find, however, a nice biography on John Wesley by Roy Hattersley and The Screwtape Letters by C.S. Lewis. I may pick up the former.

Lunch with Sally was pleasant and mirthful. We dined at a French restaurant nearby New Street – yes, Birmingham is a cultural capitol! Sally and I both tried their omelette, while her boyfriend had the fish, without chips. Conversation was light, the levity was there and so was our reminiscing about those fleeting moments during our first year in Hong Kong; it is amazing how friendships can resume so suddenly with a smile. On their recommendation, I am on my way to Warwick Castle – they also suggested that I visit Cadbury World, but they cannot take on additional visitors at the moment, the tourist office staff informed me, much to my disappointment!

Visiting Warwick Castle really made for a great day out. The castle, parts of which were established by William the Conquerer in 1068, is as much a kitschy tourist trap as a meticulous preservation of history, at times a sillier version of Ocean Park while at others a dignified dedication to a most glorious, inexorably English past. The castle caters to all visitors; and not surprisingly, that which delighted all audiences was a giant trebuchet siege engine, which for the five p.m. performance hurled a fireball high and far into the air – fantastic! Taliban beware!

15.4.09
I’m leaving on a jet plane this evening; don’t know when I’ll be back in England again. I’ll miss this quirky, yet endearing place; and that I shall miss Irene and Tom who so generously welcomed me into their home, fed me, and suffered my use of their toilet and shower goes without saying. I’m grateful for God’s many blessings on this trip.

On the itinerary today is a trip to John Wesley’s home, followed by a visit to the Imperial War Museum. Already this morning I picked up a tube of Oilatum, a week late perhaps, which Teri recommended I use to treat this obstinate, dermal weakness of mine – I’m happy to report that my skin has stopped crying.

John Wesley’s home is alive and well. Services are still held in the chapel everyday; and its crypt, so far from being a cellar for the dead, is a bright, spacious museum in which all things Wesley are on display – I never realized how much of an iconic figure he became in England; at the height of this idol frenzy, ironic in itself, he must have been as popular as the Beatles were at their apex. The house itself is a multi-story edifice with narrow, precipitous staircases and spacious rooms decorated in an 18th century fashion.

I found Samuel Johnson’s house within a maze of red brick hidden alongside Fleet Street. To be in the home of the man who wrote the English dictionary, and whose indefatigable love for obscure words became the inspiration for my own lexical obsession, this, by far, is the climax of my visit to England! The best certainly has been saved for last.

There are a multitude of portraits hanging around the house like ornaments on a tree. Every likeness has its own story, meticulously retold on the crib sheets in each room. Celebrities abound, including David Garrick and Sir Joshua Reynolds, who painted several of the finer images in the house. I have developed a particular affinity for Oliver Goldsmith, of whom Boswell writes, "His person was short, his countenance coarse and vulgar, his deportment that of a scholar awkwardly affecting the easy gentleman. It appears as though I, too, could use a more flattering description of myself!

I regretfully couldn’t stop to try the curry in England; I guess the CityU canteen’s take on the dish will have to do. I did, however, have the opportune task of flirting with the cute Cathay Pacific counter staff who checked me in. She was gorgeous in red, light powder on her cheeks, with real diamond earrings, she said; and her small, delicate face, commanded by a posh British accent rendered her positively irresistible, electrifying. Not only did she grant me an aisle seat but she had the gumption to return my fawning with zest; she must be a pro at this by now.

I saw her again as she was pulling double-duty, collecting tickets prior to boarding. She remembered my quest for curry; and in the fog of infatuation, where nary a man has been made, I fumbled my words like the sloppy kid who has had too much punch. I am just an amateur, alas, an "Oliver Goldsmith" with the ladies – I got no game – booyah!

Some final, consequential bits: because of the chavs, Burberry no longer sells those fashionable baseball caps; because of the IRA, rubbish bins are no longer a commodity on the streets of London, and as a result, the streets and the Underground of the city are a soiled mess; and because of other terrorists from distant, more arid lands, going through a Western airport has taken on the tedium of perfunctory procedure that doesn’t make me feel any safer from my invisible enemies.

At last, I saw so many Indians working at Heathrow that I could have easily mistaken the place for Mumbai. Their presence surprised me because their portion of the general population surely must be less than their portion of Heathrow staff, indicating some mysterious hiring bias. Regardless, they do a superb job with cursory airport checks, and in general are absurdly funny and witty when not tactless.

That’s all for England!

Buckingham Palace Security
credit cards for no credit history

Image by Wootang01
9.4.09
The flight arrived on time; and the twelve hours while on board passed quickly and without incident. To be sure, the quality of the Cathay Pacific service was exemplary once again.

Heathrow reminds me of Newark International. The décor comes straight out of the sterile 80′s and is less an eyesore than an insipid background to the rhythm of human activity, such hustle and bustle, at the fore. There certainly are faces from all races present, creating a rich mosaic of humanity which is refreshing if not completely revitalizing after swimming for so long in a sea of Chinese faces in Hong Kong.

Internet access is sealed in England, it seems. Nothing is free; everything is egregiously monetized from the wireless hotspots down to the desktop terminals. I guess Hong Kong has spoiled me with its abundant, free access to the information superhighway.

11.4.09
Despite staying in a room with five other backpackers, I have been sleeping well. The mattress and pillow are firm; my earplugs keep the noise out; and the sleeping quarters are as dark as a cave when the lights are out, and only as bright as, perhaps, a dreary rainy day when on. All in all, St. Paul’s is a excellent place to stay for the gregarious, adventurous, and penurious city explorer – couchsurfing may be a tenable alternative; I’ll test for next time.

Yesterday Connie and I gorged ourselves at the borough market where there were all sorts of delectable, savory victuals. There was definitely a European flavor to the food fair: simmering sausages were to be found everywhere; and much as the meat was plentiful, and genuine, so were the dairy delicacies, in the form of myriad rounds of cheese, stacked high behind checkered tabletops. Of course, we washed these tasty morsels down with copious amounts of alcohol that flowed from cups as though amber waterfalls. For the first time I tried mulled wine, which tasted like warm, rancid fruit punch – the ideal tonic for a drizzling London day, I suppose. We later killed the afternoon at the pub, shooting the breeze while imbibing several diminutive half-pints in the process. Getting smashed at four in the afternoon doesn’t seem like such a bad thing anymore, especially when you are having fun in the company of friends; I can more appreciate why the English do it so much!

Earlier in the day, we visited the Tate Modern. Its turbine room lived up to its prominent billing what with a giant spider, complete with bulbous egg sac, anchoring the retrospective exhibit. The permanent galleries, too, were a delight upon which to feast one’s eyes. Picasso, Warhol and Pollock ruled the chambers of the upper floors with the products of their lithe wrists; and I ended up becoming a huge fan of cubism, while developing a disdain for abstract art and its vacuous images, which, I feel, are devoid of both motivation and emotion.

My first trip yesterday morning was to Emirates Stadium, home of the Arsenal Gunners. It towers imperiously over the surrounding neighborhood; yet for all its majesty, the place sure was quiet! Business did pick up later, however, once the armory shop opened, and dozens of fans descended on it like bees to a hive. I, too, swooped in on a gift-buying mission, and wound up purchasing a book for Godfrey, a scarf for a student, and a jersey – on sale, of course – for good measure.

I’m sitting in the Westminster Abbey Museum now, resting my weary legs and burdened back. So far, I’ve been verily impressed with what I’ve seen, such a confluence of splendor and history before me that it would require days to absorb it all, when regretfully I can spare only a few hours. My favorite part of the abbey is the poets corner where no less a literary luminary than Samuel Johnson rests in peace – his bust confirms his homely presence, which was so vividly captured in his biography.

For lunch I had a steak and ale pie, served with mash, taken alongside a Guinness, extra cold – 2 degrees centigrade colder, the bartender explained. It went down well, like all the other delicious meals I’ve had in England; and no doubt by now I have grown accustomed to inebriation at half past two. Besides, Liverpool were playing inspired football against Blackburn; and my lunch was complete.

Having had my fill of football, I decided to skip my ticket scalping endeavor at Stamford Bridge and instead wandered over to the British Museum to inspect their extensive collections. Along the way, my eye caught a theater, its doors wide open and admitting customers. With much rapidity, I subsequently checked the show times, saw that a performance was set to begin, and at last rushed to the box office to purchase a discounted ticket – if you call a 40 pound ticket a deal, that is. That’s how I grabbed a seat to watch Hairspray in the West End.

The show was worth forty pounds. The music was addictive; and the stage design and effects were not so much kitschy as delightfully stimulating – the pulsating background lights were at once scintillating and penetrating. The actors as well were vivacious, oozing charisma while they danced and delivered lines dripping in humor. Hairspray is a quality production and most definitely recommended.

12.4.09
At breakfast I sat across from a man who asked me to which country Hong Kong had been returned – China or Japan. That was pretty funny. Then he started spitting on my food as he spoke, completely oblivious to my breakfast becoming the receptacle in which the fruit of his inner churl was being placed. I guess I understand the convention nowadays of covering one’s mouth whilst speaking and masticating at the same time!

We actually conversed on London life in general, and I praised London for its racial integration, the act of which is a prodigious leap of faith for any society, trying to be inclusive, accepting all sorts of people. It wasn’t as though the Brits were trying in vain to be all things to all men, using Spanish with the visitors from Spain, German with the Germans and, even, Hindi with the Indians, regardless of whether or not Hindi was their native language; not even considering the absurd idea of encouraging the international adoption of their language; thereby completely keeping English in English hands and allowing its proud polyglots to "practice" their languages. Indeed, the attempt of the Londoners to avail themselves of the rich mosaic of ethnic knowledge, and to seek a common understanding with a ubiquitous English accent is an exemplar, and the bedrock for any world city.

I celebrated Jesus’ resurrection at the St. Andrew’s Street Church in Cambridge. The parishioners of this Baptist church were warm and affable, and I met several of them, including one visiting (Halliday) linguistics scholar from Zhongshan university in Guangzhou, who in fact had visited my tiny City University of Hong Kong in 2003. The service itself was more traditional and the believers fewer in number than the "progressive" services at any of the charismatic, evangelical churches in HK; yet that’s what makes this part of the body of Christ unique; besides, the message was as brief as a powerpoint slide, and informative no less; the power word which spoke into my life being a question from John 21:22 – what is that to you?

Big trees; exquisite lawns; and old, pointy colleges; that’s Cambridge in a nutshell. Sitting here, sipping on a half-pint of Woodforde’s Wherry, I’ve had a leisurely, if not languorous, day so far; my sole duty consisting of walking around while absorbing the verdant environment as though a sponge, camera in tow.

I am back at the sublime beer, savoring a pint of Sharp’s DoomBar before my fish and chips arrive; the drinking age is 18, but anyone whose visage even hints of youthful brilliance is likely to get carded these days, the bartender told me. The youth drinking culture here is almost as twisted as the university drinking culture in America.

My stay in Cambridge, relaxing and desultory as it may be, is about to end after this late lunch. I an not sure if there is anything left to see, save for the American graveyard which rests an impossible two miles away. I have had a wonderful time in this town; and am thankful for the access into its living history – the residents here must demonstrate remarkable patience and tolerance what with so many tourists ambling on the streets, peering – and photographing – into every nook and cranny.

13.4.09
There are no rubbish bins, yet I’ve seen on the streets many mixed race couples in which the men tend to be white – the women also belonging to a light colored ethnicity, usually some sort of Asian; as well saw some black dudes and Indian dudes with white chicks.

People here hold doors, even at the entrance to the toilet. Sometimes it appears as though they are going out on a limb, just waiting for the one who will take the responsibility for the door from them, at which point I rush out to relieve them of such a fortuitous burden.

I visited the British Museum this morning. The two hours I spent there did neither myself nor the exhibits any justice because there really is too much to survey, enough captivating stuff to last an entire day, I think. The bottomless well of artifacts from antiquity, drawing from sources as diverse as Korea, and Mesopotamia, is a credit to the British empire, without whose looting most of this amazing booty would be unavailable for our purview; better, I think, for these priceless treasures to be open to all in the grandest supermarket of history than away from human eyes, and worst yet, in the hands of unscrupulous collectors or in the rubbish bin, possibly.

Irene and I took in the ballet Giselle at The Royal Opera House in the afternoon. The building is a plush marvel, and a testament to this city’s love for the arts. The ballet itself was satisfying, the first half being superior to the second, in which the nimble dancers demonstrated their phenomenal dexterity in, of all places, a graveyard covered in a cloak of smoke and darkness. I admit, their dance of the dead, in such a gloomy necropolis, did strike me as, strange.

Two amicable ladies from Kent convinced me to visit their hometown tomorrow, where, they told me, the authentic, "working" Leeds Castle and the mighty interesting home of Charles Darwin await.

I’m nursing a pint of Green King Ruddles and wondering about the profusion of British ales and lagers; the British have done a great deed for the world by creating an interminable line of low-alcohol session beers that can be enjoyed at breakfast, lunch, tea and dinner; and their disservice is this: besides this inexhaustible supply of cheap beer ensnaring my inner alcoholic, I feel myself putting on my freshman fifteen, almost ten years after the fact; I am going to have to run a bit harder back in Hong Kong if I want to burn all this malty fuel off.

Irene suggested I stop by the National Art Gallery since we were in the area; and it was an hour well spent. The gallery currently presents a special exhibit on Picasso, the non-ticketed section of which features several seductive renderings, including David spying on Bathsheba – repeated in clever variants – and parodies of other masters’ works. Furthermore, the main gallery houses two fabulous portraits by Joshua Reynolds, who happens to be favorite of mine, he in life being a close friend of Samuel Johnson – I passed by Boswells, where its namesake first met Johnson, on my way to the opera house.

14.4.09
I prayed last night, and went through my list, lifting everyone on it up to the Lord. That felt good; that God is alive now, and ever present in my life and in the lives of my brothers and sisters.

Doubtless, then, I have felt quite wistful, as though a specter in the land of the living, being in a place where religious fervor, it seems, is a thing of the past, a trifling for many, to be hidden away in the opaque corners of centuries-old cathedrals that are more expensive tourist destinations than liberating homes of worship these days. Indeed, I have yet to see anyone pray, outside of the Easter service which I attended in Cambridge – for such an ecstatic moment in verily a grand church, would you believe that it was only attended by at most three dozen spirited ones. The people of England, and Europe in general, have, it is my hope, only locked away the Word, relegating it to the quiet vault of their hearts. May it be taken out in the sudden pause before mealtimes and in the still crisp mornings and cool, silent nights. There is still hope for a revival in this place, for faith to rise like that splendid sun every morning. God would love to rescue them, to deliver them in this day, it is certain.

I wonder what Londoners think, if anything at all, about their police state which, like a vine in the shadows, has taken root in all corners of daily life, from the terrorist notifications in the underground, which implore Londoners to report all things suspicious, to the pair of dogs which eagerly stroll through Euston. What makes this all the more incredible is the fact that even the United States, the indomitable nemesis of the fledgling, rebel order, doesn’t dare bombard its citizens with such fear mongering these days, especially with Obama in office; maybe we’ve grown wise in these past few years to the dubious returns of surrendering civil liberties to the state, of having our bags checked everywhere – London Eye; Hairspray; and The Royal Opera House check bags in London while the museums do not; somehow, that doesn’t add up for me.

I’m in a majestic bookshop on New Street in Birmingham, and certainly to confirm my suspicions, there are just as many books on the death of Christianity in Britain as there are books which attempt to murder Christianity everywhere. I did find, however, a nice biography on John Wesley by Roy Hattersley and The Screwtape Letters by C.S. Lewis. I may pick up the former.

Lunch with Sally was pleasant and mirthful. We dined at a French restaurant nearby New Street – yes, Birmingham is a cultural capitol! Sally and I both tried their omelette, while her boyfriend had the fish, without chips. Conversation was light, the levity was there and so was our reminiscing about those fleeting moments during our first year in Hong Kong; it is amazing how friendships can resume so suddenly with a smile. On their recommendation, I am on my way to Warwick Castle – they also suggested that I visit Cadbury World, but they cannot take on additional visitors at the moment, the tourist office staff informed me, much to my disappointment!

Visiting Warwick Castle really made for a great day out. The castle, parts of which were established by William the Conquerer in 1068, is as much a kitschy tourist trap as a meticulous preservation of history, at times a sillier version of Ocean Park while at others a dignified dedication to a most glorious, inexorably English past. The castle caters to all visitors; and not surprisingly, that which delighted all audiences was a giant trebuchet siege engine, which for the five p.m. performance hurled a fireball high and far into the air – fantastic! Taliban beware!

15.4.09
I’m leaving on a jet plane this evening; don’t know when I’ll be back in England again. I’ll miss this quirky, yet endearing place; and that I shall miss Irene and Tom who so generously welcomed me into their home, fed me, and suffered my use of their toilet and shower goes without saying. I’m grateful for God’s many blessings on this trip.

On the itinerary today is a trip to John Wesley’s home, followed by a visit to the Imperial War Museum. Already this morning I picked up a tube of Oilatum, a week late perhaps, which Teri recommended I use to treat this obstinate, dermal weakness of mine – I’m happy to report that my skin has stopped crying.

John Wesley’s home is alive and well. Services are still held in the chapel everyday; and its crypt, so far from being a cellar for the dead, is a bright, spacious museum in which all things Wesley are on display – I never realized how much of an iconic figure he became in England; at the height of this idol frenzy, ironic in itself, he must have been as popular as the Beatles were at their apex. The house itself is a multi-story edifice with narrow, precipitous staircases and spacious rooms decorated in an 18th century fashion.

I found Samuel Johnson’s house within a maze of red brick hidden alongside Fleet Street. To be in the home of the man who wrote the English dictionary, and whose indefatigable love for obscure words became the inspiration for my own lexical obsession, this, by far, is the climax of my visit to England! The best certainly has been saved for last.

There are a multitude of portraits hanging around the house like ornaments on a tree. Every likeness has its own story, meticulously retold on the crib sheets in each room. Celebrities abound, including David Garrick and Sir Joshua Reynolds, who painted several of the finer images in the house. I have developed a particular affinity for Oliver Goldsmith, of whom Boswell writes, "His person was short, his countenance coarse and vulgar, his deportment that of a scholar awkwardly affecting the easy gentleman. It appears as though I, too, could use a more flattering description of myself!

I regretfully couldn’t stop to try the curry in England; I guess the CityU canteen’s take on the dish will have to do. I did, however, have the opportune task of flirting with the cute Cathay Pacific counter staff who checked me in. She was gorgeous in red, light powder on her cheeks, with real diamond earrings, she said; and her small, delicate face, commanded by a posh British accent rendered her positively irresistible, electrifying. Not only did she grant me an aisle seat but she had the gumption to return my fawning with zest; she must be a pro at this by now.

I saw her again as she was pulling double-duty, collecting tickets prior to boarding. She remembered my quest for curry; and in the fog of infatuation, where nary a man has been made, I fumbled my words like the sloppy kid who has had too much punch. I am just an amateur, alas, an "Oliver Goldsmith" with the ladies – I got no game – booyah!

Some final, consequential bits: because of the chavs, Burberry no longer sells those fashionable baseball caps; because of the IRA, rubbish bins are no longer a commodity on the streets of London, and as a result, the streets and the Underground of the city are a soiled mess; and because of other terrorists from distant, more arid lands, going through a Western airport has taken on the tedium of perfunctory procedure that doesn’t make me feel any safer from my invisible enemies.

At last, I saw so many Indians working at Heathrow that I could have easily mistaken the place for Mumbai. Their presence surprised me because their portion of the general population surely must be less than their portion of Heathrow staff, indicating some mysterious hiring bias. Regardless, they do a superb job with cursory airport checks, and in general are absurdly funny and witty when not tactless.

That’s all for England!

Cool Can T Pay My Bills images

Some cool can t pay my bills images:

Aua! Ich hab’ne blase! — Ouch! I’ve got a blister! …..item 2..Texas judge beating video causing outrage — His daughter, Hillary, wails and pleads for him to stop (November 2, 2011) …
can t pay my bills

Image by marsmet461
Texas has the death penalty and we use it! That’s right. You kill somebody in Texas, we will kill you right back! That’s our policy! ….Ron White …a/k/a Tater Salad…

…….***** All images are copyrighted by their respective authors ……
.
………………………………………………………………………………………………………………………………………………………………………
.
…..item 1)…DEATH, ANYONE???…Dr. Death….Jack Kevorkian….img code photo

cache.gawkerassets.com/assets/images/12/2011/06/kevotop.jpg
.
……………………………………………………………………………………………………………………………………………………………………..
.
……item 2)…. CBS NEWS … www.cbsnews.com

November 2, 2011 11:19 PM
Texas judge beating video causing outrage
.
………………………………………..

img code photo…

i.i.com.com/cnwk.1d/i/tim/2011/11/02/JUDGE1_244x183.jpg

Judge William Adams (Aransas County Court)

………………………………………..
.
.
………………………………………..

img code photo…..

i.i.com.com/cnwk.1d/i/tim/2011/11/02/hillary_adams_AP1111…

Hillary Adams, daughter of Aransas County Court-at-Law Judge William Adams, walks outside her mother’s home in Portland, Texas Wednesday, Nov. 2, 2011. (Credit: AP Photo/Chris Sherman)

………………………………………..
.
.
www.cbsnews.com/8301-201_162-57316508/texas-judge-beating…

(CBS/AP) PORTLAND, Texas – Police launched an investigation Wednesday into a Texas family law judge whose daughter posted a YouTube video of him savagely beating her with a belt during a tirade several years ago when she was a teenager.

The incident has resulted in a deluge of phone calls, emails and visits to the courthouse where Aransas County Court-at-Law Judge William Adams works, reports the American Bar Association Journal. Additionally, the ABA Journal reports that "Adams has agreed to take paid leave, his office has been closed and security has been enhanced at the courthouse. Jury duty has also been canceled for two days."

The nearly 8-minute video, which had been viewed more than 600,000 times since it was uploaded last week, shows Adams lashing his then-16-year-old daughter in the legs more than a dozen times and growing increasingly irate while she screams and refuses to turn over on a bed to be beaten.

"Lay down or I’ll spank you in your (expletive) face," Adams screams. His daughter, Hillary, wails and pleads for him to stop.

Tim Jayroe, the police chief in William Adams’ hometown of Rockport, a Gulf Coast community about 200 miles south of Houston, said Wednesday that he’s asked the Texas Rangers to assist in investigating whether the video shows anything criminal happened. He said his department began investigating after receiving phone calls from several concerned people who watched the secretly recorded 2004 video.

No one answered the door at William Adams’ home in Rockport on Wednesday, and repeated calls to his office rang unanswered. However, the 51-year-old judge told Corpus Christi television station KZTV on Wednesday that the video "looks worse than it is," and that he doesn’t expect to be disciplined or punished because of it.

"In my mind, I haven’t done anything wrong other than discipline my child after she was caught stealing," Adams said. "And I did lose my temper, but I’ve since apologized."

Hillary Adams, daughter of Aransas County Court-at-Law Judge William Adams, walks outside her mother’s home in Portland, Texas Wednesday, Nov. 2, 2011. (Credit: AP Photo/Chris Sherman)
Reached at her mother’s home in Portland, Texas, Hillary Adams told The Associated Press that her father became irate after she was caught illegally downloading media files she hadn’t paid for. She said she feels some regret over posting the video because she said she doesn’t want to see her father punished, but that she hopes it will spur him to seek help.

"He’s supposed to be a judge who exercises fit judgment," she said.

Aransas County Sheriff Bill Mills said that since the video was posted, William Adams has received threatening phone calls and faxes at the courthouse.

"People are upset, understandably upset. But emotions can’t really run this thing," Mills said.

On Wednesday, a neighbor said she saw Adams packing up to leave with bags, a briefcase, clothes and rifles, which his girlfriend carried to the truck.

"He looked like he was here for a purpose," said Stephanie Perry, who lives across the street.

A secretary for the William Adams’ attorney, William Dudley, said Wednesday that Dudley was unavailable to comment.

In the video, Adams is apparently unaware the camera is on when he enters the room, turns off the light and tries forcing his daughter onto the bed to be beaten.

"Go get the belt. The big one. I’m going to spank her now," Adams is heard saying in the clip’s opening seconds.

A few minutes into the video, a woman appears and barks at the girl to "turn over like a 16-year-old and take it! Like a grown woman!" For about a minute, the ordeal appears to have ended after both adults leave the room and shut the door. But the judge then storms back into the room and the beating resumes.

Hillary Adams said she set up the camera because she knew "something was about to happen." Toward the end of the video, her father shouts that he plans to beat the girl "into submission" and rants about having a computer in the house and the problems it causes. The video ends with the adult woman telling her to leave the room and sleep on the sofa.

Elected in 2001, Adams draws an annual salary of 8,055 as Aransas County’s top judge. He dealt with at least 349 family law cases in the past year, nearly 50 of which involved state caseworkers seeking to determine whether parents were fit to raise their children.

Texas’ Department of Family and Protective Services is aware of the video and "will take the appropriate steps in this matter," agency spokesman Patrick Crimmins said in an email. He said the agency would have no further comment.

Steve Fischer, a longtime attorney in Rockport, called Adams fair and a "better than average" judge. He said Adams sometimes shows anger, but not in a way that would be considered unusual.

Children’s advocates roundly condemned the beating as abuse. However, investigators may decide that the judge’s actions, while shocking to many, weren’t criminal.

The lines between what’s deemed child abuse and what’s considered an acceptable level of discipline differ in various parts of the country and among various social groups, though the use of objects such as belts and sticks is usually seen as beyond any normal physical punishment, said David Finkelhor, a University of New Hampshire sociology professor who heads the school’s Crimes against Children Research Center.

Jim Hopper, a clinical instructor in psychology at Harvard Medical School and a child abuse expert, said there is no doubt that the judge’s actions crossed the line.

"This is an act of brutal violence," Hopper said.

"To beat someone into submission is not discipline. To beat a child into submission makes it harder for that child to take in rules and the values that the parent believes they are imposing on the child."

Hillary Adams’ parents divorced in 2007 after 22 years of marriage, according to court records. The divorce petition states that "the marriage has become insupportable because of discord or conflict of personalities," but a counter-petition filed by Adams’ ex-wife states that the divorce was filed under grounds of "mental cruelty."

Court records show that the couple had another daughter who was 6 at the time.
.
……………………………………………………………………………………………………………………………………………………………………….
.
.

The sixty four brick flickr page! Please leave a note.
can t pay my bills

Image by robpatrick
Please pick a brick and leave a note. Thanks to sbluerock for the idea.

my bag contents on a special day
can t pay my bills

Image by tnarik
today it’s a special day. I’m working on Saturday and the office is empty (I’m giving support to the test of a project, so it really isn’t active work).
so I carried "all" my special stuff to try to enjoy the day (or do something useful).
some of this things where giving me for today. some I carry all the time.

I wanted to document this, so I have spent quite a lot of time profusely adding notes to this photo. it’s funny and interesting, a good way to spend the time, but it distracts me from other things I should be doing, like further developing Ook? Video Ook!. anyway, I have all the day to spend.

Cool Can T Pay My Bills images

A few nice can t pay my bills images I found:

Now give me money that’s what I want
can t pay my bills

Image by SIRHENRYB.is ****the dreamer****
The best things in life are free

But you can keep them for the birds and bees

Now give me money that’s what I want

That’s what I want, yeah

That’s what I want

You’re lovin’ gives me a thrill

But you’re lovin’ don’t pay my bills

Now give me money that’s what I want

That’s what I want, yeah

That’s what I want

Money don’t get everything it’s true

What it don’t get, I can’t use

Now give me money that’s what I want

That’s what I want, yeah

That’s what I want, wah

Money don’t get everything it’s true

What it don’t get, I can’t use

Now give me money that’s what I want

That’s what I want, yeah

That’s what I want

Well now give me money

Ow, money

Wow, yeah, I wanna be free

Oh I want money

That’s what I want, that’s what I want, well

Now give me moneyow, money

Wow, yeah, you need money now, give me money

That’s what I want, yeah

that’s what I want, yeah

With The Beatles

Cool High Risk Business Loans images

A few nice high risk business loans images I found:

A suggested manifesto for #occupywallst. Text in NOTES and below.
high risk business loans

Image by bpende
EDITOR NOTE: Errors in spelling and punctuation are mine alone.

Our ‘specific’ demands:

- Accountability
- Transparency
- Regulatory Reform
- Economic Fairness

Here are some suggestions for a manifesto for the Occupy Wall Street protests, which are currently taking place. The manifesto attempts to summarize common concerns about current banking practices and articulate a new agenda for a better system. (The banks are busy lobbying lawmakers and the Administration every day. The public must be given equal access to demand a better system.)*

==A Manifesto for Better Banking==

(The current banking system is both a cause and an intrinsic part of our current economic and political crisis.) The system encourages excessive risk and profit taking, and discourages long term sustainable investment and lending practices, and marginalizes the poorest and most needy from the banking system altogether. (Worst of all, the risk – and thus profit – are effectively insured by the taxpayer. The public is in effect subsidizing Wall Street profits.)*

We do not hate bankers, but we hate the system. It is time to change it. We have five key demands and proposals. These are not only for the government to adopt; everyone across the country, who wants to change the system can help to(o?). (We demand a better banking system – one where risk is not passed to the taxpayer, but which supports sustainable enterprise) and embodies values other than pure profit-making.

(1. The Past. We demand an independent inquiry into the credit crisis, and, if necessary, prosecutions of those guilty of deception or fraud. The inquiry must name names, identify lessons and hold those responsible properly to account.)*

(2. The Future. We demand effective banking legislation to curb excessive and risky lending, but to sustain credit for businesses, particularly small businesses, in lean times.)*

3. In particular, these reforms must include the following: requirements for greater high-quality capital reserves: the separation of retail from investment banking: legislation to encourage and support local, cooperative banking, and micro-credit for those routinely denied loans and banking services.

(4. The Politics. One problem of the current and unjust system is that the big banks enjoy unequaled access to the political system. This tilts the political system to provide for their needs over others. We demand equal access:)* in particular the Administration must provide a full list of every meeting with representatives of Wall Street banks with the White House, Fed and other government officials. We demand equal access to put the public’s requirements on the table.

5. We encourage everyone to demand but also adopt "better banking". We should withdraw our money from those banks that are agressively lobbying for their own interest over the public’s (JP Morgan Chase is a particular example). We should instead deposit our money in cooperative and community banks, and credit unions. (We shall also work, with bankers and other supporters, to establish a new national cooperative bank, owned by and run for its depositors and borrowers, not its share-holders.)

Steven F. Udvar-Hazy Center: View of south hangar, including B-29 Superfortress “Enola Gay”, a glimpse of the Air France Concorde, and many others
high risk business loans

Image by Chris Devers
Quoting Smithsonian National Air and Space Museum | Boeing B-29 Superfortress "Enola Gay":

Boeing’s B-29 Superfortress was the most sophisticated propeller-driven bomber of World War II and the first bomber to house its crew in pressurized compartments. Although designed to fight in the European theater, the B-29 found its niche on the other side of the globe. In the Pacific, B-29s delivered a variety of aerial weapons: conventional bombs, incendiary bombs, mines, and two nuclear weapons.

On August 6, 1945, this Martin-built B-29-45-MO dropped the first atomic weapon used in combat on Hiroshima, Japan. Three days later, Bockscar (on display at the U.S. Air Force Museum near Dayton, Ohio) dropped a second atomic bomb on Nagasaki, Japan. Enola Gay flew as the advance weather reconnaissance aircraft that day. A third B-29, The Great Artiste, flew as an observation aircraft on both missions.

Transferred from the United States Air Force.

Manufacturer:
Boeing Aircraft Co.
Martin Co., Omaha, Nebr.

Date:
1945

Country of Origin:
United States of America

Dimensions:
Overall: 900 x 3020cm, 32580kg, 4300cm (29ft 6 5/16in. x 99ft 1in., 71825.9lb., 141ft 15/16in.)

Materials:
Polished overall aluminum finish

Physical Description:
Four-engine heavy bomber with semi-monoqoque fuselage and high-aspect ratio wings. Polished aluminum finish overall, standard late-World War II Army Air Forces insignia on wings and aft fuselage and serial number on vertical fin; 509th Composite Group markings painted in black; "Enola Gay" in black, block letters on lower left nose.

Cool What Credit Do I Qualify For images

A few nice what credit do I qualify for images I found:

Steven F. Udvar-Hazy Center: South hangar panorama, including Vought OS2U-3 Kingfisher seaplane, B-29 Enola Gay, among others
what credit do I qualify for

Image by Chris Devers
Quoting Smithsonian National Air and Space Museum | Vought OS2U-3 Kingfisher:

The Kingfisher was the U.S. Navy’s primary ship-based, scout and observation aircraft during World War II. Revolutionary spot welding techniques gave it a smooth, non-buckling fuselage structure. Deflector plate flaps that hung from the wing’s trailing edge and spoiler-augmented ailerons functioned like extra flaps to allow slower landing speeds. Most OS2Us operated in the Pacific, where they rescued many downed airmen, including World War I ace Eddie Rickenbacker and the crew of his B-17 Flying Fortress.

In March 1942, this airplane was assigned to the battleship USS Indiana. It later underwent a six-month overhaul in California, returned to Pearl Harbor, and rejoined the Indiana in March 1944. Lt. j.g. Rollin M. Batten Jr. was awarded the Navy Cross for making a daring rescue in this airplane under heavy enemy fire on July 4, 1944.

Transferred from the United States Navy.

Manufacturer:
Vought-Sikorsky Aircraft Division

Date:
1937

Country of Origin:
United States of America

Dimensions:
Overall: 15ft 1 1/8in. x 33ft 9 1/2in., 4122.6lb., 36ft 1 1/16in. (460 x 1030cm, 1870kg, 1100cm)

Materials:
Wings covered with fabric aft of the main spar

Physical Description:
Two-seat monoplane, deflector plate flaps hung from the trailing edge of the wing, ailerons drooped at low airspeeds to function like extra flaps, spoilers.

• • • • •

Quoting Smithsonian National Air and Space Museum | Boeing B-29 Superfortress "Enola Gay":

Boeing’s B-29 Superfortress was the most sophisticated propeller-driven bomber of World War II and the first bomber to house its crew in pressurized compartments. Although designed to fight in the European theater, the B-29 found its niche on the other side of the globe. In the Pacific, B-29s delivered a variety of aerial weapons: conventional bombs, incendiary bombs, mines, and two nuclear weapons.

On August 6, 1945, this Martin-built B-29-45-MO dropped the first atomic weapon used in combat on Hiroshima, Japan. Three days later, Bockscar (on display at the U.S. Air Force Museum near Dayton, Ohio) dropped a second atomic bomb on Nagasaki, Japan. Enola Gay flew as the advance weather reconnaissance aircraft that day. A third B-29, The Great Artiste, flew as an observation aircraft on both missions.

Transferred from the United States Air Force.

Manufacturer:
Boeing Aircraft Co.
Martin Co., Omaha, Nebr.

Date:
1945

Country of Origin:
United States of America

Dimensions:
Overall: 900 x 3020cm, 32580kg, 4300cm (29ft 6 5/16in. x 99ft 1in., 71825.9lb., 141ft 15/16in.)

Materials:
Polished overall aluminum finish

Physical Description:
Four-engine heavy bomber with semi-monoqoque fuselage and high-aspect ratio wings. Polished aluminum finish overall, standard late-World War II Army Air Forces insignia on wings and aft fuselage and serial number on vertical fin; 509th Composite Group markings painted in black; "Enola Gay" in black, block letters on lower left nose.

Sitting (squatting) for a Nadia Strid portrait
what credit do I qualify for

Image by St. Mary’s Episcopal Cathedral – Memphis
Their first official Sunday at St. Mary’s Episcopal Cathedral, Memphis.
Photo by Gary Bridgman(borrowing Nadia Strid’s setup)

Nadia has been photographing St. Mary’s (and the rest of Memphis) since the early 1940′s. She was the first female professional photographer to operate a studio in Memphis.

Nadia Price Strid, in her own words
"It was probably late in 1939 when I started as an apprentice with Avery N. Stratton, an outstanding photographer in Memphis, learning retouching and dark room work. A year later, he paid me .00 a week for 6-8hr. days. It was nearly a year after that when he moved to a new location where he had built a studio to his specifications. A lovely place on newly extended Union Ave. (it is now the Junior League House). It was early December when we moved his mid-town studio and had an opening reception on Sunday December 7, 1941. Then about 4 P. M. someone told us of hearing on the radio (before television} about the bombing of Pearle Harbor! I wanted to do what I could. So I left Avery Stratton’s Studio to go to drafting school and later worked for U.S. Engineers. At that time, they were doing war work. I stayed with them for 13 months. After war work had played out, I went to work for Fisher Air Craft who was making parts for the B25s. I was the plant photographer, which not only included photographs in the plant but IDs and finger printing.
Things were slowing down and I decided to take a summer camp job. I applied to one of the top summer girl’s camps in Wisconsin. The director had just lost her diving instructor and wanted to know if I could teach diving. I had worked on the one-meter board but not the 3-meter. Thought I would try. I did not know I was following the Olympic diving champion, Janie Faunce Manskie. Needless to say, her students were better than I was, but not old enough to teach. A difficult year, but I did go back the next year as the photographer. That summer the war ended. Everyone was rationed on film and paper (plus many other things). I was to put out a catalog with only 2 boxes of24 sheets each of 4/5 film and one box of 100 sheets of 8/1 0 paper. The catalog did have 46 different new photographs. Probably the most difficult assignment I had in all my professional years.
I do remember another difficult assignment when Newburger Cotton Co. called and wanted photographs of their warehouse in action for their prospectus. It was after the season and the warehouse was empty! There was one bale of cotton. I kept putting it in the foreground and shooting around it. Some how it worked and they were pleased.
I once had to do the same thing with people in a church. No one was there except my assistant and the priest. I shot his back at the communion rail to get a good altar view of the priest-giving communion.
The fall after my first year at Camp Nagawicka in Wisconsin, I visited my sister and her husband who was stationed in Louisiana. He was to be sent overseas and said he was going over to drop the last bomb. He could have, I still do not know. However, in the mean time, Billy and I were driving their loaded red conversable back to Memphis and approached a huge cloud of smoke burning leaves late in the afternoon on a beautiful October day. The car was so heavy that it held it’s position in the road, but suddenly I knew we’d been hit. When I saw the grill of a truck facing us. ‘Billy this is it!’ I didn’t know how we’d come out of that alive. The man who hit us was passing the truckload of cotton pickers and being blinded by smoke took our left light, which later identified him. Billy and I both went through our windshields (they were divided at that day and time and not shatter proof). There was just 4" between my seat and the wheel.
I had been a counselor for Camp Woodhaven at Montgomery Bell State Park NW Tennessee the summer before. In 1946, the National Girl Scouts were starting a new program working with seniors as Program Aids, as assistant counselors. They needed a counselor for the group. I did not think I qualified but they wanted to try it, as I loved working with girls that age. Caroline and I had already started our Business and were contracting summer camps for business, which generally meant a week at a time. We had joined the American Camping Association, which is where we made our contacts. I would need to be in Hardy, Arkansas for two or three days while I was supposed to be on the job for Woodhaven. I did take photographs for the Girl Scouts and YWCA in Hardy plus Woodhaven and tried to be a counselor at the same time. The photographs were great but I do not know how good a counselor I was. They were still using the program the last I heard.

The doctor called and flagged a train to get us to Memphis. When we boarded the crowded train, I remember swinging from seat to seat and someone remarked, ‘Oh, my aching back’ and I replied ‘and it’s really aching’.
With a scarred face, I knew finding a job would not be easy. I asked Mr. Stratton if he still needed someone in the darkroom. He gave me a nice raise. The following summer was the year I was the photographer for Camp Nagawicka. That fall Caroline Jenkins, a classmate of my sister’s, also my instructor in Lifesaving and I decided to combine equipment, her movie lights, and my graduation present, the 21/4×31/4 Anniversary Speed Graphic and take children’s photographs. With out a studio, we would go into the homes.
When Caroline and I were planning the business, Helen Geohegan was there but not interested as she was working for a clothing store, but did give us her support. It was Halloween night and we had just taken a photograph of the costumed neighborhood children. All the parents wanted a copy. Caroline was great with children. In fact, she could make anyone laugh. We sat up ’til 4AM making our plans. We named our business ‘Photography by NADIA’ and set up a dark room in the basement of my folk’s apartment on Union Ave. in Memphis. We started by taking babies in the homes, which the mothers loved. Our motto was ‘Let Us Come To You’.

Caroline was working for the local Girl Scouts and had talked me into being a leader for a Mariner Troop. Our troop traveled and did more extensive camping than any other troop in the country. At one point, we had 13 straight camping weekends and I soon burned out. Most of the girls made their money by baby-sitting.
I had been a counselor for Camp Woodhaven at Montgomery Bell State Park NW Tennessee the summer before. In 1946, the National Girl Scouts were starting a new program working with seniors as Program Aids, as assistant counselors. They needed a counselor for the group. I did not think I qualified but they wanted to try it, as I loved working with girls that age. Caroline and I had already started our Business and were contracting summer camps for business, which generally meant a week at a time. We had joined the American Camping Association, which is where we made our contacts. I would need to be in Hardy, Arkansas for two or three days while I was supposed to be on the job for Woodhaven. I did take photographs for the Girl Scouts and YWCA in Hardy plus Woodhaven and tried to be a counselor at the same time. The photographs were great but I do not know how good a counselor I was. They were still using the program the last I heard.

To get started in business, we needed money. As it was near Christmas, a man told me about Department Stores needing something different and attractive to sell for gifts. She had been selling hand painted scarves and ties, but was getting married and would not be doing it any more, would I like to continue? It was the answer to a prayer. We made 0.00 enough to get us started with dark room supplies and film. We needed a larger darkroom enlarger than the one I had. It was not easy borrowing from the bank without credit, but somehow we managed. After we paid it off, I kept borrowing, put the money aside, paid the interest, and gradually borrowed more until I built up a fair credit.

It was one 5th of July 1959 when I returned home and Billy, my sister, asked me what happened to me on the 4th at 6:00AM? I quickly replied that I was in bed at that hour, and then I remembered that a few of the counselors at Camp Monterey where I was taking photographs, were going horse back riding early and did I want to join them? We went to an open field and just let the horses run. There was a big stump in the way of my mount, which we both saw at the same time. He went one way and I the other and off! Holding onto his reins, I saw a big hoof coming down just in time to turn. His hoof caught my hair. I nervously remounted and joined the group. I ask Billy why she asked. She said my riding picture that Mother had painted with a red riding habit, had fallen off the wall It was a good portrait, but always embarrassed me as only the hunt master wears the red. The time of the falling was the same time I had fallen, as East Tennessee was on daylight savings time. Twenty years later, that same portrait fell off the wall on July 4th! My first husband, Bill Bates, and I were living north of Quitman at the time.

It must have been May of 1959 when Les Passes Hospital was to be dedicated. I had taken photographs of all the living and copies of the past deceased presidents to be hung in one of the corridors. When I knew they were to be hung on a concrete block wall, I had called the archbishop to find out what size nails were needed. I was prepared but a little late as the janitor was leaving and gave me af1imsy hammer to use. Not my job, but if they were to be hung, I guess it was up to me. The two women from Les Passé didn’t know anything about a hammer. The first nail I tried to hammer in between the concrete blocks bounced off the opposite wall. The nails kept bending and bouncing. I told the women to stand back before someone got hit. The contractor had not honored the architect’s wishes. It was a difficult job. About the third picture we were hanging, the nail bounced into my left EYE. "As deep as it could go with out going through" to quote the doctor later. As there was no pain, I told the women what I thought had happened, one laughed and the other nearly fainted. I decided not to tell anyone else. We did finish the job. I drove back to the studio, still wondering. The next day was Sunday. As I sang in the choir, I closed my right eye to see if the left was OK. That afternoon was the hospital dedication I As I stood in the sun, my eye began to throb. Maybe I had a bit of a headache, I don’t remember, but when I met my mend, Alice Crocket to go to an afternoon musical she ask me what I had done to my eye, and I ask why she asked? She said my eye was all blood shot. I put on dark glasses and when we reached the home of a mend whose party we were going to, she made me call my ophthalmologist. The same one that had stitched up the same eye fourteen years before. He told me to come in first thing in the morning. I did not tell Mother or my sister, as they were Christian Scientists. Papa drove me to the doctor. It was about 11:00 AM before he could see me. About four doctors and attendants were standing over me burning out infection. I was supposed to look at one spot on the wall with doctors moving back and forth between the spot and me. God helped me and they did a superb job. Two more hours and the insurance would not have covered it. That was my dominant eye and they burned out all the infection. I later learned that my odds were about a million to one of seeing again! Several months later I met a meant and ask him if he minded if I asked what happened to him since he was wearing a glass eye. He replied that he struck a nail in his eye. The goose bumps ran up and down my spine!

One month and a day later thrombosis appeared! A blood clot behind the retina. It was dissolved and in due time disappeared. God has been good to this child of his. He is making me realize that the greatest vision is understanding and love. The love of our neighbors.

Another assignment I remember, where Caroline and I were covering a wedding. in Hernando, Mississippi (I believe). The home was an old one remodeled. The dogtrot had been enclosed. The groom was running late as he was flying in from New York and his plane was late. Folks seemed a little tense. I was taking a group shot, when I climbed on an antique chair, after taking my shoes off when I heard a thunderous crack. I disappeared. I just knew I had ruined that old chair! With the weight of so many folks, the floor caved in. They finally found me and the show went on. They all had a good laugh about me.

Driving home on the 5th of July from Camp Monterey after a week of taking photographs of all the camp activities, I came over a hill in middle Tennessee, and realized the car in front of me was stopped or slowed down. I saw the funeral line coming in the opposite direction. It was probably 1959, and I was in my Plymouth. It was a beautiful sunny day, but the car that had been far behind me, ran me down when he came over the hill. He was going to fast to stop. He swung to the right; hit a mailbox on the right, with through his rear into my rear, and my car into the cousins of the funeral line. I had cameras thrown across the highway. I was jolted, I had a whiplash and badly shaken but O.K. I picked up the cameras and started taking photographs, but I never had to show them. They knew I had them. My car was so old that the cameras were worth more than the car. They did give me more than the car was worth. I guess they were glad I didn’t have large medical bills. I waited almost the eleven months and 29 days according to Tennessee law. I bought another second hand vehicle, which turned out to be a "lemon" God has really taken care of this chick through the years.

One of the nicest rewards in photography is the people we meet. The knew young and rich were always reaching for something they did not have, never satisfied with life and grabbing for more of what ever. Hard to satisfy and hard to photograph. I guess they did not know how to relax. On the other hand the leaders, presidents, CEOs were generally, for the most part agreeable, good natured, happy, satisfied, inspirational and generally offering some good advice which made them much easier to photograph. And then one I was always glad to have met.

One of these people was Eva Jessey who directed Porgy and Bess. She was in Memphis for a performance at our Little Theater. A mutual men and reporter from New Orleans was in town and brought her by the studio. I took her photograph. It was a real pleasure. My husband, Bill Bates, and I took her to dinner. But in the seventies finding a restaurant was not easy. I called a place where Bill and I ate a good bit and they put us in a luncheon room where there were only a few people which was fine with us as we could visit better."

Nadia Strid
June 2000

Cool How To Get Money To Pay Bills images

A few nice how to get money to pay bills images I found:

The Saint Detective Magazine (July 1955) .. Reverend Bill Proctor — referred to himself as an “indentured slave to the state.” (June 20, 2011) …..item 2..We are not his preferred constituents. (Feb 9, 2012 at 01:54 PM) …
how to get money to pay bills

Image by marsmet462
The Internal Revenue Service, by way of a legal process called garnishment, is taking ,386 from Proctor’s commissioner salary for unpaid taxes based on income generated from 2006 through 2009, according to a June 1 letter from the county’s human resources department. The county is ordered to deduct ,111 per month from Proctor’s ,130 annual salary until the debt is paid off.
.
…….***** All images are copyrighted by their respective authors ……..
.
……………………………………………………………. ……………………………………………………………. ………………………………………………
.

…..item 1)…. FloridaToday.com ……IRS to garnish nearly K from Proctor’s commission paycheck

11:51 PM, Jun. 20, 2011

Written by
TaMaryn Waters

FILED UNDER
News
Local News

www.floridatoday.com/article/CD/20110621/NEWS01/106210319…

By the end of this month, Leon County Commissioner Bill Proctor will receive a county paycheck that’s significantly less than what he’s bringing home now.

The Internal Revenue Service, by way of a legal process called garnishment, is taking ,386 from Proctor’s commissioner salary for unpaid taxes based on income generated from 2006 through 2009, according to a June 1 letter from the county’s human resources department. The county is ordered to deduct ,111 per month from Proctor’s ,130 annual salary until the debt is paid off.

Proctor, who represents District 1 and also is a political-science instructor at Florida A&M University, told the Tallahassee Democrat on Monday he feels like he’s been served a "humanitarian gut check."

After quoting various Bible scriptures, he said the garnishment may make him a better commissioner. Proctor said he will be more sensitive to the needs of other residents who are living with very little or less compared to previous years.

"I will learn how to fast and learn how to pray," said Proctor, an associate minister at Bethel AME Church on Orange Avenue. "I believe there are a lot of people who make less money than me and they make it. This ain’t doomsday."

Proctor, who hired an accountant to handle his tax returns, said he earns approximately ,000 as a FAMU instructor. He said he may need to get another job to make ends meet.

No other county commissioner is bringing home a garnished check, said county spokesman Jon Brown.

Proctor’s paycheck has shrunk before.

In 2005, his commissioner salary was garnished by the IRS and the U.S. Department of Education for unpaid taxes and defaulted student loans.

According to a previous Democrat article, Proctor owed the IRS ,750 in unpaid income taxes, interest and penalties for years 1997-2002. A federal tax lien, which is a hold or claim on property until a debt is paid, was filed in the Leon County Clerk of the Circuit Court on July 18, 2005.

Proctor also still owes ,017 in fines to the Florida Elections Commission for violations dating back to his 1998 campaign. He was charged with 178 violations, and the Elections Commission sought more than 0,000 in fines. A judge later ordered him to pay the lesser amount.

**** end of Page One…….

……………………………………………………………………………………………………………………………………………………………………….

www.floridatoday.com/article/CD/20110621/NEWS01/106210319…

(Page 2 of 2)

In October, Proctor told the Democrat he had no plans to pay the fine anytime soon and referred to himself as an "indentured slave to the state."

When asked if he plans to deal with the election fines in light of his latest garnishment, the four-term commissioner quickly said, "Man, somebody needs to forgive that."

He said the Florida Commission on Ethics voted Friday to write off more than 1,000 in bad debts and fines older than a decade against elected officials. He said the federal and state government picks and chooses who they want to save from outstanding fines.

"The government gives monies to corporations to bail them out, but I’m not in the loop," Proctor said. "I’m the one they take money from, not the one they want to give to."

Proctor said he’s not aware of whether his FAMU check also is being garnished. Although he won’t see a full county check for more than a year, Proctor said, "It’s just money … I’ve been poor before.

"There is nothing I can do to undo what the government can do to me," Proctor said. "They went to my boss and said his check belongs to us."

*** end of Page Two

……………………………………………
.
img code photo… Leon County Commissioner Bill Proctor

cmsimg.floridatoday.com/apps/pbcsi.dll/bilde?Site=CD&…
.
……………………………………………
.
.
.
………………………………………………………………………………………………………………………………………………………………………
.
…..item 2)…… WCTV NEWS … www.wctv.tvwww.wctv.tv/home/headlines

Posted: 10:35 PM Feb 9, 2012

Animal Control Returns to Wide Road Property

Animal control officers say owner making progress, will return for another inspection next week
Reporter: Mike Springer. Julie Montanaro
Email Address: michael.springer@wctv.tv
[UPDATE] Neighbors Tire of Barking Dogs
Neighbors Tire of Barking Dogs

www.wctv.tv/home/headlines/Neighbors_Tire_of_Barking_Dogs…

…..Read Comments…..****** eight (8) comments listed below ******

Comments are posted from viewers like you and do not always reflect the views of this station.

—by Wide Rd. on Feb 9, 2012 at 01:54 PM
Where is our Southside Commissioner?? Mr. Proctor, care to come do your job? His answer would be NO!! We are not his preferred constituents.

—by MissionStatement Location: county on Feb 8, 2012 at 05:12 PM
Animal Control Division Richard Ziegler, Director Animal Control Protecting Leon County’s Animals & Citizens Mission Statement: Improve animal and human well-being through education, prevention, and enforcement programs and humane animal care and control services for the citizens and animals of Leon County. DOES IT LOOK LIKE HE IS LIVING UP TO THE MISSION STATEMENT….NO.

—by Nice mugshot on Feb 7, 2012 at 09:53 AM
h t t p://florida.arrests.org/Arrests/Christine_Winckelmann_3487363/

—by TOLD YA SO Location: WIDE RD on Feb 7, 2012 at 01:42 AM
THANK YOU ANIMAL CONTROL [OFFICERS ONLY] FOR NOT GIVING UP ON US THROUGH THE YEARS NOT YOU RICHARD ZIG YOU ARE A SCUM BAG LIAR AND AN ANIMAL ABUSER TO FOR ALLOWING THIS TO GO ON FOR 12 YRS OF OUR COMPLAINTS .CHRIS !!! CHRIS !!!! TOLD YA SO !!!

—by BURR Location: wide road on Feb 6, 2012 at 11:34 PM
In response to "dont hate the dogs" Yes we have spoken with her and she is very unapproachable and will cuss at you and has flipped us off driving down the road. Shes not a nice lady thats rescuing dogs. Shes a bitter lonely woman with no regards for others or her many dogs as the pictures clearly showed tonite.

—by another viewer Location: tlh on Feb 6, 2012 at 11:23 PM
Yes, she works for the Fire Dept., no she is NOT at all what is normal for them. She is in the process of suing them yet again. Trust me, they would love to be rid of her! As for the dogs, I love dogs, all dogs, but hers have been neglected for years. She has 2 homes, one of hers and one that was left to her by her mother. The dogs have taken over so badly that they are digging under the foundation and it is on the verge of collapse. Her poor child is neglected and yet she still gets away with keeping him by staying just on the right side of the line. Someone PLEASE rescue these animals and the kid! She is in serious need of mental help!!!!

—by enough is enough on Feb 4, 2012 at 07:42 PM
for over a decade Winkelmann has been breeding dogs, she would place ads in the paper selling the husky/hound mix pups. i havent seen her advertise any of the pups for sale in a few years. she did not adopt a dog from the shelter EVER! she doesn’t rescue, she let them breed. this is a case of a few dogs allowed to breed for 10 yrs and producing offspring. and dont blame the evil shelter for her irresponsibility. she’s been offered several vouchers to get her dogs fixed for years. which she refused to do. and now here we are. a decade and nearly a hundred dogs later…

—-by Anonymous on Feb 3, 2012 at 06:35 AM
there is a nuisance law in leon county that can be enforced if the LCSO wants to,i lived in Tallahasee and had a neighbor that had 7 dogs and they would keep us up all night from the barking so we called LCSO and they came out numereous times and the person ended up getting some tickets.
.
………………………………………………………………………………………………………………………………………………………………………..
.
.

Follow the Money.
how to get money to pay bills

Image by eyewash
New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008

VOTE YOUR CONSCIENCE on 04 NOVEMBER 2008!

Photographer: a. golden, eyewash design – c. 2008.

Friends,

The richest 400 Americans — that’s right, just four-hundred people — own MORE than the bottom 150 million Americans COMBINED! 400 of the wealthiest Americans have got more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their wealth has increased by nearly 0 billion — the same amount that they were demanding We give to them for the "bailout." Why don’t they just spend the money they made under Bush to bail themselves out? They’d still have nearly a trillion dollars left over to spread amongst themselves!

Of course, they are not going to do that — at least not voluntarily. George W. Bush was handed a 7 billion surplus when Bill Clinton left office. Because that money was OUR money and not HIS, he did what the rich prefer to do — spend it and never look back. Now we have a .5 trillion debt that will take seven generations from which to recover. Why — on –earth – did — our — "representatives" — give — these — robber — barons — $ US850 BILLION — of – OUR — money?

Last week, proposed my own bailout plan. My suggestions, listed below, were predicated on the singular and simple belief that the rich must pull themselves up by their own platinum bootstraps. Sorry, fellows, but you drilled it into our heads one too many times: THERE…IS…NO…FREE… LUNCH ~ PERIOD! And thank you for encouraging us to hate people on welfare! So, there should have been NO HANDOUTS FROM US TO YOU! Last Friday, after voting AGAINST this BAILOUT, in an unprecedented turn of events, the House FLIP-FLOPPED their "No" Vote & said "Yes", in a rush version of a "bailout" bill vote. IN SPITE OF THE PEOPLE’S OVERWHELMING DISAPPROVAL OF THIS BAILOUT BILL… IN SPITE OF MILLIONS OF CALLS FROM THE PEOPLE CRASHING WASHINGTON "representatives’" PHONE LINES…IN SPITE OF CRASHING OUR POLITICIAN’S WEBSITES…IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY… THEY VOTED FOR THIS BAILOUT! The People first succeeded on Monday with the House, but failed do it with the Senate and then THE HOUSE TURNED ON US TOO!

It is clear, though, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/’ve do/one. So, after consulting with a number of people smarter than Phil Gramm, here’s the proposal, now known as "Mike’s Rescue Plan." (From Michael Moore’s Bailout Plan) It has 10 simple, straightforward points. They are that you DIDN’T, BUT SHOULD’VE:

1. APPOINTED A SPECIAL PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any new money was expended, Congress should have committed, by resolution, to CRIMINALLY PROSECUTE ANYONE who had ANYTHING to do with the attempted SACKING OF OUR ECONOMY. This means that anyone who committed insider trading, securities fraud or any action that helped bring about this collapse should have and MUST GO TO JAIL! This Congress SHOULD HAVE called for a Special Prosecutor who would vigorously go after everyone who created the mess, and anyone else who attempts to scam the public in future. (I like Elliot Spitzer ~ so, he played a little hanky-panky…Wall Street hates him & this is a GOOD thing.)

2. THE RICH SHOULD HAVE PAID FOR THEIR OWN BAILOUT! They may have to live in 5 houses instead of 7. They may have to drive 9 cars instead of 13. The chef for their mini-terriers may have to be reassigned. But there is no way in hell, after forcing family incomes to go down more than ,000 dollars during the Bush years, that working people and the middle class should have to fork over one dime to underwrite the next yacht purchase.

If they truly needed the 0 billion they say they needed, well, here is an easy way they could have raised it:

a) Every couple makeing over a million dollars a year and every single taxpayer who makes over 0,000 a year should pay a 10% surcharge tax for five years. (It’s the Senator Sanders plan. He’s like Colonel Sanders, only he’s out to fry the right chickens.) That means the rich would have still been paying less income tax than when Carter was president. That would have raise a total of 0 billion.

b) Like nearly every other democracy, they should have charged a 0.25% tax on every stock transaction. This would have raised more than 0 billion in a year.

c) Because every stockholder is a patriotic American, stockholders should have forgone receiving a dividend check for ONE quarter and instead this money would have gone the treasury to help pay for the bullsh*t bailout.

d) 25% of major U.S. corporations currently pay NO federal income tax. Federal corporate tax revenues currently amount to 1.7% of the GDP compared to 5% in the 1950s. If we raised the corporate income tax BACK to the levels of the 1950s, this would give us an extra 0 billion.

All of this combined should have been enough to end the calamity. The rich would have gotten to keep their mansions and their servants and our United States government ("COUNTRY FIRST!") would’ve have a little leftover to repair some roads, bridges and schools…

3. YOU SHOULD HAVE BAIL OUT THE PEOPLE LOSING THEIR HOMES, NOT THE PEOPLE WHO WILL BUILD AN EIGHTH HOME! There are 1.3 million homes in foreclosure right now. That is what is at the heart of this problem. So, instead of giving the money to the banks as a gift, they should have paid down each of these mortgages by 0,000. They should have forced the banks to renegotiate the mortgage so the homeowner could pay on its current value. To insure that this help wouldn’t go to speculators and those who tried to making money by flipping houses, the bailout should have only been for people’s primary residences. And, in return for the 0K pay-down on the existing mortgage, the government would have gotten to share in the holding of the mortgage so it could get some of its money back. Thus, the total initial cost of fixing the mortgage crisis at its roots (instead of with the greedy lenders) is 0 billion, not 0 BILLION.

And let’s set the record straight. People who have defaulted on their mortgages are not "bad risks." They are our fellow Americans, and all they wanted was what we all want: a home to call their own. But, during the Bush years, millions of the People lost the decent paying jobs they had. SIX MILLION fell into poverty! SEVEN MILLION lost their health insurance! And, every one of them saw their real wages go DOWN by ,000! Those who DARE look down on these Americans who got hit with one bad break after another should be ASHAMED.! We are a better, stronger, safer and happier society when all of our citizens can afford to live in a home they own.

4. THERE SHOULD HAVE BEEN A STIPULATION THAT IF YOUR BANK OR COMPANY GOT ANY OF OUR MONEY IN A "BAILOUT," THEN WE OWN YOU. Sorry, that’s how it’s done. If the bank gives me money so I can buy a house, the bank "owns" that house until I pay it all back — with interest. Same deal for Wall Street. Whatever money you need to stay afloat, if our government considers you a safe risk — and necessary for the good of the country — then you can get a loan, but WE SHOULD OWN YOU. If you default, we will sell you. This is how the Swedish government did it and it worked.

5. ALL REGULATIONS SHOULD HAVE BEEN BE RESTORED. THE REAGAN REVOLUTION IS DEAD! This catastrophe happened because we let the fox have the keys to the hen-house. In 1999, Phil Gramm authored a bill to remove all the regulations that governed Wall Street and our banking system. The bill passed and Clinton signed it. Here’s what Sen.Phil Gramm, McCain’s chief economic advisor, said at the bill signing:

"In the 1930s … it was believed that government was the answer. It was believed that stability and growth came from government overriding the functioning of free markets.

"We are here today to repeal [that] because we have learned that government is not the answer. We have learned that freedom and competition are the answers. We have learned that we promote economic growth and we promote stability by having competition and freedom.

"I am proud to be here because this is an important bill; it is a deregulatory bill. I believe that that is the wave of the future, and I am awfully proud to have been a part of making it a reality."

FOR THIS NOT TO REOCCUR, This BILL SHOULD HAVE BEEN REPEALED! Bill Clinton could have helped by leading the effort for the repeal of the Gramm bill and the reinstating of even tougher regulations regarding our financial institutions. And when they were done with that, they should have restored the regulations for the airlines, the inspection of our food, the oil industry, OSHA, and every other entity that affects our daily lives. All oversight provisions for any "bailout" should have had enforcement monies attached to them and criminal penalties for all offenders.

6. IF IT’S TOO BIG TO FAIL, THEN THAT MEANS IT’S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the monopoly and anti-trust laws has allowed a number of financial institutions and corporations to become so large, the very thought of their collapse means an even bigger collapse across the entire economy. No ONE or TWO companies should EVER have this kind of power! The so-called "economic Pearl Harbor" can’t happen when you have hundreds — thousands — of institutions where people have their money. When we have a dozen auto companies, if one goes belly-up, we DON’T FACE A NATIONAL DISASTER! If we have three separately-owned daily newspapers in your town, then one media company can’t call all the shots (I know… What am I thinking?! Who reads a paper anymore? Sure glad all those mergers and buyouts left us with a STRONG and "FREE" press!). Laws Should have been enacted to prevent companies from being so large and dominant that with one slingshot to the eye, the GIANT FALLS and DIES. And no institution should be allowed to set up money schemes that NO ONE understands. If you can’t explain it in two sentences, you shouldn’t be taking anyone’s money!

7. NO EXECUTIVE SHOULD EVER BE PAID MORE THAN 40 TIMES THEIR AVERAGE EMPLOYEE, AND NO EXECUTIVE SHOULD RECEIVE ANY KIND OF "PARACHUTE" OTHER THAN THE VERY GENEROUS SALARY HE OR SHE MADE WHILE WORKING FOR THE COMPANY. In 1980, the average American CEO made 45 times what their employees made. By 2003, they were making 254 times what their workers made. After 8 years of Bush, they now make over 400 times what their average employee makes. How We have allowed this to happen at publicly held companies is beyond reason. In Britain, the average CEO makes 28 times what their average employee makes. In Japan, it’s only 17 times! The last I heard, the CEO of Toyota was living the high life in Tokyo. How does he do it on so little money? Seriously, this is an OUTRAGE! We have created the mess we’re in by letting the people at the top become bloated beyond belief with millions of dollars. THIS HAS TO STOP! Not only should no executive who receives help out of this mess profit from it, but any executive who was in charge of running his company into the ground should be FIRED before the company receives ANY help.

8. CONGRESS SHOULD HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT ONLY PEOPLE’S SAVINGS, BUT ALSO THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose expanding FDIC protection of people’s savings in their banks to 0,000. But, this same sort of government insurance must be given to our NEVER have to worry about whether or not the money they’ve put away for their old age will be there. This should have meant strict government oversight of companies who manage their employees’ funds — or perhaps it means the companies should have been forced to turn over those funds and their management to the government? People’s private retirement funds must also be protected, but perhaps it’s time to consider not having one’s retirement invested in the casino known as the stock market??? Our government should have a solemn duty to guarantee that no one who grows old in this country has to worry about becoming destitute.

9. EVERYBODY NEEDS TO TAKE A DEEP BREATH, CALM DOWN, AND NOT LET FEAR RULE THE DAY. Turn off your TVs! We are NOT in the Second Great Depression. The sky is NOT falling, Chicken Little! Pundits and politicians have lied to us so FAST and FURIOUS it’s hard not to be affected by all the fear mongering. Even I wrote to and repeated what I heard on the news last week, that the Dow had the biggest one day drop in its history. Well, that was true in terms of points, but its 7% drop came nowhere close to Black Monday in 1987 when the stock market in one day lost 23% of its value. In the ’80s, 3,000 banks closed, but America didn’t go out of business. These institutions have always had their ups and downs and eventually it works out. It has to, because the rich do not like their wealth being disrupted! They have a vested interest in calming things down and getting back into their Jacuzzis before they slip into their million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.

As crazy as things are right now, tens of thousands of people got a car loan last week. Thousands went to the bank and got a mortgage to buy a home. Students just back to college found banks more than happy to put them into hock for the next 15 years with a student loan. I was even pre-approved for a USK personal loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1% umeployment rate, but that happened last month). Not a single person lost any of his/her monies in bank, or a treasury note, or in a CD. And, the perhaps the most amazing thing is that the American public FINALLY didn’t buy the scare campaign. The citizens didn’t blink, instead telling Congress to take that bailout and shove it. THAT was impressive. Why didn’t the population succumb to the fright-filled warnings from their president and his cronies? Well, you can only say ‘Saddam has the bomb’ so many times before the people realize you’re a lying sack of shit. After eight long years, the nation is worn out and simply can’t take it any longer. The WORLD is fed up & I don’t blame them.

10. THEY SHOULD HAVE CREATED A NATIONAL BANK, A "PEOPLE’S BANK." Since they’re really itching to print up a trillion dollars, instead of giving it to a few rich people, why don’t We give it to ourselves? Now that We own Freddie and Fannie, why not set up a People’s bank? One that can provide low-interest loans for all sorts of people who want to own a home, start a small business, go to school, come up with the cure for cancer or create the next great invention. And, now that we own AIG – the country’s largest insurance company – let’s take the next step and PROVIDE HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE us SO MUCH MONEY in the LONG RUN (not to mention bring peace of mind to all). And, America won’t be 12th on the life expectancy list! We’ll be able to have a longer lifespan, enjoying our government-protected pension and will live to see the day when the corporate criminals who caused this much misery are let out of prison so that We can help re-acclimate them to plain old ordinary, civilian life — a life with ONE nice home and ONE gas-free car invented with help from the People’s Bank.

P.S. Call your Senators NOW !!! —> www.visi.com/juan/congress/

Since they voted against passing the extension of unemployment benefits and skipped out to "campaign" to us to be re-elected…call them and tell them you will vote for the other "guy" if they don’t get their act together!

UPDATE:

The Bailout Is A Truly Evil Disaster And Enabler Pelosi Must Go

We are hearing more and more reports of how badly the ill-advised banker’s bailout is being handled, multi-million dollar bonuses for Paulson’s old cronies at Goldman Sachs, billions going to finance the takeover of rival banks, making the "too big to fail" even bigger, and the taxpayer getting an otherwise rotten deal for their investment. We even heard a Republic senator asking how fast they could blow the money.

NONE of this could have happened without the fawning complicity of Nancy Pelosi, who infamously said it was Bush’s proposal, INSTEAD of coming forward with a robust alternative plan. Just like Bush, she believes she is immune, she believes she is unaccountable, and shame on us if we don’t do everything we can to defeat her this Tuesday, and replace her with Cindy Sheehan.

Here is Cindy’s last TV spot. Please make whatever donation you can to put this ad on the air in these critical final days.

Last Cindy TV Spot Action Page:
www.usalone.com/cindy/donations_tv2.php

There is still time for you to make a real difference. We thank all of our participants who have already donated so generously to make this campaign what it is. For those who cannot make a contribution, please consider helping with the phone banking, and there is a link for that also on the page above.

The one thing we know is that we must continue to speak out. We must continue to challenge. Surrendering is what our current so-called representatives in Congress are so prone to, NOT what we do. Ultimate victory is not only possible, it is assured if we work as hard as we can for real change, not just the rebranding of the same old boys’
network.

And we promise you, immediately after the election we will go right back to work on pure issue advocacy full time, to continue to build the base of action for the future.

Paid for by Cindy Sheehan for Congress

Donations to Cindy Sheehan for Congress are not tax-deductible

Please take action NOW, so we can win all victories that are supposed to be ours, and forward this alert as widely as possible.

If you would like to get alerts like these, you can do so at www.usalone.net/in.htm

Or if you want to cease receiving our messages, just use the function at www.usalone.net/out.htm

Show me the MONEY!
how to get money to pay bills

Image by eyewash
New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008

This is actually a GOOD guy. See: billionairesforbush.com/index.php for more information.

VOTE YOUR CONSCIENCE on 04 NOVEMBER 2008!

Photographer: a. golden, eyewash design – c. 2008.

Friends,

The richest 400 Americans — that’s right, just four-hundred people — own MORE than the bottom 150 million Americans COMBINED! 400 of the wealthiest Americans have got more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their wealth has increased by nearly 0 billion — the same amount that they were demanding We give to them for the "bailout." Why don’t they just spend the money they made under Bush to bail themselves out? They’d still have nearly a trillion dollars left over to spread amongst themselves!

Of course, they are not going to do that — at least not voluntarily. George W. Bush was handed a 7 billion surplus when Bill Clinton left office. Because that money was OUR money and not HIS, he did what the rich prefer to do — spend it and never look back. Now we have a .5 trillion debt that will take seven generations from which to recover. Why — on –earth – did — our — "representatives" — give — these — robber — barons — $ US850 BILLION — of – OUR — money?

Last week, proposed my own bailout plan. My suggestions, listed below, were predicated on the singular and simple belief that the rich must pull themselves up by their own platinum bootstraps. Sorry, fellows, but you drilled it into our heads one too many times: THERE…IS…NO…FREE… LUNCH ~ PERIOD! And thank you for encouraging us to hate people on welfare! So, there should have been NO HANDOUTS FROM US TO YOU! Last Friday, after voting AGAINST this BAILOUT, in an unprecedented turn of events, the House FLIP-FLOPPED their "No" Vote & said "Yes", in a rush version of a "bailout" bill vote. IN SPITE OF THE PEOPLE’S OVERWHELMING DISAPPROVAL OF THIS BAILOUT BILL… IN SPITE OF MILLIONS OF CALLS FROM THE PEOPLE CRASHING WASHINGTON "representatives’" PHONE LINES…IN SPITE OF CRASHING OUR POLITICIAN’S WEBSITES…IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY… THEY VOTED FOR THIS BAILOUT! The People first succeeded on Monday with the House, but failed do it with the Senate and then THE HOUSE TURNED ON US TOO!

It is clear, though, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/’ve do/one. So, after consulting with a number of people smarter than Phil Gramm, here’s the proposal, now known as "Mike’s Rescue Plan." (From Michael Moore’s Bailout Plan) It has 10 simple, straightforward points. They are that you DIDN’T, BUT SHOULD’VE:

1. APPOINTED A SPECIAL PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any new money was expended, Congress should have committed, by resolution, to CRIMINALLY PROSECUTE ANYONE who had ANYTHING to do with the attempted SACKING OF OUR ECONOMY. This means that anyone who committed insider trading, securities fraud or any action that helped bring about this collapse should have and MUST GO TO JAIL! This Congress SHOULD HAVE called for a Special Prosecutor who would vigorously go after everyone who created the mess, and anyone else who attempts to scam the public in future. (I like Elliot Spitzer ~ so, he played a little hanky-panky…Wall Street hates him & this is a GOOD thing.)

2. THE RICH SHOULD HAVE PAID FOR THEIR OWN BAILOUT! They may have to live in 5 houses instead of 7. They may have to drive 9 cars instead of 13. The chef for their mini-terriers may have to be reassigned. But there is no way in hell, after forcing family incomes to go down more than ,000 dollars during the Bush years, that working people and the middle class should have to fork over one dime to underwrite the next yacht purchase.

If they truly needed the 0 billion they say they needed, well, here is an easy way they could have raised it:

a) Every couple makeing over a million dollars a year and every single taxpayer who makes over 0,000 a year should pay a 10% surcharge tax for five years. (It’s the Senator Sanders plan. He’s like Colonel Sanders, only he’s out to fry the right chickens.) That means the rich would have still been paying less income tax than when Carter was president. That would have raise a total of 0 billion.

b) Like nearly every other democracy, they should have charged a 0.25% tax on every stock transaction. This would have raised more than 0 billion in a year.

c) Because every stockholder is a patriotic American, stockholders should have forgone receiving a dividend check for ONE quarter and instead this money would have gone the treasury to help pay for the bullsh*t bailout.

d) 25% of major U.S. corporations currently pay NO federal income tax. Federal corporate tax revenues currently amount to 1.7% of the GDP compared to 5% in the 1950s. If we raised the corporate income tax BACK to the levels of the 1950s, this would give us an extra 0 billion.

All of this combined should have been enough to end the calamity. The rich would have gotten to keep their mansions and their servants and our United States government ("COUNTRY FIRST!") would’ve have a little leftover to repair some roads, bridges and schools…

3. YOU SHOULD HAVE BAIL OUT THE PEOPLE LOSING THEIR HOMES, NOT THE PEOPLE WHO WILL BUILD AN EIGHTH HOME! There are 1.3 million homes in foreclosure right now. That is what is at the heart of this problem. So, instead of giving the money to the banks as a gift, they should have paid down each of these mortgages by 0,000. They should have forced the banks to renegotiate the mortgage so the homeowner could pay on its current value. To insure that this help wouldn’t go to speculators and those who tried to making money by flipping houses, the bailout should have only been for people’s primary residences. And, in return for the 0K pay-down on the existing mortgage, the government would have gotten to share in the holding of the mortgage so it could get some of its money back. Thus, the total initial cost of fixing the mortgage crisis at its roots (instead of with the greedy lenders) is 0 billion, not 0 BILLION.

And let’s set the record straight. People who have defaulted on their mortgages are not "bad risks." They are our fellow Americans, and all they wanted was what we all want: a home to call their own. But, during the Bush years, millions of the People lost the decent paying jobs they had. SIX MILLION fell into poverty! SEVEN MILLION lost their health insurance! And, every one of them saw their real wages go DOWN by ,000! Those who DARE look down on these Americans who got hit with one bad break after another should be ASHAMED.! We are a better, stronger, safer and happier society when all of our citizens can afford to live in a home they own.

4. THERE SHOULD HAVE BEEN A STIPULATION THAT IF YOUR BANK OR COMPANY GOT ANY OF OUR MONEY IN A "BAILOUT," THEN WE OWN YOU. Sorry, that’s how it’s done. If the bank gives me money so I can buy a house, the bank "owns" that house until I pay it all back — with interest. Same deal for Wall Street. Whatever money you need to stay afloat, if our government considers you a safe risk — and necessary for the good of the country — then you can get a loan, but WE SHOULD OWN YOU. If you default, we will sell you. This is how the Swedish government did it and it worked.

5. ALL REGULATIONS SHOULD HAVE BEEN BE RESTORED. THE REAGAN REVOLUTION IS DEAD! This catastrophe happened because we let the fox have the keys to the hen-house. In 1999, Phil Gramm authored a bill to remove all the regulations that governed Wall Street and our banking system. The bill passed and Clinton signed it. Here’s what Sen.Phil Gramm, McCain’s chief economic advisor, said at the bill signing:

"In the 1930s … it was believed that government was the answer. It was believed that stability and growth came from government overriding the functioning of free markets.

"We are here today to repeal [that] because we have learned that government is not the answer. We have learned that freedom and competition are the answers. We have learned that we promote economic growth and we promote stability by having competition and freedom.

"I am proud to be here because this is an important bill; it is a deregulatory bill. I believe that that is the wave of the future, and I am awfully proud to have been a part of making it a reality."

FOR THIS NOT TO REOCCUR, This BILL SHOULD HAVE BEEN REPEALED! Bill Clinton could have helped by leading the effort for the repeal of the Gramm bill and the reinstating of even tougher regulations regarding our financial institutions. And when they were done with that, they should have restored the regulations for the airlines, the inspection of our food, the oil industry, OSHA, and every other entity that affects our daily lives. All oversight provisions for any "bailout" should have had enforcement monies attached to them and criminal penalties for all offenders.

6. IF IT’S TOO BIG TO FAIL, THEN THAT MEANS IT’S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the monopoly and anti-trust laws has allowed a number of financial institutions and corporations to become so large, the very thought of their collapse means an even bigger collapse across the entire economy. No ONE or TWO companies should EVER have this kind of power! The so-called "economic Pearl Harbor" can’t happen when you have hundreds — thousands — of institutions where people have their money. When we have a dozen auto companies, if one goes belly-up, we DON’T FACE A NATIONAL DISASTER! If we have three separately-owned daily newspapers in your town, then one media company can’t call all the shots (I know… What am I thinking?! Who reads a paper anymore? Sure glad all those mergers and buyouts left us with a STRONG and "FREE" press!). Laws Should have been enacted to prevent companies from being so large and dominant that with one slingshot to the eye, the GIANT FALLS and DIES. And no institution should be allowed to set up money schemes that NO ONE understands. If you can’t explain it in two sentences, you shouldn’t be taking anyone’s money!

7. NO EXECUTIVE SHOULD EVER BE PAID MORE THAN 40 TIMES THEIR AVERAGE EMPLOYEE, AND NO EXECUTIVE SHOULD RECEIVE ANY KIND OF "PARACHUTE" OTHER THAN THE VERY GENEROUS SALARY HE OR SHE MADE WHILE WORKING FOR THE COMPANY. In 1980, the average American CEO made 45 times what their employees made. By 2003, they were making 254 times what their workers made. After 8 years of Bush, they now make over 400 times what their average employee makes. How We have allowed this to happen at publicly held companies is beyond reason. In Britain, the average CEO makes 28 times what their average employee makes. In Japan, it’s only 17 times! The last I heard, the CEO of Toyota was living the high life in Tokyo. How does he do it on so little money? Seriously, this is an OUTRAGE! We have created the mess we’re in by letting the people at the top become bloated beyond belief with millions of dollars. THIS HAS TO STOP! Not only should no executive who receives help out of this mess profit from it, but any executive who was in charge of running his company into the ground should be FIRED before the company receives ANY help.

8. CONGRESS SHOULD HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT ONLY PEOPLE’S SAVINGS, BUT ALSO THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose expanding FDIC protection of people’s savings in their banks to 0,000. But, this same sort of government insurance must be given to our NEVER have to worry about whether or not the money they’ve put away for their old age will be there. This should have meant strict government oversight of companies who manage their employees’ funds — or perhaps it means the companies should have been forced to turn over those funds and their management to the government? People’s private retirement funds must also be protected, but perhaps it’s time to consider not having one’s retirement invested in the casino known as the stock market??? Our government should have a solemn duty to guarantee that no one who grows old in this country has to worry about becoming destitute.

9. EVERYBODY NEEDS TO TAKE A DEEP BREATH, CALM DOWN, AND NOT LET FEAR RULE THE DAY. Turn off your TVs! We are NOT in the Second Great Depression. The sky is NOT falling, Chicken Little! Pundits and politicians have lied to us so FAST and FURIOUS it’s hard not to be affected by all the fear mongering. Even I wrote to and repeated what I heard on the news last week, that the Dow had the biggest one day drop in its history. Well, that was true in terms of points, but its 7% drop came nowhere close to Black Monday in 1987 when the stock market in one day lost 23% of its value. In the ’80s, 3,000 banks closed, but America didn’t go out of business. These institutions have always had their ups and downs and eventually it works out. It has to, because the rich do not like their wealth being disrupted! They have a vested interest in calming things down and getting back into their Jacuzzis before they slip into their million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.

As crazy as things are right now, tens of thousands of people got a car loan last week. Thousands went to the bank and got a mortgage to buy a home. Students just back to college found banks more than happy to put them into hock for the next 15 years with a student loan. I was even pre-approved for a USK personal loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1% umeployment rate, but that happened last month). Not a single person lost any of his/her monies in bank, or a treasury note, or in a CD. And, the perhaps the most amazing thing is that the American public FINALLY didn’t buy the scare campaign. The citizens didn’t blink, instead telling Congress to take that bailout and shove it. THAT was impressive. Why didn’t the population succumb to the fright-filled warnings from their president and his cronies? Well, you can only say ‘Saddam has the bomb’ so many times before the people realize you’re a lying sack of shit. After eight long years, the nation is worn out and simply can’t take it any longer. The WORLD is fed up & I don’t blame them.

10. THEY SHOULD HAVE CREATED A NATIONAL BANK, A "PEOPLE’S BANK." Since they’re really itching to print up a trillion dollars, instead of giving it to a few rich people, why don’t We give it to ourselves? Now that We own Freddie and Fannie, why not set up a People’s bank? One that can provide low-interest loans for all sorts of people who want to own a home, start a small business, go to school, come up with the cure for cancer or create the next great invention. And, now that we own AIG – the country’s largest insurance company – let’s take the next step and PROVIDE HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE us SO MUCH MONEY in the LONG RUN (not to mention bring peace of mind to all). And, America won’t be 12th on the life expectancy list! We’ll be able to have a longer lifespan, enjoying our government-protected pension and will live to see the day when the corporate criminals who caused this much misery are let out of prison so that We can help re-acclimate them to plain old ordinary, civilian life — a life with ONE nice home and ONE gas-free car invented with help from the People’s Bank.

P.S. Call your Senators NOW !!! —> www.visi.com/juan/congress/

Since they voted against passing the extension of unemployment benefits and skipped out to "campaign" to us to be re-elected…call them and tell them you will vote for the other "guy" if they don’t get their act together!

UPDATE:

The Bailout Is A Truly Evil Disaster And Enabler Pelosi Must Go

We are hearing more and more reports of how badly the ill-advised banker’s bailout is being handled, multi-million dollar bonuses for Paulson’s old cronies at Goldman Sachs, billions going to finance the takeover of rival banks, making the "too big to fail" even bigger, and the taxpayer getting an otherwise rotten deal for their investment. We even heard a Republic senator asking how fast they could blow the money.

NONE of this could have happened without the fawning complicity of Nancy Pelosi, who infamously said it was Bush’s proposal, INSTEAD of coming forward with a robust alternative plan. Just like Bush, she believes she is immune, she believes she is unaccountable, and shame on us if we don’t do everything we can to defeat her this Tuesday, and replace her with Cindy Sheehan.

Here is Cindy’s last TV spot. Please make whatever donation you can to put this ad on the air in these critical final days.

Last Cindy TV Spot Action Page:
www.usalone.com/cindy/donations_tv2.php

There is still time for you to make a real difference. We thank all of our participants who have already donated so generously to make this campaign what it is. For those who cannot make a contribution, please consider helping with the phone banking, and there is a link for that also on the page above.

The one thing we know is that we must continue to speak out. We must continue to challenge. Surrendering is what our current so-called representatives in Congress are so prone to, NOT what we do. Ultimate victory is not only possible, it is assured if we work as hard as we can for real change, not just the rebranding of the same old boys’
network.

And we promise you, immediately after the election we will go right back to work on pure issue advocacy full time, to continue to build the base of action for the future.

Paid for by Cindy Sheehan for Congress

Donations to Cindy Sheehan for Congress are not tax-deductible

Please take action NOW, so we can win all victories that are supposed to be ours, and forward this alert as widely as possible.

If you would like to get alerts like these, you can do so at www.usalone.net/in.htm

Or if you want to cease receiving our messages, just use the function at www.usalone.net/out.htm

Cool Credit Cards For No Credit History images

Check out these credit cards for no credit history images:

Economic Fears Reignite Market Slump
credit cards for no credit history

Image by YoTuT
OCTOBER 16, 2008 Economic Fears Reignite Market Slump
Stocks Post Biggest Drop Since 1987 Crash as Retail Sales Fall, Commodities Sink and Investors Worry About Hedge Funds
By SUDEEP REDDY, JENNIFER SARANOW and ANN

Fears of a deep recession sparked the worst drop in the Dow Jones Industrial Average in 21 years, as retail sales tumbled, demand for commodities sank and bank earnings fell.

Bloomberg News/Landov
SOMBER OUTLOOK: As markets fell Wednesday, Fed chief Ben Bernanke said stabilizing financial markets won’t spur a broad economic recovery overnight.
The latest data suggest the U.S. economy is poised to fall into its deepest recession since the early 1980s. That news, coupled with renewed signs of trouble in the all-important markets for credit, reignited the sell-off in stock markets, all but wiping out the huge gains that shares had made in Monday’s rally.
The Dow dropped 733.08 points, or 7.9%, to 8577.91 as recession fears and continuing doubts about the world financial system’s prospects shook investors. Wednesday’s decline marked the Dow’s largest percentage drop since October 1987 and the second-biggest point drop ever. The index is down 21% this month and almost 40% from its record close a year ago.
Other indexes plunged, too, including the Standard & Poor’s 500 stock index, which fell 9.03%. Overall, investors lost about .1 trillion in U.S. stock-market value on Wednesday, the second day in history that they have lost more than trillion in one day.
In another sign of economic weakness, demand for the most important raw materials continued to slide, with oil and copper prices falling sharply.
With the big drop in stocks, many investors fled into safe-haven instruments like the two-year Treasury bond, which rose in price, sending its yield down to 1.6%, while the 10-year bond price rose slightly to yield 4%.
The stock market was unnerved late in the day by new fears of instability in the financial system, this time in the hedge-fund industry. Traders heard talk that hedge fund Citadel Investment Group, whose funds are down between 26% and 30% for the year, was facing margin calls. The rumors fed an already anxious market, where investors have grown worried that some big, highly debt-dependent hedge funds could fail, causing more market declines. Citadel said its financial situation remained strong.
Adding to the somber mood, Federal Reserve Chairman Ben Bernanke in a speech at the Economic Club of New York warned the economy faced tough prospects despite the government’s 0 billion rescue plan aimed at bolstering the U.S. financial system.
"Stabilization of the financial markets is a critical first step, but even if they stabilize as we hope they will, broader economic recovery will not happen right away," Mr. Bernanke said. "Ultimately, the trajectory of economic activity beyond the next few quarters will depend greatly on the extent to which financial and credit markets return to more normal functioning."
Mr. Bernanke noted that the economy had been decelerating even before the September shock to financial markets. He ticked off a broadening list of troubles that now weigh on it: slower exports from a global slowdown, nagging declines in home prices, slower consumer spending and business investment, and the time that it will take for credit markets to unfreeze after the government’s dramatic steps this week.
Mr. Bernanke subtly left open the possibility of interest-rate cuts in the weeks or months ahead, noting inflation pressures have receded as a result of falling commodities prices.
But it’s far from clear how much effect further rate cuts would have. Investors have been demanding huge premiums — known on Wall Street as spreads — over benchmark interest rates to make loans to businesses and households. As long as these spreads remain large, the benefits of rate cuts are diminished. A big priority for now remains calming the fear that has swept through financial markets. That would make financial institutions more willing to lend at narrowed spreads.
Evidence is mounting that the U.S. is likely to experience a far worse downturn than the 2001 or 1990-91 recessions. Job losses started at the beginning of this year but started deepening last month, even before the worst of the credit crisis struck. The degree of the declines is sapping consumer incomes after a decade showing few earnings gains for most Americans.
In Seattle, 25-year-old Web developer Scott Krager is curtailing his spending — especially on eating out — and now rarely pays full price for anything. Recently, when he needed to purchase new khaki pants after his older ones were ruined in the dryer, Mr. Krager visited a Kohl’s department store for the first time and bought two pairs using a -off coupon.
"Overall, you can tell that it’s not 2003 or 2004 anymore," said Mr. Krager. "It’s the first time my generation has really felt the effect of any kind of pull back."
The Commerce Department said its broad gauge of retail sales dropped 1.2% last month, a much sharper decline than in July and August. The figures followed last week’s weak September sales reports by major retailers, and they confirmed that the economy was weakening before this month’s market turmoil, suggesting deeper declines in the coming months. Consumer spending, which accounts for more than 70% of the U.S. economy, is likely to record declines in the third and fourth quarters of this year.
Retail sales slipped in almost every sector. Auto sales fell 3.8%, while furniture, electronics, clothing and food stores also declined.
The troubles are weighing heavily on the global economy. Weak prospects around the world are pushing commodity prices sharply lower, a sign that strong demand — which led to huge price surges earlier this year — has abated with the economic turmoil. Crude-oil prices tumbled .09, or 5.2%, to .54 a barrel, its lowest settlement price this year.
Meanwhile, the continuing turmoil in credit markets is likely to hit the banking sector hard in the coming months. J.P. Morgan Chase & Co. and Wells Fargo & Co., two of the nation’s strongest banks, on Wednesday said their consumer operations are likely to worsen for months amid weaker performance of mortgages, credit cards and auto loans. J.P. Morgan, which is one of the nation’s largest credit-card issuers, said charge-offs — reflecting loans considered to be uncollectible — represented 5% of its card portfolio compared with 3.64% in the third quarter of 2007. That’s expected to grow to 6% in the beginning of next year and 7% by the end of 2009, the bank said.
The Federal Reserve’s latest "beige book” report, a summary of regional economic conditions, showed weakness across the nation into early October. Consumer spending declined, manufacturing activity dropped and several regions reported lower capital spending or reductions in capital spending plans "due to the high level of uncertainty about the economic outlook or concerns over the availability of credit." Among the few bright spots were agriculture and other natural resources, though drops in commodity prices since the reports were compiled could hurt those sectors.
Job losses, which started at the beginning of this year, are expected to worsen as businesses feel the credit pinch. The effects of the worsening economy were on display at retail outlets around the country.
After years of conspicuous consumption, many middle- and upper-income Americans are morphing into cautious shoppers. The change in mood could have a dramatic effect on consumer spending on everything from cars and travel to electronics, fashion and jewelry, especially heading toward the holiday season. That’s a radical change from the 2001 economic slowdown when many people shopped to feel better.
In Chicago, Fanchon Simons, an avid 60-year-old shopper, says she couldn’t bring herself to buy a 0 blouse that she tried on at a designer-clothing boutique last week. Ms. Simons says she hasn’t bought much for herself in the past couple weeks — and not because she can’t afford it. Buying "is not that important to me right now because of the climate," she says. "Maybe it’s a way to be in sympathy with the rest of the people…or maybe it’s that I don’t really need anything."
High-end consumers aren’t the only ones pinching pennies or turning to window-shopping. Synetha Chambers, a 31-year-old single parent from Cedar Hill, Texas, who makes an hour as a service representative for AT&T, says she has pared her grocery list to the necessities — milk is a must, but she no longer buys soda and chips. "And I will be honest with you, Christmas is no longer a necessity in my household," Ms. Chambers says.
Besides worrying about the economy, stock-market investors have two other immediate concerns. One is that credit markets may remain dysfunctional for weeks or even months, which would make the recession worse. The struggling credit market in particular is making it more difficult for many companies to raise the cash they need to run their operations.
In addition, investors are watching the earnings season, in particular what companies are saying about their outlook for the rest of the year. One test comes Thursday: Citigroup Inc. is reporting its latest quarterly results, and investors will be closely monitoring the health of its huge portfolios of consumer loans.
—Jon Hilsenrath, Miguel Bustillo and Robin Sidel contributed to this article.Write to Sudeep Reddy at sudeep.reddy@wsj.com, Jennifer Saranow at jennifer.saranow@wsj.com and Ann Zimmerman at ann.zimmerman@wsj.com

Go Kate L. Walker
credit cards for no credit history

Image by SpringFamily
I said a hip hop a hippie to the hippie
to the hip hip hop, you dont stop
a rockin to the bang bang boogy say upchuck the boogy,
to the rhythm of the boogity beat.

now what you hear is not a test–i’m rappin to the beat
and me, the groove, and my friends are gonna try to move your feet
see i am wonder mike and i like to say hello
to the black, to the white, the red, and the brown, the purple and yellow
but first i gotta bang bang the boogie to the boogie
say up jump the boogie to the bang bang boogie
let’s rock, you dont stop
rock the riddle that will make your body rock
well so far youve heard my voice but i brought two friends along
and next on the mike is my man hank
come on, hank, sing that song

check it out, i’m the c-a-s-an-the-o-v-a
and the rest is f-l-y
ya see i go by the code of the doctor of the mix
and these reasons i’ll tell ya why
ya see i’m six foot one and i’m tons of fun
and i dress to a t
ya see i got more clothes than muhammad ali and i dress so viciously
i got bodyguards, i got two big cars
that definitely aint the wack
i got a lincoln continental and a sunroof cadillac
so after school, i take a dip in the pool
which really is on the wall
i got a color tv so i can see
the knicks play basketball
hear me talkin bout checkbooks, credit cards
more money than a sucker could ever spend
but i wouldnt give a sucker or a bum from the rucker
not a dime til i made it again
ya go hotel motel whatcha gonna do today (say what)
ya say im gonna get a fly girl gonna get some spankin
drive off in a def oj
everybody go, hotel motel holiday inn
say if your girl starts actin up, then you take her friend
master gee, am I mellow
its on you so what you gonna do

well it’s on n on n on on n on
the beat dont stop until the break of dawn
i said m-a-s, t-e-r, a g with a double e
i said i go by the unforgettable name
of the man they call the master gee
well, my name is known all over the world
by all the foxy ladies and the pretty girls
i’m goin down in history
as the baddest rapper there could ever be
now i’m feelin the highs and ya feelin the lows
the beat starts gettin into your toes
ya start poppin ya fingers and stompin your feet
and movin your body while youre sittin in your seat
and the damn ya start doin the freak
i said damn, right outta your seat
then ya throw your hands high in the air
ya rockin to the rhythm, shake your derriere
ya rockin to the beat without a care
with the sureshot m.c.s for the affair
now, im not as tall as the rest of the gang
but i rap to the beat just the same
i dot a little face and a pair of brown eyes
all im here to do ladies is hypnotize
singin on n n on n on n on
the beat dont stop until the break of dawn
singin on n n on n on on n on
like a hot buttered a pop da pop da pop dibbie dibbie
pop da pop pop ya dont dare stop
come alive yall gimme what ya got
i guess by now you can take a hunch
and find that i am the baby of the bunch
‘but that’s okay i still keep in stride
cause all i’m here to do is just wiggle your behind
singin on n n on n on n on
the beat dont stop until the break of dawn
singin on n n on n on on n on
rock rock yall throw it on the floor
im gonna freak ya here im gonna feak ya there
im gonna move you outta this atmosphere
cause im one of a kind and ill shock your mind
ill put t-t-tickets in your behind
i said 1-2-3-4, come on girls get on the floor
a-come alive, yall a-gimme what ya got
cause im guaranteed to make you rock
i said 1-2-3-4 tell me wonder mike what are you waitin for?

i said a hip hop the hippie to the hippie
the hip hip hop, a you dont stop
the rock it to the bang bang boogie say up jumped the boogie
to the rhythm of the boogie, the beat
skiddlee beebop a we rock a scoobie doo
and guess what america we love you
cause ya rock and ya roll with so much soul
you could rock till you’re a hundred and one years old
i dont mean to brag i dont mean to boast
but we like hot butter on our breakfast toast
rock it up baby bubbah
baby bubbah to the boogie da bang bang da boogie
to the beat beat, its so unique
come on everybody and dance to the beat

i said a hip hop the hippie the hippie
to the hip hip hop, a you dont stop
a rock on, pretty bubba to the boogity bang, bang,
the boogie to the boogity beat.

i said i cant wait til the end of the week
when im rappin to the rhythm of a groovy beat
and attempt to raise your body heat
just blow your mind so that you cant speak
and do a thing but a rock and shuffle your feet
and let it change up to a dance called the freak
and when ya finally do come in to your rhythmic beat
rest a little while so ya dont get weak
i know a man named hank
he has more rhymes than a serious bank
so come on hank sing that song
to the rhythm of the boogie da bang bang da bong

well, im imp the dimp the ladies pimp
the women fight for my delight
but im the grandmaster with the three mcs
that shock the house for the young ladies
and when you come inside, into the front
you do the freak, spank, and do the bump
and when the sucker mcs try to prove a point

we’re treacherous trio, we’re the serious joint
a from sun to sun and from day to day
i sit down and write a brand new rhyme
because they say that miracles never cease
i’ve created a devastating masterpiece
i’m gonna rock the mike til you cant resist
everybody, i say it goes like this
well i was comin home late one dark afternoon
a reporter stopped me for a interview
she said she’s heard stories and she’s heard fables
that i’m vicious on the mike and the turntables
this young reporter i did adore
so i rocked a vicious rhyme like i never did before
she said damn fly guy im in love with you
the casanova legend must have been true
i said by the way baby what’s your name
said i go by the name of lois lane
and you could be my boyfiend you surely can
just let me quit my boyfriend called superman
i said he’s a fairy i do suppoose
flyin through the air in pantyhose
he may be very sexy or even cute
but he looks like a sucker in a blue and red suit
i said you need a man who’s got finesse
and his whole name across his chest
he may be able to fly all through the night
but can he rock a party til the early light
he cant satisfy you with his little worm
but i can bust you out with my super sperm
i go do it, i go do it, i go do it, do it , do it
an i’m here an i’m there i’m big bang hank, im everywhere
just throw your hands up in the air
and party hardy like you just dont care
let’s do it dont stop yall a tick a tock yall you dont stop
go hotel motel what you gonna do today(say what)
im gonna get a fly girl gonna get some spank drive off in a def oj
everybody go hotel motel holiday inn
you say if your girl starts actin up then you take her friend
i say skip, dive, what can i say
i cant fit em all inside my oj
so i just take half and bust them out
i give the rest to master gee so he could shock the house

it was twelve o’clock one friday night
i was rockin to the beat and feelin all right
everybody was dancin on the floor
doin all the things they never did before
and then this fly fly girl with a sexy lean
she came into the bar, she came into the scene
as she traveled deeper inside the room
all the fellas checked out her white sasoons
she came up to the table, looked into my eyes
then she turned around and shook her behind
so i said to myself, its time for me to release
my vicious rhyme i call my masterpiece
and now people in the house this is just for you
a little rap to make you boogaloo
now the group ya hear is called phase two
and let me tell ya somethin we’re a helluva crew
once a week we’re on the street
just a-cuttin’ the jams and making it free
for you to party ya got to have the movies
so we’ll get right down and give you the groove
for you to dance you gotta get hype
so we’ll get right down for you tonight
now the system’s on and the girls are there
ya definitely have a rockin affair
but let me tell ya somethin there’s still one fact
that to have a party ya got to have a rap
so when the party’s over you’re makin it home
and tryin to sleep before the break of dawn
and while ya sleepin ya start to dream
and thinkin how ya danced on the disco scene
my name appears in your mind
yeah, a name you know that was right on time
it was phase two just a doin a do
rockin ya down cause ya know we could
to the rhythm of the beat that makes ya freak
come alive girls get on your feet
to the rhythm of the beat to the beat the beat
to the double beat beat that it makes ya freak
to the rhythm of the beat that says ya go on
on n on into the break of dawn
now i got a man comin on right now
he’s guaranteed to throw down
he goes by the name of wonder mike
come on wonder mike do what ya like

like a can of beer that’s sweeter than honey
like a millionaire that has no money
like a rainy day that is not wet
like a gamblin fiend that does not bet
like dracula with out his fangs
like the boogie to the boogie without the boogie bang
like collard greens that dont taste good
like a tree that’s not made out of wood
like goin up and not comin down
is just like the beat without the sound no sound
to the beat beat, ya do the freak
everybody just rock and dance to the beat
have you ever went over a friends house to eat
and the food just aint no good
i mean the macaroni’s soggy the peas are mushed
and the chicken tastes like wood
so you try to play it off like you think you can
by sayin that youre full
and then your friend says momma he’s just being polite
he aint finished uh uh that’s bull
so your heart starts pumpin and you think of a lie
and you say that you already ate
and your friend says man there’s plenty of food
so you pile some more on your plate
while the stinky foods steamin your mind s
tarts to dreamin
of the moment that it’s time to leave
and then you look at your plate and your chickens slowly rottin
into something that looks like cheese
oh so you say that’s it i got to leave this place
i dont care what these people think
im just sittin here makin myself nauseous
with this ugly food that stinks
so you bust out the door while its still closed
still sick from the food you ate
and then you run to the store for quick relief
from a bottle of kaopectate
and then you call your friend two weeks later
to see how he has been
and he says i understand about the food
baby bubbah but we’re still friends
with a hip hop the hippie to the hippie
the hip hip a hop a you dont stop the rockin
to the bang bang boogie
say up jump the boogie to the rhythm of the boogie the beat
i say hank can ya rock
can ya rock to the rhythm that just dont stop
can ya hip me to the shoobie doo
i said come on make the make the people move

i go to the halls and then ring the bell
because i am the man with the clientele
and if ya ask me why i rock so well
a big bang, i got clientele
and from the time i was only six years old
i never forgot what i was told
it was the best advice that i ever had
it came from my wise dear old dad
he said sit down punk i wanna talk to you
and dont say a word until i’m through
now there’s a time to laugh a time to cry
a time to live and a time to die
a time to break and a time to chill
to act civilized or act real ill
but whatever ya do in your lifetime
ya never let a mc steal your rhyme
so from sixty six til this very day
ill always remember what he had to say
so when the sucker mcs try to chump my style
i let them know that i’m versatile
i got style finesse and a little black book
that’s filled with rhymes and i know you wanna look
but there’s a thing that separates you from me
and that’s called originality
because my rhymes are on from what you heard
i didnt even bite and not a god d–m word
and i say a little more later on tonight
so the sucker mc’s can bite all night
a tick a tock yall a beat beat yall
a lets rock yall ya dont stop
ya go hotel motel whatcha gonna do today (say what)
ya say im gonna get a fly girl gonna get some spankin
drive off in a def oj
everybody go hotel motel holiday inn
ya say if your girl starts actin up then you take her friends
a like that yall to the beat yall
beat beat yall ya dont stop
a master gee am I mellow?
its on you so whatcha gonna do

well like johnny carson on the late show
a like frankie croker in stereo
well like the barkay’s singin holy ghost
the sounds to throw down they’re played the most

its like my man captain sky
whose name he earned with his super sperm
we rock and we dont stop
get off yall im here to give you whatcha got
to the beat that it makes you freak
and come alive girl get on your feet
a like a perry mason without a case
like farrah fawcett without her face

like the barkays on the mike
like gettin right down for you tonight
like movin your body so ya dont know how
right to the rhythm and throw down

like comin alive to the master gee
the brother who rocks so viciously
i said the age of one my life begun
at the age of two i was doin the do
at the age of three it was you and me
rockin to the sounds of the master gee
at the age of four i was on the floor
givin all the freaks what they bargained for
at the age of five i didnt take no jive
with the master gee its all the way live
at the age of six i was a pickin up sticks
rappin to the beat my stick was fixed
at the age of seven i was rockin in heaven dontcha know i went off
i got right on down to the beat you see
gettin right on down makin all the girls
just take of their clothes to the beat the beat
to the double beat beat that makes you freak
at the age of eight i was really great
cause every night you see i had a date
at the age of nine i was right on time
cause every night i had a party rhyme
goin on n n on n on on n on
the beat dont stop until the break of dawn
a sayin on n n on n on on n on…
like a hot buttered de pop de pop de pop
a saying on n n on n on on n on
cause i’m a helluva man when i’m on the mike
i am the definate feast delight
cause i’m a helluva man when i’m on the mike
i am the definate feast delight
come to the master gee you see
the brother who rocks so viciously
….

Our National Tragedy
credit cards for no credit history

Image by Renegade98
By Randy Boswell, Canwest News Service
October 24, 2009

They disappear from small towns and big cities, from native reserves in the north and affluent suburbs in the south. They drift away and they abruptly vanish. And they leave, in their wake, broken-hearted families, confounded investigators and gaping holes in the communities where they grew up, forged friendships, held jobs, raised children.

At this moment in Canada, there are 1,559 missing women on file with the Canadian Police Information Centre, a national case-tracking database maintained at the RCMP’s Ottawa headquarters.

The number sheds only a partial light on this dark story. It doesn’t include the lost or stolen girls under the age of 18 who may have lived to become missing women. It doesn’t account, anymore, for those who were once missing but have since been proven dead.

It doesn’t embrace women who are gone but not reported missing.

Yet great depths of misery and mystery underlie even this imperfect figure. The stories of Canada’s lost women — enough to equal the population of a small town, or the entire staff of a large urban hospital — would fill many mournful volumes.

The stories include some particularly shocking narratives in which a multitude of the missing disappear from a single area — such as B.C.’s "Highway of Tears," a lonely stretch of road between Prince Rupert and Prince George where five of those women were last seen and 13 others are known to have been murdered.

A high-profile search in late August for the remains of Nicole Hoar — one of Hwy. 16′s 18 unsolved cases — sparked extensive news coverage and prompted some nationwide soul-searching, at least briefly, about Canada’s missing women.

Then, within days, came an overdue pledge by Manitoba RCMP and Winnipeg city police to more closely collaborate in probing a series of disappearances and deaths of aboriginal women in that province.

Similar concentrations of missing or murdered women in Alberta and Saskatchewan were noted, too, along with the single most horrific chapter in the whole sorrowful saga: the dozens of vanished women from Vancouver’s Downtown Eastside linked to the predatory B.C. pig farmer Robert Pickton.

But there are tears staining village streets, rural sideroads and inner-city avenues across the country. No province or territory is beyond the scope of a tragedy that encompasses every corner of Canada and which — for all of the individual instances of anguish — is made especially plain with a single, breathtaking number: 1,559.

There are thousands of missing men in the country — more than 5,000, in fact, are listed at CPIC — but the spotlight has turned to Canada’s lost women because of the clusters of disappearances throughout the West and the sense that predatory men lurk behind the grim statistics.

Even 1,559 strikes Gladys Radek as a low estimate.

A member of the Gitksan Nation of northern B.C. who now lives in Vancouver, Radek has emerged as a leading voice for the lost. It’s an angry voice, and the word "racism" rolls easily from her tongue as she discusses the pain of her own family’s loss and the disproportionate toll among aboriginal communities like hers.

But the 59-year-old activist, now studying aboriginal law at a Vancouver native college, has called for governments, police agencies and the public to devote more attention to all of Canada’s missing women — "red, black, white and yellow," as she puts it — with greater investigative resources to solve existing cases and strengthened social services to prevent new ones.

"It pissed me off that these women were going missing without anybody saying or doing anything about it," says Radek, recalling her gathering awareness of the crisis in the wake of her own niece’s unexplained disappearance in September 2005 along the Highway of Tears.

Tamara Chipman — 22 at the time, and the mother of a two-year-old boy — was hitchhiking outside Prince Rupert when she vanished.

"She was just beginning her life," says Radek. "Tamara was a beautiful, spunky girl."

The tragedy sparked a vision. Radek imagined a cross-Canada pilgrimage linking families and communities across the country struggling to cope with missing and murdered women.

Last year, with a Vancouver-to-Ottawa trek she called Walk4Justice, Radek’s vision was realized, drawing widespread media coverage and galvanizing public awareness of Canada’s lost women.

The number 4 in the name "covers all the races, and all four directions," says Radek. "Before we did that walk, there wasn’t really that much attention paid to the missing and murdered women. That’s when the families started coming together more and more.

"It was a pretty powerful journey."

Earlier this year, Radek organized a second Walk4Justice between Vancouver and Prince Rupert to spotlight the suffering of families — including her own — who’ve lost loved ones along the Highway of Tears.

She isn’t convinced police in B.C. or elsewhere are doing enough to probe the hundreds of unsolved cases, or that governments are sufficiently seized by the need to invest more in vulnerable communities and demographic groups — native and non-native — to prevent numbers like 1,559 from growing larger.

"We need better services so women don’t get caught in such desperate situations," she argues. "We’re pushing for a lot more shelters, even in the smallest communities. There’s often nowhere for women to go when they’re running from violent situations."

RCMP Staff Sgt. Wayne Clary defends the efforts of police in B.C. and across the country in probing missing-women cases. In his experience, he says, police agencies "bend over backwards" to co-operate across jurisdictional boundaries, comparing notes and sharing clues to try to solve what are often the toughest cases in police work to crack.

But he does agree with Radek about one thing when it comes to the CPIC total of 1,559 missing women in Canada.

"I thought it would be higher," he says.

Perhaps it’s a worldview shaped by his immersion in scores of missing-women cases — most notably the Pickton-linked disappearances of up to 60 sex-trade workers and other high-risk targets in Vancouver — during a 29-year career as one of B.C.’s leading investigators.

The province has emerged as the country’s main stage in this long-running tragedy, and Clary wonders aloud if Vancouver’s history as a key Pacific port — a magnet not just for tourists and immigrants who’ve brought prosperity to B.C., but also for criminals — has contributed to the crisis.

Resources, he notes, are not boundless when it comes to investigating missing women, or any crime for that matter. But as a key player in the high-profile and well-funded Project Evenhanded investigation that ultimately unraveled Pickton’s crimes, Clary says he sympathizes with isolated investigators across the country, who inevitably have a multitude of other open files on their desks in addition to time-consuming missing-person cases.

"If you have a crime scene and no body — no person — that’s easy. You just roll it out like it’s a homicide. It’s when you don’t have a crime scene, it’s harder. Because obviously you’re adjusting resources and files just never stop coming in," he says.

"I’ve been on a project here, so we just deal with the one issue — which is easier to handle because there’s dedicated resources. But when you’re investigating with a detachment or a municipal PD, there’s stuff coming your way every day. And, of course, it never ends."

The principal strategy for probing the case of a missing woman is simple enough, he says.

"You identify who their associates are, where they work, and you just start asking questions. Generally, that will lead you somewhere. But there’s many cases where you just don’t know, and where do you go next?"

Bank accounts, credit cards and cellphones are probed because they’re likely to record a person’s movements, says Clary.

"You can see them existing in society, and then all of a sudden everything stops," he says. "Whether it’s the methadone clinic, or their doctor, or their welfare cheque — it just stops. And you have to ask yourself, why did that happen?"

In so many cases, he says, it’s what you can’t do for desperate families — the anguished ones seeking closure years or decades after a sister or daughter has vanished — that haunts him and other officers assigned to search for the missing.

Too often, he says bluntly, "you can never give it to them. It’s difficult to convey to them that there’s nothing more you can do."

And the sad reality, he says, is that the disappeared — in many or even most of the cases on file — are dead.

But without evidence to prove that a missing woman was murdered or otherwise lost her life, families are naturally reluctant to turn the page. The word "missing," for all of its horrifying connotations, preserves at least a shred of hope.

One weekend in September, in the remote woods near Thunder Bay, an Ontario family and a team of volunteer searchers were clinging to such hope.

They scoured the forests of Rainbow Falls Provincial Park looking for clues that might point to the whereabouts of Christina Calayca, a vivacious, 20-year-old childcare worker from Toronto who disappeared — literally "without a trace," a police spokesperson says — after setting off for a morning jog from a campsite on Aug. 6, 2007.

Was the young Filipina-Canadian woman snatched by an unknown assailant or human trafficker? Did she intentionally vanish to create a new life and identity? Or did she simply lose her way in the trees, slip into a stream, fall from a rock ledge?

Police do not have evidence pointing to foul play, says Ontario Provincial Police Sgt. Shelley Garr, but they just don’t know.

"There are a number of possibilities," she says, "but we don’t speak to hypotheticals."

There’s a website, www.findchristinacalayca.com, that details a 2008 fundraising gala, holds a cache of news stories, promotes a CD — "Missing You" — that’s dedicated to Calayca.

The site exudes affection for the lost woman.

"Each day since her disappearance months ago, Christina’s loved ones have hoped and prayed that she would return to us safely," a message states. "If hope alone were enough, she would already be home; but she unfortunately is not."

There have now been six searches — three led by the OPP, three organized by Calayca’s family, including one with sniffer dogs supplied by a benevolent search-and-rescue specialist from the U.S.

"She went missing and there’s been nothing since," Garr said in a recent interview. "Christina’s mother was up again this past weekend. They are still actively searching for answers. But it must be frustrating for them."

The best chance for discovery, she adds, might have been during the initial 17-day search in August 2007, a full-scale operation involving aerial crews and extensive grid-pattern sweeps by emergency personnel on the ground.

"But then we got into fall," says Garr, "and fall turns into winter."
© Copyright (c) Canwest News Service

The Vancouver Sun
www.vancouversun.com/news/Part+national+tragedy/2124544/s…

Cool Credit Cards For No Credit History images

Some cool credit cards for no credit history images:

Baked Potatoes for Lunch
credit cards for no credit history

Image by Wootang01
9.4.09
The flight arrived on time; and the twelve hours while on board passed quickly and without incident. To be sure, the quality of the Cathay Pacific service was exemplary once again.

Heathrow reminds me of Newark International. The décor comes straight out of the sterile 80′s and is less an eyesore than an insipid background to the rhythm of human activity, such hustle and bustle, at the fore. There certainly are faces from all races present, creating a rich mosaic of humanity which is refreshing if not completely revitalizing after swimming for so long in a sea of Chinese faces in Hong Kong.

Internet access is sealed in England, it seems. Nothing is free; everything is egregiously monetized from the wireless hotspots down to the desktop terminals. I guess Hong Kong has spoiled me with its abundant, free access to the information superhighway.

11.4.09
Despite staying in a room with five other backpackers, I have been sleeping well. The mattress and pillow are firm; my earplugs keep the noise out; and the sleeping quarters are as dark as a cave when the lights are out, and only as bright as, perhaps, a dreary rainy day when on. All in all, St. Paul’s is a excellent place to stay for the gregarious, adventurous, and penurious city explorer – couchsurfing may be a tenable alternative; I’ll test for next time.

Yesterday Connie and I gorged ourselves at the borough market where there were all sorts of delectable, savory victuals. There was definitely a European flavor to the food fair: simmering sausages were to be found everywhere; and much as the meat was plentiful, and genuine, so were the dairy delicacies, in the form of myriad rounds of cheese, stacked high behind checkered tabletops. Of course, we washed these tasty morsels down with copious amounts of alcohol that flowed from cups as though amber waterfalls. For the first time I tried mulled wine, which tasted like warm, rancid fruit punch – the ideal tonic for a drizzling London day, I suppose. We later killed the afternoon at the pub, shooting the breeze while imbibing several diminutive half-pints in the process. Getting smashed at four in the afternoon doesn’t seem like such a bad thing anymore, especially when you are having fun in the company of friends; I can more appreciate why the English do it so much!

Earlier in the day, we visited the Tate Modern. Its turbine room lived up to its prominent billing what with a giant spider, complete with bulbous egg sac, anchoring the retrospective exhibit. The permanent galleries, too, were a delight upon which to feast one’s eyes. Picasso, Warhol and Pollock ruled the chambers of the upper floors with the products of their lithe wrists; and I ended up becoming a huge fan of cubism, while developing a disdain for abstract art and its vacuous images, which, I feel, are devoid of both motivation and emotion.

My first trip yesterday morning was to Emirates Stadium, home of the Arsenal Gunners. It towers imperiously over the surrounding neighborhood; yet for all its majesty, the place sure was quiet! Business did pick up later, however, once the armory shop opened, and dozens of fans descended on it like bees to a hive. I, too, swooped in on a gift-buying mission, and wound up purchasing a book for Godfrey, a scarf for a student, and a jersey – on sale, of course – for good measure.

I’m sitting in the Westminster Abbey Museum now, resting my weary legs and burdened back. So far, I’ve been verily impressed with what I’ve seen, such a confluence of splendor and history before me that it would require days to absorb it all, when regretfully I can spare only a few hours. My favorite part of the abbey is the poets corner where no less a literary luminary than Samuel Johnson rests in peace – his bust confirms his homely presence, which was so vividly captured in his biography.

For lunch I had a steak and ale pie, served with mash, taken alongside a Guinness, extra cold – 2 degrees centigrade colder, the bartender explained. It went down well, like all the other delicious meals I’ve had in England; and no doubt by now I have grown accustomed to inebriation at half past two. Besides, Liverpool were playing inspired football against Blackburn; and my lunch was complete.

Having had my fill of football, I decided to skip my ticket scalping endeavor at Stamford Bridge and instead wandered over to the British Museum to inspect their extensive collections. Along the way, my eye caught a theater, its doors wide open and admitting customers. With much rapidity, I subsequently checked the show times, saw that a performance was set to begin, and at last rushed to the box office to purchase a discounted ticket – if you call a 40 pound ticket a deal, that is. That’s how I grabbed a seat to watch Hairspray in the West End.

The show was worth forty pounds. The music was addictive; and the stage design and effects were not so much kitschy as delightfully stimulating – the pulsating background lights were at once scintillating and penetrating. The actors as well were vivacious, oozing charisma while they danced and delivered lines dripping in humor. Hairspray is a quality production and most definitely recommended.

12.4.09
At breakfast I sat across from a man who asked me to which country Hong Kong had been returned – China or Japan. That was pretty funny. Then he started spitting on my food as he spoke, completely oblivious to my breakfast becoming the receptacle in which the fruit of his inner churl was being placed. I guess I understand the convention nowadays of covering one’s mouth whilst speaking and masticating at the same time!

We actually conversed on London life in general, and I praised London for its racial integration, the act of which is a prodigious leap of faith for any society, trying to be inclusive, accepting all sorts of people. It wasn’t as though the Brits were trying in vain to be all things to all men, using Spanish with the visitors from Spain, German with the Germans and, even, Hindi with the Indians, regardless of whether or not Hindi was their native language; not even considering the absurd idea of encouraging the international adoption of their language; thereby completely keeping English in English hands and allowing its proud polyglots to "practice" their languages. Indeed, the attempt of the Londoners to avail themselves of the rich mosaic of ethnic knowledge, and to seek a common understanding with a ubiquitous English accent is an exemplar, and the bedrock for any world city.

I celebrated Jesus’ resurrection at the St. Andrew’s Street Church in Cambridge. The parishioners of this Baptist church were warm and affable, and I met several of them, including one visiting (Halliday) linguistics scholar from Zhongshan university in Guangzhou, who in fact had visited my tiny City University of Hong Kong in 2003. The service itself was more traditional and the believers fewer in number than the "progressive" services at any of the charismatic, evangelical churches in HK; yet that’s what makes this part of the body of Christ unique; besides, the message was as brief as a powerpoint slide, and informative no less; the power word which spoke into my life being a question from John 21:22 – what is that to you?

Big trees; exquisite lawns; and old, pointy colleges; that’s Cambridge in a nutshell. Sitting here, sipping on a half-pint of Woodforde’s Wherry, I’ve had a leisurely, if not languorous, day so far; my sole duty consisting of walking around while absorbing the verdant environment as though a sponge, camera in tow.

I am back at the sublime beer, savoring a pint of Sharp’s DoomBar before my fish and chips arrive; the drinking age is 18, but anyone whose visage even hints of youthful brilliance is likely to get carded these days, the bartender told me. The youth drinking culture here is almost as twisted as the university drinking culture in America.

My stay in Cambridge, relaxing and desultory as it may be, is about to end after this late lunch. I an not sure if there is anything left to see, save for the American graveyard which rests an impossible two miles away. I have had a wonderful time in this town; and am thankful for the access into its living history – the residents here must demonstrate remarkable patience and tolerance what with so many tourists ambling on the streets, peering – and photographing – into every nook and cranny.

13.4.09
There are no rubbish bins, yet I’ve seen on the streets many mixed race couples in which the men tend to be white – the women also belonging to a light colored ethnicity, usually some sort of Asian; as well saw some black dudes and Indian dudes with white chicks.

People here hold doors, even at the entrance to the toilet. Sometimes it appears as though they are going out on a limb, just waiting for the one who will take the responsibility for the door from them, at which point I rush out to relieve them of such a fortuitous burden.

I visited the British Museum this morning. The two hours I spent there did neither myself nor the exhibits any justice because there really is too much to survey, enough captivating stuff to last an entire day, I think. The bottomless well of artifacts from antiquity, drawing from sources as diverse as Korea, and Mesopotamia, is a credit to the British empire, without whose looting most of this amazing booty would be unavailable for our purview; better, I think, for these priceless treasures to be open to all in the grandest supermarket of history than away from human eyes, and worst yet, in the hands of unscrupulous collectors or in the rubbish bin, possibly.

Irene and I took in the ballet Giselle at The Royal Opera House in the afternoon. The building is a plush marvel, and a testament to this city’s love for the arts. The ballet itself was satisfying, the first half being superior to the second, in which the nimble dancers demonstrated their phenomenal dexterity in, of all places, a graveyard covered in a cloak of smoke and darkness. I admit, their dance of the dead, in such a gloomy necropolis, did strike me as, strange.

Two amicable ladies from Kent convinced me to visit their hometown tomorrow, where, they told me, the authentic, "working" Leeds Castle and the mighty interesting home of Charles Darwin await.

I’m nursing a pint of Green King Ruddles and wondering about the profusion of British ales and lagers; the British have done a great deed for the world by creating an interminable line of low-alcohol session beers that can be enjoyed at breakfast, lunch, tea and dinner; and their disservice is this: besides this inexhaustible supply of cheap beer ensnaring my inner alcoholic, I feel myself putting on my freshman fifteen, almost ten years after the fact; I am going to have to run a bit harder back in Hong Kong if I want to burn all this malty fuel off.

Irene suggested I stop by the National Art Gallery since we were in the area; and it was an hour well spent. The gallery currently presents a special exhibit on Picasso, the non-ticketed section of which features several seductive renderings, including David spying on Bathsheba – repeated in clever variants – and parodies of other masters’ works. Furthermore, the main gallery houses two fabulous portraits by Joshua Reynolds, who happens to be favorite of mine, he in life being a close friend of Samuel Johnson – I passed by Boswells, where its namesake first met Johnson, on my way to the opera house.

14.4.09
I prayed last night, and went through my list, lifting everyone on it up to the Lord. That felt good; that God is alive now, and ever present in my life and in the lives of my brothers and sisters.

Doubtless, then, I have felt quite wistful, as though a specter in the land of the living, being in a place where religious fervor, it seems, is a thing of the past, a trifling for many, to be hidden away in the opaque corners of centuries-old cathedrals that are more expensive tourist destinations than liberating homes of worship these days. Indeed, I have yet to see anyone pray, outside of the Easter service which I attended in Cambridge – for such an ecstatic moment in verily a grand church, would you believe that it was only attended by at most three dozen spirited ones. The people of England, and Europe in general, have, it is my hope, only locked away the Word, relegating it to the quiet vault of their hearts. May it be taken out in the sudden pause before mealtimes and in the still crisp mornings and cool, silent nights. There is still hope for a revival in this place, for faith to rise like that splendid sun every morning. God would love to rescue them, to deliver them in this day, it is certain.

I wonder what Londoners think, if anything at all, about their police state which, like a vine in the shadows, has taken root in all corners of daily life, from the terrorist notifications in the underground, which implore Londoners to report all things suspicious, to the pair of dogs which eagerly stroll through Euston. What makes this all the more incredible is the fact that even the United States, the indomitable nemesis of the fledgling, rebel order, doesn’t dare bombard its citizens with such fear mongering these days, especially with Obama in office; maybe we’ve grown wise in these past few years to the dubious returns of surrendering civil liberties to the state, of having our bags checked everywhere – London Eye; Hairspray; and The Royal Opera House check bags in London while the museums do not; somehow, that doesn’t add up for me.

I’m in a majestic bookshop on New Street in Birmingham, and certainly to confirm my suspicions, there are just as many books on the death of Christianity in Britain as there are books which attempt to murder Christianity everywhere. I did find, however, a nice biography on John Wesley by Roy Hattersley and The Screwtape Letters by C.S. Lewis. I may pick up the former.

Lunch with Sally was pleasant and mirthful. We dined at a French restaurant nearby New Street – yes, Birmingham is a cultural capitol! Sally and I both tried their omelette, while her boyfriend had the fish, without chips. Conversation was light, the levity was there and so was our reminiscing about those fleeting moments during our first year in Hong Kong; it is amazing how friendships can resume so suddenly with a smile. On their recommendation, I am on my way to Warwick Castle – they also suggested that I visit Cadbury World, but they cannot take on additional visitors at the moment, the tourist office staff informed me, much to my disappointment!

Visiting Warwick Castle really made for a great day out. The castle, parts of which were established by William the Conquerer in 1068, is as much a kitschy tourist trap as a meticulous preservation of history, at times a sillier version of Ocean Park while at others a dignified dedication to a most glorious, inexorably English past. The castle caters to all visitors; and not surprisingly, that which delighted all audiences was a giant trebuchet siege engine, which for the five p.m. performance hurled a fireball high and far into the air – fantastic! Taliban beware!

15.4.09
I’m leaving on a jet plane this evening; don’t know when I’ll be back in England again. I’ll miss this quirky, yet endearing place; and that I shall miss Irene and Tom who so generously welcomed me into their home, fed me, and suffered my use of their toilet and shower goes without saying. I’m grateful for God’s many blessings on this trip.

On the itinerary today is a trip to John Wesley’s home, followed by a visit to the Imperial War Museum. Already this morning I picked up a tube of Oilatum, a week late perhaps, which Teri recommended I use to treat this obstinate, dermal weakness of mine – I’m happy to report that my skin has stopped crying.

John Wesley’s home is alive and well. Services are still held in the chapel everyday; and its crypt, so far from being a cellar for the dead, is a bright, spacious museum in which all things Wesley are on display – I never realized how much of an iconic figure he became in England; at the height of this idol frenzy, ironic in itself, he must have been as popular as the Beatles were at their apex. The house itself is a multi-story edifice with narrow, precipitous staircases and spacious rooms decorated in an 18th century fashion.

I found Samuel Johnson’s house within a maze of red brick hidden alongside Fleet Street. To be in the home of the man who wrote the English dictionary, and whose indefatigable love for obscure words became the inspiration for my own lexical obsession, this, by far, is the climax of my visit to England! The best certainly has been saved for last.

There are a multitude of portraits hanging around the house like ornaments on a tree. Every likeness has its own story, meticulously retold on the crib sheets in each room. Celebrities abound, including David Garrick and Sir Joshua Reynolds, who painted several of the finer images in the house. I have developed a particular affinity for Oliver Goldsmith, of whom Boswell writes, "His person was short, his countenance coarse and vulgar, his deportment that of a scholar awkwardly affecting the easy gentleman. It appears as though I, too, could use a more flattering description of myself!

I regretfully couldn’t stop to try the curry in England; I guess the CityU canteen’s take on the dish will have to do. I did, however, have the opportune task of flirting with the cute Cathay Pacific counter staff who checked me in. She was gorgeous in red, light powder on her cheeks, with real diamond earrings, she said; and her small, delicate face, commanded by a posh British accent rendered her positively irresistible, electrifying. Not only did she grant me an aisle seat but she had the gumption to return my fawning with zest; she must be a pro at this by now.

I saw her again as she was pulling double-duty, collecting tickets prior to boarding. She remembered my quest for curry; and in the fog of infatuation, where nary a man has been made, I fumbled my words like the sloppy kid who has had too much punch. I am just an amateur, alas, an "Oliver Goldsmith" with the ladies – I got no game – booyah!

Some final, consequential bits: because of the chavs, Burberry no longer sells those fashionable baseball caps; because of the IRA, rubbish bins are no longer a commodity on the streets of London, and as a result, the streets and the Underground of the city are a soiled mess; and because of other terrorists from distant, more arid lands, going through a Western airport has taken on the tedium of perfunctory procedure that doesn’t make me feel any safer from my invisible enemies.

At last, I saw so many Indians working at Heathrow that I could have easily mistaken the place for Mumbai. Their presence surprised me because their portion of the general population surely must be less than their portion of Heathrow staff, indicating some mysterious hiring bias. Regardless, they do a superb job with cursory airport checks, and in general are absurdly funny and witty when not tactless.

That’s all for England!

Sanke card # 37: “Unsere Flieger-Helden”
credit cards for no credit history

Image by drakegoodman
Letter on reverse (below) dated 30.7.1917.

Commercial postcard depicting a dozen of Germany’s most celebrated airmen of the Great War.

"Unsere Flieger-Helden" – "To our flier heroes"

Postkartenvertrieb W. Sanke of Berlin, published a series of about 600-700 numbered postcards, showing World War I aviators from about 1910 to ca. 1918/20, when he went out of business.

The complete list of Sanke cards can be found here: www.frontflieger.de/3sanke01.html .

Cool Pay My Student Loan images

A few nice pay my student loan images I found:

PodCamp NYC 2.0 Photos
pay my student loan

Image by Christopher S. Penn
Now that’s multitasking.

My participation sponsored, of course, by the Student Loan Network and the Financial Aid Podcast which paid my way.

PodCamp NYC 2.0 Photos
pay my student loan

Image by Christopher S. Penn
Photos from PodCamp NYC.

My participation sponsored, of course, by the Student Loan Network and the Financial Aid Podcast which paid my way.

PodCamp NYC 2.0 Photos
pay my student loan

Image by Christopher S. Penn
Photos from PodCamp NYC.

My participation sponsored, of course, by the Student Loan Network and the Financial Aid Podcast which paid my way.

Cool Finance Software Small Business images

Some cool finance software small business images:

The Cafe (2 of 3)
finance software small business

Image by jaycross
Looking around the cafe table, I see that most of us have gray hair (if any) and the wisdom of experience. We are driven. We have written books on learning, delivered presentations at international forums, and been recognized as thought leaders. Our backgrounds encompass corporate training and higher education; work inside major corporations and small NGOs; and demonstrated success achieving corporate objectives, boosting sales, and helping people make sound decisions. We have expertise in learning, OD, informal learning, coaching, learning governance, unmeetings, systems, marketing, networks, sociology, finance, philosophy, open software, web 2.0, learning games, simulations, mobile learning, change management, agile development, visualization, appreciative inquiry, open space technology, community building, motivation, metrics, statistics, performance support, and more. We’ve been around the block and grown tired of reinventing the wheel.

We’re not just thinkers, we’re doers. We’ve created innovative and yet pragmatic solutions. We’ve led teams, built systems, designed business models, created marketing plans, managed projects, and delivered outcomes. We’ve walked the walk and can talk the talk. And we’ve demonstrated, repeatedly, an ability to think outside the box and come at things in new ways, to draw upon that rich experience to transcend and ultimately to revolutionize.

Top 10 Tech Trends for 2010
finance software small business

Image by jurvetson
With real time voting by all audience members, just to add to the stress. =)

Each of us had to come up with two tech trends to watch for the next year. Here is what we debated:

Steve Jurvetson:
1) It’s a wonderful time to start a company. In retrospect, 2010 will be a great entrepreneurial vintage with exceptional fruit from low-yielding vineyards.

Good omens include: global markets of record scale, an influx of human talent, a recurring long-wave-cycle of venture economics, and compounding disruptive innovation. Scientists do not slow down for recessions. The pace of innovation, as epitomized by Moore’s Law, is accelerating and is exogenous to the economy. Healthier company cultures are formed during down markets, with a frugal focus on customer feedback, rather than investors, or competitors. Most of the DJIA are companies founded during a recession. (edit: this video is now online here)

2) Code comes alive. History will highlight 2010 as the year of the first synthetic life — a watershed accomplishment in “Biotech 2.0” and the next epoch of evolution.

With 100% of the DNA assembled from beakers of chemicals, synthetic microbes will boot up as living, self-replicating cells. Heralding an era of intelligent design in biology, one composes the digital genome on a computer, writing software that creates its own hardware. Instead of slowly splicing physical genes, scientists will create billions of genetically novel microbes per day. Early applications will recycle waste into fuels, chemicals and clean water. (edit: a video clip of this one went online)

David Weiden:
1. Wearable computers and the next hundred billion connected devices
Breakthroughs in power management and manufacturing, combined with a steady shift to cloud services and increasingly pervasive wireless Internet connections form the catalysts for new classes of devices and Internet services. Many expect connected devices to be more than an order of magnitude greater than the number of phones with the next decade or two. Will there be an Apple of wearable computers? Of connected medical devices? Inside or outside your body? Opportunities for new category defining companies abound. But beware of silicon cockroaches.

2. The Internet finds a new patient: healthcare
A .7 trillion dollar industry in the US alone. The 2010 healthcare reform bill will introduce 30 million new patients, no new doctors, less money available per patient. The government has signed up to pay over ,000 per doctor who moves to electronic medical records. Oracle recently turned their acquisition sites in this direction with the 0M acquisition of Phase Forward. Huge market, under stress, financial incentives, increasing M&A activity … is it time for Internet innovation to increase focus here?

Kevin Efrusy:
1. Social Web as Substrate for New Category Killers
Every major media shift (Radio to TV, TV to Web Portals, Web Portals to Search, Search to Social) gives rise to a set of brand new fast-growing companies who are the first to recognize and fully exploit the transition. Yahoo! enabled DR advertising, Google enabled long-tail ecommerce and media, and Facebook/Twitter enabling social gaming (Playfish/Zynga), social commerce (Groupon, Gilt), and soon will enable other categories to be reinvented as well (Travel, Finance, etc).

2. The Rise of the New Software Stack
While threatened before, the traditional stack for managing apps and data has come under its final assault. The old infrastructure was designed for reservations and financial transactions (precision at all costs), while the data from new applications is 3 orders of magnitude larger and often generated by machine or other non-financial activity (logs, clicks, metadata, links, streams, etc.). The new companies (Google, Facebook, Zynga) have solved this with a new infrastructure "stack," (Hadoop, MemcacheD) for the masses as even small companies have big data problems.

Esther Dyson:
1. HomeBrew Health: We don’t need no stinkin’ care! We’ll manage our bodies the way we manage our budgets, and reduce our health care costs by not needing care.

80 words: That’s aspirational, but it’s happening and will spread. Quantified Selfers will monitor their own vital signs and behaviors, using tools such as Nike+, FitBit, MyZeo (sleep monitor). Game dynamics will let them compete/collaborate with others. There’s a huge market for health care, and a huge market for bad health (cigarettes, too much alcohol, fatty/sweet foods). Now there will also be a market for good health. Over time, aggregated data will persuade employers and even insurers to pay, broadening the market further.

2. Long-term accountability is the new transparency:

Transparency was great, but the market demands results, not just visibility. Nonprofits and for-profits alike will be measured on the results of their spending – on ROI rather than donations, on the creation of sustainable businesses rather than short-term gains. Wal-Mart and others lead the way with focused programs for employees and supply-chain visibility, while the World Bank will publish its spending so that putative beneficiaries get what was promised.

Ron Conway:
1) the web is now truly social since consumers are more Open and Willing to Share data resulting in explosive growth and monetization as proven by the widespread adoption of Facebook, Twitter and other social media sites.

Proof: Twitter will grow to 1B searches a day across its ecosystem (up from 600m today) and Facebook will grow to over 500m users in the coming months.

2) the real-time web, the corpus of time-relevant data created by users collective wisdom will be a billion dollar oppty in 2010.

Twitter led the charge, and now companies are integrating time-relevancy/LBS into products like FourSquare who will grow to 3-5m users over the next 12 months

Here’s the ABC news coverage of this Churchill Club event last night.

Powered by Yahoo! Answers