10.22.2008

Vote or DIE!!!!


(cool Shepard Fairey piece)


Do you remember that weird Puff Daddy slogan during the 2004 election? I did...and I thought it was ridiculous. It just came back to my memory the other day when I was pondering the election. I remember first hearing it and laughing hysterically because I saw a visual image in my head of P Ditty showing up at my house warning me that if I don't vote I will most surely suffer a painful and disturbing death.

Anyway...I digress.

As you may have guessed this is an extremely important election year. It's SO important for all of us to vote. It's a responsibility for everyone who enjoys the luxuries of life in America. As bad as we may think we have it...it's never that bad...so stop whining and vote!

Keep in mind, it's not only an election for the President of the U.S. There may be lots of other important things to vote for so do your research.

Arizona, for example, has a ballot measure about Payday Loans.

If Payday and Title Loans are important to you, you should do your research and prepare yourself for voting day because you don't want to leave your booth without voting for measures like those.

In Florida, there are measures to "protect marriage." I don't live in Florida anymore but I'm still registered there so I'm voting absentee...you better bet I'll be voting a big fat "NO" on that B.S.

See....voting is fun. It gets you passionate and excited about important issues. Take a stand, get educated and VOTE DAMMIT!!!

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10.20.2008

Payday loans: An issue of cost.

Critics of the payday and title loan industries spend most of their time trying to convince you that payday loans' ultra high interest rates will inevitably ruin your life. They consistently leave out the fact that payday and title loans are short term...which if totally negates the high interest argument.


Typically, a short-term (2 weeks) loan costs $15-20. Credit card late fees can cost as much as $37. The last time I overdrew my account, I ended up paying $50 in miscellaneous fees.

On top of that garbage, you have to worry about your credit score. The other penalty in this equation is that every time you're late on a payment, your credit score goes down. Lower credit scores mean higher interest rates and less of a chance at obtaining bigger loans down the line...say for a new home, car or business.

Payday loan critics certainly don't mention any of that stuff...because if they did and people actually started figuring it out...they'd be making less of a profit on you!

The thing you must realize is that these critics have something at stake. Your money.

The more informed you are, the better choices you're making and the less money they get to steal from you.

Start a revolution and get educated!

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10.09.2008

Trick or treat?



My sister sent me this in an e-mail and I saw a few other bloggers post it. It's hilarious but it's also really really sad...because it's kind of true. In the same e-mail my sister sent, she said this is what her neighborhood actually looks like at night. Empty, unkept houses sprinkle the streets with foreclosure signs. Truly a sad sight, I'm sure.

Here's an inspiring CNN story about someone who's decided to take a stand for what's right.

It's times like these that many people find themselves really short on cash. If you're reading this and know you're one of them, don't panic and don't worry about asking friends for a loan. You may be eligible for a quick and easy Title Loan. Also known as Auto Loans or Pink Slip Loans.

It's a kind of cash advance you get by using your own vehicle as collateral...doesn't necessarily have to be a car. Many lenders accept boats, motorcycles and more.

Many companies let you do this over the internet with on-line auto title loans. They applications are usually quick and simple.

After paying back the loan (with interest) within the period stated in your agreement, you'll get your car title back and whatever else you had to give...usually it's duplicate keys. If you cannot pay back the money, the lender will then take possession of your car to make up for the money they lost....So basically, make sure you can and will pay this loan back...unless you want to be out of car...or boat or whatever gets you around.

Don't use this if you're only looking for easy money. This is a serious loan that's made available so easily to help people who really need it...and who can really pay it back.

Always borrow responsibly and do your research to make sure you're borrowing from reputable on-line lenders. Don't make yourself into a victim!

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10.03.2008

The bailout bill passes

A historic $700 billion financial rescue plan has just passed. The Senate-amended bill passed 263 to 171. CNNMoney.com has the full story.

These are incredibly interesting times. Not only are we on the verge of a complete financial/economic meltdown, but we're in the middle perhaps THE biggest election of this century. I think the my generation (the 20-30 somethings) is going to have some interesting stories for our grandchildren.

The whole world is shaky with financial jitters and nobody feels it as hard as every day folks like you and I. It's a good thing we can rely on cash advance web sites in the case of an emergency. I've definitely been faced with some hard time financially lately. Luckily I just found a job, but I'm still on thin ice. It'll take some time for me to get my feet back up. In the event that I need to access quick cash, let's say I have a medical emergency, I can use the options presented on title loan web sites to get the help I need.

Remember to use these funds responsibly and don't let yourself fall into a cycle of debt. In hard times like these, your top priority should be to decrease your debt. Do yourself that favor!

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9.27.2008

the simple Pros and Cons of Auto Title Loans

If you've spent some time reading my blog and doing your own research about both Auto Title and Payday loans, maybe you're thinking that the whole ordeal is just too complicated. Well, don't be frightened because it's really quite simple.

The best thing to do when making any decision is weigh the pros and cons. So here they are!

As you know, an Auto Title Loan is granted using your vehicle as collateral. It's a great way to get some emergency cash if you need it but there certainly are consequences if you make irresponsible choices.

Auto Title Loan: Pros

If you own a car and have a job, getting an auto title loan is quite easy. There are plenty of sites on-line but some of the best are www.AutoCashUSA.com, www.TitleandPaydayLoans.com and www.RPMLenders.com.

All you need are your driver’s license, proof of residence (a utility bill will do) and your last pay stub to prove your employment status. Once your title of the car is verified, your loan is approved and usually you have the cash you need within 24 hours. Yes, it is that simple.

Typically speaking, loan applicants with a bad credit history get the big denial stamp. However, with an auto title loan, bad credit is not a disqualifying factor. So if your credit score is down in the dumps, don't worry!

Here's the best part...you get to keep your car. Your car is yours to keep, even while you're paying the loan back. I've heard some people liken Auto Title lenders to car thieves...and it's just ridiculous. No one is stealing your car.

Auto Title Loan: Cons

Let's be honest...the idea of getting your hands on a mountain of cash is attractive. Some people fall prey to this notion that and wind up being the biggest loser. Remember, these loans must be taken out with responsibility and only in urgent situations.

The reason I said what I said above about people painting Auto Title lenders as thieves is because of the very real risk that exists with these loans. You can lose your car. You use your car as collateral because the lender needs security in the event of your failure to repay. This is the absolute worst case scenario but it's happened to those who take out the loans when they shouldn't. So you see...they aren't really stealing your car. It's more like...you've given them the right to take possession of it in the event that you don't pay them back...which is basically like stealing their money. An eye for an eye, you know?


So...the lesson learned. Auto Title loans can be a great option for you if you're in an emergency type of situation AND have the means to pay it back. If you don't feel like you fit that description then you better reconsider your options and ask yourself why you really need all that money right now.

We're in a recession! Save your dang money!

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9.24.2008

Scary times just got....yep....scarier!

Damn it! Technology and I just aren't getting along right now. I just wrote a post that I was very pleased with and somehow, it got erased. I'm not exactly sure what happened, it was probably my fault but I don't want to waste too much time wondering WTF because then I'll drive myself mad.

Instead...I'll attempt to rewrite what I had said about the recent news regarding our fragile economy.

I should have assumed that the bad news would just get worse. Had I done that I wouldn't have been so surprised when I heard about the $700 BILLION the administration is asking for.

I couldn't help but think of Dr. Evil.....



Our President and the Federal Reserve chairman are asking for a blank check. This makes me angry and it should make you upset too because I don't think this money is just coming from no where. It's not like we have a big surplus we can borrow from....our country is buried in debt and that $700 billion is most likely going to come from us. Taxes, baby!

That's right. Taxes will pay for that money...and I'm not sure how Uncle Sam intends to do it...whether it's an increase in taxes, a large reduction of tax cuts or a liquidation of government services. Either way, it won't be fun.

The thing that sucks the most is that while I hate the idea of giving the people who screwed everything up more money to try and fix it...I don't know what else to do! I can only hope for two things.

1. The measure gets beefed up with safeguards to ensure a smooth operation. I don't want my money to just bail out the government's friends on Wall Street. Main Street needs help too.

2. The next administration takes that $700 billion and makes some smart moves with it. I've tried my best not to reveal my political beliefs and whom I've chosen to vote for so I'll just say that whomever wins better use that money wisely.

Otherwise I'll be packing my bags and headed to a small island some where in the Pacific.

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Stop digging yourself into more debt!

If you're on the phone, right now, with a credit card company, on hold to request a bigger credit line...HANG UP. Consider the consequences of your actions and ask yourself why you're doing such an unwise thing. If you need quick cash that bad it's really not a good idea to increase your credit. I'm going to assume that if you're desperate enough to ask for more credit it's because you really really need it...like you're having an emergency.

Well, there's a better option for you and it's not nearly as dangerous and you don't even have to feel like it's an act of desperation because thousands of people turn to these options every day as a healthy alternative to deeper debt and/or heavy overdraft fees.

Hang up the phone and point your Internet browser to www.paycheckATM.com, www.USApaydaylenders.com and www.TitleandPaydayLoans.com to get started.

They're called Payday Loans and anyone with a job can obtain one. Essentially they are smaller cash advance loans up to $1,200 that must be paid within a month's time or so. Despite what you may have heard, as long as you complete the loan and pay it back you've got nothing to worry about and it won't affect your credit score. In fact, you don't even need to worry about your credit score because it doesn't affect your application.

Still unsure? Do a little bit of research to find out more about Payday Loans and Title Loans. I think if you're in a pinch and need quick cash, it's a much better option. Budget Blogger is another great resource for information and just recently, I discovered I Can Has Payday (which is fantastic for cat lovers).

Be smart!!

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9.18.2008

Scary times




While it may have been obvious to plain folk like you and me, the government has so far yet to use the dreaded "R" word, but I think now, more than ever, it's about time we acknowledge the truth. I'm no economist, but come on people. I think after the last few weeks its clear that we're in a recession.

First the fed takes over Freddie Mac and Fannie Mae and the big headline news yesterday was about the government's $85 billion loan to insurance giant AIG.

I have mixed feelings about it and like many others, I'm not 100% sure what it means for our economy but I do think that it illustrates the financial crisis we're in.

That's why its so important for you to hang on to your jobs, save money and stop taking out loans. Now's not really a good time to buy a car or even open up a new credit card to get an iPod. If you can't afford it, don't buy it. If you've got extra money to spend, spend it on decreasing your debt.

Don't forget about your other options in the face of an emergency. It might seem obvious to use a credit card to take care of those rare emergencies but I think you should consider the options offered by Web sites like www.TitleAndPaydayLoans.com and www.PaycheckATM.com.

Don't believe the high interest rate myths you've probably heard about being associated with these services. It's bogus figures and if you do your research you'll find out that it's the credit card companies and banking institutions that have the higher interest rates and fees.

Payday and Title Loans are short term loans (30 days or less) that charge you a percentage of your fee or, in the case of Title Loans, use your vehicle as collateral. You must be employed to qualify and they don't care about your credit score. Contrary to what you may believe, nothing will happen to you if you follow the terms of the loan...which means...pay the dang loan back.

More information on that at www.WhichPayDayLoan.com and the CFSA.

I'm back on the search for a job today. Hopefully I'll start getting some phone calls next week. It's Thursday again which means the weekends almost here which means...yet another week without any luck on the job hunt.

Wish me luck!

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9.12.2008

Stretch that paycheck like taffy

I've been out of a job for only 2 weeks but it actually feels like 2 months! Not working makes time stretch like taffy, especially when I'm constantly checking my e-mails for responses and actually dreading the weekends (because all businesses are closed, I can't apply for jobs right away!).




Dang, I never thought I'd use those two words in the same sentence, "dread" and "weekend." I need help!

Luckily I have a good amount of money saved up because I planned for this stretch of joblessness, while I searched for better opportunities. And it wasn't as difficult as I thought it would be to save up enough money. I just socked away a large portion of my paychecks for 4 months and cut down on my spending, another easy option when it comes to saving up your money.

Most of my extra spending ends up being on food because well...I love food. So I'd ask myself, "Okay...do I really need to buy a dozen vegan doughnuts?" Even now I can hear my taste-buds screaming "YES!" but the smart part of my brain tells me "No." I have a super nice girlfriend who's really good at backing me up too, just in case my brain fails (which happens from time to time).

In case the metaphorical taffy machine breaks down and you run into trouble, don't panic. You do have options. I would say, don't turn to new credit cards unless you absolutely have to. Especially if you're going to use it to borrow cash. Credit card companies charge you ridiculous interest-rates on cash loans.

There's another option and we've talked about it before. You guessed it.

Payday loans.

If you encounter a situation where you need emergency cash, fast and you just don't have it for whatever reason, you can rely on quick loans online through Web sites like PaycheckATM.com, and TitleAndPaydayLoans.com.

They are really easy to get and there's no shame in using these options. Payday loans are used by lots of people and one of the requirements is that you have a steady job.

There's a few things to keep in mind when considering these options. I'll do my best to outline them for you.

  • Payday loans are short-term cash advances. You usually have to repay the loan in 30 days or less. If you think you're not going to be able to do this, then find another option because that's where folks get into trouble.
  • That being said, don't use these quick cash loans for your satellite bill or for that sweet plasma TV you've been keeping your eye on. Use it for EMERGENCY things like medical bills, veterinary bills, house-related bills (rent, utility, mortgage).
  • Only take what you can pay back. There's usually a 15% fee (if you borrow $100, you'll owe $115). If you know that your next paycheck is going to be about $300, don't borrow $700 and just hope that you're going to get it back somehow before the loan is due. That's a huge mistake.
  • If you have to resort to these types of loans, chances are you lost track of your financial plan or goal so get back on it. Start saving, leave the debit card at home, buy cheaper groceries, stop dining out, get the most out of your car trips to save on gas and cancel your "luxury bills" (satellite/cable, netflix/gamefly, XM/Sirius, naughty web sites...etc...).
WhichPayDayLoan.com offers some reviews and more advice on the matter. Check it out, I just found it the other day while researching the topic.

Title Car loans are other options, very similar to payday loans.
You can review that information in some of my previous blog posts or at Web sites like:

TitleLoanSites.com
AutoCashUSA.com
RPMLenders.com

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Seven years later

This kind of post is a day late (I had a pretty busy day yesterday, looking for jobs) but...Sept. 12 was almost a little more eerie than Sept. 11, seven years ago. Don't you think?

What were you guys doing on that fateful day? I don't think I'll ever have strange feelings associated with that day, it's definitely the JFK assassination of our generation.

I have my own opinions on the tragedy and think there are a lot questions that have been left unanswered by our government.

Loose Change is a very interesting indie documentary about some of these questions. The makers of the film are bold enough to propose that the entire event was an inside job. There's a whole grassroots movement devoted to spreading awareness and who demand answers to these questions; I'm sure many of you have seen stickers or graffiti with their "9/11 was an inside job" motto.

I'm not going to pretend that I know for sure, one way or the other. What I think is the most important about that movement is the quest for truth and, like I said, the answering of many many open questions.

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9.09.2008

Whats so great about title loans?

So you've decided to get an Auto Title Loan. Many of your friends might tell you you're making a bad decision but actually, there are some great advantages to using your car as collateral for a short-term loan, especially if you need quick cash.

First of all, obtaining a title loan is a fairy easy process. There are several Web sites out there like www.TitleAndPaydayLoans.com and www.AutoCashUSA.com. You fill out a really basic form and submit it to the site. A representative at a loan store near you will call you to confirm some details about yourself and your car and if everything is in order, your loan is granted. It's quick and easy.

Got a bad credit history? Don't worry about it. As long as you own the title to your car, the loan is guaranteed cash...because they're basing it off the value of your car. If anything happens and you don't pay the loan back...well...if you haven't figured out what will happen, keep reading to find out.

Nowadays, you can keep your car through the duration of the loan and as long as you pay it back, they won't take it away. Keep in mind, that's a really really important step. PAY IT BACK or you'll be getting used to your city's public transportation system. There's no shame in riding the bus (I do it all the time), I'm just saying...pay the dang loan back.

Loan periods are no longer than 30 days which means these loans should be used sparingly and for short-term financial solutions....hospital bills, vet bills, rent....etc. Its just the right kind of loan for that situation.

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phew! I'm back online!

well, it's certainly nice to be connected to the rest of the world again.

I'm going to write a longer post today I just thought I'd take the chance right now to say hello again.

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8.15.2008

taking a little vacation

I'm taking a vacation over the next couple of weeks but I'll still be posting sporadically. I'll have my iPhone on me.

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8.12.2008

"Sin Stocks" on top during recession times

Here's a great article on some companies who are actually doing quite well during these hard and trying times....wouldn't you know? It's the alcohol, cigarette, candy and gambling industries!

I found this on walletpop.com:
http://money.aol.com/news/articles/_a/bbdp/in-recession-bet-on-alcohol-tobacco/129154

LONDON (Aug. 12) - As a global recession looms, what better way to cope than to eat, drink and be merry?

Even as consumers face soaring energy costs, rising food prices and higher mortgages or rent, it seems clear they're not prepared to forgo many of life's little treats - alcohol, cigarette and candy makers are all reporting healthy sales amid the gloom.
"I would never give it up, not unless I was dying of alcohol poisoning or something," said Kelly Piggeln, a 62-year-old retired nanny, as she indulged in her favorite two vices of a cigarette and a glass of wine on the patio of a London bar.
I definitely fit the description. If there's one thing I always make room for in my weekly budget its my favorite vice... alcohol! In the fridge at home, there's a nice 12-pack of Sol just waiting for me and my bottle opener. Mmmmmmmmm...Sol.

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8.11.2008

fixies at the olympics



Speaking of Olympic mania...here are the times for the Track events taking place between August 15-19 at the Laoshan Velodrome.

Check it out!



what a beautiful track!

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olympic mania

I'm totally hooked on the 2008 Beijing Olympics! I can't remember being this into the games. 4 years ago, I really didn't even care that much. The opening ceremony...I mean...it was so amazing that I can't even really describe it. I'm having a hard time finding videos which sucks because I want to watch it again and I wanted to share it on my blog.

And last night...holy crap.
The 400 freestyle relay. Michael Phelps's second gold medal (of the eight he's trying to nab) is on the line. It's not looking so good for the US team, with the French swimmer Alain Bernard in the lead...but then...miraculously...Lezak, the oldest man on the U.S. swimming team, pulled off one of the great comebacks in Olympic history, hitting the wall just ahead of Bernard. Just BARELY made it.

It was so exciting I literally jumped up out of my seat. I couldn't believe it.

I'm officially hooked.
You should be too.

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8.06.2008

one-stop lending, PETA and more....

Sorry for the light blogging, I've had a rather busy week and haven't had a chance to sit down and pour out some thoughts.

I can only hope that the day will come when I don't have to write posts like this anymore, but I can't stress enough how important it is for consumers to know what they're buying. In terms of cash advances and payday loans, the market is so saturated with lending services that to borrow money so blindly can potentially put yourself at great risk. Not researching your lender is doing yourself a great disservice.

What I'm getting at is...there are many Web sites that offer fast cash options..but not all of them actually fund the money. Many of these sites work with brokers, who sell your information to other lenders. So...you're not really getting a loan from www.whatevergenericpaydayloansite.com but from whomever they've decided to sell your information to. Even worse, very sensitive information has been sold to another company. That sort of thing just can't be trusted.

Instead, choose a one-stop lending service. Who will fund your payday loan themselves. Sites like www.autocashusa.com, www.paycheckatm.com, www.usapaydaylenders.com, and www.titleandpaydayloans.com are all excellent examples of Web sites who are also the bank. You can trust that they won't sell your sensitive info to some unknown source.

One should always strive to really investigate the world around them, especially when we live in such a scheming shyster-filled world. I have a similar story, that's not directly related but just goes to show you how a little bit of research can reveal a lot.

As you may or may not know, I'm a die-hard vegan. The food, the clothes, everything in my life is as animal-friendly as possible. One day, a myspace friend posted a bulletin with link to the Web site, Peta Kills Animals. The site makes claims about how the radical animal rights organization (which I support) is actually a group of murdering liars who kill and mistreat animals.



I thought to myself...."this can't be true, can it?" It just doesn't make sense...and after doing just a little tiny bit of research I figure out that it really doesn't make sense. It's a farce. Peta Kills Animals is funded by the Center for Consumer Freedom. If you visit that site on Wikipedia (link included above) you would discover that it is a lobbying organization arguing against the dangers of smoking, the unhealthiness of red meat, and who fought to keep blood alcohol levels of drivers at 0.10 percent. They also argue that the obesity epidemic is a myth and that we actually are not the fattest most unhealthiest nation in the world.

Now...one might ask themselves, "how is any of this stuff relevant to their activism against PETA, Mothers Against Drunk Driving, Greenpeace and the Humane Society?" Just look at what Wikipedia writes about who finances the Center for Consumer Freedom.

CCF is a tax-exempt 501(c)(3) U.S. nonprofit organization. As such it does not disclose the identity of its funders. However, some information is available from statements made by CCF and its funders, and on yearly IRS Form 990 filings.

Initial funding for the Guest Choice Network organization came from Philip Morris, with the initial donation of $600,000 followed by a $300,000 donation the following year. Philip Morris attorney Marty Barrington wrote in a 1996 internal company memorandum: "As of this writing, PM USA is still the only contributor, though Berman continues to promise others any day now." [27] By December, 1996, supporters included Alliance Gaming (slot machines), Anheuser-Busch (beer), Bruss Company (steaks and chops), Cargill Processed Meat Products, Davidoff (cigars), Harrah's (casinos), Overhill Farms (frozen foods), Philip Morris, and Standard Meat Company (steaks). The group's advisory panel comprised representatives from most of these companies, plus further representatives from the restaurant industry, Senator George McGovern, and Carl Vogt of law firm Fulbright & Jaworski[28]

In subsequent years, GCN acquired more donors, but was still largely funded by large corporations. The IRS Form 990 for the six-month period from July to December 1999 shows income for that period was $111,642, of which $105,000 came from six unnamed donors. Form 990s for the Center for Consumer Freedom are available for years 2002-2004 on the GuideStar website.[29][30][31] For the last available year, 2004, revenues were $3.6 million, while expenses reached $3.25 million.

By 2005 the group reported having over 1,000 individual supporters[9][3] and, according to Berman, about 100 corporate supporters[32] Other companies that have publicly acknowledged making donations to CCF include Coca-Cola; Wendy's; Tyson Foods; and Pilgrim's Pride.
So now we see who's really behind PetaKillsAnimals and argues that red meat is really quite good for you? The meat industry! Who's behind the arguments against the dangers of smoking? The cigarette industry?

That's just what it is...corporate lobbying to spread misinformation for their own financial benefit. Groups like PETA and MADD pose a threat to the meat and alcohol industry and they simply can't be trusted to dispense medical facts. I felt empowered after doing my research and had the knowledge to fight back that nonsense my soon to be ex myspace friend was talking.

The moral of the story is...always...no matter what you're buying or getting into...get on the internet and RESEARCH!

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8.04.2008

radio lab

I just discovered my new favorite thing. I've been a big fan of public radio programming for years and this love was only solidified during my four years at University, where I was a volunteer radio host/DJ in my spare time.

Yes...it's still cool to be a college radio DJ. In fact, I'd say its cooler now than ever. I wish I was still into radio and who knows? Maybe one day I'll crawl my way back in.

Until then I'll dream and listen to shows about... why I'm dreaming...why I'm sleeping, why I'm laughing. Why ants walk in a line. About the absurdity of zoos. About space and time. About science, life, culture and what makes everything tick.

It's called RADIO LAB. It's the science program I've always wanted, so easy to digest and so interesting that it leaves you wanting more. The production and writing is so smart and its absolutely fascinating. I urge you to download a podcast (very easy if you have iTunes) and give Radio Lab a try.

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journalism 101...check your facts

A few others on the Blogosphere have caught this story and I thought I'd spread the word too.

I know one of the first things they teach you in Journalism schools is how important it is to check your facts. Fact checking is like...THE fundamental element to quality journalism and one would think that this is just common sense? Right? Journalists should strive to tell the whole truth and nothing but the truth.....right?

Well I know that's a load of baloney and unfortunately, The Sacramento Bee has made a great example of themselves. I say that's unfortunate because I have had, in the past, great sentiments for The Bee.

I'm disappointed that their reporter, Claudia Buck, didn't do her homework with her piece, "The Downturn: For many in military, finances are a battlefield"

Buck used everybody's favorite buzz word "predatory lending" to call out and blame payday loans for many of the financial problems that many members of the US military have been experiencing.

Well, Ms. Buck, you totally ignored the fact that, as of October 1, 2007, payday lenders do not lend to military personnel. I'd hate to assume that you deliberately ignored that fact when writing your piece so get your facts straight!

Read the story after the jump, above.

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7.31.2008

riding your bike is NOT a crime

everyone's talking about this video and i'm doing my part to spread the word.
if you could, do the same. show your friends and family. let this asshole's example pave the way for change.

BICYCLISTS ARE NOT CRIMINALS!!!!!!!

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