The best ways to Beginning Getting Free Credit history Information Online

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by williamcho Due to the fact that of the advancements in net as well as innovation generally, you can already get your free credit report reports from numerous web sites. This is of much assistance specifically to individuals that want to examine their credit history reports greater than yearly. The totally free annual credit report records from the federal government could only be purchased yearly. Throughout those various other times, you would certainly need to depend on the solutions of various on-line credit score coverage companies. A lot of the credit repot deals are also free of charge. Nevertheless, the process of

acquiring a cost-free credit score report online is the same-that ways you would certainly need to divulge some personal and individual information for your record to be produced. With this, you ought to really take extra care finding which internet sites and online services. If you are not mindful, you might obtain extra credit score card costs without your recognizing. Aside from that, you should also make certain that website is safe and secure. Keep in mind that fraudsters as well as burglars are all over. Authorize up just to sites that could ensure clear personal privacy policies when you enroll in totally free solutions. A lot of, otherwise all on the internet credit history report solutions would require you to subscribe to credit history monitoring or identity theft discovery solutions as well. Which might cost you. So, prior to you enroll in any on-line solutions, you need to see to it that you understand all the terms and also things you have to do to obtain your credit report absolutely free. There is also normally a trial duration for such credit report reporting services online. The test duration varies from 7 to thirty days. Obviously, during this period of time, you can test the services which are cost-free of cost. Such solutions consist of debt monitoring as well as identity theft solution. If you believe these exercise well, after that there’s not a problem continuing. Nonetheless, do think about that after the test period, you would currently most likely be billed. If you can not manage the prices, you should terminate the complimentary credit score report on the internet service prior to the test finishes. Again, you could only terminate your subscription if you have fully read as well as comprehended the regards to service before you subscribed. Commonly, such online company would require you to phone call to terminate registration. The costs vary across carriers from 9 bucks to 40 dollars monthly. Often, reimbursements are additionally not offered especially when you terminate after your charge card has actually already been billed. Likewise, on-line free credit history report service suppliers could offer for credit reports from one of the three credit coverage firms. Some on the other hand, have the ability to offer their clients with credit scores reports form all three credit history recording bureaus. Still, with a little initiative you could still locate on-line services from the credit score reporting agencies themselves. The only problem you could encounter when it concerns availing for online totally free credit history report solutions is that once you have actually currently finished a certain offer, you may not be able to do it twice. This is due to the fact that you are restricted from availing the exact same deals in the future. Customers can have totally free credit report from Free-Credit-Reports. com. Such on the internet service providers could offer you an exact< a rel =" nofollow"href ="http://www.free-credit-reports.com "> copy of credit rating report when you

should evaluate it before or after you have received the yearly reports from the government. The records are from the debt record bureaus so you are guaranteed to have precise outcomes. Related Credit rating Reports Articles

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by< a href= "http://www.flickr.com/photos/10088550@N00/2866039659" > YoTuT SEPTEMBER 18, 2008 Worst Dilemma Considering that ’30s, Without any End Yet visible By JON HILSENRATH, SERENA NG and DAMIAN PALETTA The economic situation that started 13 months ago has entered a brand-new, even more severe stage.
Sticking around hopes that the damage can be included to a handful of banks that made poor bank on home loans have evaporated. The latest turmoil comes not so much from the initial trouble– struggling subprime home loans– yet from losses on credit-default swaps, the insurance agreements marketed by American International Team Inc. as well as others to those looking for security versus various other firms’ skipping.
The effects for business and also presidents who tarry– expecting much better times in which to raise funding, sell assets or recognize losses– are currently clear and also brutal, as falling share rates as well as frightened loan providers send distressed companies right into ever-deeper holes. This weekend break, such an understanding led John Thain to offer the century-old Merrill Lynch & & Co. to Financial institution of The U.S.A. Corp. Each episode seems to bring intervention by the federal government that is much more considerable and also pricey than the previous one, and also carries higher threat of unexpected consequences.
Assumptions for a quick end to the dilemma are fading quick. “” I believe it’s mosting likely to last a lot longer than probably we would have anticipated,” “Anne Mulcahy, president of Xerox Corp., claimed Wednesday.
“” This has actually been the worst monetary crisis given that the Great Anxiety. There is no doubt about it,” “stated Mark Gertler, a New York University economic expert that functioned with fellow academic Ben Bernanke, currently the Federal Reserve chairman, to describe exactly how economic turmoil could contaminate the general economy. “” Yet at the exact same time we have the plan devices in location fighting it, which is something we really did not have during the Great Clinical depression.””
. In the wake of this past week’s market disaster, WSJ’s business economics editor David Wessel takes a look at the shakeup as well as sees either end results: the crisis as catharsis or a dragged out mess.
The United States financial system appears like a patient in extensive treatment. The body is aiming to battle off a condition that is spreading, and also as it does so, the body convulses, opts for a time and after that convulses once more. Condition has bewildered the self-healing tendencies of markets. The physicians in cost are turning to ever-more intrusive treatment, and are currently explore treatments that have never previously been used.
Fed Chairman Bernanke as well as Treasury Assistant Henry Paulson strolled into the hastily organized conference with congressional leaders Tuesday evening to brief them on the federal government’s unmatched rescue of AIG. They resembled worn down surgeons supplying grim news to the family.
“” These are huge, meaningful occasions with catastrophic implications,” “Sen. Chris Dodd, a Connecticut Democrat, said in a meeting after the conference.
Fed and also Treasury authorities have identified the illness. It’s called deleveraging. During the credit rating boom, banks as well as American homes took on also much debt. Between 2002 and 2006, family borrowing grew at an ordinary annual price of 11%, much exceeding general economic growth. Loaning by economic organizations expanded by a 10% annualized price. Now several of those debtors can’t pay back the car loans, partially due to the collapse in housing prices. They have to lower their reliance on obtained loan, an excruciating as well as drawn-out process that could choke off debt as well as financial development.
At the very least three points require to take place to bring the deleveraging procedure to an end, and they’re hard to do simultaneously. Economic organizations and others should fess up to their blunders by selling or documenting the value of distressed assets they acquired with borrowed money. They should settle financial obligation. Lastly, they require to reconstruct their resources paddings, which have actually been eroded by losses on those troubled properties.
Yet a number of the distressed properties are hard to worth and also there are couple of if any type of purchasers. Deleveraging additionally eats itself in a manner that could produce a descending spiral: Trying to sell properties pushes down the assets’ prices, which makes them harder to sell and also leads companies to aim to offer more possessions. That, subsequently, subdues these firms’ share prices and makes it harder for them to market new shares to elevate funding. Mr. Bernanke, as a scholastic, called this self-feeding loophole a “” monetary accelerator.””
. Extra on the Crisis.
Placing Concerns Pound World MarketsMorgan Stanley in Talks With Wachovia, OthersUnheard Pleas, Lost Opportunities for AIG Total Protection: Wall surface Road in Dilemma”” Most of the CEO types weren’t ready … to take these losses, and say, ‘I approve the fact that I’m marketing these method below fundamental value,’ ” “claims Anil Kashyap, an University of Chicago service teacher. “” The ones that had the most significant direct exposure, they’ve all passed away.””
. Deleveraging begun with securities tied to subprime mortgages, where defaults started climbing quickly in 2006. But the deleveraging procedure has actually now spread out well beyond, to industrial realty and also car loans to the short-term dedications on which investment banks rely to fund themselves. In the first quarter, financial-sector loaning slowed down to a 5.1% development rate, about half of the average from 2002 to 2007. Home loaning has actually slowed even a lot more, to a 3.5% rate.
Goldman Sachs Team Inc. economist Jan Hatzius estimates that in the past year, financial establishments all over the world have already documented 8 billion worth of possessions and also raised 7 billion worth of funding.
However that doesn’t seem sufficient. Each time monetary firms as well as capitalists suggest that they have actually created assets down sufficient and increased sufficient new resources, a new age of selling activates a reevaluation, moving the dilemma into brand-new area. Residential mortgage losses alone might strike 6 billion by 2012, Goldman approximates, triggering prevalent retrenchment in bank loaning. That could shave 1.8 percentage points a year off economic development in 2008 and 2009– the matching of 0 billion in shed great in services each year.
“” This is a deleveraging like absolutely nothing we’ve ever before seen before,” “said Robert Glauber, now a teacher of Harvard’s federal government as well as regulation schools that came to the Washington in 1989 to help organize the savings as well as funding clean-up of the very early 1990s. “” The S&L losses to the federal government were little compared with this.””
. Hedge funds can be among the next problem locations. Numerous rely upon borrowed cash, or leverage, to enhance their returns. With banks under stress, several hedge funds are much less able to borrow this cash currently, pressing returns. At the same time, there are growing indicators that less capitalists are changing right into hedge funds while others are drawing out. Fund capitalists are dealing with their own problems: Many use obtained cash to buy the funds and also are locating it harder to obtain.
That all makes it most likely that more bush funds will certainly shutter in the months ahead, requiring them to offer their financial investments, further weighing on the marketplace.
Debt-driven monetary injuries have a long background, of training course, from the Great Clinical depression to the S&L crisis to the Oriental economic dilemma of the late 1990s. Neither financial experts neither policymakers have simple options. Trimming rate of interest and also writing stimulus checks to families could aid– and also might have stopped or postponed a deep economic crisis. But, a minimum of in this instance, they don’t be enough.
In such scenarios, governments practically invariably trying out remedies with varying degrees of success. Franklin Delano Roosevelt released a hodgepodge of brand-new firms as well as a host of new guidelines in the after-effects of the marketplace collision of 1929. In the 1990s, Japan started a years of often-wasteful federal government spending to respond to the side effects of a rupturing bubble. President George H.W. Bush and also Congress developed the Resolution Count on Corp. to take as well as market the properties of stopped working second hands. Hong Kong’s free-market federal government took place a massive stock-buying spree in 1998, buying up shares of every business listed in the benchmark Hang Seng index. It wound up product packaging them right into an exchange traded fund and also generating income.
Today, Mr. Bernanke is taking out his playbook, said NYU economic expert Mr. Gertler, “” and rewording it as we go.””
. Merrill Lynch & & Co.’s emergency situation sale to Financial institution of The U.S.A. Corp. last weekend was an instance of the perniciousness and also changability of deleveraging. In the past year, Merrill has employed a new president, composed off.4 billion in properties and also increased billion in equity capital.
Yet Merrill couldn’t maintain. The even more it elevated, the extra it was required to compose off. When Merrill CEO John Thain participated in a conference with the New York Fed and also various other Wall surface Road executives recently, he saw that Merrill was the next most vulnerable broker agent firm. “” We saw Bear and Lehman. We understood we can be next,” “said one Merrill exec. Scared that its lending institutions would shut the company off, he sold to Financial institution of America.
This dilemma is made complex by cutting-edge financial tools that Wall surface Road produced as well as distributed. They’re making it harder for authorities as well as Wall Street execs to know where the next collection of risks are hiding and also spreading out the geological fault of the situation.
The most recent difficulty place is an area called credit-default swaps, which are personal agreements that allow firms trade bank on whether a consumer is mosting likely to default. When a default happens, one celebration settles the various other. The worth of the swaps increase and also fall as market reassesses the threat that a company won’t have the ability to honor its responsibilities. Companies make use of these instruments both as insurance coverage– to hedge their exposures to risk– and also to bet on the wellness of various other companies. There are now credit-default swaps on more compared to trillion in the red– up from around 4 million a decade back.
Among the big brand-new players in the swaps game was AIG, the world’s largest insurance company as well as a major seller of credit-default swaps to financial institutions as well as business. When the credit scores markets were thriving, numerous firms bought this insurance coverage from AIG, believing the insurance titan’s solid credit score ratings and large equilibrium sheet might safeguard them from bond and finance defaults. AIG, which accumulated charitable premiums for the swaps, believed the threat of default was low on many safeties it guaranteed.
Since June 30, an AIG unit had actually written credit-default swaps on greater than 6 billion in credit report assets, including home loan protections, corporate fundings and intricate organized products. Last year, when rising subprime mortgage delinquencies harmed the value of numerous safeties AIG had actually guaranteed, the company was required to schedule large write-downs on its derivative positions. That startled financiers, who reacted by disposing its shares, making it harder for AIG to raise the capital it significantly needed.
Credit report default swaps “” didn’t cause the issue, but they definitely worsened the financial situation,” “claims Leslie Rahl, head of state of Capital Market Risk Advisors, a consulting company in New york city. The large volumes of outstanding CDS agreements– as well as that they trade straight between institutions, without systematized cleaning– intertwined the fates of numerous big financial institutions as well as brokerage firms.
Few economic crises have actually been ironed out in modern-day times without massive federal government treatment. Significantly, authorities are involving the verdict that much more may be needed. A big issue: The Fed can and has supplied short-term cash to sound, but struggling, organizations that are out of support. It can, as well as has, decreased the interest rates it influences to attempt to reduce loaning prices via the economic situation and also motivate investment and investing.
However it is unfit to offer the funding that banks now desperately have to fortify their financial resources as well as broaden borrowing.
In typical times, capital-starved firms usually could raise capital by themselves. In the current dilemma, a variety of huge Wall surface Road companies, including Citigroup, have counted on sovereign riches funds, the government-controlled swimming pools of loan.
Yet both on Wall surface Road and in Washington, there is boosting expectation that UNITED STATE taxpayers will either take the bad assets off the hands of economic organizations so they could increase resources, or place taxpayer resources into the companies, as the Treasury has agreed to do with mortgage titans Fannie Mae as well as Freddie Mac.
One proposal was elevated by Barney Frank, the Massachusetts Democrat who chairs your house Financial Providers Board. Rep. Frank supported developing an analog to the Resolution Trust fund Corp., which took possessions from failed financial institutions as well as thrifts and also found customers over numerous years.
“” When you have a big loss in the market, there are just 3 people that can take the loss– the bondholders, the investors as well as the government,” “stated William Seidman, who led the RTC from 1989 to 1991. “” That’s the dancing we’re seeing right now. Are we mosting likely to shove this loss into the hands of the taxpayers?””
. The RTC seemed debatable and also ambitious at the time. Any analog today would certainly be much more complicated. The RTC gave mostly of industrial realty. Today’s troubled properties are intricate financial obligation securities– most of that include items of other instruments, which in turn consist of pieces of yet others, numerous steps removed from the actual mortgages or consumer lendings on which they’re based. Untangling these hairs will certainly bore and also accessing the underlying collateral, hard.
In the beginning of this crisis, regulators saw that their guidelines really did not fit the rapidly changing economic system they were asked to supervise. Investment financial institutions, at the core of the situation, just weren’t as carefully checked by the Stocks and also Exchange Commission as commercial financial institutions were by their regulators.
The federal government has a system to close failed financial institutions, developed after the Great Depression partly to avoid abrupt runs by depositors. Now, runs happen in spheres regulatory authorities hardly understand, such as the repurchase arrangement, or repo, market, where financial investment banks fund their day-to-day procedures. And also regulators have no procedure for dealing with the failing of an investment bank like Lehman. Insurance firms like AIG typically aren’t even federally controlled.
Regulators have all but promised that more financial institutions will stop working in the coming months. The Federal Down payment Insurance policy Corp. is drawing up a strategy to elevate the costs it bills financial institutions to make sure that it could reconstruct the fund it uses to back deposits. Examiners are tightening their chain on banks across the nation.
One pleasant secret is why the economic dilemma hasn’t already hit the economic situation harder– a minimum of so much. “” This economic dilemma hasn’t already yet translated right into fewer … companies starting up, less research as well as growth, less advertising and marketing,” “Ivan Seidenberg, primary executive of Verizon Communications, stated Wednesday. “” We have not seen that yet. I make sure every company is keeping their eyes on it.””
. At 6.1%, the unemployment rate remains well listed below the height of 7.8% in 1992, amid the S&L situation.
In part, that’s because federal government has actually reacted boldy. The Fed’s timeless error that brought about the Great Anxiety was that it tightened monetary policy when it ought to have eased. Mr. Bernanke really did not repeat that error. And also Congress removaled more swiftly to accept financial stimulation compared to a lot of Washington professionals believed feasible.
Partly, the more comprehensive economic climate has actually held mainly constant since exports have been so solid at simply the best minute, a tip the international economy’s relevance to the United States And also partially, it’s due to the fact that the U.S. economic climate is showing remarkable resilience, as infotech enables execs to react extra quickly to arising problems and also– to the discomfort of employees– business are quicker to readjust earnings, working with as well as work hours when the economy softens.
However the threat remains that Wall surface Street’s distress will certainly spread out to Main Street, as credit score tightens for consumers and business. Already, U.S. car manufacturers have been forced to tighten up the terms on their leasing programs, or desert composing leases themselves completely, since of problems in their financing systems. Goldman Sachs economic experts’ optimistic situation is a pair years of light economic downturn or shateringly slow economy development.
— Aaron Lucchetti, Mark Whitehouse, Gregory Zuckerman and Sudeep Reddy added to this article.Write to Jon Hilsenrath at jon.hilsenrath@wsj.com, Serena Ng at serena.ng@wsj.com and also Damian Paletta at damian.paletta@wsj.com.

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< a href =" http://www.flickr.com/photos/51984145@N00/10798021114" > eric731 The above visuals programs the present quantity of personal financial debt people in America are holding. As you can see, Americans are extremely slowly settling their debts.

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Title: Atlanta City Directory Year:< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookyear1922" > 1922(< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookdecade1920" > 1920s) Writers:. Subjects:. Author:< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookpublisherAtlanta_City_Directory_Company" > Atlanta City Directory Firm Contributing Library:< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookcontributorEmory_University_Libraries" > Emory College Libraries Digitizing Sponsor:< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/booksponsorLyrasis_Members_and_Sloan_Foundation" > Lyrasis Members as well as Sloan Foundation View Book Page:< a href=" https://archive.org/stream/atlantacitydirec1922atla/atlantacitydirec1922atla#page/n843/mode/1up” rel =” nofollow” > Book Customer Regarding This Publication:< a href=" https://archive.org/details/atlantacitydirec1922atla" rel=" nofollow" > Catalog Access ViewAll Images: < a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookidatlantacitydirec1922atla" > All Images From Publication Visit this site to< a href =" https://archive.org/stream/atlantacitydirec1922atla/atlantacitydirec1922atla#page/n843/mode/1up" rel=" nofollow" > view publication online to see this image incontext in a browseable online variation of this publication. Text Showing up Before Photo: hi2 Evans dr Frank ship elk
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Financing A Home: Escalating Your Credit history Rating Ranking

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by classic_film Today there are many houses to buy made with very little prices and also reduced prices. Real estate is much more moderately priced currently compared to it has been in numerous years. Considering the here and now sector, why isn’t anybody snapping up homes? The truth is, countless at first time residential property consumers are jumping right into the market as well as acquiring know this economical real estate alternative. Reputable est capitalists are additionally really active as they see this distinct choice to create their range. The unfortunate fact for all people at the moment is the truth that although homes are extra cost-effective currently than in plenty of years, loan providers are unbelievably picky regarding who will certainly get a financial finance and also that will not. And also your credit report rating is one specific with the major indications of whether you’ll obtain authorized for any personal financing as well as what your interest rate will probably be.Just numerous a long time back a customer which has a credit report rating as minimized as 500 might acquire a house. These days that score needs

to generally be a very little of 620 to 640. As well as to get the leading passion levels you premium have a very credit scores rating score inside the 700’s. Whatever your credit rating is, you should certainly recognize it. If it actually is not shut to 750 you ought to deal with to create there as well as right here are some straightforward recommendations in order to help you enhance your credit rating score.Allow’s take an examine just what data on our credit scores score determines your rating, then we are mosting likely to give services on tips on ways to enhance in every of all those areas 35%or your credit score rankings rack up is associated with your cost background which not just includes real installments for your financial institutions, nevertheless it entails elements as an example collections, judgments as well as tax liens. With this in head you normally desire for making certain you make your automobile, credit card as well as small business loan funds on time. Lots of funding sellers also require verification of rental payment background, so you may intend to create favorable you compensate your lease in a timely manner furthermore. By the method, a settlement is related to as on time if it genuinely is spent for inside of 1 Month of the attributed go out with. If you might have collections, judgments or tax obligation liens on your very own credit report score, you are going to need to provide proof that these ended up being repaid. If you will certainly locate unpaid collections you’ll have the ability to in numerous conditions bargain a settlement for a smaller amount than exactly what’s owed. From a credit scores rating racking up viewpoint that is virtually just as good as paying in total as long as it is reported as delighted in complete to the credit rating report.Furthermore, you could make a repayment plan for tax obligation liens as well as right after 12 weeks get individuals ranked to your credit report which will help. Judgments are required for being paid back in total in the close to of the bank lending, therefore you will certainly call for so you could get it paid and the credit history as much as date so regarding increase your credit report scores score. In many circumstances having a historic past of late funds we should state, time heals all wounds. In various other message, it may just carry a 12 months approximately of producing your repayments promptly to get the credit rating score you may require. If you might have items in your credit report which could be wrong, then you’ll be able to dispute those goods to have them dealt with together with the credit report ranking bureau.30%of your credit report is associated to how much you owe on your charge card as being a percentage of total debt rating limit. Allow me provide you with an instance: If you’ve obtained 1 credit score card that has a $one,000 minimize so you owe$750 on this card, your percent of credit scores use is 75% along with your available credit report is 25%. The decreased the usage percent the larger your credit report score will probably be (all other variables being equivalent). You will find three strategies to boost this amount. You can achieve this by needing to pay your credit card along as promptly as feasible. You can ask for an increase inside the charge card limitation. And it is possible to also open brand-new having fun cards. To the previous 2, you could must workout some care nevertheless.Once you request a raise with your charge card, it is best to question your credit card firm if they can do that mostly based to the merits within your repayment record with them. Otherwise they’re mosting likely to create a credit report ratings questions which can reduce your rating just a bit little. In my opinion it would certainly nearly certainly nevertheless be cost the credit rating query reduction from your credit history score so you can get your credit report score limitation higher. I take into consideration that in a lot of circumstances you would employ an internet gain in credit report rating ranking, however there were situations when I’ve observed it go down at the very least in the little phrase. By the means, usually do not boost the steadiness on your own credit card when your lower increases or you will certainly have just reversed the improvement, today you owe more loan as well as nonetheless have a marginal debt score. In a similar way, whenever you open a fresh bank card, you end up obtaining a few strikes versus you which is the credit score rankings questions in addition to the brand-new credit history score account. Added regarding equally of these within a minute.15%of your credit history rating score is attributed in your length of credit rating record. So Permit’s have another instance: Allow’s state you have actually 2 bank cards. You have actually obtained 1 of your credit card for 5 lots of years together with the other card for a couple of a lengthy time. So on regular your charge cards are four a long time obsolete, therefore your credit scores score will show this 4 year regular length. Currently in case you open up a new card, you lower your ordinary reduction to about

2.7 several years from 4 numerous years. So at first a minimum of this might have the impact of decreasing your regular size of credit rating and also reduce your credit rating accordingly. Which is an individual from the great factors that opening up new credit report isn’t really a fast fix for bumping your credit scores score up. Having claimed that lets consider a have a look at it a season from now. In one season from opening up the newest bank card your common size can be at three or more.6 so if it belongs of a lengthy term method then it would virtually absolutely be a great technique to stick to.ten% of the credit report ranking rating is associated to brand-new credit report rating, so once throughout again it is possible to see that opening up an entire brand-new credit score account not just decreases your typical size of credit report, however it additionally counts versus you making use of a depend on your personal basis at the same time. This is likewise why a questions impacts your credit ranking at the same time. When you’ll discover inquiries, it’s”assumed”with the technique that you will be obtaining brand-new debt no matter if you could be or otherwise. As an example, in the occasion you experienced your vehicle at the dealer to be dealt with or even though you had actually been waiting you had actually been taking a have an appearance at a brand name brand-new car and also ended up making an offer which the dealer recognizes you may be funding, they are mosting likely to make specific to run your credit scores rating (using your permission obviously). So although you end up not purchasing the new automobile, the credit scores background inquiry gets on your own credit scores record and also could a little lower your credit scores ratings rating. By the way, all inquiries documented in a 30 day period from comparable companies will be taken care of as 1 credit rating questions. So if you could be most likely to be obtaining an automobile or shopping to obtain a mortgage, examine out to have all of the queries location in within 30 times to lessen the effect of several inquiries.The make it through 10%of your credit score rankings score is associated for the ranges of credit rating rankings made use of, or what we name debt integrate. It could be excellent to possess just as credit card, automobile financings, home loans and installment financings in your credit history. For lots of people it’s mosting likely to obtain time to attain all of those, but beware that a person who consistently utilizes significant rates of interest, higher threat lenders will have lessen debt ratings scores also. I are incapable to mention them by name obviously, yet it truly is the finance vendors who could be considered a finance organisation, and also would make high price of interest

and also unsecured finances for home merchandise that could lower your credit history ranking score. Now it genuinely is not adverse to get an account with this kind of business. A great deal of them do the task with vendors to offer no interest, no funds for 90 times or expanded. As extended as that you are not collaborating with them with regularity. When developed you need to be able to receive reasonable cost credit card as well as also an installation financing at a financial institution or credit report union with a hostile charge at the exact same time. So bear in mind as you develop your debt ranking and credit report rating that these points all contribute with your all rounded rating.A couple of other ideas in your instance. A great deal of people request me what this or that want your credit rating and also nonetheless no one can tell you exactly as credit rating racking up is somewhat like Kentucky Fried Chickens essential recipe of 11 herbs and also flavors. It’s a very closely guarded, exceptionally sophisticated developed of formulas that integrates each of the over stated factors and also reduces them decrease to your simple numerous digit number that is absolutely meant to represent your possibility of spending back the mortgage car loan or bank card you’re obtaining. You can wish to link that has a lending company who can assist with guiding you as an outcome of the technique of enhancing your debt score score. You’ll locate likewise a significant quantity of organisations who will, to obtain an asking price, operate in your credit rating scores score offered for you. You’ll locate no warranties with these specialist solutions and, they’re typically fairly expensive and also numerous of them are simply simple swindle, so you need to have to method this avenue with a great offer of caution.Finally, like a client of debt background professional services as well as probably as an individual that desire so invest in a house, you need to make it a top priority to bring control within your funds as well as your credit rating score and also discover exactly what your credit report rating is as well as do very hard to provide it up or retain it. consat< a rel ="nofollow "href="http://www.kreditunddarlehen.com"> http://www.kreditunddarlehen.com

Image from page 645 of “Industrial history of the United States, from the earliest settlements to the present time: being a complete survey of American industries, embracing agriculture and horticulture; including the cultivation of cotton, tobacco, wheat

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Image from page 645 of “Industrial history of the United States, from the earliest settlements to the present time: being a complete survey of American industries, embracing agriculture and horticulture; including the cultivation of cotton, tobacco, wheat
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Identifier: industrialhistor00boll
Title: Industrial history of the United States, from the earliest settlements to the present time: being a complete survey of American industries, embracing agriculture and horticulture; including the cultivation of cotton, tobacco, wheat; the raising of horses, neat-cattle, etc.; all the important manufactures, shipping and fisheries, railroads, mines and mining, and oil; also a history of the coal-miners and the Molly Maguires; banks, insurance, and commerce; trade-unions, strikes, and eight-hour movement; together with a description of Canadian industries
Year: 1878 (1870s)
Authors: Bolles, Albert Sidney, 1846-1939
Subjects: Industries Industries
Publisher: Norwich, Conn. : The Henry Bill pub. Company
Contributing Library: Harold B. Lee Library
Digitizing Sponsor: Brigham Young University

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y. The problem of thelocomotive was solved in 1834 by 44 The Lancasterof Mr. Baldwins make, and Pennsylvania resolved to adopt that sort of motive-power for her railroad to Columbia. But eventhen there were many things about an engine not understood; and constantexperiment and expenditure of money had to be resorted to before the requi-site knowledge was obtained. In order to facilitate the building of railroads, the States at first extended 630 INDUSTRIAL HISTORY to the companies building them direct aid either from the public treasury, orGranting of by a loan of the public credit. There was a generous glow ofpublic aid. interest in them in the public mind. The patriots never gatheredfor a Fourth-of-July celebration or a public dinner without drinking a heartytoast to internal improvements. The papers were full of rhapsodies upon themarch of the new idea; and orators in public assemblages, and in the capitolsof the state and nation, felt that they had well earned the public gratitude

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INTERIOR OF SLEEPING-CAR. by the ardor of their advocacy of railroads, canals, and military roads.Such being the state of the public mind, every railroad enterprise wisely con-ceived and prudently conducted found it easy to obtain State aid to suchreasonable amount as would enable its promoters to accomplish their work.Maryland was the first State in the country to grant legislative aid to railroads.In 1828 the sum of 0,000 was granted to the Baltimore and Ohio line;and in 1835 the State subscribed ,000,000 to the stock of the company,and the city of Baltimore ,000,000 more. Massachusetts loaned ,000,000 OF THE UNITED STATES. 631 to the Boston and Albany line. New York followed her example by loaningsmall sums to the different companies building the chain of roads out to LakeErie, — a step which the panic of 1837 made necessary in part, since it dis-couraged the investment of private capital. Pennsylvania went so far as tobuild her first rail-route from Philadelphia to Colu

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IMG_6491 Gustave Caillebotte. 1848-1894. Paris. Parterre de marguerites. Parterre of daisies. 1893. Paris Orsay. Prêt du musée de Giverny. Loan from the Giverny Museum.
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Gustave Caillebotte. 1848-1894. Paris. Parterre de marguerites. Parterre of daisies. 1893. Paris Orsay. Prêt du musée de Giverny. Loan from the Giverny Museum.

ART MODERNE : LE RENOUVELLEMENT DES FORMES

L’Art Moderne, annoncé dès le début du 20è siècle par les peintres romantiques (Delacroix) et les pré-impressionnistes a été un facteur tout à fait remarquable de renouvellement des formes esthétiques dans la peinture européenne.
Sa caractéristique essentielle est certainement sa volonté d’invention, de changement qui s’exprime en peinture, dans l’emploi des couleurs, dans la recherche d’un nouveau dessin, dans la diversité des thèmes abordés. On peut dire que la civilisation européenne se distingue d’autres grandes civilisations par cette recherche constante, à l’échelle des siècles, de l’innovation. Cela n’a pas été le cas par exemple des civilisations islamiques ou chinoises dont les valeurs ont infiniment plus accordé la priorité à la pérennité et au maintien des traditions. Une fois encore on constate que l’art est un révélateur des valeurs qui animent les sociétés.

Les techniques utilisées par les peintres européens, au cours du 19è siècle, pour créer un art nouveau sont multiples, sauf omission, on peut les recenser ainsi :
1°"La Peinture Plate": par exemple avec Manet, plus tard Gauguin, Maurice Denis, Raoul Dufy, les Nabis… Cette technique réduit ou supprime les volumes et la perspective et privilégie les lignes. Le peintre ne s’efforce plus de rendre le monde en trois dimensions, comme il l’a fait pendant des siècles. Le peintre propose une vision du monde qui accepte la planéité du tableau. L’artiste peint en deux dimensions. C’est un retour à une esthétique qui était celle de la peinture Byzantine, Romane et Gothique. Avec d’autres thèmes évidemment, puisque une des caractéristiques de l’art moderne est la raréfaction des motifs religieux, ou inspirés par l’antiquité grecque et romaine.
2° La décomposition de la lumière et des couleurs, en taches et en points."Le Tachisme". Les Préimpressionnistes (Ecole de Barbizon, Corot) Les Impressionnistes. Les Pointillistes (Seurat, Signac)
3° Les couleurs arbitraires ou symboliques. L’artiste s’écarte des couleurs "réelles", celles perçues par l’oeil et le cerveau humain, et invente des couleurs apparemment arbitraires: Gauguin, les Fauves, le symbolisme, le surréalisme … C’est une technique que la peinture romane et gothique avaient mis en pratique très régulièrement.
4° La valorisation de l’Esquisse. L’esquisse a été pendant des siècles, seulement, ce que son nom indique : une Etude préparatoire à un tableau définitif. Au 19è l’esquisse devient un procédé définitif, terminal, d’expression artistique.
5° La décomposition de l’espace et des volumes du monde réel, en lignes et surfaces, plus ou moins synthétiques et significatives. (Cézanne, Braque).
6° La "multiplicité des points de vue" sur un objet ou un sujet. Technique qui cherche à rendre le réel comme si on le regardait, en même temps, depuis plusieurs points de l’espace. (Les Cubistes)

L’Art a toujours été, une manière de rêver le monde réel. Mais les nouvelles techniques de l’Art Moderne, s’éloignent toutes, de manière très intentionnelle, volontariste, de la représentation exacte du réel.
Les peintres tendent à créer un art dans lequel l’interprétation du réel l’emporte sur sa reproduction.
L’artiste "moderne" reproduit le réel, mais aussi le rêve et l’invente. Ces tendances ont abouti à l’art non figuratif, autrement appelé l’art abstrait.
Ce renouvellement des formes en peinture est total.
Il a apporté de nouvelles possibilités, très intéressantes, et très belles, d’expression artistique.

Il ne faut pas confondre Art Moderne et Art Contemporain. Ils ne recouvrent pas la même période. Ils n’ont pas les mêmes caractéristiques esthétiques ni les mêmes fondements idéologiques.
L’Art Moderne recouvre une période qui va depuis les pré-impressionnistes, vers 1850-60, jusqu’à la seconde guerre mondiale. C’est du moins la périodisation la plus couramment acceptée par les historiens de l’art.
D’autres historiens le font débuter un peu plus tardivement avec les post-impressionnistes et l’art abstrait, vers 1900. La définition la plus large est certainement la meilleure car les impressionnistes sont des artistes pleinement "modernes". On peut même penser que l’Art Moderne débute dès 1815, avec certains peintres romantiques comme le français Eugène Delacroix, ou avec William Turner, fantastique novateur, annonciateur de l’impressionnisme et de l’art non figuratif, qui meurt en 1853.
Ces deux artistes ont fait de l’esquisse un moyen d’expression artistique privilégié.
Les peintres de cette époque sont déjà profondément inspirés par la volonté d’innovation qui caractérise l’Art Moderne. La période de l’Art Moderne, extrêmement dynamique, est d’autre part, autre caractéristique majeure, riche de diversité. Elle s’inscrit tout à fait dans l’histoire de l’art européen. Elle ne renie pas le passé, l’art académique est tout à fait pratiqué, mais elle est aussi remarquablement créatrice d’oeuvres multiples, inventive de formes tout à fait nouvelles d’expression esthétique.
.
L’Art Contemporain est postérieur à 1945. Certains fixent sa naissance dans les années 1950. On peut aussi prétendre, avec quelques raisons, que sa date de naissance, en tout cas idéologique et politique, est la création à New York du Moma par les Rockefeller (1929). Les dates sont bien sûr approximatives et certains peintres comme Picasso ou Miro appartiennent à l’esprit de l’Art Moderne, alors qu’ils restent très créatifs après 1945.
En peinture et en sculpture, la diversité fait alors place à une profonde uniformité dissimulée derrière les apparences de l’innovation et même de la provocation. L’explosion d’originalité et de non conformisme qui caractérise l’Art Moderne devient un Système qui se fige dans l’idéologiquement et l’esthétiquement correct. Contrairement à ce qu’il prétend être l’Art Contemporain, officiel, celui qui est installé dans les collections permanentes des musées, est un art figé, académique, épuisé par un système et une obsession : le Nouveau. C’est l’Art de la Table Rase du Passé : un art sans racines, réservé à une élite de prétendus "Comprenants".

MODERN ART: THE RENEWAL OF FORMS
Modern Art, announced from the beginning of the 20th century by the romantic painters (Delacroix) and pre-impressionists has been a factor quite remarkable renewal of aesthetic forms in European painting. Its essential characteristic is certainly his invention will, his desire for change, expressed in painting, in the use of colors, in the search for a new design, in the diversity of topics. It can be said that European civilization differs from other great civilizations through the constant research, on the scale of centuries, of innovation. This was not the case for example of Islamic and Chinese civilizations whose values have infinitely more given priority to the sustainability and the maintenance of traditions. Once again we see that art is a developer of the values that drive the societies.

The techniques used by European painters during the 19th century to create a new art, are many. Except omission, and we can enumerate:
1° "The Flat Painting", for example with Manet, Gauguin, Maurice Denis, the Nabis … This technique reduces or removes volumes and perspective and focuses on lines. The painter no longer tries to represent the world in three dimensions, as he has done for centuries. The painter proposes a vision of the world that accepts the flatness of the table. The artist paints in two dimensions. She returned to an aesthetic that was practiced by the Byzantine painting, Roman and Gothic. With other themes obviously, since one of the features of modern art is the increasing scarcity of religious motives or inspired by Greek and Roman antiquity.
2° The decomposition of light and colors with spots and dots. "The Tachism". The Pre-Impressionists, the Barbizon School, Corot, The Impressionists. the Pointillist (Seurat, Signac)
3° The arbitrary and symbolic colors. The artist moves away of the colors "real", those perceived by the eye and the human brain, and invents arbitrary colors: Gauguin, the Fauves, symbolism, surrealism … It is a technique that painting Romanesque and Gothic had practiced regularly.
4° The valorization of the Sketch. The sketch was, for centuries, only what its name indicates: a preparatory study for a final painting. In the 19th the sketch becomes a permanent process, terminal, completed, of artistic expression.
5° . The decomposition of space and volumes of the real world into lines and surfaces, more or less synthetic and significant. (Cézanne, Braque).
6° The "multiplicity of perspectives" on an object. Technique that seeks to make the real, as if you looked at him, at the same time, from several points of space. (The Cubist)

Art has always been a way to dream the real world. But news techniques of Modern Art, are moving away from, a manner very intentional, voluntarist, of the exact representation of reality.
The painters tend to create an art in which the interpretation of reality prevails over its reproduction.
The "modern" artist reproduces reality, but also the dream and invents it. These tendencies have led to non-figurative art, otherwise known as abstract art.
This renewal forms in painting is total.
It has brought new opportunities, exciting, and beautiful, artistic expression.

It must not confuse Modern and Contemporary Art. They do not cover the same period. They do not have the same aesthetic characteristics or the same ideological foundations.
The Modern Art covers a period that goes from pre-Impressionists, to 1850 to 1860, until the Second World War. This is at least the periodization most commonly accepted by art historians.
Other historians begin Modern Art a little later with the post-impressionist and abstract art, circa 1900. The broadest definition is certainly the best because Impressionist artists are fully "modern".

One may even think that Modern Art begins in 1815, with some romantic painters such as Eugène Delacroix, or William Turner, innovative fantastic, annunciator of the impressionism and non-figurative art, who died in 1853.
These two artists have made with the sketch a privileged means of artistic expression.
The painters of this period are already deeply inspired by the desire for innovation that characterizes modern art. The period of Modern Art, extremely dynamic, is the other, another major feature rich diversity. It fits perfectly in the history of European art. She does not repudiate the past, academic art is quite practiced, but it is also remarkably creative multiple works, inventive forms entirely new of aesthetic expression.

The Contemporary Art is subsequent to 1945. Some historians establish its birth in the 1950s.
One can also argue, with some reason, that his date of birth in any ideological and political cases, is the creation of the Moma in New York, by the Rockefeller (1929). The dates are of course approximate and certain painters like Picasso or Miro belong to the spirit of the Modern Art, while they remain very creative after 1945.
In painting and sculpture, diversity gives way to a profound uniformity dissimulated behind the appearances of innovation. The explosion of originality and non-conformism that characterizes Modern Art becomes a system that freezes in the ideologically and the aesthetically correct.

In painting and sculpture, diversity gives way to a deep uniformity, hidden behind the appearances of innovation and even of the provocation. The explosion of originality and non-conformism that characterizes modern art becomes a system that freezes in the ideologically and aesthetically correct. Contrary to what he claims to be, contemporary art, official, one installed in the permanent collections of museums, is a static, academic, exhausted by a system and an obsession: the New. This is the Art of the Table Rase of the Past of Europa : an art without roots, for the elite, so-called "comprenants".

IMG_9104l Salomon van Ruysdael. 1600-1670. Haarlem et Amsterdam. Scène de rivière. River Scene. 1632. Londres. National Gallery.
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Image by jean louis mazieres
Salomon van Ruysdael. 1600-1670. Haarlem et Amsterdam. Scène de rivière. River Scene. 1632. Londres. National Gallery.

RENAISSANCE ET REFORME

La peinture est toujours le reflet des idéologies qui gouvernent une société.
La "Renaissance" n’a jamais été une renaissance technique, économique ou politique de l’Europe. Cette renaissance s’est déroulée au 11è siècle, pas au 15è ou 16è. Il n’y a pas eu non plus de renaissance de l’art européen au 15è ou au 16è siècle. Car l’architecture de Brunelleschi ou d’Alberti n’est pas supérieure, techniquement, à l’architecture gothique. Et la peinture de Raphael n’est pas plus belle que celle de Giotto ou de Van Eyck. Elle est seulement plus réaliste. Et cette évolution vers plus de réalisme est progressive, et commence dès le début du 14è siècle.
Par contre à la fin du 15è siècle et au 16è siècle, en Italie, il s’est produit un changement idéologique important : le recul du catholicisme en tant qu’idéologie unique, absolument dominante en Europe. Et l’apparition, au sein de l’élite européenne, pas dans le peuple, d’une nouvelle idéologie concurrente : l’Humanisme. L’humanisme est un courant culturel européen, renouant avec la civilisation gréco-romaine, trouvant ses origines en Italie, principalement autour de la Toscane, qui s’est développé aux 15è et 16è siècles.
Aux 15è et 16è siècles l’art européen ne met pas en place soudainement de nouvelles techniques, plus perfectionnées, plus élaborées, plus savantes que celles précédentes (gothiques).
Par contre, c’est dans l’espace de quelques dizaines d’années, autour de 1450-1500 que l’Art européen s’inspire de nouveaux thèmes, empruntés à la mythologie, à la philosophie, à la morale et à l’histoire gréco-romaine. Nouveaux thèmes qui ne remplacent pas les anciens empruntés au christianisme, mais s’ajoutent à eux.
L’Art européen développe alors une culture et une esthétique inspirées de l’Antiquité qui entre en concurrence avec la religion catholique.

Une évolution semblable se déroule en Europe, à la fin du 16è siècle et au début du 17è siècle : la Réforme. La Réforme n’est d’ailleurs qu’une suite idéologique de la Renaissance, qui affecte un plus grand nombre de personnes en Europe. Les élites concernées ne sont plus seulement quelques princes, mais aussi des cercles grands bourgeois.
La Réforme comme la Renaissance est essentiellement un mouvement idéologique. Ce changement idéologique est inspiré par une toute petite élite, qui a ensuite imposé aux peuples qu’elle gouvernaient, ses croyances. C’est le principe bien connu : "Tel prince, telle religion". Que le prince soit, parfois, un groupe de bourgeois, comme à Genève ou aux Pays Bas, ne change rien à l’affaire.
En art le changement est considérable. Il se manifeste tout particulièrement aux Pays Bas du Nord: la quasi disparition des thèmes religieux en peinture. C’est la naissance d’une peinture matérialiste, dont les thèmes, presque uniques, sont : le paysage, les moeurs, la nature morte, le portrait.
Des peintres comme Aertsen et Beuckelaer vivent à une époque de transition : leurs tableaux contiennent encore des allusions à la religion, mais reléguées au fond du tableau.
Et bientôt, hormis quelques exceptions comme Rembrandt, la peinture du siècle d’Or néerlandais sera totalement profane. Les Vierges disparaissent et les Usuriers apparaissent.

RENAISSANCE AND REFORM

Painting is always a reflection of the ideologies that govern a society.
The "Renaissance" has never been a renaissance technical, economic, or political of Europe. This revival took place in the 11th century, not in the 15th or 16th. There’s been no revival of European art in the 15th or 16th century. Because the architecture of Brunelleschi and Alberti is not superior, technically, compared with Gothic architecture. And painting of Raphael is not more beautiful than the painting of Giotto, or "primitive" Jan van Eyck. It is just more realistic. And this evolution towards more realism is gradual, and starts from the beginning of the 14th century.
By cons, in the late 15th century and the 16th century, in Italy, an major ideological shift has occured: the decline of Catholicism as the sole ideology, absolutely dominant in Europe. And the appearance in Europe’s elite, not among the people, of a new rival ideology: Humanism. Humanism is a European cultural movement, reconnecting with the Greco-Roman civilization, finding its origins in Italy, mainly around Tuscany, which developed in the 15th and 16th centuries.
In the 15th and 16th centuries, European art does not suddenly in place new techniques. More advanced, more sophisticated, more knowledgeable than previous (Gothic).
By cons, it is in the space of a few decades, around 1450-1500, that the European Art draws new themes, borrowed from mythology, philosophy, morality and the Greco-Roman history. New themes that do not replace the olds, borrowed from Christianity, but in addition to them.
The European Art then develops a culture and an aesthetic inspired by antiquity, which competes with the Catholic religion.

A similar development is taking place in Europe in the late 16th century and early 17th century: the Reformation. The Reform is also an ideological suite of the Renaissance, which affects more people in Europe. The concerned elites, are not just princes, but also circles of upper middle class.
Reform, as the Renaissance, is essentially an ideological movement. This ideological shift is inspired by a tiny elite, who then imposed his beliefs on peoples. This is the well-known principle: "That prince, such a religion." The prince is sometimes a bourgeois party, as in Geneva or the Netherlands.
In art the change is significant. He is particularly evident in the Netherlands North: the virtual disappearance of religious themes in painting. This is the birth of a materialistic painting, whose themes, almost unique, are: The landscape, the manners (mores), the still life, portrait.
Painters like Aertsen and Beuckelaer live in a time of transition: their tables still contain references to religion, but relegated to the bottom of the table.
And soon, with some exceptions like Rembrandt, the painting of the Dutch Golden Century will be totally secular. The Virgin disappeared, and the Loan sharks (usurers) appear (Reymerswaele)

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

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

Upon talking about attending this BAILOUT protest, a Native American associate of mine mentioned that somewhere near the location of the NY Stock Exchange – on Wall Street – was the site for a bloody battle between Native tribes and American invaders. I thought this to be rather profound and rather apropos, considering, well, everything!

After some research, I could not find that this exact location was THE LOCATION, but discovered the following information from the www.hmbd.org website:

"Sankofa" —> African Burial Ground National Monument
Inscription. [On the marker is the Adinkra symbol "Sankofa," a symbol for the importance of learning from the past]

"For all those who were lost,
For all those who were stolen,
For all those who were left behind,
For all those who were not forgotten."

*Erected 2007 by National Park Service, U.S. Department of the Interior.*

Location. 40° 42.864′ N, 74° 0.267′ W. Marker is in New York City, New York, in New York County. Marker is on Federal Plaza/Duane Street 0.04 miles west of African Burial Ground Way/Elk Street, on the right when traveling east. Click for map. Marker inscriptions are part of the African Burial Ground Memorial designed by Rodney Leon and are accessible to pedestrians on the eastern grounds of the Ted Weiss Federal Building (290 Broadway) off Federal Plaza/Duane Street. Marker is in this post office area: New York NY 10007, United States of America.

Other nearby markers. At least 8 other markers are within walking distance of this marker. Richard Montgomery (approx. 0.3 miles away); Remains of Maj. Gen. Richard Montgomery (approx. 0.3 miles away); St. Paul’s Chapel (approx. 0.3 miles away); 100 Year-Old Sycamore (approx. 0.3 miles away); Americans of Chinese Ancestry (approx. 0.3 miles away); Lin Ze Xu (approx. 0.3 miles away); Men who died whilst imprisoned in this City (approx. 0.6 miles away); Ohio Company of Associates (approx. 0.6 miles away).

If anyone has any information regarding the battle to which my friend spoke, I’d love to hear about it. In the meantime, I might just have to ask again!

—————————————————————————————————————————-

Friends,

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

—————————————————–

UPDATE: THE PEOPLE HAVE VOTED! A HISTORIC MOMENT: NOVEMBER 4th 2008!

——> THE Historic ELECTION <——

"A work in PROGRESS."

Nov. 4th, 2008.

A great American leader once said, "As individual fingers We can be easily broken. But TOGETHER We make a mighty fist." These words too were spoken by a minority leader. He was the venerable Chief Sitting Bull. No, Barack Obama’s not the first American minority to speak eloquently and he most certainly won’t be the last. Though, in the end, this election wasn’t even close !!! The world watched as, "YES WE CAN!" turned into, "YES WE DID!" as it now ushers in, "YES WE MUST!" time is NOW!

What WE do with this moment shall define US, forthright. America has now elected a man with a background of partial African – American descent as President elect. A new leader with roots from Kenya to Kansas (with a step-father from Indonesia), will be working in conjunction with a vice-Presidential of Anglo-European roots. This is something in which citizens of ALL races – both here and the world ’round – have loudly REJOICED. Why talk about race? Is race important? You bet! Because – like it or not – race has dominated and governed Our daily lives for thousands of years. After all: "To know where We’re going, We must first know where We’ve been".

We’ve come a LONG Way baby! What was once "acceptable" in 1965 is no longer in 2008 and THANKFULLY.

This is a changing of the guard. Especially since forty-percent of America’s population is considered to be a "minority". Only four generations removed, the repression of African slaves by Anglo Saxons caused hundreds of thousands of brothers to kill brothers in a viscous and bloody battle that changed the fundamental principals of this Constitutional Republic from rhetoric to reality. This too was a significant changing of the guard.

For the first time in the history of the country, the ancestors of these very same people who so passionately fought for slavery have now OVERWHELMINGLY voted for a minority leader. This too ushers in a new chapter in the history of America. This is a tremendous nod to those great American leaders before Us who risked everything so that We find ourselves at this precise moment in time. We must give thanks to these men and women who both tirelessly and unselfishly gave their lives to cross and to help shatter the racial, sexual and social boundaries imbued in the history of the United States of America.

It has now taken place. There’s a palpable renewed sense of HOPE for a better tomorrow – a HOPE that these same crippling boundaries shall finally once and for all be erased. Yet it is wise to also remember the adage, "Actions speak louder than words" and Our rhetoric must now be turned into action. The ability to truly rise above differences and to not just speak of doing so, tells much of Our long and continuous journey. If We remember the old North American Indian saying, "We do not inherit the earth from our ancestors, we borrow it from our children." We might just have a fighting chance.

The People have spoken! A record-setting 130 million Americans’ turned out to vote in Tuesday’s election, in which Barack Obama made history on a Democratic tidal wave of victory. Polling suggests voters came out in record numbers because of growing concerns over the economy, jobs, health care, energy, and the war in Iraq.

Clearly, the Obama administration and the new Democratic majority in Washington have a chance to make profound changes in Our lives – stretching ­from Wall Street to Main Street. Yes, this moment shows decency about human possibility and let’s face it, We could use just a little decency RIGHT NOW.

Perhaps more importantly, this moment speaks volumes as it’s an utter rejection of the right’s politics of fear and greed? It will now be decades before there’s another Republican majority in Congress. Never have the words, "Ask not what Your country can do for You, but what You can do for Your country," seemed more true for SO MANY. For, We-Are-Our-country. And We’re at a MAJOR crossroads. Where, oh where to begin?

OBAMA / BIDEN Campaign.

Here in New York, Working Families voters, members, affiliates, supporters and chapter leaders poured everything they had into critical campaigns that proved successful. Many are now understandably exhausted – though more than a little proud of what was accomplished. And, the results were terrific ~ if not downright Historic. For the first time since the mid-1930, the State Senate will NO LONGER be controlled by Republicans. It’s now in the hands of a Democratic Working Families majority! Just-take-one-moment-and-soak-this-in. MASSIVE Democratic majorities in BOTH the HOUSE and the SENATE!

Together, the W.F.P built a solid partnership with Senate Democrats, knocking on more than half a million doors for progressive CHANGE. And, in the end, "We the People" overwhelmingly responded. This is a MILESTONE. There’s now a renewed sense of real HOPE resonating from Washington, indeed, around the world. This is powerful. Because, without HOPE, there’s simply nothing to gain.

However, We must be careful not to fall prey to disillusionment. If illusions tear People asunder, then disillusion outright kills the human spirit. In other words, divided THEY conquer, united, WE stand. That this historic moment was ushered in during Native American Indian month is apropos. Because, We must not forget the very real foundations of this idealistic country and pay homage to the 500 plus year struggle of Our First Peoples’ for the basic rights afforded them in Our own Constitution. Obama’s victory is indeed a victory representing the multitudes. It is precisely because his success mirrors the masses, rather than a few wealthy, power-elite that this is so electrifying. A VERY palpable, "Finally!" was the expression heard ’round the world.

The world woke up WEDNESDAY with the real possibility of a very RARE OPPORTUNITY – the best in most Our lifetimes. This is a chance to truly transform America.

But, We mustn’t forget the VERY hard realities existing in this country. Just ask any woman…any "person of color"…or, any First Peoples living in this "great" land. For, as long as Native American Indians in Our country still live in policies of containment on reservations without the very basics, such as running water, electricity, or heat… as long as more than 75% of the prison population includes African-Americans, First and Taino Peoples …as long as We continue to allow Our tax dollars spent to be three times more for each of these prisoners per head than on Our own school childrens’ education…as long as American women continue to earn less than men for the SAME work…as long as We allow privately held corporations to exist without extreme MAJOR reform…as long as We continue to allow Our children to trample on foreign soil to kill and to be killed in "Our" names…as long as We sit idly by expecting or content to let others to "Do the right thing," for us… as long as We DON’T ACTIVELY PARTICIPATE TOGETHER in challenging and fighting for OUR OWN WELL-BEING for the betterment of future generations… as long as We choose to remain ignorant and in denial to Our faults…TRUE CHANGE can, and will NEVER HAPPEN.

Though, like anything rare and unique, We must first take proper time to Honor…to give thanks to those before us who, without their dedication and sacrifice, made this moment possible. We must come together. Immediate formulation and a real plan to guard and to protect this moment with fierce determination is required. New leaders are needed and will emerge so We ensure moments like this become the norm, rather than a mere token fluke. If We HOPE to transform Tuesday’s results into a real break from the shipwreck of the most immediate last thirty years – We MUST start by realizing this election represents just that – a START. It’s Round One of Our LONG and CONTINUOUS struggle.

And, Round Two will be just as tough, if not more so. Staying the course can easily be forgotten when People are dying from inadequate health care; when they’ve found themselves on the streets for lack of shelter and as they grow ever more desperate due to lack of job opportunities. Just ask people of Native or African American descent. Or, one of Our homeless veterans living on America’s streets of plenty.

Yes, the house of cards has fallen HARD and FAST. And, President / V.P. elect Barack Obama and Joe Biden have inherited many seemingly insurmountable challenges. REAL CHANGE – not rhetoric – is what’s needed. And to get it, We MUST demand it. We MUST march and be watchdogs for the sake of the coming generations. Communication with Our politicians is a MUST. MOST importantly, We MUST stand TOGETHER and be willing to fight to protect what is right and what is good for the MANY, NOT the FEW.

UNITED We STAND, DIVIDED, We FALL.

A President Obama will need to be simultaneously supported AND pushed. His training as a community organizer gives one confidence that he’ll not only understand, but should also expect this dynamic. It’s imperative for us to mind the trusty, "Follow the money" strategy. Don’t forget, President elect Obama dually made history by raising the most unprecedented amount of campaign dollars in the HISTORY of U.S. Presidential elections. According to CNN, if annualized, the Obama campaign’s ad spending on the post-primary Presidential campaign would come to US0 million. This amount is only exceeded amongst large corporations such as Verizon and AT&T – both heavy sponsors of the Republican AND the Democratic national party conventions.

At the start of October, the Democratic National Committee announced it raised US.9 million with US.5 million sitting in the bank. The party raised money through joint fund-raising events with Obama and was able to use that money to assist his candidacy. These numbers were only possible because he opted out of the public financing system for the fall campaign. John McCain chose to participate in the system, which limited him to US million for the September / October stretch prior to the election. After initially promising to accept public financing if McCain did, Obama changed his mind after setting primary fund-raising records. In fact, by the time the primaries hit, Obama was raising as much as US million each and every day. The Obama / Biden campaign raised more than US0 million in September alone – a stunning and unprecedented eruption of political giving. This extraordinary fund-raising is bound to set a new standard in politics that could doom the current taxpayer-paid system set up in the 1970’s.

HOPEfully NOT.

The party presidential nominees – Democrat Barack Obama and Republican John McCain – together spent more than US BILLION, also an unprecedented figure. According to White House for Sale, a nonpartisan group that tracks political giving, Obama had 605 bundlers, or donors who collect money from friends and associates and bundle them together. Four years ago, Democrat John F. Kerry had 588 bundlers and, in 2000, Al Gore had none. McCain had 851 bundlers working for his campaign, compared to 557 who raised money for the Bush-Cheney re-election committee in 2004. George W. Bush is largely credited with institutionalizing the role of bundlers in 2000, when he recruited a then unprecedented 555 surrogate fundraisers.

Ask Yourselves: Who really benefits most from having donated to the Obama / Biden campaign?

President – elect Barack Obama & John McCain’s U.S. Presidential campaign funds details:

OBAMA:
Total:US0,767,963
Bundlers:605
LobbyistBundlers:17

MCCAIN:
Total: US2,525,058
Bundlers: 851
Lobbyist Bundlers: 77

See the Center for Responsive Politics Presidential campaign monies for a better perspective:

2008: Obama AND McCain – US.3 BILLION

(Obama: US0,767,963 million / McCain: US2,525,058 million)

2004: Bush AND Kerry – US.2 BILLION

2000: Gore AND Bush – US.56 MILLION

1996: Dole AND Clinton – US.82 MILLION

1992: Clinton AND Bush – US.24 MILLION

* TO SEARCH FOR MEGA-DONERS, CLICK here: www.whitehouseforsale.org/searchDonor.cfm?CandidateSelect… McCain&StateSelect=&SortOrder=Last_Name, First_Name, Middle_Name, Suffix.*

Democrats in Washington and will be under enormous pressure to "play it safe", even as everyone knows We need bold action and some kind of new, New Deal. And, if We allow the "play-it-safe" crowd to dominate, then Obama (and We) will not succeed. Make NO mistake: the corporate big-wigs and free-market fundamentalists see this for exactly what it is: THE FIGHT OF A LIFETIME. They want nothing more than for the Democrats to disappoint, because then the HOPEfulness that Obama represents can be stuffed back in the bottle and cynicism can once again regain its place in Our national political culture.

WE Can’t Let This Happen!

Whether it’s revamping our health care system…implementing a new fair-based trade policy…creating a sound, realistic and well thought-out immigration plan…jobs programs…organizing rights in Washington, or campaign election reform, family leave or fair taxes, this election has set the stage for an ENTIRELY NEW social contract between the government and the People. This election opens up a real possibility – small, but real – that We could make genuine progress as a society, in terms of equality and freedom and true sustainability. In other words, the democracy We preach, but don’t teach. What comes next is up to US. And, We need to seriously ready OURSELVES.

In short, the real meaning of this election hasn’t yet been decided.

Overall, there’s a lot of work to do. It’s imperative that EVERYONE do his share – whether this means attending a neighborhood or union meeting, signing a petition, organizing or riding a bus to a demonstration, going on a lobby visit, making a financial contribution, or just talking to a stranger about the need and desirability of the common good.

Thanks for all you do!
Live your values. Love your country.
And, remember: TOGETHER, We can make a D-I-F-F-E-R-E-N-C-E !

Caught by Scahill.
bad credit auto loans
Image by eyewashdesign: A. Golden
New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008

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

I swear, Jeremy probably thinks I’m stalking him. As a matter of fact, it feels like every time I’m photographing, or attending a lecture, there pops up Jeremy Scahill. Admittedly, I do have a bit of a crush. OK, a BIG CRUSH. What’s NOT to love? Intelligent, good-looking, well-spoken, hard-working, a HUSTLER, an injustice investigator, a Puffin Foundation Writing Fellow at The Nation Institute, an accomplished writer. Perhaps I am stalking him, because every New York female knows a good man HERE is HARD to find. We simply take the hard portion of the latter when we can and consider ourselves fortunate. Hahaha! If anyone happens to be zero degrees of separation from Mr. Scahill, please let him know he has an blushing admirer!

For more information on Scahill:

en.wikipedia.org/wiki/Jeremy_Scahill
blackwaterbook.com/
www.thenation.com/directory/bios/jeremy_scahill

Friends,

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

—————————————————–

UPDATE: THE PEOPLE HAVE VOTED! A HISTORIC MOMENT: NOVEMBER 4th 2008!

——> THE Historic ELECTION <——

"A work in PROGRESS."

Nov. 4th, 2008.

A great American leader once said, "As individual fingers We can be easily broken. But TOGETHER We make a mighty fist." These words too were spoken by a minority leader. He was the venerable Chief Sitting Bull. No, Barack Obama’s not the first American minority to speak eloquently and he most certainly won’t be the last. Though, in the end, this election wasn’t even close !!! The world watched as, "YES WE CAN!" turned into, "YES WE DID!" as it now ushers in, "YES WE MUST!" time is NOW!

What WE do with this moment shall define US, forthright. America has now elected a man with a background of partial African – American descent as President elect. A new leader with roots from Kenya to Kansas (with a step-father from Indonesia), will be working in conjunction with a vice-Presidential of Anglo-European roots. This is something in which citizens of ALL races – both here and the world ’round – have loudly REJOICED. Why talk about race? Is race important? You bet! Because – like it or not – race has dominated and governed Our daily lives for thousands of years. After all: "To know where We’re going, We must first know where We’ve been".

We’ve come a LONG Way baby! What was once "acceptable" in 1965 is no longer in 2008 and THANKFULLY.

This is a changing of the guard. Especially since forty-percent of America’s population is considered to be a "minority". Only four generations removed, the repression of African slaves by Anglo Saxons caused hundreds of thousands of brothers to kill brothers in a viscous and bloody battle that changed the fundamental principals of this Constitutional Republic from rhetoric to reality. This too was a significant changing of the guard.

For the first time in the history of the country, the ancestors of these very same people who so passionately fought for slavery have now OVERWHELMINGLY voted for a minority leader. This too ushers in a new chapter in the history of America. This is a tremendous nod to those great American leaders before Us who risked everything so that We find ourselves at this precise moment in time. We must give thanks to these men and women who both tirelessly and unselfishly gave their lives to cross and to help shatter the racial, sexual and social boundaries imbued in the history of the United States of America.

It has now taken place. There’s a palpable renewed sense of HOPE for a better tomorrow – a HOPE that these same crippling boundaries shall finally once and for all be erased. Yet it is wise to also remember the adage, "Actions speak louder than words" and Our rhetoric must now be turned into action. The ability to truly rise above differences and to not just speak of doing so, tells much of Our long and continuous journey. If We remember the old North American Indian saying, "We do not inherit the earth from our ancestors, we borrow it from our children." We might just have a fighting chance.

The People have spoken! A record-setting 130 million Americans’ turned out to vote in Tuesday’s election, in which Barack Obama made history on a Democratic tidal wave of victory. Polling suggests voters came out in record numbers because of growing concerns over the economy, jobs, health care, energy, and the war in Iraq.

Clearly, the Obama administration and the new Democratic majority in Washington have a chance to make profound changes in Our lives – stretching ­from Wall Street to Main Street. Yes, this moment shows decency about human possibility and let’s face it, We could use just a little decency RIGHT NOW.

Perhaps more importantly, this moment speaks volumes as it’s an utter rejection of the right’s politics of fear and greed? It will now be decades before there’s another Republican majority in Congress. Never have the words, "Ask not what Your country can do for You, but what You can do for Your country," seemed more true for SO MANY. For, We-Are-Our-country. And We’re at a MAJOR crossroads. Where, oh where to begin?

OBAMA / BIDEN Campaign.

Here in New York, Working Families voters, members, affiliates, supporters and chapter leaders poured everything they had into critical campaigns that proved successful. Many are now understandably exhausted – though more than a little proud of what was accomplished. And, the results were terrific ~ if not downright Historic. For the first time since the mid-1930, the State Senate will NO LONGER be controlled by Republicans. It’s now in the hands of a Democratic Working Families majority! Just-take-one-moment-and-soak-this-in. MASSIVE Democratic majorities in BOTH the HOUSE and the SENATE!

Together, the W.F.P built a solid partnership with Senate Democrats, knocking on more than half a million doors for progressive CHANGE. And, in the end, "We the People" overwhelmingly responded. This is a MILESTONE. There’s now a renewed sense of real HOPE resonating from Washington, indeed, around the world. This is powerful. Because, without HOPE, there’s simply nothing to gain.

However, We must be careful not to fall prey to disillusionment. If illusions tear People asunder, then disillusion outright kills the human spirit. In other words, divided THEY conquer, united, WE stand. That this historic moment was ushered in during Native American Indian month is apropos. Because, We must not forget the very real foundations of this idealistic country and pay homage to the 500 plus year struggle of Our First Peoples’ for the basic rights afforded them in Our own Constitution. Obama’s victory is indeed a victory representing the multitudes. It is precisely because his success mirrors the masses, rather than a few wealthy, power-elite that this is so electrifying. A VERY palpable, "Finally!" was the expression heard ’round the world.

The world woke up WEDNESDAY with the real possibility of a very RARE OPPORTUNITY – the best in most Our lifetimes. This is a chance to truly transform America.

But, We mustn’t forget the VERY hard realities existing in this country. Just ask any woman…any "person of color"…or, any First Peoples living in this "great" land. For, as long as Native American Indians in Our country still live in policies of containment on reservations without the very basics, such as running water, electricity, or heat… as long as more than 75% of the prison population includes African-Americans, First and Taino Peoples …as long as We continue to allow Our tax dollars spent to be three times more for each of these prisoners per head than on Our own school childrens’ education…as long as American women continue to earn less than men for the SAME work…as long as We allow privately held corporations to exist without extreme MAJOR reform…as long as We continue to allow Our children to trample on foreign soil to kill and to be killed in "Our" names…as long as We sit idly by expecting or content to let others to "Do the right thing," for us… as long as We DON’T ACTIVELY PARTICIPATE TOGETHER in challenging and fighting for OUR OWN WELL-BEING for the betterment of future generations… as long as We choose to remain ignorant and in denial to Our faults…TRUE CHANGE can, and will NEVER HAPPEN.

Though, like anything rare and unique, We must first take proper time to Honor…to give thanks to those before us who, without their dedication and sacrifice, made this moment possible. We must come together. Immediate formulation and a real plan to guard and to protect this moment with fierce determination is required. New leaders are needed and will emerge so We ensure moments like this become the norm, rather than a mere token fluke. If We HOPE to transform Tuesday’s results into a real break from the shipwreck of the most immediate last thirty years – We MUST start by realizing this election represents just that – a START. It’s Round One of Our LONG and CONTINUOUS struggle.

And, Round Two will be just as tough, if not more so. Staying the course can easily be forgotten when People are dying from inadequate health care; when they’ve found themselves on the streets for lack of shelter and as they grow ever more desperate due to lack of job opportunities. Just ask people of Native or African American descent. Or, one of Our homeless veterans living on America’s streets of plenty.

Yes, the house of cards has fallen HARD and FAST. And, President / V.P. elect Barack Obama and Joe Biden have inherited many seemingly insurmountable challenges. REAL CHANGE – not rhetoric – is what’s needed. And to get it, We MUST demand it. We MUST march and be watchdogs for the sake of the coming generations. Communication with Our politicians is a MUST. MOST importantly, We MUST stand TOGETHER and be willing to fight to protect what is right and what is good for the MANY, NOT the FEW.

UNITED We STAND, DIVIDED, We FALL.

A President Obama will need to be simultaneously supported AND pushed. His training as a community organizer gives one confidence that he’ll not only understand, but should also expect this dynamic. It’s imperative for us to mind the trusty, "Follow the money" strategy. Don’t forget, President elect Obama dually made history by raising the most unprecedented amount of campaign dollars in the HISTORY of U.S. Presidential elections. According to CNN, if annualized, the Obama campaign’s ad spending on the post-primary Presidential campaign would come to US0 million. This amount is only exceeded amongst large corporations such as Verizon and AT&T – both heavy sponsors of the Republican AND the Democratic national party conventions.

At the start of October, the Democratic National Committee announced it raised US.9 million with US.5 million sitting in the bank. The party raised money through joint fund-raising events with Obama and was able to use that money to assist his candidacy. These numbers were only possible because he opted out of the public financing system for the fall campaign. John McCain chose to participate in the system, which limited him to US million for the September / October stretch prior to the election. After initially promising to accept public financing if McCain did, Obama changed his mind after setting primary fund-raising records. In fact, by the time the primaries hit, Obama was raising as much as US million each and every day. The Obama / Biden campaign raised more than US0 million in September alone – a stunning and unprecedented eruption of political giving. This extraordinary fund-raising is bound to set a new standard in politics that could doom the current taxpayer-paid system set up in the 1970’s.

HOPEfully NOT.

The party presidential nominees – Democrat Barack Obama and Republican John McCain – together spent more than US BILLION, also an unprecedented figure. According to White House for Sale, a nonpartisan group that tracks political giving, Obama had 605 bundlers, or donors who collect money from friends and associates and bundle them together. Four years ago, Democrat John F. Kerry had 588 bundlers and, in 2000, Al Gore had none. McCain had 851 bundlers working for his campaign, compared to 557 who raised money for the Bush-Cheney re-election committee in 2004. George W. Bush is largely credited with institutionalizing the role of bundlers in 2000, when he recruited a then unprecedented 555 surrogate fundraisers.

Ask Yourselves: Who really benefits most from having donated to the Obama / Biden campaign?

President – elect Barack Obama & John McCain’s U.S. Presidential campaign funds details:

OBAMA:
Total:US0,767,963
Bundlers:605
LobbyistBundlers:17

MCCAIN:
Total: US2,525,058
Bundlers: 851
Lobbyist Bundlers: 77

See the Center for Responsive Politics Presidential campaign monies for a better perspective:

2008: Obama AND McCain – US.3 BILLION

(Obama: US0,767,963 million / McCain: US2,525,058 million)

2004: Bush AND Kerry – US.2 BILLION

2000: Gore AND Bush – US.56 MILLION

1996: Dole AND Clinton – US.82 MILLION

1992: Clinton AND Bush – US.24 MILLION

* TO SEARCH FOR MEGA-DONERS, CLICK here: www.whitehouseforsale.org/searchDonor.cfm?CandidateSelect… McCain&StateSelect=&SortOrder=Last_Name, First_Name, Middle_Name, Suffix.*

Democrats in Washington and will be under enormous pressure to "play it safe", even as everyone knows We need bold action and some kind of new, New Deal. And, if We allow the "play-it-safe" crowd to dominate, then Obama (and We) will not succeed. Make NO mistake: the corporate big-wigs and free-market fundamentalists see this for exactly what it is: THE FIGHT OF A LIFETIME. They want nothing more than for the Democrats to disappoint, because then the HOPEfulness that Obama represents can be stuffed back in the bottle and cynicism can once again regain its place in Our national political culture.

WE Can’t Let This Happen!

Whether it’s revamping our health care system…implementing a new fair-based trade policy…creating a sound, realistic and well thought-out immigration plan…jobs programs…organizing rights in Washington, or campaign election reform, family leave or fair taxes, this election has set the stage for an ENTIRELY NEW social contract between the government and the People. This election opens up a real possibility – small, but real – that We could make genuine progress as a society, in terms of equality and freedom and true sustainability. In other words, the democracy We preach, but don’t teach. What comes next is up to US. And, We need to seriously ready OURSELVES.

In short, the real meaning of this election hasn’t yet been decided.

Overall, there’s a lot of work to do. It’s imperative that EVERYONE do his share – whether this means attending a neighborhood or union meeting, signing a petition, organizing or riding a bus to a demonstration, going on a lobby visit, making a financial contribution, or just talking to a stranger about the need and desirability of the common good.

Thanks for all you do!
Live your values. Love your country.
And, remember: TOGETHER, We can make a D-I-F-F-E-R-E-N-C-E !

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Firenze – Un Po Più Vicino View del Duomo da Mia Sorella-in-Legge di Piatto
credit repair
< img alt=" credit rating repair service" src=" https://www.credit-report-online.net/wp-content/uploads/2017/04/27661726150_03b3ed98b4.jpg" width=" 400"/ > Photo by< a href= " http://www.flickr.com/photos/8525214@N06/27661726150" > antonychammond The Cattedrale di Santa Maria del Fiore (Italian pronunciation: [katteˈdraːle di ˈsanta maˈriːa del ˈfjoːre]; in English “” Sanctuary of Saint Mary of the Flowers”” )is the major church of Florence, Italy. Il Duomo di Firenze, as it is generally called, was begun in 1296 in the Gothic design with the layout of Arnolfo di Cambio and also completed structurally in 1436 with the dome syntheticed by Filippo Brunelleschi. The exterior of the basilica is confronted with polychrome marble panels in numerous tones of eco-friendly as well as pink surrounded by white and also has a fancy 19th-century Gothic Resurgence frontage by Emilio De Fabris.

The basilica complex, situated in Piazza del Duomo, consists of the Baptistery as well as Giotto’s Campanile. These three buildings become part of the UNESCO Globe Heritage Website covering the historical centre of Florence and are a significant destination to tourists checking out Tuscany. The basilica is one of Italy’s largest churches, and also until growth of brand-new structural materials in the modern period, the dome was the largest in the globe. It continues to be the largest brick dome ever before built.

The sanctuary is the mother church of the Roman Catholic Archdiocese of Florence, whose archbishop is presently Giuseppe Betori.

Santa Maria del Fiore was constructed on the website of an earlier basilica committed to Saint Reparata. The old structure, started in the very early Fifth century and having actually undergone many repair services, was crumbling with age, according to the 14th-century Nuova Cronica of Giovanni Villani, and also was not large enough to offer the growing populace of the city. Other significant Tuscan cities had embarked on enthusiastic reconstructions of their basilicas throughout the Late Middle ages duration, such as Pisa as well as specifically Siena where the enormous recommended expansions were never ever finished.

Giotto’s bell tower (campanile).

The new church was designed by Arnolfo di Cambio and also approved by city board in 1294. Di Cambio was likewise architect of the church of Santa Croce and the Palazzo Vecchio. He made three large naves ending under the octagonal dome, with the center nave covering the area of Santa Reparata. The first stone was laid on September 9, 1296, by Cardinal Valeriana, the very first papal legate ever sent to Florence. The building of this substantial task was to last 140 years; Arnolfo’s strategy for the eastern end, although preserved in principle, was greatly expanded in dimension.

After Arnolfo died in 1310, work with the cathedral slowed down for thirty years. When the relics of Saint Zenobius were uncovered in 1330 in Santa Reparata, the project gained a brand-new impetus. In 1331, the Arte della Lana, the guild of wool vendors, took over patronage for the construction of the basilica and also in 1334 designated Giotto to look after the job. Helped by Andrea Pisano, Giotto continued di Cambio’s layout. His significant achievement was the building of the campanile. When Giotto died in 1337, Andrea Pisano proceeded the structure up until work was stopped due to the Black Death in 1348.

In 1349, job returned to on the cathedral under a series of designers, starting with Francesco Talenti, who ended up the campanile and also bigger the overall task to consist of the apse and also the side chapels. In 1359, Talenti was done well by Giovanni di Lapo Ghini (1360– 1369) that separated the facility nave in 4 square bays. Other designers were Alberto Arnoldi, Giovanni d’Ambrogio, Neri di Fioravante and also Andrea Orcagna. By 1375, the old church Santa Reparata was pulled down. The nave was completed by 1380, and also by 1418, only the dome remained insufficient.

On 18 August 1418, the Arte della Lana revealed a building style competitors for setting up Neri’s dome. The two primary rivals were 2 master goldsmiths, Lorenzo Ghiberti and also Filippo Brunelleschi, the latter of which was supported by Cosimo de Medici. Ghiberti had actually been the victor of a competitors for a pair of bronze doors for the Baptistery in 1401 as well as long-lasting competition in between both remained sharp. Brunelleschi won as well as got the commission.

Ghiberti, selected coadjutator, drew a salary equal to Brunelleschi’s and, though neither was granted the announced reward of 200 florins, was guaranteed equal credit rating, although he spent the majority of his time on other tasks. When Brunelleschi ended up being ill, or feigned health problem, the job was quickly in the hands of Ghiberti. But Ghiberti soon needed to confess that the entire task was beyond him. In 1423, Brunelleschi was back in cost and also took over sole responsibility.

Job began on the dome in 1420 as well as was completed in 1436. The cathedral was consecrated by Pope Eugene IV on March 25, 1436, (the initial day of the year inning accordance with the Florentine schedule). It was the first ‘octagonal’ dome in background to be built without a temporary wood supporting frame. It was just one of the most remarkable tasks of the Renaissance. During the blessing in 1436, Guillaume Dufay’s motet Nuper rosarum flores was done. The structure of this motet was strongly affected by the structure of the dome.

The decoration of the outside of the cathedral, started in the 14th century, was not finished until 1887, when the polychrome marble façade was completed with the style of Emilio De Fabris. The flooring of the church was communicated in marble ceramic tiles in the 16th century.

The exterior walls are dealt with in alternate vertical and also straight bands of polychrome marble from Carrara (white), Prato (green), Siena (red), Lavenza as well as a couple of other places. These marble bands had to duplicate the currently existing bands on the walls of the earlier surrounding baptistery the Battistero di San Giovanni as well as Giotto’s Bell Tower. There are 2 side doors: the Doors of the Canonici (south side) and also the Door of the Mandorla (north side) with sculptures by Nanni di Banco, Donatello, as well as Jacopo della Quercia. The six side home windows, significant for their fragile tracery and also ornaments, are separated by pilasters. Only the 4 windows closest to the transept admit light; the other two are merely ornamental. The clerestory windows are round, a typical attribute in Italian Gothic.

Throughout its lengthy background, this cathedral has actually been the seat of the Council of Florence (1439), heard the preachings of Girolamo Savonarola and observed the murder of Giuliano di Piero de’ Medici on Sunday, 26 April 1478 (with Lorenzo Il Magnifico barely escaping fatality), in the Pazzi conspiracy theory.

For additional info please check out < a href=" https://en.wikipedia.org/wiki/Piazza_del_Duomo,_Florence" rel=" nofollow" > en.wikipedia.org/wiki/Piazza_del_Duomo,_Florence Florence

(/ ˈflɒrəns/ FLOR-əns; Italian: Firenze [fiˈrɛntse] (listen)) is the capital city of the Italian area of Tuscany and of the Metropolitan City of Florence. It is the most populated city in Tuscany, with around 382,000 residents, increasing to over 1,520,000 in the city.

Florence was a centre of middle ages European profession and money as well as among the most affluent cities of the moment, is thought about the birth place of the Renaissance, and also has been called “” the Athens of the Center Ages””. A turbulent political history consists of periods of policy by the powerful Medici household, and also numerous spiritual and republican changes. From 1865 to 1871 the city was the funding of the just recently established Kingdom of Italy.

The Historic Centre of Florence brings in 13 millions of travelers yearly, as well as Euromonitor International ranked the city as the world’s 89th most checked out in 2012, with 1.8 million site visitors. It was declared a World Heritage Site by UNESCO in 1982. The city is noted for its society, Renaissance art and architecture and also monoliths. The city additionally consists of various museums as well as art galleries, such as the Uffizi Gallery as well as the Palazzo Pitti, and still puts in an influence in the areas of art, society and also politics. As a result of Florence’s artistic as well as building heritage, it has actually been placed by Forbes as one of the most gorgeous cities on the planet.

Florence is an essential city in Italian fashion, being placed in the leading 51 fashion resources of the globe; furthermore, it is a significant national financial centre, as well as a visitor and industrial hub. In 2008, the city had the 17th greatest ordinary income in Italy.

For further details please visit < a href=" https://en.wikipedia.org/wiki/Florence" rel=" nofollow" >

en.wikipedia.org/wiki/Florence The new place for Financial Solutions
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What Credit history is Should Acquire a Cars and truck

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Greater than 90% of cars sold on the marketplace are financed, and also actually, even those with the means to purchase a car in money like to finance their cars and trucks due to the reduced rate of interest and amazing utilize presently readily available in the car market around the USA. While funding an auto might appear attractive, it is an important economic choice that, otherwise made correctly, could hurt your monetary scenario much extra compared to assist it. This is why we chose to put together a standard overview of comprehending just what credit history and variables are needed for you to buy your next high-end or unique auto.

In the dealer world, credit report is extremely various than on the planet of financial. It is important to understand that dealerships deal with automated guidelines and dealers instead compared to bankers, enabling them much a lot more flexibility based upon their connections with particular dealers at specific financial institutions. In various other words, just since one supplier can’t approve you that doesn’t imply another could refrain from doing so with the precise very same bank.

So exactly what do dealerships as well as dealers seek as well as exactly how does this process job?

The majority of dealerships have their own monetary applications on their internet sites or on paper that helps them review your credit report prior to submitting it to financial institutions (using a device called Dealertrack) which permits them to send to numerous banks at the same time once they know your financial situation. Great dealerships are calculated in their approach and only send you to 1 or 2 financial institutions versus unskilled dealers that send you to all banks. An excellent dealership will recognize the guidelines of the banks they submit to, making it very easy to understand in advance what you will certainly get.

So what do financial institutions look for?

Obviously your credit report matters, and also it holds a great deal of weight, but there is likewise the LTV on the vehicle called the Car loan to Value as well as your credit rating (previously funded vehicles as well as your habits).

The malfunction of your rating is as follow:

720+ Rate 1: You have take advantage of as well as get the finest price. It is most likely that you will certainly get the finest rate and term on your vehicle loan.

650– 720 Tier 2: You can still qualify for a financing, however the dealer may play hardball to sell you a greater price so they could make even more cash.

600– 650 Tier 3: While you won’t get a vehicle based on your score alone, there is still hope; yet expect to pay a costs in the price you are provided, and also maybe constraints on the terms also.

The second piece to the formula is your LTV (Lending to Value). When you acquire an auto, banks will certainly make use of Black Book Worth, normally straightened to NADA clean retail, to determine their obligation as well as exactly what your deposit ought to be. Banks are mindful that suppliers should make cash on their sale; as well as for that reason, will enable LTV to rise to 120% of the clean retail meaning if an automobile’s worth is 0,000, most banks will certainly permit the dealer to fund approximately 120% of that number which is 0,000.

However, the closer the value of the car loan (complete funded) comes close to the 120% mark, the higher the financial institution threat; therefore, a greater deposit will be needed if your credit rating isn’t really above 720. The greater your rating, the a lot more tolerant the financial institution is with letting you escape less cash down and also a greater LTV.

Those with bad credit will should stay under 80% in LTV because financial institutions intend to limit risks, and also because dealerships will generally not reduce prices low sufficient, after that you are called for to make up the distinction in cash money.

The third as well as final item a bank seeks is your past history of autos financed and the total funding value of your previous cars and trucks. Banks don’t such as people without any history as well as definitely do not such as people that go from 0 automobile settlements to 00 vehicle repayments. They often prefer those that methodically go up in quantities instead of make big jumps.

While the quantity you are accepted for is usually based on your income, the financial institution likewise comprehends that when you transcend K finances, it is not an inquiry of requirement, however rather choice and therefore will restrict such preference by allowing sensible dives unless compensated by a larger deposit.

Right here are two scenarios for you to understand just how this formula functions from beginning to finish:

a) Perfect candidate would certainly be a person with 720+ credit report purchasing an auto valued at under 100% of NADA clean retail value and also with a history of previous automobiles within 40% margin of previous autos funded. This candidate gets the best rate.

b) Bad candidate would certainly be someone with an ordinary or second-rate credit rating trying to purchase a cars and truck over valued by a greedy dealership and also whose past background just reveals automobiles around K today wishes to buy a K auto. This individual will require a large deposit and will more than likely pay a high price.

Resource: http://www.exoticcarhacks.com/buyers-guides/3-things-that-determine-what-credit-score-is-needed-to-buy-a-car/
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What is an Excellent Credit rating? Credit report Range? Obtain a FREE Credit history Report!

< iframe width="425" height="355" src="https://www.youtube.com/embed/CCJr1vEZ6mY?rel=0" frameborder="0" allowfullscreen > If you ever assumed have an excellent credit history was not vital after that you may be ideal if you do not ever need to borrow cash in the kind of a financing? If you always pay in cash as well as never ever utilize a credit rating card then you will certainly not have the ability to build your credit.

With any luck if you ever before had any one of these concern listed below, I wish I helped respond to most of them in my short video:

1) What is an excellent credit report?
2) Exactly what is the Credit history range?
3) Where to obtain a TOTALLY FREE credit score record?
4) Exactly what is considered great credit?

Your credit history is made use of by lending companies to determine whether or not they will lend you cash in the form of a lending. Your credit report is also utilized if you want to make an application for a job, apple for a new bank card, and even a home mortgage financing. If you begin early then you could start developing a fantastic credit history.
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