Even the Tin Man gets into St. Patrick's Day celebrations. Image from Flickr.

For Catholics, St. Patrick’s Day was once a holy day of obligation – and for Irish everywhere, St. Patrick’s day is a chance to celebrate this amazing little country that gets overlooked far too often the rest of the year. If you’d like your St. Paddy’s Day celebrating to go beyond some corned beef and cabbage on your dinner menu, give these ideas a try. For most of them, you won’t even need pay day loans – just a little planning ahead.

10- Drink an Irish beer

The history of beer in Ireland goes far beyond getting a little tipsy in a pub. For a very long time, most water was simply unsafe to drink. Many monasteries as well as households brewed their own beer as a way to have a safe beverage to drink. The alcohol killed bacteria that would otherwise be dangerous. Breweries in Ireland have a long history, sometimes going back hundreds of years. Sip a dark Irish brew and appreciate the fact that without beer, life would have been much more difficult in the dark ages.

9- Try a new stew recipe

Corned beef and cabbage is not actually a traditional Irish meal; beef was too expensive for Irish peasants. Instead, try giving a good, thick Irish stew a try. Layer a pound of carrots with two small onions, a pound or two of potatoes, frozen peas, and two pounds of lamb or mutton, and beef broth or water in your crockpot. Set it on low and let it stew for 8-10 hours while you’re at work. You’ll be able to come home to a truly traditional St. Patrick’s Day feast.

8- Wear green

The wearing of green on St. Patrick’s day started with a political statement in 1790. Irish soldiers wore full green uniforms in hopes of making a statement about Irish nationalism.

7- Travel to Butte, Montana

If you’ve got some extra money from secured loans, then you should try traveling to Butte, Montana for its St. Patrick’s day celebration. It’s not the largest celebration in the country, but this little mining town has a St. Patrick’s day party that is worth the travel. There are even bars in Billings that open only for St. Patrick’s day – and if you’re lucky, you’ll see the governor of Montana delivering their liquor license.

6- Enjoy an Irish drama

Check out your local theater to see if you can see an Irish playwright on the stage – Samuel Beckett, Paul Vincent Carroll, George Bernard Shaw, Oscar Wilde, and W.B. Yeats all hail from the Emerald Isle.

5- Find Irish music

Stepdancers or not, you can almost always find good Irish music around St. Patrick’s day. Call around to pubs, bars, and performance spaces to find a rousing concert to celebrate the day.

4- Have a leprechaun visit

If you’ve got wee ones in the house, then set up a “leprechaun visit” for them to discover when they wake up or come home from school. Use baby shoes and washable paint or green construction paper to put footprints all over the house. If you want to make it extra special, have one trail of footprints lead to a rainbow with chocolate “gold” at the end of it for them to find.

3- Curl up with a good book

No matter if you love fiction, fantasy, or semi-autobiographical books, Irish authors have you covered. Pour yourself some Irish whiskey and celebrate St. Patrick’s day by reading James Joyce, Jonathan Swift or George Moore.

2- Watch an Irish movie

OK, so they may not be entirely “authentic,” but what could be more fun than watching movies with a “touch o’ the blarney” to celebrate St. Patrick’s Day? “The Luck of the Irish”, “Far and Away”, “The Departed”, “Finian’s Rainbow”, or even the new movie “Leap Year” all showcase the people, places, or feelings of the Emerald Isle.

1- Plant potatoes

St. Patrick’s day also marks the beginning of Spring in many parts of the world. Celebrate the coming growing season and have never-to-be-topped fresh potatoes for your table throughout the fall by planting your own Irish Gold. Your local seed store or online sources offer seed potatoes, and potatoes can be grown anywhere you’ve got (or can put) a square foot of dirt.

Rielle Hunter and two fuzzy guys who want her number. (Photo: jimtreacher.com)

Rielle Hunter pictures have been splashed across our consciousness ever since her affair with presidential candidate John Edwards was exposed. Not only did Personal Money Store cover the John Edwards/Rielle Hunter shenanigans then, but Ms. Hunter is still apparently on tour – as this recent GQ article proves.

First impressions are very important, in that they can make or break the relationships we form with others. If that was our first impression of videographer and new mother Rielle Hunter, then things didn’t go so well, although John Edwards has just as much pie on his face (if not more for allegedly paying Rielle Hunter off). But for those of us who hadn’t formed an impression the first time, we have the GQ article “Hello, America. My name is Rielle Hunter.” That chance at a “first impression” has also been blown, as Hunter is complaining that the photographer somehow tricked her into posing in risqué fashion with Barney and Kermit. I think all she could see was the quick cash.

Rielle Hunter, is titillating stuffed animals part of your recovery plan?

Honestly, there’s nothing wrong with putting on the sexy. However, Rielle Hunter shouldn’t complain about the bed if she made it and she’s sleeping in it for monetary gain. The GQ photos aren’t “trashy,” by any means, but they are not going to change the public’s opinion of her. For better or worse, women involved in scandalous affairs with high-ranking male politicians tend to get the short end of the stick when it comes to the public perception.  Posing in pearls, a man’s dress shirt and nothing else might be fun, but it won’t change minds. Rielle Hunter pictures indicate more of the same.

She was in tears over the photo? She must have been on ‘The View’

That’s the story USA Today is going with. Frankly, Whoopi Goldberg and the rest of “The View” cast makes my eyes and ears sting so bad that I want to “Jumpin’ Jack Flash” over to another channel – or at least take out pay day loans for eye and ear surgery. But I digress. We all know the target demographic of “The View,” and Rielle Hunter and her people likely calculated her response to the GQ photo shoot and where she would make her heartfelt cry for justice.

Posing without pants? It’s in there

Do you think that priority one for any publication is to repair your image, Rielle Hunter? No. They’re looking to move product, whether it’s GQ or any other business.

But again, what kind of image are you attempting to convey here? Get a new publicist and sort out your story if you want to be thought of as something other than a political scandal hussy. Clearly you had other things going on before John Edwards; there’s no reason you can’t make your own way and be defined by your character and your work. However, if your plan is to be photographed by a national publication with only a dress shirt and pearls, then giggity – your life will be all about a sexual quagmire.

Related Video (Rielle Hunter on a game show, because you want it):

Google is the nearly indisputable king of internet searches; last month alone, it claimed 72.11 percent of all searches in the U.S., according to HitWise. It makes sense, then, that Google would be trying to break into China, where the number of internet users exceeds the entire population of the U.S., according to the McKinsey Quarterly. Google initially censored many search results in order to comply with the government in China – blocking results about democracy, pay day loans, and Tienanmen Square. However, it appears that Google and China have reached an impasse in negotiations about censorship, and google.cn, the Chinese-based portal for Google will be shutting down.

Google’s China-based search

Google.cn, the Google China web site, started in 2005. Originally, Google had agreed to censor search results in China to meet with the Chinese government’s requirements. Google took some very heated opposition to this move, but the proposition of getting their “foot in the door” to the very large Chinese market encouraged Google to work with the requirements of the government in China. There were some that accused Google, a very public supporter of net neutrality of putting their principles on the back shelf by agreeing to censor their results. Like short term loans for bad credit, Google was willing to take out some search results in order to get things on track.

The disagreement between Google and China

Google is the best-known name in search in most of the world - but Google's China operations will be shutting down. Image from Flickr.

After the initial anger about Google censoring its search results to meet with China’s government regulations died down, things remained fairly quiet until January of this year. On Jan. 12, Google announced a “New approach to China.” This move came as the result of cyber attacks not only on Google, but on the Gmail accounts of Chinese human rights activists and advocates. At that point, Google announced that it would no longer be censoring search results in China. The government in China, as reported by the BBC agreed to talks with Google about censoring practices. However, the New York Times reports that those talks appear to have broken down. Nicole Wong, Google’s Vice President outlined in a statement:

“We are no longer willing to censor our search results in China, and we are currently reviewing our options. If the option is that we’ll shutter our .cn operation and leave the country, we are prepared to do that.

China has gone so far as to warn Google partners in China that they need to find “alternatives” to their Google search boxes.

History of internet censorship in China

The government in China, for the most part, appears to be very unconcerned about Google’s decision to remove its censored search engine. This is, in part, because China has a fairly well-developed system of internet censorship that they have been monitoring and using for years. Known as the “great Firewall,” there is a massive no-access blockage to many web sites available online.

Many popular web sites, such as YouTube and Wikipedia, are also heavily restricted based on certain topics. China also requires internet users to provide personal information to log onto the internet in Internet cafes, where most internet users in China log on. This massive effort of information control is known as the “Golden Shield Project.” Many U.S. companies, such as Google, have altered the way they do business in China in order to work with their huge population and growing economic power.

What Google will do with China

Now that Google is “most likely” shutting down its Google.cn operations, internet users in China will most likely not be able to access Google.com. Though they will be effectively cutting themselves out of a very large market, Google’s handling of the government in China is just the latest of a long string of U.S. Companies clashing with the Chinese government. Google has stated that it hopes users in China will continue to use Google.com, though in reality, Google will most likely lose the market share available in China.

Cell phones and scooters are empowering innovations for women

A recent issue of the Economist featured a cover story about “gendercide” in countries like China where new ultrasound-scan technology has resulted in a significant sex-ratio imbalance.  The use of ultrasound scans to detect the sex of embryos for the purpose of aborting females in countries where male offspring are valued more highly is a frightening example of how a technological innovation can benefit the sexes disproportionately.

Ultrasound scans are widely used and inexpensive even in developing countries.  Few people have to wait until pay day or visit a payday loan store to pay for one.

The internet is man-friendly

Other less controversial innovations also benefit men more than women.  In many countries, for example, the internet benefits men disproportionately.  According to an online Economist article, it is estimated that in Africa only 25% of internet users are female.  In Asia 22%, in Latin America 38%, and in the Middle East just 6% of internet users are female.

Some innovations are inherently woman-friendly

Other innovations, however, have served to directly empower women. Birth control drugs may be the most widespread innovation ever to offer disproportionate benefits for women.  This is especially true in developing countries where education for women — far and away the most effective thing ever devised for improving the lives of women — is still not widely available.  The automatic clothes washer, and in more affluent countries the automatic dishwasher, are other innovations that have benefited women almost exclusively.

A report issued by the International Centre for Research on Women notes that social innovations – some of which might more aptly be called horror-reduction programs – such as the land-titling movement in Peru and the anti-foot-binding campaign in China have had massive beneficial impacts on women’s lives.  How, you might reasonably ask, could something so fundamental as discouraging the intentional crippling of young girls for the pleasure of men have anything other than a massively beneficial impact on the lives of women?

Other innovations are unexpectedly woman-friendly

The beneficial effects of other innovations, however, are not so starkly evident.  Recently, a panel of experts convened by the ICRW examined several less obvious innovations that have helped to empower women and promote gender equality.  The panel concluded that governments and businesses around the world are now at a “critical juncture to use social and technological innovations to benefit women.”

Microcredit lending

Among the innovations reviewed by the panel, microcredit lending has received a fair amount of public attention.  Microcredit is a lending system that makes very small business loans to extremely poor people, most of whom are female.  Microcredit lending has been very successful in helping small business owners in poor countries graduate from miserable poverty to at least marginal self-sufficiency.

Cell phones

A first-world citizen with a cell phone in the car, a cell phone in the golf cart, a cell phone at the office, and three cell phones in the house may find this beyond imagining, but many women in countries like Bangladesh have dramatically improved their lives by investing in a cell phone and renting it out to less technologically advanced villagers.

Motor scooters

Increasing sales of motorized scooters have helped to empower women in China, India, and several other Asian countries. The past decade has seen a dramatic surge in the use of motor scooters by Asian women; in India 60% of scooter purchases are now made by women.  Motor scooters provide a reasonably safe and reliable way for women who would otherwise be house-bound to seek out employment and education.

Cell phones, revisited

Matthew Bishop, a member of the ICRW panel and co-author with Michael Green of Philanthrocapitalism: How the Rich Can Save the World, predicts that developments in health-care technology, especially maternal health, are on the horizon. He suggests, for example, that mobile phones could be used to provide remote medical care or to text information about childcare to isolated women.  Bishop suggests that governments as well as private enterprises should incorporate the goal of improving women’s lives into the development of new products and services.

Involving women in innovation

The ICRW panelists concluded that in order to optimize the effectiveness of an innovation that stands to benefit women, women should be involved in innovation strategies from the start. This seemingly simple insight may turn out to be the most innovative of all woman-friendly innovations.

Case in point: A campaign to encourage people in poor countries to switch to environmentally friendly stoves did not succeed until the stoves were redesigned using input from women’s groups.  The redesigned stoves now require less cooking time as well as less fossil fuel, and are a running success.  Fuel is conserved and women who formerly devoted large portions of each day to gathering wood and standing over the stove now have more time to devote to other things.

More woman-friendly innovations on the way

The ICRW panel hopes that governments and business will increasingly make woman-friendly innovations available to developing countries — things like foot-pedaled water pumps, micro-franchised electricity in rural areas not served by public utilities, and new ways to distribute basic health-care information. These kinds of innovative products and services, in combination with major social campaigns to upgrade the education and status of women in poor countries, have the potential to liberate millions of people.

In some patients, medication can reduce Asperger's disease symptoms. Image from Flickr.

Apserger’s disease is a form of autism that causes difficulty with social interaction and behavioral patterns including repetitive and restrictive actions. Those aspects of Asperger’s disease are explained in Part 1. This section, Part 2, discusses the discovery and naming of Asperger’s disease as well as what what causes it.

Dr. Hans Asperger, disease moniker

In 1944, long before payday loans online, pediatrician Hans Asperger first noticed behavioral patterns in some of his patients that included an absence of or limited empathy, lack of nonverbal communication skills and often physical clumsiness. The term “Asperger syndrome” was popularized in 1981 because of papers written by other researchers. It was not until 50 years later that Asperger’s disease — Asperger’s syndrome or Asperger disorder in the medical field — became a standardized diagnosis.

When Dr. Asperger first wrote about the syndrome that would later be named for him, he called it autism psychopathy. Autism means “self” and psychopathy means “personality disorder.” Asperger, an Austrian, opened a school for children with autistic psychopathy, but it was bombed near the end of World War II and much of his work was lost. This event is credited for the delay in spreading understanding and awareness of Asperger’s disease.

Causes of Asperger’s disease

Asperger syndrome is a genetic disease. The specific gene that causes Asperger’s disease has not yet been identified, but it is classified as a genetic disease because Asperger documented common symptoms found in  affected patients’ families, especially the fathers. Other extensive research also shows all autism spectrum disorders have a genetic component.

Experts say Asperger syndrome is the result of developmental factors, specifically brain development. These factors can affect many or all brain functions. Studies show that the type of brain development that leads to Asperger’s syndrome begins in a fetus shortly after conception.

Asperger syndrome resources

If you want to learn more about Asperger syndrome, you don’t need to go spending your pay day loans on books or information videos. There is plenty of free content online. There is a lot of valuable information on good old Wikipedia. Here are some other web sites to check out for more information on Asperger’s disease:

• Autism Society
• KidsHealth
• National Institute of Neurological Disorders
• Web MD
• Autism program at Yale

MN appliance rebate: the dollars and sense of it all

This is all part of a larger national program called the Trade-in & Save Appliance Program, which in turn is an arm of the American Recovery and Reinvestment Act (ARRA). For Minnesota, it is estimated that 25,450 homeowners will receive a tax rebate if they get rid of their old refrigerators, dishwashers and other appliances for more energy-efficient ENERGY STAR models. Purchases must be made within the state in which you’re filing (in this case, Minnesota) between March 1 and 31, 2010. Retroactive rebates will not be allowed and the MN appliance rebate shall only apply to appliances used in the taxpayer’s residence – commercial and rental properties won’t count.

How much energy will the Minnesota appliance rebate 2010 save?

According to Arrowhead Electric Cooperative, “2,200,412 KWh in energy, 43,729,920 gallons of water and 4,705,065 lbs of carbon (CO2)” will be saved. That’s significant for the environment, and it will save you money when you need it most. Your pay day loans blogger wishes he had appliances he could replace to sop up the juicy appliance rebate in his state.

How does the MN appliance rebate break down by appliance?

I found this to be rather interesting. Arrowhead seems to know specifically how many of each appliance will be taken in by the Minnesota appliance rebate 2010. Specifically, 6,035 clothes washers ($200 rebate each); 6,005 dishwashers ($150 each); 1,999 freezers ($100 each with “proof of demanufacturing,” which means the old appliance won’t be reused or resold, or $50 without); 11,411 refrigerators ($200 with proof of demanufacturing, $100 without)

Other important facts about the MN appliance rebate

1. Only one rebate for one purchase allowed per household ($200 max rebate)
2. Once rebate is reserved, resident as 17 days to get the new appliance, recycle the old and send in the rebate application
3. Unclaimed funds will go to those on a wait list for the MN appliance rebate program. It will be done on a first come, first served basis.

For more information on the Minnesota appliance rebate 2010, visit http://www.mnappliancerebate.com/.

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Last week, new unemployment claims increased for the second week in a row, reaching their highest point since November 2009.  At the same time, shipments and new orders of durable goods were weak as the economy continued to struggle toward recovery. For people without jobs — especially those who weren’t able to make ends meet and had been relying on unsecured loans and pay day loans to get by even while  employed — this is nothing but more of the same old bad news.  Not that the typical laid-off worker struggling to put food on the table would really care, but this most recent unexpected spike in unemployment claims has had a discouraging effect on US stock markets.

The biggest increase in more than three months

According to a new Los Angeles Times online article, new orders for manufactured durable goods, not including transportation equipment, slipped again in January, this time by 0.6%, after having increased by 2% in December 2009. At the same time, the Labor Department reported that the overall number of workers filing claims for unemployment benefits increased by 22,000 last week, to 496,000, up from 474,000 the previous week and the highest level in more than three months.

California gains, Kentucky loses

The bad news wasn’t uniformly distributed across the nation, however. California, for example, had a significant decrease in its number of unemployment claims. California unemployment claims were down by with 5,540 at the end of last week, a reduction attributed to fewer layoffs in the service industry. Claims filed by Kentucky workers, on the other hand, jumped by 2,510, due in large part to a new round of layoffs in auto and manufacturing industries.

Those statistics are people

When it comes to unemployment, numbers and statistics are everywhere, but they carry no particular meaning for the people who are those numbers and statistics. Workers aren’t just being laid off for the proverbial lack of work. Workers are being laid off in more insulting ways.  A good example is the abusive employers that lay off workers only to hire other, more desperate unemployed workers to do the same work, if not more of it, for less pay.

Perpetuating the problem

In their tunnel vision and dogged determination to save a dollar today, these employers cannot see that by replacing existing workers and with new workers who have been so desperate for so long that they’ll work for much less pay, they are perpetuating  spiraling unemployment costs, and those costs are borne largely by none other than the employers themselves.

Ohio Rep. Dennis Kucinich (D) calls it “investing in America.”  After a 70-28 vote in the Senate, the $15 billion Democratic jobs bill to stimulate job creation has passed with 55 Democrats, 13 Republicans and two Independents saying yes. Considering just how far the American workforce and their pay day loans have to come, that $15 billion is considered to be “modest in scope,” as the New York Times puts it.

What will the jobs bill do?

Our recent coverage of the jobs bill referenced Fox News, which broke down the $15 billion bill into $13 billion in payroll tax breaks for employers who start hiring workers unemployed for 60 days or more; $35 million for “small business depreciation”; $2 billion for infrastructure bonds; and a highway bill extension.

Bipartisan support suggests it could speed through the House

This is turn would mean that the jobs bill gets to the president’s desk quickly. The only way Americans will be able to stimulate the economy long-term is if they are employed, so the current jobs bill comes at just the right time.

Newly elected Republican Senator Scott Brown of Massachusetts – a man who has attracted no small amount of controversy – was vital to the process of pushing the jobs bill through the Senate. While he doesn’t see the jobs bill as being perfect, he understands the importance of obtaining assistance for unemployed Americans as soon as possible. But if the House sends through a version “full of pork, waste, fraud and abuse,” Brown told the Times he’d vote against it. That’s the kind of “progressive Republican” that makes Glenn Beck’s flesh crawl.

Harry Reid is happy about the result

“We have a jobs agenda, not a jobs bill,” the Senate majority leader told the media. “We’re going to have more votes, and create more jobs.”

At this point, any opportunity – from astrophysicist to payday lender – is a good opportunity.

Related Video:

Bradley Cooper image from Wikimedia Commons.

There are all types of rumors surrounding Renee Zellweger and Bradley Cooper’s relationship. The most recent rumor is that Renee Zellweger is pregnant. These rumors stem from a photo of Renee in a fitted dress; the tabloids seem to believe that the little extra shape she has around her midsection is caused by a baby.

She wore the form-fitting dress to the Berlin Film Festival, and so far there is nothing other than tabloid speculation about Renee Zellweger being pregnant. I saw a bunch of the photos at the Huffington Post, and I see absolutely no reason to believe that Renee Zellweger is pregnant. That little bump could be from drinking a pitcher of beer. She’s in Germany, after all. I wonder if they have pay day loans there?

Reasons I don’t think Renee Zellweger is pregnant

There is no evidence to support rumors that Renee Zellweger is pregnant. Furthermore, she and boyfriend Bradley Cooper only made their relationship public a few months ago. A couple of weeks ago, there were other rumors swirling about Renee Zellweger and Bradley Cooper; people were saying they were engaged. The couple denies they are engaged.

Rumors also spread when Bradley Cooper purchased a new home. The gossip was that Renee Zellweger was going to move in with him. Bradley Cooper told Entertainment Daily that wasn’t true. So, if Bradley Cooper and Renee Zellweger are not engaged and not moving in together, why would Renee Zellweger want to get pregnant? Sure, some may believe she could have gotten pregnant by accident. But seriously, she is 40 years old and obviously pretty smart. I don’t think a well-informed, grown woman in the year 2010 gets pregnant accidentally. There are just too many ways to avoid it.

So, to sum up, to the best of my knowledge, Bradley Cooper and Renee Zellweger are not moving in together, not engaged and not pregnant. Does that cover all of the rumors?

The Dude abides in "Crazy Heart." Jeff bridges image from Flickr.

This is not a list of the most romantic movies to go to on Valentine’s Day. It’s a list of the best movies, based on reviews or other factors, that will be playing in theaters on Valentine’s Day.

For instance, the obvious answer to which movie to see on Valentines Day would be “Valentine’s Day.” However, it got terrible reviews, and it seems to be following the “more celebrities, less everything else” trend.  The “Grown Ups” trailer showcases this trend.

I know where you can get the best pay day loans, but I have turned to the experts to find out which movies are best.

1. Crazy Heart

This film got 93 percent good reviews on Rotten Tomatoes and 84 percent good reviews on Metacritic. It won a SAG Award and two Golden Globes, and it was nominated for two Oscars. Plus it has “heart” in the title, so it’s all Valentine’s Day-ey.

2. Avatar

Based on the system I am using, I must include “Avatar.” It got 82 percent good reviews on Rotten Tomatoes and 84 percent on Metacritic. It won tons of awards, and made tons of money. Even though it has been in theaters for weeks and sold enough tickets to break box office records, people are still spilling into theaters too see “Avatar” week after week. Plus, it’s a love story (among other things).

3. An Education

Another award-winner, “An Education” got 95 percent on RT and 85 on Meta. It’s a period piece (1960s), a coming-of-age story (about a girl) and it takes place in London. Isn’t that fancy?

4. The Blind Side

This one has been in theaters for quite a while, but as long as people keep going to see it, it will stay that way. “The Blind Side” is part chick flick and part football movie, so everyone wins!

5. Up in the Air

Another romance, this film contains a lot of layers and a lot of smarts. It also contains George Clooney. This film got a 90 on RT and a Golden Globe.

6. Fantastic Mr. Fox

This is a good one if you want to bring the kids, although it’s built for an adult audience as well. It got 93 percent good reviews on RT, and it was directed by the ever-fascinating Wes Anderson.

7. Percy Jackson & The Olympians: The Lightning Thief

This film comes out Friday, and despite how ridiculous the trailers look, it got good reviews. If you like fantasy films that involve Greek mythology and want to avoid mush altogether on Valentine’s Day, this one’s a good bet.

8. Youth in Revolt

I am a Michael Cera fan. However, when I first saw the commercials for “Youth in Revolt,” I thought, “Yawn, another angsty teen film starring Michael Cera as the awkward guy in love. However, now that I’ve seen that it got 71 percent good reviews on Rotten Tomatoes, I just might give it a shot.

9. The Lovely Bones

This movie seems to be surrounded in contradictions. It was lambasted by critics, but nominated for an Oscar and a Golden Globe. Reviews say it is filled with “abrupt shifts between horrific violence and cloying sentimentality.” You be the judge.

10. The Wolfman

OK, this one doesn’t follow my system. It got bad reviews. But if you want to have an anti-Valentine’s Day movie date, this horror flick will do the trick.

John Mayer is having a tough time getting along with late night talking heads and blogosphere players. Who can blame them? Part of it may be the smarmy rep they claim he’s been fostering in recent years, but I always take the pronouncements of Paris Hilton, Chelsea Handler and the maddening crowd with a grain of salt.

But when John Mayer says stuff like this in print – in Playboy, no less – you wonder whether his brain needs Windows Update. Then perhaps “John Mayer racist” would disappear from Google Trends, to be replaced by his viral descent into Rickroll purgatory. Call it a Johnnyroll – coming to your neighborhood soon! If you don’t know what I’m talking about – get a pay day loans and buy yourself some bandwidth so you can study up.

Paris Hilton is disgusted. Carrie Prejean could not be reached for comment

Let’s go to the glossy print for the story, plus my comments. Then you can decide if “John Mayer racist” is worth our time.

“My two biggest hits are ‘Your Body Is a Wonderland’ and ‘Daughters.’ If you think those songs are pandering, then you’ll think I’m a douche bag. It’s like I come on very strong. I am a very…I’m just very. V-E-R-Y. And if you can’t handle very, then I’m a douche bag. But I think the world needs a little very. That’s why black people love me.”

Yes, John Mayer must sing “Baby, I Love Your Way” to himself in the mirror. But here’s the first problem – he’s talking about being “in-your-face,” and that black people respect that. I didn’t know that had to do with any one race, John. Or are you talking about your touch with the ladies, specifically? If so, please don’t make an anatomical comparison with African-American men. Perez Hilton will cry, “John Mayer, racist!”

Then John says he has a “hood pass”

“It’s sort of a contradiction in terms, because if you really had a hood pass, you could call it a n****r pass. I can’t really have a hood pass. I’ve never walked into a restaurant, asked for a table and been told, ‘We’re full.’”

You’ll be hearing that more often soon, John. Just keep giving interviews like this and spin the serial dating bottle like you do.

Wait, wait, there’s more

“What is being black? It’s making the most of your life, not taking a single moment for granted. Taking something that’s seen as a struggle and making it work for you, or you’ll die inside. Not to say that my struggle is like the collective struggle of black America. But maybe my struggle is similar to one black dude’s.”

Who would that one dude be, John? Steve Urkel? I hear tell that Jaleel knows his way around a wonderland. He can handle the ball and knows how to score: ”@sarahminders @jaleel_white I’ll take u to the hoooooop about 21 hours ago from web”

Then John’s trail of thought completely derails

PLAYBOY: Do black women throw themselves at you?

MAYER: I don’t think I open myself to it. My d*&% is sort of like a white supremacist. I’ve got a Benetton heart and a f#$%in’ David Duke c$%k. I’m going to start dating separately from my d*&%.

Wow. You’re greasing the wheels of your public demise, Mr. Mayer. Then you go on to talk about Holly Robinson, Hilary from “The Fresh Prince of Bel Air” and Kerry Washington. At least change the names to protect the innocent. If you need pay day loans to hire a mouthpiece and a new publicist, then apply now, Johnnyroll.

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I know that my spending habits have changed in the last couple of years. Yours likely have too. This change is the result of job cuts, lower pay and the overall financial downturn. We all need the economy to recover and getting out there and spending some money would certainly help turn things around, but few people can afford to do that at this point. We are basically just spending money on the essentials these days, and even that spending has changed somewhat.

Where is Money being Spent?

According to a recent article on the U.S.News site, market research is showing some definite trends in how and where Americans are spending their hard earned money. One noticeable shift is in the amount of debt that most of us are willing to carry at this point. Before the recession people were more likely to buy on credit and to spend money on large items that were not essential. Nowadays consumers are sticking much more to the basics and trying to pay in cash as much as possible, sometimes taking short term loans when necessary.

Thinking Outside the Box

Tough times often inspire more creativity. People do not want to completely give up the pleasures in life. Dinners out with friends, family trips, fancy coffees and home renovations are all things that can be altered to fit a more frugal lifestyle. Organizing rotating potluck dinners at friends’ houses can replace dinners out. Camping or visiting local attractions can substitute for larger family trips. Buying some quality coffee beans, a grinder and a milk frother will allow you to create specialty coffee at home each morning. Doing basic home updates yourself such as painting, can really save money.

Labels No Longer Matter

There was a time when name brand products were king. This way of thinking has all but disappeared in recent years. Particularly when it comes to food items, many people have turned to no name and store brand products instead of the pricier name brands. There are many great-quality products in this category, some of which are even made in the same factories, right alongside the name brand products. Many consumers are finding that saving a few cents on each item really adds up and, with the quality being surprisingly good, they will continue to buy the lesser known brands in the future.

Removing the Temptation

Another finding is that consumers are spending far less time casually browsing stores. They now tend to go to the stores only when there is something they truly need. On the same note, if there is a larger item you need, such as furniture or appliances you can often find used ones for a lot less online or in the classified section of your newspaper. Conversely, if you have items that you no longer need you can make some extra cash by selling them off and you will be de-cluttering your house at the same time.

A Little Extra Help

We are all doing what we can to save money and get by from one payday to the next. Unfortunately, sometimes unexpected costs arise before payday. In these instances you may want to consider a payday or installment loan. Both are quick and easy to apply for online and can offer you a way to get through the rough patch.

As much as we would love to have some spare money tucked away for any emergency that could arise, it is just not always possible and that is when looking into no credit check pay loans may help. Payday loans can offer the quick cash you need to pay off unforeseen expenses so that you can make it to the next payday. Particularly with the current economic situation it is a good idea to be aware that there are options out there if you get stuck.

We have All been There

Practically everyone has been there at one time or another. You are working a low paying job just to get by. You do not want to be there, but it is all that is out there right now and it pulls in just enough to pay the bills each month with a little left over. You figure that you will be alright until something better comes along, but then the unexpected happens. Your car breaks down. The fridge stops working. You get sick and have to go to the doctor. You have already spent your most recent paycheque and are strapped for cash until next payday.

Do Payday Loans Payday Loans with No Credit Check Exist?

You may be feeling that because of some unfortunate circumstances that ruined your credit in the past, there is nowhere to go for the money you need now. There are absolutely legitimate lenders out there who will offer payday loans to people without doing a credit check.

Real Options for No Credit Check Payday Loans

You do not have to turn to someone operating a shady establishment out of his basement or try to make do without. There are genuine lenders willing to grant no credit check payday loans for just such cases. Applying online is quick and hassle free and you can have the money you need in almost no time at all. You will be amazed at how smooth and fast the process will be and you can get back to concentrating on the important issues in life.

Apply Here for a No Credit Check Payday Loan!

The recession has brought widespread hardship; borrowing money in the form of pay day loans or help from friends is often one of the few ways that newly casual workers can make it to the next pay cheque. A huge contributor to the tough times has been the extensive jobs cuts. With only part time work available in many cases, those hit hardest have trouble making ends meet. Since the recent upturn in the economy, many have become hopeful that their old positions will come back. Sadly, as explained in a Wall Street Journal article, a lot of of these hopes may go unfulfilled.

No Longer Necessary

The surge in home building and lending that preceded the recession created a large number of jobs for the blue collar and white collar workers alike. With all of the building that happened, construction jobs were plentiful, as were positions in plants that manufactured material used in making the homes. The boom in the housing market caused financial jobs to rise too. Once the economy began to crash and business in these areas plummeted, the need for these workers became almost nonexistent.

Further Casualties in Need of Pay Day Loans

Unfortunately, when the recession hit it gave employers the opportunity to also cut increasingly outdated positions with little to no warning. Some of the workers hit hardest by these kinds of job cuts were clerical workers, mailroom staff, record store employees, photo finishing staff and directory and mailing list publisher employees. All of these positions were on their way out because of advances in technology, but they likely would not have been hit so suddenly if the economy had not taken such a nosedive. Due to the abrupt nature of these job cuts many former full time employees are working casual jobs and turning to online lending in the form of pay day loans, or installment loans to get by.

Hard Facts to Face for those who Need Money Now

Adding insult to injury, during the recession many companies looked to workers in other countries because they could pay them less money to do the job. Disappointingly, many of these jobs will likely stay overseas. These kinds of changes are hard on former employees’ bank accounts and self-esteem.

Pay Day Loans can Help in the Tough Times

If you are among the many that have been hit hard by job cuts and are relying on reduced income it can be tough when unexpected expenses creep up. Car repairs, school expenses, household repairs and sometimes just everyday costs can get the best of us at times. In this case pay day loans can help get you through. They may just provide the financial relief you are looking for.

Apply Here for Pay Day Loans!

Did you know that you may qualify for a no fax payday loan and pay just a simple, one time fee? Further, if you are approved, you may be able to get a loan of up to $1500 directly deposited into your checking account in as little as two hours. We’ve all been in a situation where the timing just didn’t work out right, and waiting until payday wouldn’t work. So, if you are in situation where you need payday cash before payday, you have come to the right place.

Online payday loans

You can start the process to get easy, fast payday loans by simply filling out the application form. If you are approved, the funds will be deposited directly into your bank account typically within 24 hours, in most cases with two hours.

8 reasons why you should apply for a payday loan?

1. Credit card payments can cost you more than online payday loans.
2. Payday loans are a great alternative to credit cards.
3. No faxing is required.
4. Payday loans typically do not require credit checks.
5. Online payday loans can lower family stress.
6. Payday loans help in saving your credit score.
7. Payday loans allow fast access to cash.
8. Payday loans are much cheaper than bank overdraft fees.

Payday loan process

When you apply for payday loans, you and your lender will agree on a date when you will pay back your loan. The amount that you have to pay back is the payday loan amount plus the service fee for the loan.

How payday loans can help?

People often use short term loans to avoid hefty bank charges for bounced checks. Payday loans are also handy in emergencies such as car breakdowns or when the power company threatens to shut off your electricity. If you need cash loans to help you get through until your next payday, apply online now.

Apply Here for Payday Loans!

Need money in a Hurry?

Photo from Picasa

Anyone in need of cash in a pinch should consider the option of taking out a pay day loan. If you have never heard of pay day loans before or only have a vague understanding of what they are then you will probably want to investigate the details to decide if they are right for you. There are offline sources for pay day loans, but by far the easiest and quickest way to get one is from a reputable online source. There is no driving to the outlet and waiting in line involved. You just go to your computer and apply online. It is secure, speedy and aggravation-free.

Know the requirements

There are a few requirements in the U.S. to apply for this type of loan, though they are far less than will be required for most other kinds of loans. Firstly, you need to be employed, as implied by the name. You need to have a savings or checking account. You must also be at least 18 years of age and be a U.S. citizen. If you meet these criteria you should be clear to apply for a pay day loan.

How to Apply

Once it has been established that you meet the basic criteria you can go ahead and fill out the application. Your banking information will be among the items needed for the process, so ensure that you are applying on a trusted site with the security lock symbol in the bottom right of the page. Lending websites tend to have quite high online security set in place, as they are dealing with personal information. On the application you will need to include such items as employment information, bank account number, your contact information (possibly one or two references on some sites).

What will be Checked?

Not all, but some lenders may take a brief look at your credit history. They will likely be most concerned with whether or not your bank account is in good standing and your employment information checks out. The lender is basically just trying to determine whether or not you be able to pay the loan back.

The Advantages

Probably the greatest advantage of a pay day loan is that the money is available to you very quickly. With an online loan the process is accelerated further because you do not have to go anywhere to apply and there is no waiting to fill out the application. The other big advantage to these loans is that they are relatively easy to get and when you need cash right away it is nice to know that there is somewhere to turn. Be aware that these kinds of loans do have a fairly high interest rate, so you will want to pick and choose the best times to apply for them. Websites who do financial transactions other than pay day loans tend to have better rates than those who do pay day loans exclusively.

Quick Turnaround for Your Important Situation

In a situation where you need a pay day loan you probably need money quickly. It is comforting to know that you can get the cash you require within a couple of hours.

Apply Here for a Pay Day Loan!

You can get your cash in as quickly as two hours in some cases. The average payday loan application time is around 2.5 minutes. In some cases, applications can take up to 3 more minutes to be processed. Some payday lenders who approve your loan may contact you in a few minutes but pay close attention and write down which lender appears on your screen as the one approving you.

No Faxing, Credit Checks, or Collateral For Payday Loans

Lenders typically don’t require you to submit to a credit check. This means no credit inquiries on your record and they do not show on your credit report. You will likely not have to concern yourself with faxing of identification documentation. Faxing can be expensive if you have to drive somewhere and pay per page. Unsecured loans do not require people to pledge any collateral. Getting a pay day loan on our site will bring you many benefits.

With Payday Loan Applications, Security Is Important

The detailed and personal data of applications is processed with our highly secure system. The encryption used to protect your data is state of the art. The application is always transferred to payday loans lenders in a secure fashion. Identity theft is not a problem when you apply online with us. Employee access to payday loan application data is even restricted.

You Will Need These Things To Apply Online

The payday loan application form is just a short click away. The information for your banking is required due to the direct deposit of the funds. You will provide your employment information. Your employment history will be taken into account. Residence info will be required on the application. Payday lenders pay close attention to the duration of your current residence.

What Process Is Used For Payday Loan Applications

The processing of your payday loan application starts when you complete it and click submit. At that point your application data will be transferred to a loan processing agency. Fraudulent activity detection and other underwriting filters may be used in the processing of your application. When the processor matches your payday loan application with a lender’s underwriting filters the lender then gets to see your info. Once the lenders underwriting system gets your information they give the processing center an answer. All this happens instantly and you will be notified if the lenders answer is an approval.

What Its Like To Apply For a Payday Loan

A good feeling will be with you when you fill out your payday loan application. You cant image how great it feels to get approved within seconds. Getting spendable cash deposited to your account before you know it feels the best. A payday loans can bring that great feeling to the next level because your financial problem will be taken care of.

This Is What You Should Do To Get a Payday Loan

So if you are ready to get your extra cash in a hurry start your payday loan application now. You will love receiving your cash funds direct deposited to your account. Spending that money will take care of some of your temporary financial problems. Our loan matching system is free for the public to use so start your application now.

Apply for Payday Loans Below!

Ah, the good old days. Image from Flickr.

I remember “Alvin and the Chipmunks” from my childhood. I specifically remember listening to Alvin sing about wanting a hula hoop for Christmas. The memories are fuzzy, but my subconscious still strongly connects “Alvin and the Chipmunks” with Christmas. Great, now I’ve got that song stuck in my head.

Christmas Day marks the second theatrical release of a feature-length “Alvin and the Chipmunks” film. Much like the first film, the annoyingly named “Alvin and the Chipmunks: The Squeakquel” has been lambasted by critics. If your kids really want to see it, it might be best to bribe the baby-sitter with pay day loans so you don’t have to sit through it yourself.

A holiday puzzle

It has been proved time and time again that some cartoons just weren’t meant for the big screen. This brings us to a quandary: It’s the only kids movie being released on Christmas. Taking the kids to the movies is a yearly tradition for many families who, faced with a weekday when no one has work or school, need to kill time while most businesses are closed.

So, it’s not surprising that filmmakers think they can just throw together a few bad jokes and some colorful cartoon characters and make a killing. It’s also not surprising that it works. The 2007 “Alvin and the Chipmunks” film made $45 million its opening weekend. That film also got horrible reviews, and I think you’d be hard-pressed to find someone who thought it was anything more than kiddie fluff. So, the question is, with companies like Pixar (“Up,” “Monsters Inc.”) repeatedly proving that it is possible to make films that both children and adults enjoy, why are Americans still throwing their money away on tickets to films aimed only at their children?

“Alvin and the Chipmunks: The Squeakquel” reviews

The first feature-length “Alvin and the Chipmunks” film was filled with bathroom humor and “comical” falls, and only 27 percent of critics on Rotten Tomatoes gave it good reviews. “Alvin and the Chipmunks: The Squeakquel” is filled with bathroom humor and falls, and only 22 percent of critics gave it positive reviews.

Granted, I do know a few “adults” who find a lot of humor in falling and bathroom jokes. If that’s the case, have a great time at the movies with your kids. However, I know a lot more adults who find it mind-numbing to sit through a flick filled with nothing but bathroom humor and falling jokes.

Don’t fall for it

If that’s the case, I say adults take a stand this year. Don’t fall into the trap of just going out to see whatever kid-appropriate film is available on Christmas Day. Tomorrow or Thursday, go rent a quality movie you can enjoy with your kids. Another bonus to renting a movie and staying home is that you don’t even have to change out of  your pajamas.

There are so many great movies out there that are appropriate for kids but not so dumbed down that they’re unenjoyable for adults. I personally recommend “Ratatouille” and “Monsters Inc.” Though I loved the Chipmunks well when I was young, I think they should have stuck to Christmas albums and short cartoons instead of making “Alvin and the Chipmunks: The Squeakquel.”

Short-term loans have been known to be the financial tools utilized by many individuals at some point of their life. And pay day loans are a great avenue to pursue in order to fulfill one’s emergency cash needs in one way or the other. Pay day loans like installment  loans are one type that can provide an individual with quick money when he/she is short on cash. These loans are also called short term loans because the repayment of the loan proceeds occur only after a short interval that is within a few weeks of borrowing the money.

Since pay day loans are not hefty loans and the amount borrowed is usually not much, the fees attached to the money lent is very reasonable. In any case, if the borrower does not pay back the loan amount when it is due, the fee will continue to accrue. However, before opting for any type of loan, it is very important to put some time and effort into getting at least a brief overview of the loan type in order to understand the pros and cons that may come with it.

Pros: How can you benefit from such a loan? Is it really convenient?

There are many positive points in support of opting for pay day loans. The foremost being that pay day loans are a quick way of providing money which may serve a useful purpose for individuals who need cash in an emergency situation. Some examples in support of the viewpoint that pay day loans come in handy include your emergency medical bills, your monthly utility bills, car repair expense, etc. This type of loan is a convenient way to get financial support if an individual needs money in an unexpected emergency and is sure that he/she will be able to pay back the loan amount in the near future.

One more positive point to note in favor of pay day loans is that the loan amount borrowed is not huge in nature. This is what makes it more convenient to opt for such a loan as it can be paid back in the near future and there is no fear of having the interest fees accrue over a long period of time due to temporary non payment of the loan amount on the due date.

Cons: Some negative aspects of pay day loans.

Along with so many benefits there are also a couple of cons associated with pay day loans that one should be aware of before choosing such a loan. As compared to other loan types, the fees or interest attached to the amount of money borrowed is high. Let’s say for example you have borrowed $500 as the loan amount then the fee attached to it could be as high as $50 which is quite pricey I would say. Also this fee amount will continue to accrue if the borrower is unable to repay the loan amount right away when it is due.
Also the amount of money that one can obtain by picking this type of loan is not all that high. These loans are meant to be short term small loans for your cash needs and one cannot acquire a large amount of money. A person can acquire $300 or $1,500 as a loan amount and thus this type of loan cannot be the complete solution to the borrower’s entire financial problem. Therefore, if one is in need of more than that amount, a Pay Day loan may not be helpful in this regard.

If you’ve decided the Pros outweigh the Cons, Apply HERE for Pay Day Loans!

Brian Urlacher will not see the field again in 2009. (Photo: commons.wikimedia.org)

The NFL season is now underway. Hope springs eternal and all that jazz for teams with hopes of the postseason, and the Chicago Bears were clearly in that race. I hope you didn’t do something silly, like taking out pay day loans to plunk money down on the Bears going all the way in 2009.

They WERE in the race? Isn’t this only Week 1?

The Green Bay Packers may have triumphed over the Chicago Bears 21-15, in no small part due to four interceptions by new Bears quarterback Jay Cutler. However, the Bears held a lead until the second half of that game. The real problem came from a Brian Urlacher injury. That’s a major blow at any time during the season, but ESPN has reported that it will officially end the season for the All-Pro linebacker.

He dislocated his right wrist

Bears spokesman Jim Christman confirmed the sentence the Chicago Tribune had already handed down to Bears fans: “Brian did have surgery this morning and he is out for the remainder of the season.” Urlacher himself backed this up in a text to the Tribune. A first quarter play where he tackled Bears running back Ryan Grant is what did him in; we was unable to return to the game.

Was he on the cover of Madden NFL or something?

Well, not this season. He’s certainly a big enough star in the National Football League to warrant the exposure. However, Troy Polamalu of the Pittsburgh Steelers and Larry Fitzgerald of the Arizona Cardinals are this season’s cover boys. The “Madden curse” has already hit Polamalu this season, and the countdown has begun for Fitzgerald. Urlacher has done plenty of promotions for other products and services, however. Maybe there’s another curse I’m unaware of that has struck. If I believed in curses, that would actually mean something to me.

A season-ending injury is certainly not the norm for Urlacher. The six-time Pro Bowler had made 49 starts in a row during his 10-year career. Overall, he’s only missed seven games. Those came due to a hamstring injury in 2004. So the Bears are looking for a replacement free agent help to fill the position, if not the on-field leadership role Brian Urlacher will leave behind. ESPN indicates Derrick Brooks could be an option the Bears would be able to sign quickly.

What losing a leader means

“It’s always tough to have your leader go down,” Bears linebacker Lance Briggs said to the Tribune. “He knows the defense better than anybody and he communicates everything to everyone else.”

Having a leader around makes a big difference in the team dynamic. Think of it in terms of relationships. The leader takes the disparate elements and helps meld them together into a functioning whole. That’s why the Brian Urlacher injury is such a blow to the Bears: it’s because he performed that role for them on the field. A real world example would be a relationship where one partner was in charge of the personal finances. If that partner goes down or becomes unavailable for whatever reason, issues in the budget can manifest. Short-term recovery is attainable through the use of pay day loans, but long-term success requires a leader to make the elements of the budget work as a team.

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ABC News building. Image from Flikr.com.

Jon Gosselin’s attempt on “Good Morning America” to show the world that he is “a real person with feelings” appears to have possibly backfired. “ABC News” reporter Chris Cuomo said during Jon Gosselin’s interview that Kate has been painted as a victim in the tabloids while Jon Gosselin has been portrayed as the enemy or even “the evil empire.”

Cuomo held up magazine covers calling Jon a “dirt-bag” and saying Kate “strikes back” as evidence. Jon Gosselin on “Good Morning America” says that Kate was abusive, that he’s trying to move on with life and that he wants everyone to see that he has feelings. Unfortunately, he also said — twice — that he “despises” Kate. Oops. That, of course, is the quote that made all of the headlines today.

Maintaining dirt-bag status

Alarm bells obviously went off in Cuomo’s head when Jon Gosselin on “Good Morning America” said he and Kate have separate film crews because Jon can’t sit on a couch with someone he despises. Cuomo said “you gotta be careful about how you talk about Kate, as the mother of your kids.” But the damage was already done.

Pay day loans have gotten bad publicity in the past because of a few bad comments, and now it’s Jon Gosselin’s turn. Only in Jon Gosselin’s case, it’s his own comments that might earn him bad press. True to her more polished public persona, Kate said there are aspects of their divorce that should remain private and wouldn’t comment any further. If Jon Gosselin’s interview on “Good Morning America” was a cry for attention, it certainly worked. But is this really the type of attention Jon Gosselin was aiming for? Some people, particularly Richard Huff from the Daily News, believe it’s all about the money.

Coincidences or publicity stunts

In his article, Huff points out that both Jon and Kate have fed into and capitalized on the paparazzi and tabloid frenzy that has been following them around for months. He even goes so far as to imply that Jon and Kate timed their divorce announcement on “Jon & Kate Plus 8″ for when it would get the most publicity. Huff writes:

Since their marriage fell apart on TV, which coincidentally and sadly happened at a time when the rest of the celebrity world was in hibernation, the couple have generated more online clicks and sold more magazines than anyone.

That’s a pretty harsh accusation, but one that is tough to argue with. I have been following the Jon and Kate saga since rumors began flying that the two were having affairs, and the big breaks in their story do seem to be so perfectly timed that it’s hard not to think they might be publicity stunts.

More suspicious activity

A strange part of the Jon Gosselin on “Good Morning America” interview was the part near the end where he says Kate took his wedding ring. It’s clear from the interview that he doesn’t know for sure that she took it, he is assuming she took it.

Airing your assumptions on “Good Morning America,” one of the most-watched shows in the country? Not a great idea. Especially not if you want people to see you as a good guy.

Watch Jon Gosselin on ‘Good Morning America’ video

Watch the Jon Gosselin on “Good Morning America” segment:

Be an adult and make up your mind, Brett. (Photo: flickr.com)

When it comes to making plans for what to do with the rest of your life, a little bit of flexibility is important. Sure, you don’t want to lock yourself into something if your situation changes. For instance, if your budget is rigid each month, how are you going to handle the financial shocks that life will inevitably throw your way like a rocket pass from a rifle-armed NFL quarterback? It pays to have a supple-handed budget that leaves room for the unexpected. Unsecured loans and pay day loans can make you look like an All-Pro wide receiver… at least for a little while. You have to fix the big problems eventually.

And Brett Favre? He’s a big problem

Here he comes again, like the little boy who cried wolf. Brett Favre to the Vikings speculation is heating up the sports airwaves once more… if you consider lukewarm disbelief any kind of heat. According to Michael David Smith on NFL Fanhouse, two reporters close to the confused old quarterback say that Favre to the Vikings may be a “distinct possibility” for 2009.

But can he help them win?

Perhaps he can. If that doesn’t speak to the state of quarterbacking in the NFL these days, nothing does. Considering the interest in Michael Vick, there’s an even bigger problem with backup quarterbacks in the league, but that’s another story.

Wishy-washy types like Minnesota Vikings head coach Brad Childress claim that would “still like to have Favre” at starting quarterback, which doesn’t help this non-committal quagmire at all. Sure, Viking quarterback hopefuls like Tavaris Jackson and Sage Rosenfels may struggle, facilitating the transition back to an old guard like Favre. But at some point, doesn’t youth need to be thrown into the fire and learn to sink or swim? I believe that’s the best way to acclimate yourself to a challenge like playing quarterback in the National Football League, but most fan bases don’t have the patience to last through the growing pains. Most fans think it’s OK to sign Michael Vick, too, so I have no respect for their cognitive abilities or grasp of morality.

Desperation city

Peter King of Sports Illustrated puts it this way: “I think the Minnesota Vikings, should they struggle at quarterback, will call Brett Favre. It’s a pretty strong feeling, based on knowing the people involved and based on the desperation of the Vikings to do more than win a division this year.”
Jay Glazer of Fox Sports takes the thinking one step farther. He believes that the decision has already been made – that Favre to Vikings is already a done deal and that he’ll take the reins after August training camp. In Glazer’s words, “When I say nearly everyone I talked to on the team is convinced he’s coming, that is not an exaggeration. People from all walks of life within the organization talk about it as if it’s no secret, almost an afterthought.”

An afterthought… that’s Favre, baby

Fine. I’ll admit he’s had a great career and is headed for the National Football League Hall of Fame in Canton, Ohio some day. But his on again, off again retirement talk, as well as his obvious need to be connected to the game regardless of how the uncertainty affects the team he may or may not play for is disruptive. Brett Favre needs to make up his mind if he doesn’t want to be viewed as a laughing stock by football fans.

Favre has remained silent on the matter

This is because he loves the attention. He wants people fawning over him and he wants to feel wanted because he’s a big baby who has never entered the adult world. He is another coddled athlete who feels no compulsion to operate by the rules under which rest of the world is required to play.

Yes, both King and Glazer could be way off base here with the Favre to the Vikings story. But both have known Brett Favre for years and have broken news on the quarterback in the past. But if Brett doesn’t stop playing with the public, they will eventually turn their back on him. Even Green Bay fans who remember the glory days will pull the cheese out of their ears and hear the tune he’s been playing on their emotions for years.

What do you think?

Will Brett Favre return to football? Would you be willing to put down unsecured loans or pay day loans over the outcome? On second thought, please don’t do that. When it comes to that product here at Personal Money Store, we’d hope you’d take it much more seriously than something that can be gambled with. There’s no gamble when it comes to protecting your finances during a short-term emergency. Don’t be a Favre and play around. Make up your mind and apply for a loan here if you need one.

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(Image: power-showcase.com)

So, what do you know about payday loans or installment loans? Chances are you’ve heard about them in some way, shape or form, as television, radio and online advertising sings their praises. Not only has advertising been a big part of the public’s awareness of the short term consumer loan products, however; the news media has taken it upon itself to be a mouthpiece for supposed “consumer” activist groups like the Center For Responsible Lending, who decry payday loans and installment loans while looking to profit off the backs of the same customers with their own comparable loan products (offered through affiliated financial institutions like Self-Help Credit Union).

Beneficial as a whole

If you buy into the anti-payday loan hype, you believe that there are scores of “average consumers” being trapped in vicious cycles of debt because of being unable to pay back their loans on time. Ultimately, this makes their previous financial situation so much worse, and the media seizes upon such opportunities to tell supposed horror stories. Yet those who actually do default are in the minority. The truth is that the industry as a whole presents consumers with viable choice. Handled responsibly, payday loans and installment loans can be useful tools. They are much more of a gift than a curse and Personal Money Store would like to prove it to you.

Here’s the pitch

Personal Money Store is here for you when you’re yearning for a brighter financial future, with the installment loans, payday loans, unsecured loans, pay day loans and more that you need to get back on track during a temporary financial dust up. We take your application to a network of lenders, saving you the legwork of having to check out the rates and policies of different lenders. If we find a match, we refer you to the lender who can help you best. Chances are there’s someone willing to help you. However, you won’t know unless you apply.

Swung on and belted… deep…

Installment loans, payday loans, unsecured loans and pay day loans are great options when you need money in the short run to make up for a budget hiccup, but you may have additional concerns. For instance, perhaps you may be concerned about whether your good name will be protected during the application and (if approved) repayment process. You don’t want to lock yourself out of a future financing opportunity.

It’s out of the park!

You can rest easy. By choosing Personal Money Store, or any lenders who accepts your application through our Web site, you’re taking a safe step toward knocking financial hardship out of the ballpark.

How can we say this?

It’s because all of our customers’ sensitive pieces of information are handled in the same fashion as the most secure online merchants, in the interest of preventing their shoppers from being put in harm’s way. To put it another way, you really won’t regret coming to us when cheap payday loans, no fax payday loans or fast payday loans could be just the thing you need to bring your pocket book back to its happy place.

Now, keep in mind that while Personal Money Store does not make any guarantees that applying through us will result in you obtaining installment loans, payday loans, unsecured loans or pay day loans, we are able to help a lot of people. Are you next? Apply and find out!

Start You Online Installment Loan Application Now!

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She just got a bid on a pair of Reggie's man panties (Photo: sonsofsimmons.com)

Ray J is gone, but the sex tape remains. Reggie Bush came across as slightly more savory, if you ignore the obvious monetary improprieties that went on when he was a star back at USC. But now, the horrible news has come down: the Kim Kardashian and Reggie Bush break up is a reality. The curvy Armenian and the cut football star have called it quits, not long after it was rumored that they were going to get married.

Hollie McKay reports for Fox News that there’s another side to this beyond the tears and the Twitters: “Will Kim Kardashian Still Auction Off Reggie Bush’s Clothes?” That’s what McKay and the rest of the civilized world want to know.

Selling clothes? Does he need pay day loans?

Or perhaps secured loans? Perhaps not. But I’ll get to the clothing sale in a moment.

This amicable split did not come as a surprise to those close to both parties. A Fox News insider claims “It’s been rocky for a little while now. They both have contracts on separate sides of the country and it was too much. They used to see each other every couple of weeks, but Kim’s brand is much bigger than it was last season.”

Yes, a growing brand can be a problem:

Pumped up about having a family

“Having six kids would be amazing; it’s exactly what I want. It’s what I grew up with, so I can’t imagine anything less,” Kardashian recently told Pop Tarts. “It is something Reggie and I have talked about. When you’re that close to someone, it’s always going to come up.”

Now, the clothing thing

If one person has to do all the heavy lifting in a relationship, you know there's going to be trouble. (Photo: mikastefano.wordpress.com)

Apparently, Kim Kardashian and Reggie Bush (pre-break up) worked together in a business venture where they auctioned clothing for charity. In the case of Kim, there was an entire line of clothing. From Reggie, there were football jerseys, shoes and custom suits and shirts. But now Reggie’s name no longer appears on Kim’s eBay auction site.

It isn’t clear if that means that Bush will no longer do business with Kardashian, but it seems that way. But Kim will continue to sell her items for her charity that benefits terminally ill adults. She formed the organization to honor the memory of her father Robert Kardashian, a lawyer who was famously a part of the O.J. Simpson defense team. Robert Kardashian died due to complications of esophageal cancer in 2003.

In other Kardashian beau news

Pop Tarts spotted Kourtney Kardashian’s once ex but now on again fiance Scott Disick at the Silver Spoon Malibu Beach House. This is apparently a place where pseudo-stars like Lindsay Lohan go to have their pictures taken and be able to spill their hot mess all over everyone in a safe environment. Disick, who aspires to Kato Kaelin star cred, had some things to say about how he’s going to be on his best behavior from now on. That’s right, Scott. Otherwise, you’re just a piece of driftwood. Without a Kardashian riding you, you’re nothing but a twig the seagulls do their business on.

When you say things like “I could puke on myself and still be good-looking,” you do yourself no favors. Keep the puke where it belongs and focus on being a model boy toy. And stay out of Kim’s way as she wrestles with the same decision Diana Ross had to make in the movie “Mahogany” – a fashion career, or Billy Dee Williams? In Kim Kardashian’s case, I think she should become a spokeswoman for pay day loans and secured loans. You’d see her commercial, then you’d apply here.

How exciting!

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Morgan Haley, aka Bikini Bandit (Photo: commercialappeal.com)

It takes enterprise to make it in the world today. With such a tight economy, whatever you can bring to the table that sets you apart from the competition is necessary. People are more hesitant than ever to fork over their money freely, and as it is there are many who are looking to services like pay day loans and secured loans for assistance in making ends meet when calamity strikes.

Apparently, even people who have decided that obtaining material wealth via illegal means (which I definitely do not endorse) is a good course of action have taken to trying to stand apart from the maddening crowd. Morgan Haley attempted a carjacking with a natural weapon she must have figured would disarm drivers and help her keep her cool during the summer heat of Memphis, Tennessee. Her weapon was… a bikini.

But the driver was… a woman

It didn’t matter, however. Yolanda Jones reports for Commercialappeal.com that Morgan Haley, 24, has been arrested and taken to jail. Her bond was set at $6,000. Her crime consisted of forcing a female driver from her car, then she used that car to drive to an RV dealership, where she attempted a robbery of the business. The charges include carjacking charges and “two counts of assault by physical fear,” according to Jones.

What, no gun or knife?

As it turns out, the owner of the vehicle did not see a weapon. “The suspect, wearing only a bikini, approached and threatened her to get out of her car,” said Southaven Police Chief Tom Long. “Fearing for her children, she got out of the car with her kids, and then the suspect left the scene in the car.” I’d say the car itself could have been used as a self-defense weapon, but perhaps I’ve got a bit too much Mad Max in me.

As stated, Morgan Haley promptly drove a few blocks to the Southhaven RV Center. “Once inside the RV center, she approached employees with something under a towel resembling a weapon and told them it was a robbery,” said Long Apparently she hadn’t made the “weapon” visible during the actual carjacking.

What’s that under the towel?

Haley wasted no time in attempting to take control of the situation, however. I say attempt because she was eventually restrained by employees. You see, Morgan Haley had ordered everyone onto the floor with her supposed weapon (it was unclear at the time exactly what it was that Haley had under that towel, although it isn’t surprising that most responded as if she had a gun. Honestly, is that a chance that’s wise to take, particularly if you aren’t trained in subduing suspects and you have a family at home that depends on you?

Yet one person decided to call Morgan Haley’s bluff. This prompted her to assault the male employee. In the ensuing scuffle, however, Haley was restrained long enough for police to arrive. No weapon was found, yet the authorities have said that Morgan Haley “may face additional charges as the investigation continues.”

Desperate times don’t always require desperate measures

For instance, if you simply need short term cash and want to keep it legal and safe, pay day loans and secured loans are a good way to go. You can even apply here!

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Scott and Anabela Janke (Photo: apakistannews.com)

Jobs are scarce these days as the economy remains challenged by restricted credit markets and consumers who either can’t spend more or are afraid to do so. People look to pay day loans and secured loans to get by in the short run, but they need to retain their jobs in order to do that. Let’s not wish joblessness on anybody these days who doesn’t deserve it, OK? Try to get along out there, people.

But what about Fort Myers Beach Town Manager Scott Janke? The Florida resident has lost his job, and it had nothing to do with cutbacks of his performance. It’s because his wife Anabela Mota Janke is a porn star!

Excuse me?

The couple recently appeared on the CBS television program “The Early Show” so that the public at large could be made aware of this travesty. Scott Janke married Anabela Mota (stage name Jazella Moore) in October of 2008, and things have apparently been going well for them ever since. However, that was until the mayor of Fort Myers Beach and the town council found out what Anabela Janke does for a living. They unanimously decided to vote Scott Janke out of office. He was given six months of pay as severance.

Nope. Nope. Way too distracting.

According to Fort Myers Beach Mayor Larry Kiker, “Our issue is the situation town was put in in terms of how effective we can govern and whether or not it this was going to serve as a distraction for that, and we felt like it would.” Clearly, that’s ridiculous. Scott Janke was a valued member of the town council. Fort Myers Beach isn’t even a sleepy town like some would try to make it out to be, blogs Kyle Munzenrieder for the Miami New Times, so where’s the real problem. It’s not like the money shot would suddenly be taught in area schools. People are way too uptight.

OK, so southwest Florida may be clenching. Lee County, in which Fort Myers Beach is located, once ticketed a man for wearing a Speedo on the beach. But according to Munzenrieder, Fort Myers Beach sports “a strip club, a Hooters, nightclubs, tattoo parlors and head shops.” There’s room for Anabela Janke in town.

Scott Janke was even cooperative

He truly didn’t want there to be any difficulty:

When this story began to break, I was actually called by a local reporter, who also called the mayor about a day before he was going to actually print these articles. And the mayor and I chatted on the phone. Because of my ethics, I said, “I’m willing to resign with compensation if the town council thinks it will help the community not be so distracted.”

"Please don't let my Fort Myers Beach town council member husband be tempted by Anabela's boobies! Please, fire her husband!" (Photo: weblog.timoregan.com)

But that doesn’t mean that Scott and Anabela Janke weren’t treated unfairly. If I were to wager a guess as to what’s going on here, I’d say that the stench of religio-sexual repression is ripe within the town council of Fort Myers Beach, Florida.

People are stepping up with support

According to “The Early Show,” Scott and Anabela Janke have received “hundreds of E-mails from people saying the town shouldn’t have fired him.” You think? If the man was doing his job and nobody was in any danger, why was he fired? Was it just too difficult for the other male council members to do their jobs without drooling? Did they fear the wrath of an imaginary being? Were their wives ramping up the “sleep on the couch the rest of your life” pressure? I don’t know, but I do know that this stinks.

Munzenrieder nails this to the wall, as far as I’m concerned:

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The reporter, the woman and the Holy Hot Viral (Photo: Wheelsports.wordpress.com)

This concludes today’s article trinity on the Church of the Erin Andrews video peep pictures (aka viral topics I exploit for this blog). But I doubt you’ll find a take like mine on the matter, so you’ve come to the right place! CLICK HERE if you missed the second part; if you missed the BEGINNING, go there!

***

Recently, the old 1984 Pepsi commercial where Michael’s head went up in a blaze of Jerri Curl came back into the news. Michael’s death had everything to do with that, as people close to the situation were looking to lay blame and found the media circus to be a perfect soapbox. Plus they want money. Why don’t they use pay day loans and secured loans instead, I ask you!

But here’s where Belew takes it. He references the Pepsi incident as the time when pain killers became a regular part of Michael’s life and led him down a path of self-destruction. Perhaps it did. But here’s the point of comparison Belew makes: he compares Michael with Jeremiah:

Jeremiah the prophet speaks of having fire in his bones. Jeremiah 20:9 – “But if I say, “I will not mention him or speak any more in his name,” his word is in my heart like a fire, a fire shut up in my bones. I am weary of holding it in; indeed, I cannot.”

Michael, writes Belew, was burning to share his unique artistry with the people of the world. Jeremiah wanted to share a gift as well… “the gift of life,” Belew writes, punctuating the thought with “big difference.”

Wrong again, Bill

There is a difference, but not in the way you’re thinking. Art (from high art to the consumable) is vital to human existence. Without it, we stagnate. The creativity that is the hallmark of the human condition goes out like a light and we find little inspiration to live. Erin Andrews herself is a marvelous expression of the human genome. In a sense, that is art, founded upon millions of years of combinations to find the ones that are the most surviving. Hers just happens to be a good one.

Now, the Erin Andrews video peep pictures are just a pale representation of that. Yes, some might say it’s the closest they’ll ever get, which would be true. However, the film itself is not the art that makes life worth living. Life is the art that makes life worth living. Jeremiah’s gift pales by comparison, in that it is founded upon the will of a being who is possessive, jealous, violent and childish. By act two, the Greeks write the script and it comes across as more presentable, but not if you’re a gentile.

All I am saying is give Erin Andrews a chance, Bill

And by that, I mean watch ESPN game broadcasts. Don’t ogle Erin Andrews video peep pictures. Appreciate her for what she brings to the world. That includes well-delivered sideline commentary. Oh, and next time, bring a different book to the party. Don’t be a Buzz Killington, unless you have Erin Andrews etchings…

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Talk about the Ben Roethlisberger sexual assault story? OK, if you twist my arm... (Photo: wikimedia)

It’s another ugly story from the world of sports involving sexual assault, and possibly mental illness. Why coverage has been this late to develop is because there is racial bias in media coverage. Ben Roethlisberger is white. If he were black, he’d have been crucified almost immediately. That’s the truth, no matter how much the media denies it. Plus there’s a bias against average Janes vs. superstar male athletes. It’s automatically assumed that the Ben Roethlisberger accuser (Andrea McNulty; see Andrea McNulty photos here) is mentally ill or a gold digger (at least Big Ben’s people are trying to prove the former).

Where’s the truth? We’ll never know for sure

If McNulty has a legitimate case, she deserves justice. However, she isn’t filing a criminal case. She’s filing a civil case against the Pittsburgh Steelers quarterback. Why is that?

According to Yahoo! Sports by way of the Associated Press, McNulty feared her employer at the time (Harrah’s) would take Ben’s side and fire her. Then she wouldn’t be eligible to receive Pay day loans or secured loans. The incident between herself and Roethlisberger is said to have occurred at the Harrah’s in Lake Tahoe, Nevada. Various reports (including TMZ) indicate that Roethlisberger has acknowledged having “consensual” sex with McNulty.

And where are all the stories?

Particularly out of the Steelers camp and on ESPN.com. What? There’s little or no coverage? I wonder how the Steelers’ golden boy with the big arm could avoid suspicion? I wonder why ESPN is chasing this like they did the Michael Vick dog-fighting story? It’s as clear as black and white, I believe. Try to color in some gray where you please, but I’ll call a spade a spade.

This will take months to sort out

Scott Sonner’s Associated Press report indicates that Andrea McNulty has filed a civil suit against Ben Roethlisberger for “raping her last summer in his penthouse hotel room at a casino in Lake Tahoe during a celebrity golf tournament.” Roethlisberger’s attorney denied McNulty’s allegations, but as I’ve said, there are reports that Big Ben has acknowledged a past relationship between the two that may have included consensual sex.

“Ben has never sexually assaulted anyone. The timing of the lawsuit and the absence of a criminal complaint and a criminal investigation are the most compelling evidence of the absence of any criminal conduct,” said his attorney, David Cornwell. “If an investigation is commenced, Ben will cooperate fully and Ben will be fully exonerated.”

Exonerated of what, exactly?

Exactly? I don’t know. But here’s what has been reported.

Roethlisberger was at Harrah’s in 2008 for a golf tournament. Allegedly, he lured McNulty to his room with a request for her to fix a problem with the television in his room. After determining that the television was working properly, she attempted to leave the room but he blocked her exit. Restraint and uninvited kisses followed according to McNulty, who feared he’d harm her if she fought back. Then the situation escalated to fondling and either rape or consensual sex, depending upon who you ask. McNulty’s hospitalization, according to the suit, was a direct result of the attack.

How much is this kind of pain and suffering truly worth?

Yes, it’s a crass question. There is no dollar amount that’s worth experiencing a sexual assault – if that is indeed what happened here.

In the civil suit, McNulty accuses Harrah’s of trying to cover up the incident. Allegedly, Harrah’s security chief Guy Hyder entered McNulty’s home after obtaining a key from Andrea’s parents while Andrea was hospitalized for either depression or schizophrenia (also alleged). Whether or not this came as the result of a sexual assault is unclear. Andrea McNulty accuses Hyder of erasing information (evidence?) from her computer. Supposedly, Hyder also told her that “most girls would feel lucky to get to have sex with someone like Ben Roethlisberger.”

In total, Ben Roethlisberger’s accuser is seeking at least $440,000 in damages from the quarterback and $50,000 from Harrah’s, as well as unspecified punitive damages “sufficient to deter” Roethlisberger and the others “from engaging in such conduct in the future,” writes Sonner. I wonder how Ben Roethlisberger’s girlfriend is going to take this (Missy Peregrym, who starred in gymnastics film comedy “Stick It”)?

If you’re Ben Roethlisberger and you find you need pay day loans or secured loans (stranger things have happened), you can apply right here. Even if you aren’t Ben, you can apply if you need quick cash in a jiffy!

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(Photo: kiiitv.com)

(CLICK HERE if you missed the beginning of this article)

Michelle Garcia reports (See: http://www.advocate.com/news_detail_ektid99652.asp) for Advocate.com that Sen. Sessions has attempted to attach three amendments to the Matthew Shepard Act that effectively “limit the extension of the federal hate-crimes law” that the Senate has passed. He even took it upon himself to speak on why current hate crime laws shouldn’t include safeguards for gender identity and sexual orientation. Sessions is the ranking Republican on the Judiciary Committee. The Matthew Shepard Act has passed Congress, but Sessions’ amendments are attached so that President Obama will see them when he decides whether or not to give the bill his signature.

According to Joe Openshaw, an Examiner.com Birmingham Gay Community reporter, “these amendments are unnecessary and are designed to diminish support for the bill.”

What are Sessions’ arguments?

His first amendment opens the floodgates for the death penalty to be applied as punishment for hate crimes in some instances. This hot button could be a huge problem that prevents the Matthew Shepard Act bill’s approval in its current form. Openshaw recognizes the irony of the fact that “the very Senators who have falsely argued that this bill would put clergy in jail because of their beliefs think that those same clergy should be subject to the death penalty.” It comes across as an intentional deal-breaker, thanks to a group of Republican senators which Sessions represents.

Next, make unnecessary changes

Sen. Sessions also wants the Justice Department to change their own procedural guidelines for handling hate crimes. In this case, it may be a case of don’t fix what isn’t broken. Openshaw believes that the guidelines already in place are “well-established, clear and precise” when it comes to how to deal with violent hate crimes.

Finally, be vague and hope for loopholes

Session’s final amendment appears to be designed to muddy the waters by tugging at the heart strings of the country by invoking the possibility of crimes against military members and their families. In particular, Sessions wants there to be added penalties on top of already augmented penalties in place. This comes across as grandstanding, but what Openshaw considers “vague wording” could be a red flag when the president reviews the proposed legislation. What does it mean when Sessions asks for “additional penalties for injuring the property of a serviceman or immediate family member?” How is “family member” being defined, and what exactly does “injury to their property” mean? Sessions is a political veteran, so he likely knows that loopholes this kind of language could create.

What do you really think about the Matthew Shepard Act, Mr. Sessions?

“We need to be careful that statutes that become permanent parts of our criminal code are supported by evidence and principle,” Sessions said. “I don’t think that our focus here is to deal with symbolic legislation that’s broad and could expand federal criminal jurisdiction beyond its historic role and where the facts do not support the need.”

Seems to me the principles are as clear as day. As for evidence, it also exists. There’s nothing symbolic about protecting Americans against hate crimes. There is a need to end senseless hate. The only broad thing here is the sense of your arguments in the matter. Specifically, they couldn’t hit the broad side of a barn. If you need lessons in being a decent senator, there are unsecured loans and pay day loans that can fund your trip back to school for sensitivity training.

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Sen. Jeff Sessions, the shame of Alabama (Photo: Thatsmycongress.com)

Lots of things divide us in society. Many of them are manufactured or artificial. Money is one of these. While it is definitely true that some people have more money than others, it doesn’t mean that people in upper income brackets have a greater “human currency” than those who depend upon government assistance or those who may look to unsecured loans or pay day loans for help when the budget can stretch no more. People are people; their actions define them, not the contents of their bank accounts.

We don’t have room for all of the ill will

In order for people to get along, barriers need to be minimized, rather than encouraged. Hate crimes are a special kind of barrier that a healthy society simply has no room for. There are many different kinds of hate crimes, most of which are dealt with harshly by America’s laws. However, when it comes to the Matthew Shepard Act, it appears there are still some lawmakers in this country who want to divide and tread upon the backs of the defeated.

That would be you, Senator Jeff Sessions of Alabama

To fully understand what Sessions has done, let’s first take a look at what the Matthew Shepard Act (aka the Local Law Enforcement Hate Crimes Prevention Act, or LLEHCPA) does. According to Wikipedia,

This bill is named in honor of Matthew Shepard, a gay man who was brutally murdered ten years ago in Laramie, Wyoming, in a case that shocked the nation. Matthew Shepard was murdered by two men, Russell Henderson and Aaron McKinney, who set out on the night of October 6, 1998, to rob a gay man. After going to a gay bar and pretending to befriend him, the killers offered their young victim a ride home, but instead drove him away from the bar, repeatedly pistol-whipped him in his head and face, and then tied him to a fence and left him to die. The passerby who found Shepard the next morning, tied to the fence and struggling to survive, initially thought that Matthew was a scarecrow. He was rushed to the hospital, where he died on October 12 from massive head injuries. At the defendants’ murder trial, Henderson and McKinney initially tried to use a “gay panic” defense, claiming that they killed Shepard in an insane rage after he approached them sexually. At another point, they claimed that they intended only to rob Shepard, but not to kill him. Both men were sentenced to serve two consecutive life terms in prison.

Sexual orientation-based crime is a real problem

What Matthew Shepard suffered has been suffered by many Americans, some to a lesser extent and others to the same point of death. That’s why – at least initially – Congress was behind legislation that would protect people from such heinous treatment. The following is direct from the Congressional testimony:

Currently the main Federal hate crimes law, 18 U.S.C. § 245, does not cover hate crimes committed because of the victim’s sexual orientation, gender, gender identity, or disability. Yet we know that violent acts are committed based on these biases every day. For example, according to 2007 statistics published by the Federal Bureau of Investigation’s Uniform Crime Reporting Program, 16.6 percent of hate crimes were motivated by sexual-orientation bias (exceeded only by racial bias, 50.8 percent, and religious bias, 18.4 percent). S. 909 would allow the Federal government to help protect all Americans from such violence.

CLICK HERE to continue reading and see how Senator Sessions has shamed Alabama and freedom-loving people.

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All too often in recent years, much of what passes for great music in the hip hop arena is the Johnny-come-lately kind of stuff. It goes in one ear, you dance, then the noise goes out the other. Song will get tons of radio play for a short while, then disappear into the annals of time. They lose their mansions, their gold chains and their gold teeth. Then they turn to pay day loans and secured loans when they need a shot of budget help.

The exact opposite of this hip hop career arc has been the trail blazed by the Beastie Boys. They’ve been together for about 30 years, and they’re still going strong. Ever since their hip hop debut album in 1986 (they used to be a punk outfit), they’ve been at the forefront in musical skill, taste, and panache. They put on a good show, whether it’s live, on album or in their music videos, which typically offer special retro treats for fans.

But the machine has come to a halt

Adam "MCA" Yauch -Buddhist vegan who fights for his right to party (Photo: BrooklynVegan.com)

At least for a while. Adam “MCA” Yauch has a parotid gland tumor, reports BrooklynVegan.com. The result of this is that an upcoming album release (“Hot Sauce Committee Part 1″) has been postponed, as have all of their scheduled tour dates. Yes, there will be sleep ’til Brooklyn – for now.

Caught at an early stage

The tumorous mass is cancerous and is localized in one area of his parotid gland. Even though that gland is near to the vocal cords, it was caught early enough to be operable and is not expected to hamper his vocal cords to a significant degree. Following surgery, several weeks of additional treatment will be necessary. In response to their friend in need, the Beastie Boys have canceled all of their upcoming appearances.

More or less, what Yauch has said is as follows:

I just need to take a little time to get this in check, and then we’ll release the record and play some shows. It’s a pain in the neck (sorry had to say it) because I was really looking forward to playing these shows, but the doctors have made it clear that this is not the kind of thing that can be put aside to deal with later.

Do you know MCA?

The Beastie Boys, 1980s (Photo: Stephinthecity.com)

Born in Brooklyn, New York in 1964, Adam “MCA” Yauch is an only child of Jewish descent. His first instrument is the bass, and he played his first professional show with his friends as the Beastie Boys: Michael “Mike D” Diamond, Adam “Ad-Rock” Horovitz and DJ Michael “Mix Master Mike” Schwartz (who joined later).

Stemming from his religious beliefs, Yauch is a social activist who actively supports the Free Tibet movement. Royalties from the Beastie Boys track “Bodhisattva Vow” went toward the cause, and Yauch was one of the organizers of the first Tibetan Freedom Concert, which kicked off in San Francisco, California.

In his spare time, Yauch enjoys snowboarding and skating. To give you an idea of his pop culture status and love of skating, Yauch appeared in the video game “Tony Hawk’s Proving Ground” as an unlockable character.

There’ll be no sabotage in the Boys future

All are hopefully that things will go well and they wish Yauch a safe, speedy recovery. Considering that the band appears to have invested their money wisely over time, it doesn’t appear that pay day loans or secured loans will be necessary for MCA to get his doc some green.

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Photo: http://www.flickr.com/photos/stevenwilke/ / CC BY-ND 2.0

I’m all for members of a society being able to make fun of themselves. The human condition is filled with such anguish and strife that a bit of self-deprecating humor can do wonders at the right time. Making fun of others is also necessary in a civilized society, so long as the killer instinct isn’t allowed to dine on too much fresh blood.

But whoever said that it was OK for young athletes who sell their social conscience for fat salaries to pass off racist jokes that a Caucasian would have been strung up for uttering clearly doesn’t know their humor from a Pat Buchanan diatribe.

And the Dallas Cowboys want Martellus Bennett to understand the difference. Or he can take a job flipping burgers. He’d need pay day loans for quick cash, considering the amount of Kleenex that would be necessary to mop up his crocodile tears.

That’s eye black, not blackface…

Sean Leahy blogs for USAToday.com that Cowboys tight end Martellus Bennett is incredulous. He says he was “just having fun” when he and his brother Michael posted a “Black Olympics” video on their YouTube channel (there’s even a Martellus Bennett rap video). He also doesn’t think his team should discipline him. See the video in question below.

Martellus is being roasted in print media for this. In the video, he and his brother Michael compete in such Sambo-esque feats of athletic prowess as friend chicken consumption, watermelon eating and Kool-Aid chugging. There might be a Martin Lawrence or Dave Chapelle joke waiting in there, but I’ll take a pass.

I’m innocent, Mr. Irvin

“The Michael Irvin Show” extended a platform to Marcellus, because that’s what former players who were pillars of the community do for current players who think social mores should revolve around their impulses.

“I don’t really think it’s offensive,” Bennett told Irvin. “It depends on your sense of humor and how you look at things. We were just having fun and it was very funny for me and my brothers, when I look at it I just can’t stop laughing. If someone takes offense, I apologize. That wasn’t my intention. It was just us having fun.”

Bennett told Irvin he would not have a problem with a white person acting out something like the “Black Olympics.” Is that considered a white lie, Martellus? Or is it something worse?

Yes, but…

EPIC FAIL

“There’s white comedians that do stuff like that all the time,” he said. “I think it’s funny to attack stereotypes. It’s funny how people just put people in a certain light and say that’s what all the people do of a certain race or particular person, so it’s fun to attack those stereotypes.”

So far, the Cowboys are playing the no comment card. Interestingly, they’d already fined him $22,000 for “insulting blacks and gays” in a YouTube video. And Martellus doesn’t think the team is going to do anything?

“Not really,” he told USA Today.

“The first time I got in trouble because I was cursing and I had the Cowboys helmet on. Now it’s just me doing me. It’s no different if I was being a stand-up comedian at a show.”

Keep it up, Martellus

The world needs more people who don’t give a frosty crank. Makes America appear intelligent and enlightened. Pay day loans for quick cash help repair personal credit, not a damaged rep.

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OK, so you’re probably heard the story about Milwaukee Bucks small forward Richard Jefferson and his fianceé, former New Jersey Nets dancer Kesha Ni’cole Nichols. Supposedly it was the day of their wedding, and Jefferson E-mailed Nichols (at the altar, no less) to inform her that the wedding was off. A more memorable case of runaway husband cannot be found in recent memory. If the setup was as expensive as some people claim ($2 million), I wonder if somebody needed pay day loans or some other form of secured loans…

But you want the TRUTH!

And you may just be sadly disappointed, as only Jefferson has made much in the way of public comment. I envision a “he said, she said” coming down the turnpike, but let’s wait and see. The stories Jefferson has attempted to play down include the “dumping,” a Black AMEX, lots of payoff money and lots of gayness (hey, it’s someone else’s allegation, not mine).

Setting the ignoble scene

Richard and Kesha Ni'Cole (Photo: InsideHoops.com)

The New York Post’s coverage implied that Jefferson left Kesha Ni’Cole at the altar in her dress while he skipped town with friends. Most of the guests were already in attendance at the church. Then another story surfaced that claimed Jefferson had E-mailed her of the change in plans as she was flying to New York for the wedding. However, on “The Dan Patrick Show” and “Howard Stern” radio programs, Jefferson has said that the couple broke up the week before the wedding because of irreconcilable differences. The E-mail he sent her was “merely an attempt to clarify my feelings,” he said.

But what about letting the guests know?

Or was there even a congregation of people, waiting patiently at a church? It isn’t entirely clear. But what is clear is that this is a mess that Richard Jefferson won’t live down anytime soon, innocent or guilty.

There was no wild black AMEX shopping spree with the boys while the bride waited at the altar, says Jefferson. It cost “way less” than $2 million and there “was no six-figure payoff” to make Kesha Ni’Cole Nichols disappear from sight. Jefferson has admitted to giving her “move on with your life” money, however.

Is Richard Jefferson gay?

That’s been thrown around for a while, but no credible information has been uncovered to affirm that statement. According to Deadspin at http://deadspin.com/5316089/not-gay-richard-jefferson-let-his-girl-down-easy?skyline=true&s=x, there was past speculation about there being a “gay New Jersey Net” (Jefferson’s former team), but that doesn’t appear on its own to be any reason to accuse him. Yet that’s exactly what the New York Post is doing… raising the question.

Or maybe he just didn’t want to get married after all

Possibly, although you’d think he could have controlled the situation much better. Angela Boatright-Spencer writes for the Charlotte Episcopal Examiner that “E-mail is convenient, but not the kindest way to communicate bad news to anyone, least of all the person with whom you had planned to spend the rest of your life.” However, the former couple have discussed the matter at some length since the E-mail was sent. Written words may help the writer clarify his thoughts, but they don’t address the perceptions and emotions of the receiver as clearly as face-to-face, voice-to-voice communication.

Perhaps he could have used some help?

Boatright-Spencer suggests a book by John Sanford entitled “Between People” for Jefferson’s communication issues. Sanford sees conversation as “playing a game of catch: You want your partner to receive what you’re sending them, and you want the partner to send something back to you. What you don’t want is to get hit in a way that causes pain.”

Make your feelings known, Richard (Photo: trueball.wordpress.com)

Three basic tips from Sanford are as follows:

• Avoid making sweeping generalizations, such as “you always say….” or statements that just make the other person feel guilty (even if the person has in fact done whatever it is that upsets you.) Sanford suggests talking about how you feel when the person says or does whatever hurts you. “An opening statement that expresses a person’s feeling is more likely to receive a positive and helpful response than an opening statement that engenders guilt.” (p.8) Guilt builds barriers between people.
• “Communication is not a matter of being right, but of starting a flow of energy between two people that can result in mutual understanding. …It is helpful if we say things so they will be able to receive them.” (p.9)
• “It is essential for all persons who want to communicate to listen…” (p.11) Take time to really hear what your partner tells you. Many times, we only half-listen to the other person, devoting the other half to thinking about what we should say next. You will have plenty of time to offer your response. Make sure you understand where your partner is coming from first; repeat back what he or she has said. Remember, this is the person who wants to spend a lifetime with you. Take a deep breath, relax in the love you share, and hear what your beloved is saying to you.

Love hurts… but that hurt doesn’t have to last

Making a commitment to be with someone for the rest of your life is a major undertaking that should not be taken lightly. Even though it appears there were hiccups in the communication process, perhaps Richard Jefferson and Kesha Ni’Cole Nichols have made the responsible decision here. We’ll have to wait and see what develops as more details are released. However, we should all know that multi-million dollar weddings, while within reach of the rich and famous, are also a sign that perhaps ostentation is getting in the way. This economy requires us to be more careful with our money. Perhaps the decisions we make are more conservative. Pay day loans and secured loans can help in a pinch, but the real trick is making your budget work, day in and day out.

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President Obama will throw the first pitch tonight at the 2009 Major League Baseball All-Star Game

Throwing the first pitch at a Major League Baseball game is a dizzying experience for the uninitiated. Countless celebrities of local, regional, national and international vintage have trotted out to the mound for the photo opportunity, and the vast majority of them have managed to embarrass themselves with heaves that travel anywhere from just a few feet to an area code away. No pay day loans or cheap loans can buy a shovel big enough to dig the size hole the chucker needs to hide in that situation.

And nobody wants to repeat the Mark Wahlberg first pitch

That includes President Barack Obama, who is slated to toe the mound this evening in St. Louis for the first pitch of the 2009 Major League Baseball All-Star Game. The president has thrown out first pitches before, as you can see in the photo, but each time is something new. There will be about 50,000 fans in attendance at the game, a virtual sea of media with popping flashbulbs, well-wishers and scores of hangers-on nearby, each of them wondering if the president will join the list of those who have first pitched their way into immortality.

So the president will take time to warm up first

Certainly, the crowd doesn’t expect the person throwing the first pitch to pump a 95 mile per hour fastball into a teacup at the knees. It’s a ceremonial thing, and the thrower is given some leeway. But the president doesn’t want that slack to be enough rope to hang himself with.

“Well, I think it’s fair to say that I want to loosen up my arm a little bit,” Obama said.

Just in case, there is backup

Considering he is the man of the decade when it comes to baseball in St. Louis, it’s no surprise that Albert Pujols will be the man behind the plate to receive the First Pitch. And he has some good advice for Obama.

“He says he wants to warm up before. So I’m just going to tell him, ‘Just lob it up there and don’t try to be a perfect throw,’ ” said Pujols.

Throws of presidents past

According to a story by ESPN.com, presidential first pitches do seem to “carry more weight” than those of non-presidents. Perhaps this is because, as leader of the free world, the President of the United States is for better or worse viewed as being more than human. Considering Obama’s popularity, it’s possible that his supporters believe he can crack a 12-to-6 curve over the outside corner and at the knees with his eyes closed. But realistically, we know Barack Obama is a human being who can fail.

Obama does have a recent legacy to live up to, however. Former President George W. Bush, who used to be the owner of the Texas Rangers Major League franchise, cut the strike zone before Game 3 of the 2001 World Series at Yankee Stadium. This was just weeks after 9/11, and America was looking for real leadership. In the minds of some, Bush provided it with his Texas fastball.

But please, please… no Mark Wahlberg first pitch

If the president needs a relief pitcher, Obama Girl will no doubt oblige.

I feel bad for the man, even though he used to run with the Funky Bunch and started in the M. Night film “The Happening.” The Bostonian made his way to the mound with a water bottle in one hand and the ball in this other. Once the southpaw wound and fired, it was clear that he should stick to acting. As you’ll see in the video below, the ball dipsey-doodled wide right, took a bounce and settled into a distracted hanger-on’s backside. Considering how disillusioned the American people are over the recession and the state of healthcare in this great nation, it would behoove Mr. Obama to find the leather of Pujols’ glove, rather than Erin Andrews’ chin or a working man’s butt. They’re already taking it hard as it is…

Pujols is excited

“Obviously it’s an honor to catch the first pitch from the president, as our leader,” he said. “[Tuesday] I think it’s going to get to me. As a little boy when I was my son’s age, I would never have thought I was going to be on this stage.”

After his pitch, President Obama will join Joe Buck and Tim McCarver in the Fox Sports broadcasting booth, no doubt to talk about the game and chastise Buck for his ill-advised attempt at becoming a talk-show host. Rumors are that the president will be on the air with the crew during the bottom half of the second inning, so set your TiVos for posterity. If you must rectify that situation, consider the budget control pay day loans and cheap loans can give you. They’re not out of the ballpark.

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(Photo Image Source: Wikimedia Commons)

Did you see the Sarah Palin Runner’s World interview? It may give us some idea of what she’s running for, but is the real question that we should be asking “What’s she running from?”

Where’s Sarah Palin headed these days?

That’s a question that has the Republican party stumped. Is she going to run for president in 2012? Are the financial scandals in Alaska too hot for her to handle? Is she leaving politics behind to care for her family? Who knows. Some would argue that even Sarah Palin doesn’t know the answers to these questions.

What are her issues?

Yet legal bills are definitely an issue for the Palin family these days, so how they’re doing financially could be an issue. Do the Palins need unsecured loans or some other form of pay day loans? Do they even need money at all to deal with their current issues?

Whatever the case, Palin’s running

Pam Platt writes in the Louisville Courier-Journal that Sarah Palin was featured in two  “splashy magazine pieces,” one in Vanity Fair and the other in Runner’s World. Both stories predated Palin’s shocking public announcement, and both were damaging.

In Vanity Fair, Palin is portrayed as a “diva-licious, self-serving loose cannon,” says Platt. Sarah Palin in Runner’s World didn’t receive the same amount of attention, but her commentary is telling of her state of mind.

The runner cries

“You don’t complain when something’s hurting because no one wants to hear it. You get bummed and burned out sometimes in running and in politics, but if you’re in for the long haul and you’re in it because you know that it is a good thing, then you get out there and you do it anyway.”

That sounds like a devoted runner who takes care of things, doesn’t it? If that’s so, who is the “victim” Sarah Palin we heard at the press conference? After the David Letterman media gaffe? She cries victimization, which is quite different than the image of a long-distance runner who faces the flames. Did John McCain do his research before he chose her for the ticket?

Love of the outdoors

Palin actually told Runner’s World, “Alaska would be hard to give up because it is such a part of who I am. So much of my life revolves around the great outdoors that that would be kind of tough.”

Is that why you’re quitting, Sarah? Because being a governor or president takes you away from the outdoors for too long? Perhaps Ahmadinejad would agree to meet you at the duck blind? Wouldn’t that just be peachy?

Oh wait, she changes her mind. Is she a flip-flopper?

“On the other hand, I think of being in D.C. and in a position to promote physical fitness and the benefits of making good decisions health-wise and being an example for others, and I know that could do some good for our country.”

OK, so she wants to be health czar?

Palin should know about czars, because they’re from Russia. And she can see Russia from… you know the rest. What I found most disturbing about Palin’s televised press conference is that it was as scatter-shot as her views in these two magazine articles. This woman is the governor of one of our 50 United States? This woman has delusions of presidential grandeur. Being a “maverick” has lost all of its currency thanks to you, Mrs. Palin. Why couldn’t you tell Katie Couric what magazines you read? In all honestly, where is the “Department of Law” located in the White House and who works there? Madlock?

Sweat is her sanity?

It’s healthy to sweat, so I think I’m on to something with the health czar idea. “Sweat is my sanity,” she told Runner’s World. Yet she sounded almost the opposite in her press conference. As Platt puts it, “Palin has a hot mess… As birds quacked in the background, she gulped for air and clutched at several competing metaphors to describe her own fabulousness as she tried again to burnish her rep as a maverick who sticks even as she showed herself to be a lame duck who wouldn’t.”

She could have been a heartbeat away

Remember that. Palin supporters see her as a breath of fresh air, but the more she speaks, the more breathless she appears when it comes to dealing with the intense scrutiny that is part and parcel of being a high-ranking politician. If she knows that she can’t handle that anymore and wants to do what’s best for her family, she should strap on her running shoes and try to be what Arnold Schwarzenegger used to be for the presidency, long ago: a health adviser. Palin should run away from the political spotlight and settle into a lower-stress job. She needs to sweat to remain sane. And try unsecured loans and pay day loans if she needs them.

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Wait, wait, wait. This isn’t THAT kind of article. It’s THIS kind of article…

Whether you’re straight, gay, bi or asexual, it’s your own business. No one else’s. And your sexual orientation has absolutely no bearing on whether you can obtain pay day loans for quick cash.

But since everyone and their sex therapist is feeding upon the flesh of the media image that has been created for Michael Jackson, let’s talk about the significance of being asexual. According to Brooke Shields, she and Michael “instantly became friends” when he was 19 and she was 13. The reason for this, she claims, is that there was no sexual tension to get in the way.

Who’s on first? What’s second base?

The child stars spent a lot of time together, but instead of developing a sexual attraction, the relationship took a different course. Shields said he became “more asexual” as they grew. Yet he was curious about her previous relationships.

“He was like a little kid who talked about the bases – what first base was, what second base was,” Shields said. “It sounded very odd to the outside, I can imagine, but to the inside, to someone who’s never really left his bubble, you can understand how he would be curious.”

Is that as far as it went for him?

Nobody knows for sure, or if they do, they aren’t telling. I believe that is as it should be, considering how personal one’s sexuality is. But putting Michael aside for the moment, here’s an interesting question: What’s so great about sex?

Think about it. Think of the sum total of humanity’s visual arts, stories, poems, songs, dances, from the sublime to the crass. Look at science, evolution, our emotions and everything in-between. Even the Songs of Solomon or similar ancient literature. Sex is integral to who we are.

Science Daily suggests that the answer isn’t as evolutionarily obvious as it would seem. They refer to a recent article from American Naturalist magazine that sex evolved as a defense against parasites.

When ultra-efficiency = danger

The human race is still learning about sexuality. However, from an evolutionary standpoint, it is crystal clear that reproduction is necessary to ensure the survival of a species. Asexual reproduction seems quite efficient, in that it doesn’t require a partner. Furthermore, if an entire species has this ability, the odds of survival would seem great based upon the sheer math.

Why don’t the birds and bees take care of things before leaving home, then? Many scientists believe that asexual organisms are particularly susceptible to parasites. This susceptibility leads to a thinning of the herd, because perfect copies will all have the same vulnerability. If an enterprising young parasite or fatal disease strikes pay dirt and finds this opening, an entire species can be lost.

But what do you get when two crazy kids of any species get together and exchange genes (and jeans, if they’re into that)? You get genetically unique, genetically diverse offspring, often with different vulnerabilities. So parasites can’t Jonestown a carbon copy race formed via asexual budding.

Does diversity work?

When it comes to reproduction, yes, although more studies would be helpful. Scientists Jukka Jokela, Mark Dybdahl and Curtis Lively observed Potamopyrgus antipodarum (freshwater New Zealand lake snails) for 10 years, beginning with 1994. It’s one of those rare species that feature some populations that reproduce sexually and others that are asexual.

What did they find? Clones plentiful in the beginning were more frequently brought down by parasites over time. Some of these types became completely extinct. But the sexual snail populations remained stable. They lived to couple another day.

“The rise and fall of these female-only lineages was surprisingly fast and consistent with the prediction of the parasite hypothesis for sex,” Jokela said. “These results suggest that sexual reproduction provides an evolutionary advantage in parasite rich environments.”

Oh, don’t forget that pay day loans and quick cash can diversify your budget when short-term troubles come to call. Diversity is good that way, too.

We live in a parasite-rich environment, don’t we?

As great an entertainer and kind heart as he may have been, a race of Michael Jacksons would not have survived. The TMZs, Stars and Enquirers of the parasite kingdom would have burned out the gene pool. But I digress. It isn’t a fact that Michael Jackson was asexual. I tend to believe that he was extremely repressed and never grew out of childhood as a defense mechanism against abuse. I could be wrong, but I don’t think so.

I wish Michael Jackson the peace he may have found only rarely in life.

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Robert McNamara, once president of Ford Motors and World Bank and Secretary of Defense under Presidents John F. Kennedy and Lyndon Johnson, has died in his sleep. He was 93 years old.

He did not describe himself as being rich, but McNamara did say that he “didn’t have to do things” he didn’t want to do. Thus, it seems unlikely that he didn’t utilize unsecured loans and pay day loans to aid his personal budget. However, he was once the president of Ford. For most of us, $100 to $1,500 in a pinch can go a long way.

In his obituary, the Washington Post calls upon the harsh analysis of David Halberstam from his book “The Best and the Brightest”:

A prisoner of his own background… unable, as indeed was the country which sponsored him, to adapt his values and his terms to Vietnamese realities. Since any real indices and truly factual estimates of the war would immediately have shown its bankruptcy, the McNamara trips became part of a vast unwitting and elaborate charade, the institutionalizing and legitimizing of a hopeless lie…

(McNamara) did not serve himself or his country well. He was, there is no kinder or gentler word for it, a fool.

The smartest fool in the room

Thomas Lippman writes for the Post that McNamara was a “brilliant student, compulsive worker and skillful planner and organizer.” Despite his business success, concern for the financial well-being of developing nations and stance against nuclear proliferation, McNamara will always be remembered for “McNamara’s War,” complete with the deaths of over 58,000 American lives. The country has still not fully healed from those wounds, and we may just be repeating the same tragedy for future generations. McNamara’s legacy has been carried on in the work of former Sec. Donald Rumsfeld. The mistakes are too large to ignore.

McNamara was a key figure in such major American crises as the Bay of Pigs and the Cuban missile crisis. During the Cold War, he advised the development of the multiple-warhead missile. This helped drive a firm wedge through foreign relations between the United States and Communist nations and created the arms race… and yet McNamara himself said that it was “a gross oversimplification to regard Communism as the central factor in every conflict throughout the underdeveloped word… The United States has no mandate from on high to police the world and no inclination to do so.”

Not even in Vietnam?

Many Americans held McNamara responsible for the military quagmire in Vietnam. Despite revealing in his reports – backed up by meticulous charts and graphs – that “every quantitative measurement we have shows we’re winning this war,” there was a disconnect between numbers and reality. In a sick form of denial, participants in Washington briefings at the time refused to grasp what was happening in the jungles and rice paddies. Once news of the 1968 Tet Offensive hit America’s airwaves, people began to see that what the government was trying to feed them was a lie.  McNamara was no longer in office, but it didn’t matter to the angry masses.

“I used to sleep at the foot of Old Glory
And awake in the dawn’s early light
But much to my surprise
When I opened my eyes
I was a victim of the great compromise.”

- From “The Great Compromise” by John Prine

It was not until his 1996 Vietnam memoir “In Retrospect: The Tragedy and Lessons of Vietnam” that McNamara admitted it was “wrong, terribly wrong” to conduct the war as they did. In particular, the fact that the war went on long after McNamara realized it was futile because he couldn’t change President Johnson’s mind weights heavily in America’s assessment of McNamara.

Advancements in military bureaucracy

Once President Kennedy named then Ford Motors President Robert McNamara the Secretary of Defense, McNamara immediately set to work. According to a Washington Post account in 1961,

He shook all five floors of the Pentagon in his search for the tools he needed to get a firm grip on the biggest military establishment in the world… McNamara brought in computers to help with the spade work, hired systems analysts to comb through the technical points and then list the pros and cons for the generalists, reassessed the war plans, regrouped weapons into programs.

What he did was no doubt revolutionary, and it changed the way the Pentagon operates. But again, what good he did tends to be forgotten. Unfortunately, there’s good reason for that.

See “The Fog of War”

Robert McNamara is survived by his second wife Diana and three children: Craig and Kathleen McNamara and Margaret Pastor. For more information on Robert McNamara and his involvement in the Vietnam War, check out the brilliant film documentary by director Errol Morris entitled “The Fog of War.” It’s not hard to find and isn’t so expensive that unsecured loans or pay day loans are necessary. If you want to understand the politics of American war, it’s a must-see.

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My maternal great grandmother (my mother’s mother’s mother) was a spiritualist minister. I know very little of her history, but I remember that my grandmother once told me that she summoned spirits to ask questions and gather information. Her faith ventured into the realm of what we know as parapsychology. Spiritualists of that nature tend to believe in the Christian God, but in this case the spirits of the dead don’t wait for the call from the bullpen before they come out of their memorial tombs. That’s apparently where the spiritualist ministers came in, as medium guides (or is it shameless hucksters). If a medium “reveals” that your dear Aunt Gladys wants you to apply for pay day loans and put that fast cash on the collection plate, let rational sense prevail and look at your budget. If you need the money to help pay an important bill that’s late, let that be your guide.

The American psychic tradition is closely tied to spiritualist belief. Without the 19^th century showmen (and women) who tripped the spirit lights fantastic, there would be no Edgar Cayce, no Uri Geller and definitely no John Edward, psychic. Sometimes his name is misspelled Edwards, but psychic he is, nevertheless. And now he wants to bring you his special brand of quality psychic chicanery, courtesy of a new Web site called Infinite Quest.

Run by a team of psychic showpeople

Germain Lussier blogs on Twirlit that there are differing schools of thought on this popular psychic. Is he a genius? A fraud? Or something in between? Ask the people who appear in the studio audience of his television program and they’ll say that the connections Edward is able to make – the “psychic” inferences – are surprising. I say he knows how to manipulate the emotions of his audience and knows enough about human psychology to ask the kind of questions that make people think he’s forming a deep connection with them.

Your spiritual mulligan

In addition to the ability to access the help of real, honest-to-goodness circus performers and gerbil whisperers, there are sections on Infinite Quest that explain what the uninitiated need to know about the afterlife, positive and negative energy, the tarot, spiritual health and reincarnation (for your spiritual mulligan). Some of the information is free, but the “money shot” is reserved for paying customers.

Speaking of the money shot, John Edward recently appeared on Sean Hannity’s television spectacle on Fox News. According to Lussier, here’s what Edward had to say about the importance of Infinite Quest:

“I’ve been doing this work for 25 years. And I’ve been involved with astrology, numerology, you know, energy, alternative belief philosophy, reincarnation. And I want to give people the opportunity to say maybe,” he said.

Until the birds begin to nest in my skull and use my brain like a beanbag chair, I’ll say no. Since John Edward must know when I’m going to die, I’m sure he’ll be camped outside my house. If he hassles me before then, I’ll untie his laces with the power of my mind. If he needs new eyelets and aglets for his designer shoes, he can send the ghost of Elvis out for pay day loans and fast cash. That’ll be an infinite quest, all right…

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Photo: miguelajavier.wordpress.com

Sadly, recent weeks have brought what seems like a flood of celebrity deaths to the public eye. Ed McMahon, Farrah Fawcett, Michael Jackson, Billy Mays – and the list goes on. Understand that death comes to the human race every day of the year; it just seems like more is occurring of late because these deaths make the headlines rather than just the obituaries. I don’t think it’s a matter of fairness. No, it is simply the way the public interest works. People die, and those who remain take pay day loans for quick cash to fund the funerals and memorials.

Some people in life are fighters. In the case of Nicaraguan Alexis Argüello, this was literally true. Born in 1952, this Hall of Fame boxer became the sixth man to hold the title belt in three separate weight classes – featherweight, super featherweight and lightweight. He was known at “The Explosive Thin Man.” Now Alexis Argüello, former mayor of Managua, Nicaragua, is dead. He was 57 years old.

Shot to the heart

Filadelfo Aleman reports for the Associated Press at http://www.google.com/hostednews/ap/article/ALeqM5jB3fyKo1sweIvu7NmkBbaUm_PDjwD995N0D80 that the three-time world boxing champion was discovered dead in his Nicaragua home. The news was initially reported by his Sandinista Party’s Radio Ya. Interestingly, Argüello took issue with the Sandinistas during the 1980s after the party had gobbled up his property and bank accounts. Perhaps the best way to beat them is truly to join them. Sure, the opposing party made claims that Argüello’s election stemmed from a fraudulent vote, but it was never proven. Considering that Argüello held the Nicaraguan flag during the opening ceremonies of a recent Olympic Games, he may just have been popular with the Nicaraguan people.

A warrior in and out of the ring

Considered by numerous boxing authorities to be one of the greatest (if not the greatest) lightweight boxer in the 20th century, Alexis Arguello complied a career record of 82 wins against only 8 losses. Of his wins, 65 came as the result of a knockout. After suffering a technical knockout in his first professional fight in 1968, he raced back with wins in 36 of his next 38 fights.

In one of his most notable fights, Argüello defeated Alfredo Escalera in a brutal 13-round slugfest. Many boxing experts consider it to be one of the most brutal fights in history, as Escalera’s eye, mouth and nose were cut, bruised and busted early in the fight. Argüello himself suffered numerous facial cuts. The ring doctor advised Argüello to go to the hospital for treatment, but Argüello was on a tight schedule to get back to Nicaragua, so the doctor performed plastic surgery on Argüello’s face while they were traveling via train. Argüello was awake during the surgery.

“Champion of the poor”

News of Alexis Argüello’s death kept Nicaraguan President Daniel Ortega at home. He had planned to travel to Panama to attend President-elect Ricardo Martinelli’s inaugural ceremony.

“We are upset,” said Rosario Murillo, a presidential spokeswoman. “This is a heartbreaking announcement. He was the champion of the poor, an example of forgiveness and reconciliation.”

Ortega’s office has declined to discuss the details of Alexis Argüello’s death with the media. It is also unclear as to whether money needs to be raised for Argüello’s funeral service. In a capitalist nation, pay day loans would always be available for quick cash…

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Bienvenidos a Miami, Oklahoma, Sr.Ray

If you’ve ever had to move, you know that it can be very expensive. Boxes, tape, packing material, help moving larger items, moving van rates, gasoline – it all adds up very quickly. Then there’s the deposit or down payment on a new place. You wouldn’t be alone if you have ever sought help from pay day loans and personal loans to deal with such an undertaking.

But what happens if you’re forced to move because your entire town is being condemned? That’s exactly what happened to Orval “Hoppy” Ray in Picher, Oklahoma. He was the last resident to leave the town in the wake of many years of lead and zinc mining that have left Picher, OK one of America’s largest, most polluted toxic-waste sites.

Poisoning generations

John Sutter eloquently reports for CNN that Picher, Oklahoma was a center of lead and zinc mining for many years (until 1970) before there were many environmental safety requirements that mines had to follow. As a result, children of Picher suffered lead poisoning as the local creeks coughed up orange water, a cocktail of heavy metals. Plus, homes were built atop mine shafts. Now those abandoned mines are in danger of collapsing. Orval Ray was the last resident to leave.

There were signs of things to come. Back in 2006, the federal government announced it was going to pay people to leave Picher, Oklahoma and the nearby Tar Creek Superfund Site. That would leave room for the government to execute its toxic-waste cleanup program. They told people that their homes could collapse into the stained earth.

Aiding the war effort

Some were happy to take the money and run, but old timers like Ray, 84, wouldn’t leave without a fight. He claimed he’d die first. He’d worked the mines with his dad and brothers, mining lead that was turned into bullets for U.S. soldiers in both world wars. But once the wars were done and the last mine shut in 1970, Picher, Oklahoma began its slow slide into the grave. A recent tornado also played a significant role in making Picher what it is today.

“I thought it was important that people ought to know what Picher’s role was in two world wars,” Hoppy said. “Hell, to me, it was important. … Without the mines here in Ottawa County [Oklahoma], those wars would’ve lasted a lot longer.”

Time to go, dad

Ray’s son insisted that his father move to Miami, Oklahoma. It was only 10 miles south of Picher, but for Hoppy, it was like moving a world away. Unfortunately, there was no other option. The house he’d lived in for nearly 50 years had been slated to be condemned.

Sutter writes that “outside Picher, the mining town’s former residents are branded ‘lead heads’ and ‘chat rats.’ People wonder whether living in the polluted area made them stupid.” Hoppy has heard it all before.

Starting again

“There’s not any point in thinking about it,” he said, “because there ain’t a damn thing you can do about it — just break out, go someplace else and start all over again.”

Goodbye, Picher, Oklahoma. You served your country admirably. Unfortunately, it didn’t do the same for you. Now everyone has moved on, hopefully toward happier, healthier days. Days where you can get pay day loans and personal loans if you need them.

Yet in his dreams, Hoppy envisions the old days when Picher was a vibrant place. Ghettos of ghost towns are all that remain now. For more of Ray’s recollections, read Sutter’s article. It grants a small glimpse into an America that is dying. The bones of small towns are everywhere. If that means something to you, read the article.

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On June 25,2009, the King of Pop died. The outpouring of emotion from Michael Jackson fans everywhere slowed the World Wide Web to a crawl and showed just how much he will be missed. Nobody will miss him more than his own children, Prince,12, Paris, 11, and Blanket, 7. According to Nick Graham of The Huffington Post, the likely caregiver of the children will be Michael’s mother Katherine. However, godfather and osteopath Mark Lester has yet to determine exactly how custody will be handled. By legal agreement, Debbie Rowe (mother of Prince and Paris) is not an option. The mother of Blanket has never been revealed publicly.

At the height of his music career, Michael Jackson was without a doubt the most successful recording star on Earth. Unfortunately, recent years have proven that regular life off the stage and out of the studio has been more than a challenge for him. Medical conditions, personal eccentricities and accusations of child molestation swirled around him, and a large number of people believed that the former Jackson 5 star brought it on himself.

Financial and emotional debt

Whatever the case, Michael Jackson became increasingly reclusive over the years. He became more reclusive as time went by, perhaps as a way of hiding not only from the media, but from his tremendous debt. $500 million is the price tag on Jackson’s debt at the time of his death, while his annual income was $19 million from royalties. All told, Michael Jackson supposedly had been worth $1 billion in total assets. How the debt will be handled and the estate distributed remains to be seen, but one would hope that his children will be taken care of for the rest of their lives. They should never need to rely upon pay day loans or any other form of cash loans, assuming their possible fortune is handled reasonably.

Will the children be thrown to the wolves? RightJuris.com thinks back to the Anna Nicole Smith media debacle at the time of her death. The vultures are circling, preparing to feast upon the bones of swirling rumor and innuendo, just as they were with her. Did daddy die due to abuse of medication?  What will happen to his estate? Like Anna Nicole Smith and others, Michael’s fame insulated him from life’s realities. He was advised by “yes men” who told him what he wanted to hear while friends who genuinely tried to help him were shut out.

They need a stable influence

Michael Jackson’s children deserve to have a shot at normal life, or at least as normal as the children of Michael Jackson can have. Considering that their father has been one of the most sued and otherwise controversial entertainers in history, I wish them luck. Like Elvis, Michael had a mega-successful career that had ended in mega-debt. He auctioned some of his memorabilia from the Neverland Ranch, but the red numbers are still there. That isn’t something his children should have to shoulder. With proper estate management, I hope that the debt will eventually be handled and Prince, Paris and Blanket can spend their days being children, growing and finding their own lives. They deserve it.

The above photo of Jackson with Debbie Rowe is one of the few photographs that depict one of Michael’s children without a mask. It is understandable that Michael wanted to protect their privacy, but look at the picture here. The poor girl looks like Michael Myers. Fantasy and play are important to children, but there must be certain limits. Part of me can’t shake the idea that Michael dressed them up in harlequin masks and the like because their excursions into the real world were fantasy games to him. I certainly don’t know this to be a fact, but considering that Michael’s own childhood was stolen from him, it’s possible that he never stopped trying to relive it. Each moment in the limelight for Michael Jackson, I could almost hear the ticking clock – moments borrowed before a sad end, like borrowed time, emotional pay day loans and cash loans taken when there wasn’t enough left inside to repay.

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For the average American, it can easily be argued that the most pressing though is whether the current recession is going to let up. For some, that thinking includes “When am I going to get a job?” These concerns are very real and very important. For those who are working but find themselves falling short on their bill payments because of unexpected things like car repairs, pay day loans and cheap loans are there to help. If you’re looking for information on those and want to apply, you’ve come to the right place.

But there are other crises that poke into our bubble. Like this one: “What should I think about North Korea’s missiles reaching Hawaii?” According to the BBC, it could happen. Thankfully, the U.S. military claims we are “prepared.”

Our protectors are “in a good position”

U.S. Defense Secretary Robert Gates has told BBC News that we are “in a good position” to protect ourselves against a potential North Korean missile strike. His ominous comment on the heels of a report that claims that North Korea was “considering launching a missile towards Hawaii.” In fact, Gates even told the BBC that “we do have some concerns if they were to launch a missile to the west in the direction of Hawaii.” Apparently, missile and radar systems are at the ready to “provide support” in the event of attack.

Admittedly, North Korea’s nuclear plans have been cause for concern. But is this just saber rattling by Kim Jong Il and North Korea? Or should we take this threat seriously. Judging by Gates’ statements, America plans to be prepared. However, I do hope that everyone keeps in mind that there is indeed no such thing as a winnable war, particularly if nuclear arms are involved. Diplomacy is always desirable over loss of life.

Weaseling around sanctions

North Korea has performed tests that could indicate that short-range missile delivery of nuclear warheads is in their plans. On May 25, they conducted an underground nuclear test. Since then, they’ve test-fired numerous short-range missiles. According to BBC sources there is currently a North Korean ship under surveillance to ensure that it does not violate United Nations sanctions.

On the financial front, North Korea may be preparing to find ways around financial sanctions. Reportedly, President Obama has warned all U.S. banks that attempt to “engage in deceptive practices” in order to get money in and out of the country. This would be in response to UN Security Council-imposed sanctions that followed North Korea’s nuclear tests. Considering that even their traditional allies – China and Russia – are demanding that Korea return to anti-nuclear proliferation negotiations, it seems that the odds are stacked against Kim Jong Il’s regime. No pay day loans or cheap loans can bail North Korea out of their sanction prison… and that’s the way it should be until they’re willing to play non-violent ball with the rest of the world.

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Turns out, you don't have to be an Olympian to be a runner.

National Running Day might sound like just another goofy holiday that some fitness fanatic made up, but perhaps it wouldn’t hurt to ponder the benefits of running.

Everyone knows that exercise is important and promotes both physical and mental health. Everyone also knows that gym memberships can be expensive. Furthermore, diets, personal trainers and books on losing weight and getting healthy can be expensive as well — especially when compared to the cost of running: free.

No-cost weight loss

Running burns tons of calories, is a great cardiovascular activity and it doesn’t cost a dime. Furthermore, keeping your heart and lungs healthy and maintaining a healthy weight can help avoid future medical costs.

Small investment, big payoff

It is definitely worth it to invest in a good pair of running shoes. Wearing proper shoes when running can protect your shins, ankles and feet from running-related injuries. Now, don’t run out and get pay day loans to buy a pair of running shoes. Shin splints and other stress injuries caused by running will only occur over a long period of time, so just wait until your next payday.

A really good pair of running shoes generally costs about $80. That’s about the average cost of two months of gym membership. However, a sturdy pair of running shoes will last you at least a year, probably two, depending on how much you run.

History of National Running Day

Here’s a brief tutorial on the history of National Running Day: at the time I wrote this, it was about nine hours old.

Yes, today is the first National Running Day ever. The official National Running day web site says :

Many of the major organizations within the running industry are joining forces in an unprecedented unified effort to nationally and locally promote running.

You don’t have to run alone

There are several organized National Running Day events all across the country. Check out the official National Running Day web site to find the one closest to you.

The Boston Globe reports that most National Running Day events come in the form of “5k fun runs.” However, if running more than three miles sounds like something you’re not prepared for at the moment, check out these tips from the National Running Day site to ease into a new, healthy habit:

Tips for “non-runners” from runningday.org:

Relax. Running is a natural act, like breathing or walking. Just about anyone can do it. It is, however, recommended that you consult a health professional before undertaking a serious training program. You may wish to start by walking first, and then gradually incorporating running into your training program.

Think positively. Don’t be discouraged. If you can get through the first several weeks of training, you will find that what seems like a big effort at the start will soon feel natural and easy to you. Within a few weeks, you will experience the pure joy of running down the street or along a park path.

Buy quality gear. The only equipment you will need is comfortable exercise clothes and good running shoes. Go to a running specialty store and get advice about the right shoes for you. You can get good running shoes for $80-120.

Train with a plan. Choose a running/walking course that is readily accessible to you. During your first two training weeks, try to run two or three times per week, on alternate days. When you feel ready, increase to four days a week, then five days. The idea is to build up gradually. Even top competitive runners take days off regularly to rest and avoid injury. Stretch your muscles on both your running and non-running days.

It’s okay to walk. Begin your first workouts with 15 minutes of alternating walking and jogging: Walk for five minutes, then run easily for two or three minutes; repeat. If you are comfortable jogging from the start, that’s fine, but do not run the entire time even if you think you can. Don’t worry about the distance you cover. On your third or fourth workout, try increasing your time to 20 minutes. After three or four more workouts, move to 25 minutes, then after another three or four workouts, try a 30-minute continuous run. Don’t force yourself to go farther or faster than what feels comfortable to you. The idea is to keep running regularly, and you’re more likely to do that if you’re enjoying yourself and looking forward to your next run.

Once  you’ve gone through these steps, there are more tips available at the National Running Day web site.

One of the more popular definitions of faith as posited by Merriam-Webster is that it is “a firm belief in something for which there is no proof.” As children, we place our faith in numerous things which we cannot see or prove via physical evidence: Santa Claus, the Tooth Fairy and imaginary friends.

In fact, many experts believe that having an imaginary friend in childhood is quite normal.  It’s often a stress-coping mechanism. More still believe that in an evolutionary sense, the inclination toward having imaginary friends is comforting, akin to a young child being comforted by sounds similar to those heard in the womb. As adults, we tend to leave behind parts of our original animal natures because… people would start to talk, acting in complete denial of the animal lusts that drive us to consume, obtain unsecured loans and pay day loans, then consume some more.

Regulated consumption is logical from an evolutionary standpoint. Our prime directive is to survive, and money systems are tied to our survival in the modern world. There’s nothing imaginary about that. It’s cold, hard and you can  hold it in your hand.

Knowledge vs. belief

Bart Ehrman, a best-selling author and religious studies professor at the University of North Carolina, embraces logic. For as a wise Vulcan once said, “logic is the beginning of wisdom, not the end.” Without evidence of a thing, we cannot logically prove it to exist. Bart Ehrman believes that there is a faith in the unerring word of the Bible that simply shouldn’t exist. There is no logic in doing so, and to turn our backs on logic is to ignore the trinity that makes humanity unique in the animal kingdom: logic, compassion and kindness.

John Blake reports for CNN that Bart Ehrman “doesn’t intend to destroy your religious faith.” He is merely investigating as logic dictates, as he is a biblical detective, much like the Robert Langdon character in Dan Brown’s popular novels like “The DaVinci Code” and “Angels and Demons.” Much like Brown’s work, Ehrman’s latest book, “Jesus, Interrupted” has proven controversial. Here are just a few of his conclusions:

• Doctrines such as the divinity of Jesus and heaven and hell are not based on anything Jesus or his earlier followers said.
• At least 19 of the 27 books in the New Testament are forgeries.
• Believing the Bible is infallible is not a condition for being a Christian.

“Christianity has never been about the Bible being the inerrant word of God,” Ehrman says. “Christianity is about the belief in Christ.”

A popular guest-investigator

Bart Ehrman’s research and ideas have stirred controversy and made him a frequent guest in popular media. A large part of his discussions have to do with his the growing interest in the theory that large parts of the Bible were left on the cutting room floor by Christian councils throughout history. And it’s no wonder, as some of the Apocryphal Books portray Jesus as a mischief-maker who changes his friends into animals. But that’s not all experts believe was left out.

This is not a new idea. Critics like Bishop William Willimon say that Bart Ehrman “presents this stuff as if this is wonderful new knowledge that has been kept from backward lay people and this is the stuff your preachers don’t have the guts to tell.” Willimon and others of religious faith see it as arrogance, but they have to admit that Bart Ehrman has a “clear-thinking gift” for making New Testament scholarship more accessible to all. It’s imminently logical to do so.

Resurrecting controversy

“His take on the scriptures is a gift to the church because of his ability to articulate questions and challenges,” says Rev. Guy Williams, a Methodist minister. “It gives us an opportunity to wrestle with the [Bible's] claims and questions.”

For example, here’s a big claim Bart Ehrman makes: there was no resurrection. He doesn’t think the resurrection took place because there is “no proof Jesus physically rose from the dead, and the resurrection stories contradict one another.” Those contradictions and historical records of when the apostles likely lived tend to throw doubt about the Bible’s authorship claims as well. As a scriptural detective and teacher, it’s Bart Ehrman’s job to apply logical research to the issue. He has extensive knowledge of ancient manuscripts used in Biblical translation and knows much about the culture and history of the New Testament. Moreover, he’s written 20 books on early Christianity. He may be more of an authority on his subject matter than anyone else on Earth.

Women in the church

This is a big area where Ehrman points out more unavoidable inconsistency. Sure, most people sample from the Bible the way they’d eat at a buffet, but how can something like this be ignored? In I Corinthians, Ehrman points to how Paul insists women should “remain silent in church” (1 Corinthians 14:35-36). However, by Romans 16, Paul’s stance has changed completely and without explanation. The apostle says women can be church leaders, and he encourages such. He even goes so far as to cite women serving as deacons at the time, Ehrman says.

Always question

Ehrman once had a different attitude toward the Bible. He was raised Episcopalian and believed that the Bible was “God’s words.” But his experience in seminary school, frustration with a minister who tried to elicit deathbed confessions of sin from his father and those unanswerable questions changed his course. “How could there be a God when there is so much suffering in the world?” led him toward agnosticism, which is odd considering that a man interested in logic and finding the truth through thorough investigation would stop at a half-way point of non-commitment.

But as I’ve said, we never fully turn away from the things that comforted us as children, do we? And that’s OK. You don’t need my permission, because I’m in the same boat with you. Luckily, Ehrman knows how valuable logic is to humanity’s survival.

But I told you I’m happy

Yet there are countless people who can’t believe that Bart Ehrman is perfectly happy with his beliefs. They say they’ll “pray for him” because he’s agnostic. In other words, they reach out the proverbial condescending hand in a velvet glove of socially expected kindness. Still more are not so nice; they call Ehrman “the anti-Christ,” which makes for wonderful Tim LaHaye-esque theater…

“I’m not that powerful,” says Ehrman.

Blake concludes his look at Bart Ehrman by highlighting why so many people of the Christian faith are uncomfortable with him:

Whether it’s his family, critics or students, Ehrman says he has a better handle on why he is so threatening to so many people — some Christians worry they will make the same decision he has.

“I changed my mind,” he says. “My students find me more dangerous that way. I really do know what they’re talking about when they stake out an evangelical position.”

Keep thinking. It’s what we were born to do (along with eating and mating). If you think you need unsecured loans or pay day loans along the way, Bart Ehrman won’t stop you. Your personal decisions are your own.

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Wallet, meet overdraft fees

Payday loans in Ohio have weathered the storm of House Bill 545. This we know.  But let’s take a closer look at what opponents of payday loans are concerned about. An editorial by Marc Kovac of Dix Communications, a media conglomerate that no doubt has interest in the banking industry, should shed some light on the matter.

Governor Strickland has voiced concern that if lenders are using Ohio’s Small Loan Act to lend at the same rates as before, they may be violating the new law of House Bill 545. So what he’s saying is that the pay day loan companies left in Ohio may be breaking the law by following the law. Not only is that not the problem of the lenders, but it should be noted that lenders are working within applicable laws. They are cooperating with state government.

Payday lenders cooperate, adapt

Payday loans have adapted to existing laws. When House Bill 545 placed an oppressive 28 percent annual interest cap on short-term consumer loans, stores closed and hard-working individuals lost their jobs. None of this was necessary. Those against HB 545 predicted that the bill would put 6,000 Ohioans out of work. Much of that fear was recognized once the bill passed. Over 500 stores closed, according to Ohio Department of Commerce Legislative Director Ernie Davis.

According to Kovac, State Attorney General Richard Cordray identified the usage of the Small Loans Act as a “loophole.” Here’s how he put it:

… I believe that none of you realized that the language you drafted in the legislation left a loophole in Ohio law … to continue gouging consumers through exorbitant fees… some lenders are still charging fees and interest on small loans that may add up to an annual percentage rate of in excess of 300 percent. This is substantially equivalent to the fees charged by payday lenders under their previous business model.

Banks want overdraft fees, not payday loans

It is equivalent, yes. Of course, the 300-plus percent APR is irrelevant. It amounts to political chicanery on Cordray’s part, as payday loans are two-week loans that charge 15 to 25 percent of principal as the loan fee. Now, under the Small Loan Act, opponents are also crying about the check-cashing fee lenders in the state are charging if customers want to cash their checks there. Yet this still falls under the “equivalent fees” Cordray is braying about.

If Dix Communication indeed shares the same interest banks have in attempting to ban payday loans, what would that rather large interest be? Without a doubt, banks want customers to rely upon their equivalent product, overdraft protection. It is MUCH more expensive than using payday loans for emergency cash. Banks want your money however they can get it. Why not use a less expensive product when you’re in a jam. Use payday loans.

Jim Siegel of The Columbus Dispatch reports (See: http://www.dispatchpolitics.com/live/content/local_news/stories/2009/02/20/copy/payday13.ART_ART_02-20-09_B3_KCCVQ7F.html?adsec=politics&sid=101) that the Ohio Department of Commerce will not regulate payday loans into oblivion. Great, but they’re on the verge of being taken away from the public as is, thanks to House Bill 545. It capped annual interest rates at 28 percent for the high risk, unsecured loans, which is not a workable profit model. It isn’t oblivion, but it’s close.

In order to save scores of employees from unemployment and keep options open for consumers who need emergency cash but have less than perfect credit, lenders who remain in Ohio are offering pay day loans under the state’s Small Loan Act. Ernie Davis, the commerce department’s legislative director admits that lenders ”are operating under licenses set in statute.” Yet meddling politicians – driven as if their masters’ whips are at their backs – are going to look again and again to make sure lenders are “abiding by terms set in the new law.”

What’s their main problem?

Some are claiming that the process payday lenders are using under the Small Loans Act – issuing a check payment, then charging a fee if the customer wants to cash the check there – is exploitative. This, of course, is ridiculous. They can cash elsewhere, such as at their bank (they can’t take out payday loans if they don’t have bank accounts). Furthermore, check cashing businesses charge a small fee to cash checks. Why should a payday lender do it for free?

Gov. Ted Strickland says that he’ll be willing to review the situation if the law is being violated, but otherwise, pointless legislative battles that waste the taxpayers’ money must not occur. Furthermore, the payday loans industry should not be squeezed any more than it already has. John Rabenold, VP of governmental affairs for Cincinnati-based Axcess Financial (parent company of Check ‘n Go) said that half of their 72 Ohio stores are no longer in operation, and “the rest are struggling.” Rabenold would welcome a return to the debate over House Bill 545, but only so long as politicians wake up and see that capping payday loans hurts consumers.

That’s exactly what Rock Hill, South Carolina’s The Herald newspaper is doing when it comes to their payday loans reporting. Their staff opine that the recent bill that passed the S.C. House is “toothless” and does not protect consumers from supposedly “predatory” lenders. Of course, they would be on to something if not for the fact that pay day loans aren’t chewy (they go down like a smooth custard) and lenders are paid back on time by their customers about 90 percent of the time. Where’s the predation, the carnage? It isn’t there.

Rub ‘em out, yeah, see…

Through clenched teeth (cheeks?), The Herald describes in mock horror what the state House passed:

That bill limited borrowers to one loan at a time and required a seven-day cooling-off period between loans. More significantly, it capped the amount of a loan at 25 percent of the borrower’s income or a maximum of $500. And it required the State Board of Financial Institutions to keep a database of payday loans to prevent borrowers from shopping for loans from one payday lender to another… The House bill would limit borrowers to one loan at a time and establish a database to track loans. But it places no cap on interest rates, and it would double the amount of money a consumer could borrow — from $300 to $600.

What do they suggest could clean up this inexcusable exercise in consumer convenience and financial utility? Because it has to be stopped, right? Their rallying cry from climates unknown is that South Carolina senators could cap the interest rates loan until payday companies charge. That will harm the population just fine, yeah, ya see?

It’s time for the arts!

According to The Herald, the payday loans industry “paints” a portrait where consumers rely upon them in emergency cash situations. That’s horrible! Is it true, momma, that they also trap little kids like me in a big, bad cycle of debt? No? Oh good, I was worried there. I feel better now that you tell me it’s only a fairy tale.

But the Center for Responsible Lending is NOT a fairy tale. They are very real and very much responsible (through close association) for the recession that has nearly buried America. The Herald, bless their little hearts, they think citing anything from the Center For Responsible Lending constitutes a credible source! Let’s say it for those who missed the commercial last time: payday loans are not annual loans and they DO NOT bear 391 percent annual interest. They are typically two-week loans that charge $15-$25 per $100 loaned. That’s a 15 to 25 percent fee – not 391 percent annual interest.

Lobbying marches on; it’s The Herald that’s greasy

The payday loans industry, according to The Herald, “helped grease the way for the House bill with nearly $300,000 for lobbyists and political contributions.” Lobbying is salesmanship. Everybody does it, or if they don’t, they should. When it comes to political causes (regardless of what side of an issue draws you), money changes hands. So long as the playing field is level, why is that wrong? Lobbying is the American way. Be careful on the way out, Herald. Don’t slip in your own grease and don’t let the door hit you…

All he ever wanted to be was a banker... (image byflickr)

Many Americans have found that during a financial emergency, payday loans can help bridge the distance between paychecks. Some have even used the product for educational materials that help them retrain for better jobs. However, in New York (where pay day loans aren’t legal, to the state’s detriment), the state gives $45 million in state funds away for worker training. But you have to be a former Wall Street employee to enjoy a piece of that pie.

Wait a minute. New York City is spending $45 million to retrain former Wall Street employees for the workforce? Aren’t these employees already well-educated and skilled in a number of disciplines? In general, don’t they have to be before they’re even hired by a high-powered investment firm? Why do they merit $45 million in government funds for retraining, while other workers who couldn’t afford Wall Street educations continue to subsist from paycheck to paycheck?

Give them more rope

And so it goes. Patrick McGeehan of the New York Times reports that New York City Mayor Bloomberg has announced this training investment plan. In addition to the $45 million, the program will also “provide seed capital and office space for new businesses those laid-off bankers might create.”

Not only that, but Bloomberg’s plan includes the hope that foreign banks will come to New York and open up shop. Seems to me that would entail work being done in America by non-Americans, with significant portions of the profit being funneled out of America. Is that what the country needs right now? Keep profits here, keep Americans working and then perhaps consumers could afford to take fewer payday loans.

Small business? I agree in principle

Yes... a BANKER!

Bloomberg’s ideas about funding for small startups (the “new businesses”) could work well. A complex in SoHo will serve as a nest for new startups, which might employ some of these laid-off Wall Street professionals. However, what many would like to see is training that would enable non-Wall Street workers with a head for numbers to join exciting new companies like the ones Bloomberg envisions. Not counting private investment, New York City plans to spend $15 million on such programs for small business development. Federal money would also be involved. Over 10 years, the estimate given is the creation of 25,000 jobs and $750 million injected back into the local economy.

Wall Street is headed into the sunset

McGeehan relates that New York City officials expect to see a significant drop in the number of jobs in capital markets. Thus, Bloomberg feels that the New York economy must shift toward other areas to soften the blow and change the city’s disastrous financial course. What we’ll see is more talented people remaining in New York instead of flocking to other areas or other countries. Nothing wrong with that, but let’s go further. Let’s increase that talent base by making the necessary education affordable. More people deserve the chance to live lives free of financial worry. Payday loans help, but they are not a long-term financial plan. Learning and improving one’s standing in life is a time-tested recipe. School systems fail too many young people… money needs to be funneled into the kind of education they need to be successful.

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Payday loans have helped many families weather financial storms and make it until the next paycheck. The impact they have upon general financial well-being has been significant, without any slippery slope toward ruinous conditions. Thankfully for the people of Montana, there are still politicians who know when to battle for what’s right – a 36 percent annual percentage rate cap simply won’t be allowed to waltz in and have its way.

According to AP reporter Matt Gouras, this unnecessarily strict regulation – House Bill 396 – hasn’t received the support that Democrats in the state had hoped. The House Business and Administration Committee locked in a 9-9 voting deadlock, which split evenly along Democratic and Republican lines. The House is similarly deadlocked on this important vote.

You can’t put people out of work right now

Previous incarnations of the bill as introduced by Rep. Bill Wilson asked for even more fee and term limit restrictions, but compromises were necessary, as the original version of the proposed legislation was considered to be much too unfriendly to the pay day loans industry.

Perhaps someone realized it would shut the businesses down and put people out of work? Whatever the case, supporters of the anti-payday loans bill aren’t ready to give up. A ballot initiative is planned for a more opportune time. Would that be when honest consumers and the officials who represent them aren’t paying attention? Not gonna happen.