Thursday, July 15, 2010

foreclosure



Yet another sad story about the lack of compassion and empathy for our fellow Americans. We need a single payor, buy-in medicare, anything better than allowing "fully covered" illnesses bankrupt those we know and love.

www.congress.org to write or call our congress about the need for coverage. The insurance companies are making record profits while increasing co-pays of the ill person, this has got to stop now!

Lest anyone whine about people asking for help, there's no help unless you are POOR! Some people think medicaid kicks in for ill people - it doesn't unless you have $2000 or less including savings, 401k, DC's, no assets other than a home (in foreclosure for many), personal property and 1 car (the 2nd is counted and if over $2000 too bad for you) - everything else you might "have" is counted and you aren't eligible for any financial help!

Americans facing bankruptcy and foreclosure due to illness is nothing new and so few are willing to help for fear it may take away from "me and mine". This problem needs to be solved by our congress instituting a single payor, Medicare buy-in or something similar to prevent families of ill individuals from losing everything including their beloved family member.

The Senate showed strong support for the Dodd-Frank Wall Street Reform and Consumer Protection Act by passing it with a 60-39 vote. It will be sent to the White House where President Obama is expected to sign it into law next week.



This historic bill represents a principled effort to bring financial fairness to all Americans and to ensure that lending transactions be both honest and transparent. Any policy that protects those consumers who do not have the means to protect themselves is a step in the right direction.



Many urban communities in America today are in a state of emergency, requiring the highest and most urgent attention of the private and public sectors. Passing the Dodd-Frank Wall Street Reform and Consumer Protection Act opens the way for a system that oversees the practices of participants in the financial markets, rewarding those who conduct business in the spirit of honest free trade and holding accountable those who continue predatory and abusive practices.



Certain provisions of the bill go a long way toward addressing the needs of the roots of our economic tree. In particular, this bill effectively addresses the root causes of the predatory lending induced mortgage meltdown that ultimately triggered the global economic crisis.



We are relieved and grateful that the final conference report addresses the crucial issue of foreclosure prevention. While 2.5 million families have already lost their homes to foreclosure, well over 5 million more are in imminent danger of doing so, and potentially as many as 13 million could lose their homes before the end of this crisis if they do not get some kind of assistance.



Overall, homeowners in America will be much safer as a result of the new mortgage standards. More effective foreclosure prevention will not only help homeowners, but also will help stabilize the economy and contribute to a strong recovery.



Again, we very much appreciate the act of congressional leadership shown by passing this historic legislation.








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BP Confirms Lobbying UK Ahead of Lockerbie Bomber Abdel Baset al <b>...</b>

(July 15) -- Amid a new US furor over trading a terrorist for commercial considerations, BP confirmed today that it had lobbied the British government in late 2007 over a prisoner transfer agreement with Libya prior to the release of ...

WI Sen Poll: More Bad <b>News</b> For Feingold - Real Clear Politics <b>...</b>

Opinion, News, Analysis, Videos and Polls.

openSUSE <b>News</b> » openSUSE 11.3 is here!

19 July: Birthday of openSUSE News; 21 July: German Wiki Team Meeting; 24 July: Hadoop Lab with openSUSE in Taiwan; 28 July: German Wiki Team Meeting; 28 July: openSUSE Project Meeting. Categories ...




























Wednesday, July 14, 2010

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Hacker <b>News</b> Daily

At the same time, there are a lot of very interesting articles on Hacker News. Several times recently I've read a fascinating article elsewhere and submitted it to Hacker News, only to find that it had already been on Hacker News ...

President Obama, White House: Al Qaeda Is Racist - Political Punch

In an interview earlier today with the South African Broadcasting Corporation to air in a few hours, President Obama disparaged al Qaeda and affiliated groups' willingness to kill Africans in a manner that White House aides say was an ...

Fox <b>News&#39;s</b> official app lands in Android Market | Android Central

QR Market link Fox News has joined the New York Times, CBS News, and several other mainstream news companies in offering an official app on the Android Market.The app comes packed with features, including video highlights and live audio ...









































Saturday, July 10, 2010

why internet marketing


Attention all members of the social media industry! Attention all members of the social media industry! It’s time to consider how the REST of the world uses social media in its various forms especially from a mobile phone perspective. I say this only because the chatter amongst social media experts, ninjas, gurus and Maharishi’s seems to lean toward the idea that everyone is accessing social media from mobile devices but reality may be very far from that.


The Pew Research Center’s Pew Internet and American Life Project puts out some great data n its report called Mobile Access 2010 and it seems (as best as I can tell at least) to be free of the influence of someone who is doing PR disguised as research (another popular industry practice that needs to end). Here are a few findings. Please note the last bullet point in particular.



Now, there is a lot more to this study like age specific breakdowns and also the use of cell phones for data applications amongst various ethnic groups which is fascinating. Please check out the report if you would like to learn more (PDF).


Honestly, I couldn’t get my mind off the 10% number because it seemed very low but at the same time seemed very real. At first I thought this can’t be right because everyone is using their mobile phones to access social media. Isn’t that the point? Being able to tell all of your ‘friends’ what you are up to at the moment and the place that you are up to it? If you read only industry media about this phenomenon you would suspect that this kind of thing is widespread and going mass market.


Whoa there big fella! It’s not there yet and likely won’t be for quite some time. As with most everything I have ever seen in the Internet space the hype is usually about 5 years ahead of that nasty thing called reality. We get all lathered up about what is happening even though it is only happening for a very small percentage of people.


This kind of overheating and over hyping is both annoying and dangerous. It’s annoying because it fuels the egos of those who are pushing this kind of irrational exuberance for their own gain (to be a quoted ‘expert’ etc). Secondly, it makes people lose sight of what they need to be doing right now to succeed.


There is no doubt that this kind of activity will be more pervasive moving forward. We all have to remember though that when we attend a conference with thousands of people walking around staring at their iPhones, Android devices or BlackBerrys that we are experience this activity in a bubble. It’s not how most of the world operates yet. It just feels like it because like attracts like. The people that are married to their smartphones and record everything at every moment are a small percentage of the overall population and it may not make sense at this point to be getting all giddy over just how impactful this all is.


Let’s face it, we are some 15 plus years into the commercial Internet era and A LOT of people are just starting to understand search marketing! We chuckle and say “Gee, I can’t believe that there are people that still don’t get search!” Huh? That’s pretty arrogant and actually stupid to say (you can complain that I may have called you stupid but I am first in line in having made that statement about search as well, so we are all in this together). Honestly, Google is still figuring out what is deemed ‘traditional’ search so why should we expect that everyone already has as well. Man, get with it, right? Search is so 2009! The masses haven’t caught up but we keep on running and leaving them further behind. That’s not good policy.


I am glad that there are voices of reason out there like Pew so we can all have a head slap of reality and really help each other to concentrate on things that will help us today to move this economy out of the crapper. Pie in the sky business idealism will not get it done. Believing that the whole world is going completely mobile and will do everything from their mobile devices in even the next few years is silly. Segments of society will adapt and grow faster but where a lot of consumers are and will remain to be will not be part of this revolution.


The truth is that there is a lot more money being held by people who are not part of this revolution than there are those who are. As marketers that should be your focus for today.


Well, thanks for allowing my rant. I would love to hear the opinions of our readers on this subject. Is the use of mobile and social more widespread than this study suggests? Are we stirring up a bunch of industry Kool Aid that is keeping many from making good decisions for their business in today’s reality? Let’s hear it please!


Social Media Monitoring in Just 60-Seconds. Guaranteed!




Today I was able to catch up with Gary Key who is a Technical Marketing Manager for ASUS to ask him a few questions about Internet Explorer 9 Platform Preview 3.

James : Thanks for your time Gary. As a Technical Marketing Manager, how have you been involved with the release of Internet Explorer Platform Preview 3?

Gary : It’s really exciting to be involved! ASUS has been providing both mainstream and cutting edge hardware to Microsoft to ensure the best possible user experience with Internet Explorer 9. Not only have we been supplying exciting hardware for testing but we’ve also been providing input and feedback on how to make IE9 perform its absolute best on ASUS products.

James : You said that it’s been exciting being involved with Platform Preview 3. What’s been most exciting for you?

Gary : Here at ASUS we’ve been at the forefront of netbook and notebook innovation by providing the type of CPU and graphical processing power that Internet Explorer 9 thrives on. For example, we shipped the first Intel Atom dual-core with NVIDIA ION powered netbooks, NVIDIA 3D Vision enabled notebooks and one of the first DX11 gaming notebooks powered by ATI’s Mobility Radeon HD 5870 GPU. It’s this type of power that enables IE9 to provide an extremely responsive and interactive user experience on the Web. ASUS’ continued commitment to provide excellent CPU and GPU performance in its mobile products along with Microsoft’s innovative use of hardware acceleration in IE9 will help to create an unlimited possibilities for new Web applications that are both graphically and functionally rich.

James : You mentioned some of your innovative hardware. I’ve had my eye on your U30Jc or UL80Vt notebooks. How will they perform with the latest Platform Preview?

Gary : Thanks to the Intel dual-core processor and discreet graphics performance of the NVIDIA mobile GPU chipset in either notebook the user experience with Internet Explorer 9 will be incredible. In fact, even our AMD based Eee PC 1201T netbook will provide enough graphical and CPU processing power to ensure the user has a terrific web experience with IE9.

James : How about elsewhere in your range? Is there a price point or a particular type of machine I should be looking for?

Gary : We have a vast number of new mobile products launching this summer that are built with Internet Explorer 9 in mind. Everything from our upcoming Eee PC 1215N netbook and slim and light U35Jc notebook to the new 3D capable Republic of Gamers G53 gaming notebook will offer users a rich and interactive internet experience with IE9.

James : So do I need to buy a new notebook or workstation to take advantage of the hardware acceleration in Internet Explorer 9?

Gary : Not at all. We’ve been using discrete graphics and multi-core processors in most of our machines since we started shipping Windows Vista and Windows 7 machines so Internet Explorer 9 will be able to take advantage of that horsepower too. Of course, buying a new shiny notebook with an aluminum body never hurts does it?

James : You’re really trying to talk me into that U30Jc aren’t you? One last thing, what’s your favorite Platform Preview 3 demo on the www.ietestdrive.com site and why?

Gary : That’s a very difficult question to answer. I really do not have a single favorite Internet Explorer Platform Preview 3 demo as they all show how the combination of IE9 and the processing power available in ASUS mobile products will provide a uniquely rich, responsive and interactive Web experience for the user. However, I would have to say during testing that we probably ran the Flickr Explorer demo the most as it truly displayed the power of our current and upcoming mobile products when using IE9.

James : Gary thank you so much for your time.

Gary : It’s been a pleasure.


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Dealer Synergy is Ahead of the Curve in Shaping Automotive Internet Sales Strategies! by dealersynergy



















Friday, July 9, 2010

foreclosure homes


Today, the National Council of La Raza (NCLR) launched a five-part weekly blog series titled Too Little to Save. Each installment will spotlight a family and describe their struggles with foreclosure. A recent study authored by NCLR and the Center for Community Capital at the University of North Carolina found that family bonds were profoundly distressed by this ordeal.



We are deeply concerned about what will come of this foreclosure generation and what it means for the nation if families continue to lose their homes. The following is the story of the Nogales family.



On the west coast of Florida, the Nogales family has been split up by foreclosure. Ms. Nogales, a single mother who has a 17-year-old daughter and two sons, ages 18 and 25, experienced a loss in income that triggered a series of events ending in foreclosure.



First, it was a loss of income. Second, my mortgage loan actually increased because of taxes, which, of course, put me behind because with my less income and my mortgage up, I was not able to pay it, the adjustable loan. I had homeowner's dues, too, and they all went up.



Foreclosure triggered contention between the family members. Faced with eviction, the mother moved into her sister's home. However, the home was too small to accommodate her two older boys, so they were forced to move out on their own with little warning and before they were financially prepared to do so. This separation created conflict, anxiety, and feelings of guilt. Ms. Nogales describes the tension:



Well, for one thing, I think my boys are jealous because I'm providing for [my daughter] and not helping them out. So of course they're jealous...My daughter and I have moved in with my sister, which I never thought I would ever have to do. Never thought I would be living with my sister at this age. One of the boys comes and stays periodically with me and with a friend and the other one stays with a friend.



She goes on to express concerns about her son's anger:



My 18-year-old has been in trouble with fighting...But not with the other son, with other people...He has a lot of anger.



The foreclosure has hindered her daughter's education and emotional state. After the family lost their car due to financial difficulties, her daughter had no other means to get to school. She was forced to transfer to an online program to complete high school. Removed from her friends and social network, the daughter became withdrawn and depressed.



Ms. Nogales' extended family used to help each other during hard times. Unfortunately, the entire family is now struggling financially.



My parents are still here and their house actually is in the process of probably going into foreclosure. So it could end up where about seven of us are all living in one place and, of course, we won't even know where that is yet, depending on the house with my sister. Ours is like a domino effect. It's like one went into foreclosure, then another one, because we're all trying to help each other financially. But we're having to not pay this to help pay that to keep this house and it just gets―it worked for a little while. It's not working anymore.



Ms. Nogales is concerned about the extinction of the American Dream. She worries about how this economic crisis promises a very difficult start for the next generation entering the workforce and the housing market.



I think my kids are just finally looking at it going, "Oh, my gosh. We thought we were going to have [the American Dream]." I mean they're seeing [the dream vanish], too. They're seeing me struggle.



I don't think [the American Dream] is available and likely to happen for a lot of people. I feel bad for these people that come out of college. My kids are going to be going into college, hopefully. I don't know what kind of future they're going to have with being able to come out of school. I feel scared for them and sorry for them for what the next ten years are going to be like for our youth.



Unfortunately, many more families will suffer this way before the foreclosure crisis subsides. In fact, 1.3 million Latino families are expected to lose their home between 2009 and 2012. The Nogales family's story is just one among millions. By sharing their story, we hope to give a face to a crisis often glossed over by complicated economic theories and staggering statistics. To get beyond the numbers, NCLR is recording the human realities of foreclosure to give struggling families a voice before decision-makers who have the power to curb the rate of home loss. If you or someone you know has been affected by the risk of losing his or her home, I encourage you to share your story.







Foreclosure Mediation Programs Succeed Across The Country — Will Pawlenty Give Minnesota’s A Chance?


Today, across the country, mortgage mediation programs aimed at helping struggling homeowners stay in their homes are getting underway. Programs are launching in Maryland, as well as Florida’s 6th and 10th judicial circuits — encompassing Pasco, Pinellas, Hardee, Highlands, and Polk counties — while Cook County, Illinois is beginning a huge round of outreach for its burgeoning program.


In all, “the number of jurisdictions with foreclosure mediation programs is nearly double the number a year ago, with jurisdictions in 21 states now offering foreclosure mediation or negotiation programs.” Not on this list, however, is Minnesota, where Gov. Tim Pawlenty (R) saw fit to veto a program last year.


The Minnesota state senate recently passed the bill again, sending it to the state House, so Pawlenty could very well get a second shot soon. And there’s simply no reason for him to oppose the program, as mediation — during which a bank meets face-to-face with a borrower, often in the presence of a judge and housing advocates, to try and forge a mortgage modification or other arrangement that prevents a foreclosure — is one of the most successful methods of helping struggling borrowers stay in their homes.


Connecticut’s mediation program, for instance, has kept 60 percent of its borrowers out of foreclosure. Philadelphia’s success rate is also 60 percent, while Nevada claims an 85 percent success rate:



About 80 percent of homeowners at risk of losing their homes don’t engage in any efforts to negotiate with their lender. And those who do so on their own often run into a bureaucratic mess, including hours on hold, lost records, and customer service representatives who know nothing about the borrower’s situation. Mediation helps to ensure that situations like that don’t happen.


“These new protections empower our fellow Marylanders, putting them on a more equal footing with mortgage companies that too often can’t be bothered to pick up the phone before beginning a foreclosure proceeding against a Maryland family,” said Governor Martin O’Malley (D). And lest Pawlenty think this is a purely partisan issue, it has also won the praise of Gov. Jodi Rell (R-CT). “Clearly, mediation is an effective tool homeowners can use to ward off foreclosure,” she said. “This program is a beacon of hope for hard-pressed homeowners and a real alternative for lenders.”


In mediation, there’s no requirement for a lender to accommodate a borrower, but it’s often the case that preventing a foreclosure is in the best financial interest of both the borrower and the lender. As CAP’s Andrew Jakabovics and Alon Cohen wrote, “the simple act of participating in mediation consistently yields solutions short of foreclosure that are acceptable to both sides.” Hopefully, should the Minnesota legislature do the right thing and create a program, Pawlenty will allow it to stand.





Mike Fuljenz Mike Fuljenz

Bill Clark Foreclosure Home in Seaspray Cove, Southport by Broker Shawn


























Friday, July 2, 2010

foreclosure statistics


"The U.S. health care system was already facing a shortage of approximately 150,000 doctors in the next decade or so, but thanks to the health care "reform" bill passed by Congress, that number could swell by several hundred thousand more Source: American Medical Association via thetruthwins.com"



The "source" was the AAMC, not the AMA. Your primary source, thetruthwins.com, states that the US "will likely face a shortage of as many as 150,000 doctors", whereas the WSJ article it references states,

"At current graduation and training rates, the nation could face a shortage of as many as 150,000 doctors in the next 15 years, according to the Association of American Medical Colleges."

A minor grievance and semantics it may be, but "could" is hardly the same as "will likely". However, the WSJ article cites the true cause of the shortage as the number of available resident positions, rather than the boom in newly covered patients, as the ultimate cause of doctor shortages.



"There is a shortage of medical resident positions...Teaching hospitals rely heavily on Medicare funding to pay for these slots. In 1997, Congress imposed a cap on funding for medical residencies, which hospitals say has increasingly hurt their ability to expand the number of positions."



To imply that the latest health care reform bill is the straw that breaks the camel's back is to be less than truthful. It may increase the doctor to patient ratio, but the shortage will never be resolved until this resident bottleneck is addressed. Also, in your same source article on thetruthwins.com, the author plainly states, "According to a survey published in a recent issue of the New England Journal of Medicine, nearly one-third of all practicing physicians in the United States may leave the medical profession because of the health care legislation that was just passed." This is libel, at best. The NEJM is not responsible for the study, and the provided link points to yet another link, stating "the opinions expressed in the article linked to above represent those of The Medicus Firm only. That article does not represent the opinions of the New England Journal of Medicine or the Massachusetts Medical Society." As an astute commenter on thetruthwins.com points out:



"That survey was reported on not published by the NEJM. Being published by them requires the survey to be peer reviewed, being reported requires it only be newsworthy. Reading the methodology of the study is has numerous problems the biggest being:

1. The sample wasn’t truly random.

2. There are no control questions."



I'll add to that that the Medicus Firm, the company that conducted the study, " highest quality permanent physician recruitment services to our clients." Their clients being hospitals or other facilities in need of medical staffing. A conflict of interest, to be sure, as it would be in the Medicus Firm's best interest to present the worst case scenario. When the impending mass exodus of doctors from the medical field does occur, why not hire a"a physician search firm that can produce timely and impressive results without creating undue financial strain"? Why not hire Medicus? Internet journalism at it's finest.


Black women have emerged triumphant in May’s official unemployment data, with a decrease of 10 per cent in unemployment from 13.7 per cent in April to 12.4 per cent in May.



Data from the U.S. Bureau of Labor Statistics positioned black women as the strongest performing demographic in the decline of unemployment across race and gender categories.


There was no change to the rate of unemployment of white women, which might suggest a reduction to the large unemployment gap between black and white women.


However, since February  the unemployment rate of white women has decreased one percentage point to 7.4 per cent, while that of black women has fluctuated around a rate of 13 per cent. This represents a difference of approximately 65 per cent.




Additional data compared across the twelve months from May 2009 to May 2010 indicate that the amount of black women in employment fell almost 1 percentage point from 56.5 to 55.6.


Education was also a factor in last month’s data, as unemployment levels for those without a high school diploma remained three times higher than those who had graduated.


The 52 per cent gap between the unemployment rates of black and white teenagers however remained largely unchanged.


White teenagers suffer an unemployment rate of 24.4 per cent, while 37.3 per cent of black teenagers are currently without work.


US economic data has been positive in recent times. A survey by Manpower Inc. suggested that of the 18,000 employer participants, 18 per cent were considering increasing their staff in the third quarter.


Some areas of the country however are particularly unfavourable for black workers.


Economic Policy Institute, based in Washington, released a study Tuesday highlighting total black unemployment rates of 20.9 per cent, 20.4 per cent and 13.3 for Detroit, Minneapolis and St. Louis respectively.


RELATED:


Multiple Crises Dampen U.S. Optimism


Black Residents In Memphis Lose Decades Economic Of Gains



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Chicago Illinois Foreclosure Statistics 2006-2008 by foreclosurepro

Monday, June 21, 2010

personal finances help





Hullabaloo










Thursday, June 17, 2010




 

Shakedown

by digby


It doesn't get any better than this:



Daily Kos reports:

According to Barton, asking BP to set up an escrow account to compensate victims of BP's disaster was a criminal action -- a "shakedown" as he put it. Barton's not alone: his comments echo those made by other Republicans in recent days, including Michele Bachmann, Haley Barbour, and Tom Price.

Update 1 -- GOP Rep. Marcia Blackburn continues the "give BP a break" theme from the Republican Party, saying "the current administration deserves a significant portion of the blame for the oil spill." I guess BP would have loved an apology from her, but at least she told them that it really wasn't all their fault.

Update 2 -- GOP Rep. Phil Gingrey continues the "attack Obama, not BP" message from Republicans, saying he's looking forward to testimony from the administration. You could feel the GOP love from Hayward, pleased that yet another Republican was taking heat off his company.


Joe Barton knows a little bit about shakedowns. After all he's taken many millions in campaign cash from the oil industry. But he doesn't stop at just campaign money:
Wednesday, February 3, 2010 By DAVE MICHAELS / The Dallas Morning News
dmichaels@dallasnews.com

WASHINGTON – Rep. Joe Barton has earned nearly $100,000 from an interest in natural gas wells that he purchased from a longtime campaign donor who also advised the congressman on energy policy, according to interviews and records.

At a hearing last month of the House Energy and Commerce Committee, Barton said he was "a small, small partner in a natural gas well in Johnson County in the Barnett Shale that is probably my 4-year-old son's college education." He later told a reporter that he couldn't remember precisely how he obtained the interest.

Land records show that Barton, R-Arlington, purchased his interest from Walter G. Mize, a Cleburne businessman who donated more than $30,000 to Barton's campaigns.

Mize urged Barton to create a federal oil and gas research program that was included in a 2005 energy law. Barton's ties to Mize, who died in 2008, go back 20 years, according to friends of both men.

Barton's interest could become controversial at a time when Congress is considering sweeping energy legislation that would boost demand for natural gas. Congressional experts say such deals raise ethical questions for lawmakers, who are expected by the public to maintain a firewall between their personal finances and official duties.

"If you are elected as a public servant to try to do what is right for the public generally and then you use that position to help bring in material wealth, I think it's unethical," said James Thurber, a distinguished professor of government at American University.

Yeah, I would guess most people agree with that.


.





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(CNN) - New York State Attorney General Andrew Cuomo formally announced Saturday that he's running for governor.


"My campaign is this simple: I represent the people of the great state of New York and we want our government back," says Cuomo, in a video released by his campaign. Cuomo was scheduled to hold a formal campaign kick off event Saturday afternoon in New York City.


New York's current governor, fellow Democrat David Paterson, announced in March that he would not run this year for a full term in office. Paterson became governor in 2008 after Eliot Spitzer resigned in disgrace following a sex scandal.


Cuomo, the son of former three-term New York Gov. Mario Cuomo, has been widely expected for many months to make a bid for Paterson's job.


"Our state government in Albany is disreputable and discredited. New York State is upside down and backwards. High taxes and low performance. The New York State government was at one time a national model. Now unfortunately it's a national disgrace," adds Cuomo. "We must use this moment to reorganize the government, reform its ethics, and restructure its finances to solve the problems we have ignored for too long."



Polls in the Empire State indicate that New York State voters overwhelming support Cuomo for his work as the state's top law enforcement official. Surveys also suggest that Cuomo holds very large leads over possible Republican contenders in hypothetical general election matchups. Former Rep. Rick Lazio, Suffolk County Executive Steve Levy - a Democrat turned Republican - and Buffalo businessman Carl Paladino, are among the leading contenders for the GOP gubernatorial nomination. Cuomo also holds a large fundraising lead over his opponents.


Cuomo's announcement comes three days before New York State Democrats hold their nominating convention.


The 52-year-old Cuomo was secretary of Housing and Urban Development in President Bill Clinton's second term. He unsuccessfully ran for the Democratic gubernatorial nomination in New York in 2002, which was followed by a messy public divorce from his wife, Kerry Kennedy. Cuomo bounced back in 2006 to win the state's attorney general seat.


In his video, Cuomo spoke openly about his difficult times earlier this decade: "A few years ago I ran for governor and I lost and I then went through a very difficult time in my personal life. It was a public humiliation. People said it was over for me. They said my public service career was finished. There

was no way that I could come back. Some days even I thought they were right. Well it wasn't easy, but I worked hard, and with the help of true friends and family I built back. And with the compassion and empathy of New Yorkers you gave me a second chance."


In the past two years Cuomo has been back in the national spotlight, as his office has investigated corruption on Wall Street.


Follow Paul Steinhauser on Twitter: @psteinhausercnn



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Intuit's Quicken was one of the software programs that was bundled with the first computer I owned and I have been using it ever since. What I love about Quicken is that it uses a familiar and user friendly interface that makes sense to the average user. Working in Quicken is just like balancing your checkbook.

Quicken's most powerful features are released by linking your accounts to the program. This can be accomplished in one morning of work if you are organized. I have all my checking accounts, savings accounts, mutual funds, mortgages, and auto loans linked to Quicken. When the program is opened the latest financial transactions are downloaded from your various accounts and you have an instant snap shop of your financial picture.

Twice a month I spend a couple of hours in Quicken planning my cash flow. At the start of the month I estimate all of my income, I input my fixed expenses and estimate my other expenses. (These tasks can all be automated if you prefer). In the middle of month, I do an update to see where I am. My bank account downloads all of my transactions and I compare them to my beginning of the month plan. It has been a great way to get control of my finances.

Quicken has many features beyond basic cash flow planning. It has excellent charts that allow you to see how your money has been spent, what your income and expense trends have been and are projected to be and that gives you a snapshot of your net worth. You can print out very detailed reports with the program, print your checks and sign up for Quicken's bill paying service.

A feature that users in today's financial climate will find especially useful is the programs debt elimination wizard. This wizard collects all of your financial data and helps you create a strategy for getting rid of debt as quickly possible. The wizard also tracks how you are doing on your plan and offers suggestions for getting you back on track.

Quicken's retirement and investment planning features and wizards are very helpful and easy to use. These give you a realistic picture of what you need to do in order to reach your investment goals and tracks how you are doing.

Quicken is an old standby in the financial software market that still does the trick.


Crude Oil Up On Chinese Yuan <b>News</b>, Gold Holding Up As $1250 <b>...</b>

The bias remains up in crude oil and news out of China that the country plans to allow more flexibility in its exchange rate is just more fuel for an already.

Stock Market <b>News</b> For 21 June: BP, Royal Dutch Shell, Citigroup <b>...</b>

UK UK Banks - George Osborne will on Tuesday announce a GBP 3bln tax on banks while promising lower taxes for other businesses. In his first budget, the.

Breaking <b>News</b>: Chief of Staff Rahm Emanuel Quitting White House <b>...</b>

Rahm Emanuel is rumored to be quitting the White house before the year is out.






























Friday, February 26, 2010

Franchise Prices



This review was originally published, by the same author, on www.stadiumjourney.com.


Welcome to the RBC Center, home of the Carolina Hurricanes, North Carolina State Wolfpack, and 18,680 other screaming fans. Located just around 10 minutes north of downtown Raleigh, North Carolina, the arena is well into its 11th season but just as strong as ever. It’s also been home to some incredible accomplishments over the years, including, most famously, the Hurricanes Stanley Cup title in June 2006.


Despite plenty of usage over the years, the RBC Center still looks and seems like one of the newest arenas in the NHL. It’s already housed hundreds of basketball and hockey games, concerts, rodeos, comedians, and even the NHL draft in the decade since its original opening in October 1999, but shows no signs of wear and tear so far.


As they say, “every seat in the arena is the best seat in the arena”, and that saying definitely holds true as soon as you enter the building. From the large glass windows lining much of the front, to the red-carpet second level, to the bathrooms that look more like they belong in a fancy New York City hotel, and even to the massive selection of concessions (ranging from Hardees to a built-in restaurant), the RBC Center is about as elegant of an arena that you can find for any sporting event, anywhere.


 


Welcome to Raleigh, North Carolina


Over the years, Raleigh, normally thought of as a fast growing city known for its three nearby universities, has also become perhaps the largest hockey fanbase anywhere in the southern United States. After the franchise announced its relocation from Hartford, Connecticut in 1996, Raleigh began to prepare to house their first professional sports team ever. After the RBC Center (originally named the ESA Arena) was finished in 1999 and the team stopped playing their games in nearby Greensboro, the city residents began warming up to hockey, and they’ve just gotten more and more dedicated with every passing season.


My visit involved quite interesting and unusual settings, as although Raleigh is not known for having cold winters, the night before the game had brought seven inches of snow, two more inches of ice sealing in the snow, and had completely “paralyzed the town”, as the visiting Hawks announcer quoted on the television broadcast.


Despite less than 7,000 fans showing up for the game, and nearly a third of them seemingly Blackhawks fans, the game was still a great contest. A Carolina 4-2 victory ended up sending 'Canes faithful into a frenzy and backing up traffic for the entire parking lot, but it was definitely an enjoyable game to attend, and it most certainly wouldn’t have been the same without the magic and glamour of the RBC Center.


 


Food & Beverage – 5 out of 5


The food and beverage offered at the RBC Center is among the highest quality anywhere. Not only do they have a very wide range of concessions, but they are also reasonably priced and easy to find on all levels of the arena.


The RBC Center’s general concession booths offer 19 different choices, ranging from “Sausage Stop” (sausage, naturally) to “Dippin’ Dots” (ice cream) to “Hardees” (general concessions) to “Sinfully Sinnamon” (desserts). These stands are available around the arena in the 100’s and 300’s sections, respectively. The RBC Center also has conveniently-placed non-brand style concessions stands, selling the expectable sodas, nachos, candies, soft pretzels, and other common sporting event foods. All of these snacks are available at good prices, although the beverages are slightly on the overpriced side at times.


Also scattered throughout the arena are various clubs and bars, ranging from “Pub 300” to “The Carvery” (yes, I know it sounds like a fancy neighborhood) to “The Locker Room”. On the second level (200’s), complete with dim lighting and a red carpet, there are also several built in restaurants to catch the action while or after dining. Visit rbccenter.com to find out more about how to book reservations and additional information about these restaurants.


 


Atmosphere – 4 out of 5


The RBC Center might have only been finished building 11 years ago, but it’s already piled up its fair share of history and earned the atmosphere you can only feel from a very dedicated fanbase. Below the hanging jerseys and championship banners hanging from the rafters, the RBC Center has been home to ACC Championships in basketball and Stanley Cup titles in hockey.


Although many of the retired jerseys and such were earned long before the turn of the century, this arena is not only fancy and historical but it also has the feel of a true hockey stadium. The chants along to the blaring air-horn of “Lets go ‘Canes!” seem to amp up the electricity several volts, and each goal sends every fan out of their seats as they high-five along to the blaring goal horn, known as one of the loudest and longest in the NHL.


 


Neighborhood – 1.5 out of 5


Although the RBC Center excels at almost every category possible in grading, the surrounding neighborhood is one of only a few sections that doesn’t receive high marks. Besides being right next to N.C. State football’s Carter Finley Stadium, the surrounding neighborhood mostly consists of that, a very large parking lot, and a forest. The closest buildings outside of the wooded lot are a hospital and several large office complexes, and it doesn’t get much better until about two or three miles away once you begin to enter the Crabtree commercial “basin”, known for its frequent flooding, which ruins the lower floor of the mall about every couple years.


There is one shopping center that includes a few fast food restaurants and one Southwestern restaurant at the corner of Edwards Mill and Duraleigh, just slightly north of the RBC Center exits. However, most fans decide to get what they want to eat inside the arena rather than hanging out at one of the few and scattered bars in the surrounding area.


Nearby Restaurants


Bella Monica


Offering quaint southern-style Italian cuisine, but known mostly as one of the best pizza places in town, Bella Monica is just a great nearby restaurant. Reasonable rates are also offered in their welcoming family environment. Bella Monica’s is located near the west entrance on Edwards Mill Rd. While perhaps not the most suiting to more hard-core hockey fans looking for a place to hang out with a drink or two after the game, Bella Monica is simply a must-visit.




Fans – 4.5 out of 5


Are there fans in the RBC Center? Not really. So should I have rated this section a 0? No, because the attendees aren’t fans; they’re lunatics.


Although sellouts are and have always been extremely rare, even in the 2009 playoffs, every single fan, young or old, in attendance is always completely devoted and involved in their Carolina Hurricanes. As you can see in the link about for the goal horn, a Carolina score sends the arena wild. So one stays sitting…it’s just the rule. North Carolina might be a southern state, but every fan knows what hockey’s all about, and they’re all completely dedicated to cheering on their team during the game at hand.


 


Access – 3 out of 5


The RBC Center focuses more on the game at hand and the fan’s comfort while cheering on their ‘Canes, but access is most certainly reasonable at all levels. Parking is on the expensive side (a 10-minute walk usually costs about $10, rates can be up to $15 to $20 closer in) and traffic can get quite clogged up after games, as there are only two two-lane exits, but the parking directors do a good job keeping cars moving heading into the lots and also keep parkers orderly and well organized. There are a few tricks that regulars know to get into the better sections, which is more or less choosing a lane to enter in, but mostly, parking is not a major issue.


Inside, bathrooms and staircases have very high levels of quality. Both are conveniently placed and plentiful, and are cleaned thoroughly. Restrooms also offer 10 sinks, and nearly 20 stalls & toilets. Both are very sanitary and much better than any spectator would expect at any sporting event.


 


Return on Investment – 3 out of 5


Both sides of this calculation are on the high side. While many expenses such as parking, food, and tickets are slightly (but not too much) over-average, there is a very high quality of…well, everything. Concession prices are fairly reasonable for sporting events despite being much higher than a grocery store costs, but that is made up for by a huge variety of choices. Parking, like explained earlier, is a little painful, giving that you’re only attending an NHL game and not a football match, but this is definitely survivable. Most other costs are also reasonably priced for such high standards.


As for tickets, a front-row seat usually costs $225, and most other lower level seats start at $80. If you’re not ready to get quite that upscale, upper level tickets can be found for costs anywhere from $30 to $60. Visit hurricanes.nhl.com to check out upcoming ‘Canes games and tickets for yourself.


 


Etc. & Bonus Points – 5 out of 5


The RBC Center blows away all competition in etcetera section, by far. It’s cleanliness and high quality is just something that can’t be described in a review, no matter how long we try. The parking lot, the bathrooms, the seats, the hallways, the restaurants…everything is the best quality possible (and this is for an 11-year old arena) and also kept up very well by the cleaning crew.


Seating is also a large plus for the Center. Despite their size and location, rafters, retired hanging jerseys, and the “jumbotron” do not obstruct any views from anywhere in the arena. Each section also offers different incentives for all types of hockey fans. Lower level seating is definitely more expensive, but adds to the atmosphere and also gives you a chance at picking up a prize, ranging from a “Bailey’s box of jewelry” to a “Stormy t-shirt”, and it also might give you a chance to enter in the classic “human hamster race” during the second intermission, which is just so funny you have to see it for yourself. For the more price-limited fans, there’s always the third level, which has benefits of its own, too.


 


Final Grade – 26 out of 35 possible


With every category added up, the RBC Center comes out with an impressive score of 26 out of 35 possible. While the neighborhood and parking aren’t great, Raleigh’s arena sets the NHL standard in nearly every quality level in the book. Hopefully, this review will prepare everyone from a first-time fan to the experience lunatic for their next visit. But, really, the RBC Center can’t be described in words. You just have to see it for yourself.




Mark Jones is currently Bleacher Report's featured columnist for the Carolina Hurricanes. In his 17 months so far with the site, he has written over 150 articles and received over 100,000 total reads.


Visit his profile to read more.









Last year, the Chicago city council expressed outrage when the Art Institute DARED to raise admission prices. They even went so far as to threaten to levy Chicago Park District sanctions if the museum insisted on retaining the increases. (The Art Institute leases their property from the C.P.D.)



Yet year after year, eight out of the last nine as the article states, the Bears are given carte blanche to rake Chicagoans over the coals to line the pockets of a few in a privately owned company leasing and playing on park district property as well (Soldier Field), without even the slightest whimper from the aldermen and Richie Daley.



The silence is deafening. And sickening.









The promise of low prices has certainly gone international. 

While many are aware of the spread of Wal-Mart, both locally and globally, it is stretching to some countries in the Far East that may be surprising. 

While countries in the Far East have long been providing products and services, a new partnership has developed between a Western and Eastern corporation, both of which are highly successful. Indeed, this partnership is expected to have promising outcomes both for the western and eastern markets. 

Wal-Mart has existed in China for a while now and it is opening in India this fall. Wal-Mart will be opening in New Delhi in 2007, partnering with Bharti Enterprises Ltd. 

India is Asia's fourth-largest economy and the Chairman of Bharti Enterprise said he expects that several hundred stores will be built across India in the next 4-5 years. 

The two firms are expected to co-invest an amount of $1.46 billion. 

The Indian retail industry is currently at about $300 billion and is scheduled to grow to $427 billion in 2010 and $637 billion in 2015. Small local stores currently account for 97% of the market. 

The venture is supposedly a winning combination. Bharti's execution capability and Wal-Mart's logistics skill are expected to be a powerful combination in India's market. 

Bharti is already somewhat of a household name in telecoms, and the company will continue to grow and earn a strong execution reputation. 

Shares in Bharti's telecoms unit rose 2.6 percent on Monday, just after the deal was announced. 

The partnership with equal stakes will operate in areas where the government allows foreign investments. 

The retail shops will be owned by Bharti Enterprises and will be under the Wal-Mart franchise. The purpose is to not only grow Bharti Enterprises, but also to give Indians the guarantee of low-prices that Wal-Mart is so well known for. 

Bharti also currently has a partnership with El Rothschild group for FieldFresh which supplies fresh produce to overseas retailers. 

Wal-Mart currently has an office in India and anticipates stepping up its sourcing of items like apparel, textiles and shoes from India. These items brought in more than $1.6 billion this year. 

While Wal-Mart's US competitors including Target, Kohl's and K-mart offer competition with the US, the Asian and Latin American market give Wal-Mart more room to grow. 

Wal-Mart is expected to expand rapidly within China and Latin America. 

The Indian market is also growing and foreign retailers are working hard to keep up with India's rapidly growing economy. Multiple-brand retailers, however, are only allowed to operate in India through franchises and licensees.
It is intended that through the regulatory framework that is setup in India, no foreign company will be able to plow over an Indian retailer. 

Retail of India currently makes up 3 percent of the market, which is quite low compared to China's 20% and Thailand's 40%. India's retail percentage is expected to raise at least 15-18% in the next 5-6 years. 

Other news in Wal-Mart's International business involves banking in Mexico. 

That's right, Wal-Mart de Mexico is expected to start a bank next year. This will be Wal-Mart's first banking operation.
Wal-Mart currently offers loans in Mexico City. The plan to plunge into the banking business will improve  competitiveness in Mexico's financial industry. 

Mexico's current financial industry is dominated by a few foreign giants including; BBVA, Citigroup, Santander, and HSBC. 

The foreign-owned banks have brought life back to Mexico's financial system; they are not as competitive as they could be according to numerous critics. 

These foreign-owned banks are accused of charging ridiculously high fees and interest rates. The government is hoping that banks run by Wal-Mart de Mexico will increase competition and that the financial industry will be more focused on low-income consumers, a large majority of Mexican citizens that the bigger foreign banks have ignored. 

Retail banks in Mexico could have several problems warn critics. 

Retailers may dip into their banks for cash if the need arises. 

In order to allow more competition, there also needs to be supervision which has a handle on how things are growing and how all funds are being handled.








This review was originally published, by the same author, on www.stadiumjourney.com.


Welcome to the RBC Center, home of the Carolina Hurricanes, North Carolina State Wolfpack, and 18,680 other screaming fans. Located just around 10 minutes north of downtown Raleigh, North Carolina, the arena is well into its 11th season but just as strong as ever. It’s also been home to some incredible accomplishments over the years, including, most famously, the Hurricanes Stanley Cup title in June 2006.


Despite plenty of usage over the years, the RBC Center still looks and seems like one of the newest arenas in the NHL. It’s already housed hundreds of basketball and hockey games, concerts, rodeos, comedians, and even the NHL draft in the decade since its original opening in October 1999, but shows no signs of wear and tear so far.


As they say, “every seat in the arena is the best seat in the arena”, and that saying definitely holds true as soon as you enter the building. From the large glass windows lining much of the front, to the red-carpet second level, to the bathrooms that look more like they belong in a fancy New York City hotel, and even to the massive selection of concessions (ranging from Hardees to a built-in restaurant), the RBC Center is about as elegant of an arena that you can find for any sporting event, anywhere.


 


Welcome to Raleigh, North Carolina


Over the years, Raleigh, normally thought of as a fast growing city known for its three nearby universities, has also become perhaps the largest hockey fanbase anywhere in the southern United States. After the franchise announced its relocation from Hartford, Connecticut in 1996, Raleigh began to prepare to house their first professional sports team ever. After the RBC Center (originally named the ESA Arena) was finished in 1999 and the team stopped playing their games in nearby Greensboro, the city residents began warming up to hockey, and they’ve just gotten more and more dedicated with every passing season.


My visit involved quite interesting and unusual settings, as although Raleigh is not known for having cold winters, the night before the game had brought seven inches of snow, two more inches of ice sealing in the snow, and had completely “paralyzed the town”, as the visiting Hawks announcer quoted on the television broadcast.


Despite less than 7,000 fans showing up for the game, and nearly a third of them seemingly Blackhawks fans, the game was still a great contest. A Carolina 4-2 victory ended up sending 'Canes faithful into a frenzy and backing up traffic for the entire parking lot, but it was definitely an enjoyable game to attend, and it most certainly wouldn’t have been the same without the magic and glamour of the RBC Center.


 


Food & Beverage – 5 out of 5


The food and beverage offered at the RBC Center is among the highest quality anywhere. Not only do they have a very wide range of concessions, but they are also reasonably priced and easy to find on all levels of the arena.


The RBC Center’s general concession booths offer 19 different choices, ranging from “Sausage Stop” (sausage, naturally) to “Dippin’ Dots” (ice cream) to “Hardees” (general concessions) to “Sinfully Sinnamon” (desserts). These stands are available around the arena in the 100’s and 300’s sections, respectively. The RBC Center also has conveniently-placed non-brand style concessions stands, selling the expectable sodas, nachos, candies, soft pretzels, and other common sporting event foods. All of these snacks are available at good prices, although the beverages are slightly on the overpriced side at times.


Also scattered throughout the arena are various clubs and bars, ranging from “Pub 300” to “The Carvery” (yes, I know it sounds like a fancy neighborhood) to “The Locker Room”. On the second level (200’s), complete with dim lighting and a red carpet, there are also several built in restaurants to catch the action while or after dining. Visit rbccenter.com to find out more about how to book reservations and additional information about these restaurants.


 


Atmosphere – 4 out of 5


The RBC Center might have only been finished building 11 years ago, but it’s already piled up its fair share of history and earned the atmosphere you can only feel from a very dedicated fanbase. Below the hanging jerseys and championship banners hanging from the rafters, the RBC Center has been home to ACC Championships in basketball and Stanley Cup titles in hockey.


Although many of the retired jerseys and such were earned long before the turn of the century, this arena is not only fancy and historical but it also has the feel of a true hockey stadium. The chants along to the blaring air-horn of “Lets go ‘Canes!” seem to amp up the electricity several volts, and each goal sends every fan out of their seats as they high-five along to the blaring goal horn, known as one of the loudest and longest in the NHL.


 


Neighborhood – 1.5 out of 5


Although the RBC Center excels at almost every category possible in grading, the surrounding neighborhood is one of only a few sections that doesn’t receive high marks. Besides being right next to N.C. State football’s Carter Finley Stadium, the surrounding neighborhood mostly consists of that, a very large parking lot, and a forest. The closest buildings outside of the wooded lot are a hospital and several large office complexes, and it doesn’t get much better until about two or three miles away once you begin to enter the Crabtree commercial “basin”, known for its frequent flooding, which ruins the lower floor of the mall about every couple years.


There is one shopping center that includes a few fast food restaurants and one Southwestern restaurant at the corner of Edwards Mill and Duraleigh, just slightly north of the RBC Center exits. However, most fans decide to get what they want to eat inside the arena rather than hanging out at one of the few and scattered bars in the surrounding area.


Nearby Restaurants


Bella Monica


Offering quaint southern-style Italian cuisine, but known mostly as one of the best pizza places in town, Bella Monica is just a great nearby restaurant. Reasonable rates are also offered in their welcoming family environment. Bella Monica’s is located near the west entrance on Edwards Mill Rd. While perhaps not the most suiting to more hard-core hockey fans looking for a place to hang out with a drink or two after the game, Bella Monica is simply a must-visit.




Fans – 4.5 out of 5


Are there fans in the RBC Center? Not really. So should I have rated this section a 0? No, because the attendees aren’t fans; they’re lunatics.


Although sellouts are and have always been extremely rare, even in the 2009 playoffs, every single fan, young or old, in attendance is always completely devoted and involved in their Carolina Hurricanes. As you can see in the link about for the goal horn, a Carolina score sends the arena wild. So one stays sitting…it’s just the rule. North Carolina might be a southern state, but every fan knows what hockey’s all about, and they’re all completely dedicated to cheering on their team during the game at hand.


 


Access – 3 out of 5


The RBC Center focuses more on the game at hand and the fan’s comfort while cheering on their ‘Canes, but access is most certainly reasonable at all levels. Parking is on the expensive side (a 10-minute walk usually costs about $10, rates can be up to $15 to $20 closer in) and traffic can get quite clogged up after games, as there are only two two-lane exits, but the parking directors do a good job keeping cars moving heading into the lots and also keep parkers orderly and well organized. There are a few tricks that regulars know to get into the better sections, which is more or less choosing a lane to enter in, but mostly, parking is not a major issue.


Inside, bathrooms and staircases have very high levels of quality. Both are conveniently placed and plentiful, and are cleaned thoroughly. Restrooms also offer 10 sinks, and nearly 20 stalls & toilets. Both are very sanitary and much better than any spectator would expect at any sporting event.


 


Return on Investment – 3 out of 5


Both sides of this calculation are on the high side. While many expenses such as parking, food, and tickets are slightly (but not too much) over-average, there is a very high quality of…well, everything. Concession prices are fairly reasonable for sporting events despite being much higher than a grocery store costs, but that is made up for by a huge variety of choices. Parking, like explained earlier, is a little painful, giving that you’re only attending an NHL game and not a football match, but this is definitely survivable. Most other costs are also reasonably priced for such high standards.


As for tickets, a front-row seat usually costs $225, and most other lower level seats start at $80. If you’re not ready to get quite that upscale, upper level tickets can be found for costs anywhere from $30 to $60. Visit hurricanes.nhl.com to check out upcoming ‘Canes games and tickets for yourself.


 


Etc. & Bonus Points – 5 out of 5


The RBC Center blows away all competition in etcetera section, by far. It’s cleanliness and high quality is just something that can’t be described in a review, no matter how long we try. The parking lot, the bathrooms, the seats, the hallways, the restaurants…everything is the best quality possible (and this is for an 11-year old arena) and also kept up very well by the cleaning crew.


Seating is also a large plus for the Center. Despite their size and location, rafters, retired hanging jerseys, and the “jumbotron” do not obstruct any views from anywhere in the arena. Each section also offers different incentives for all types of hockey fans. Lower level seating is definitely more expensive, but adds to the atmosphere and also gives you a chance at picking up a prize, ranging from a “Bailey’s box of jewelry” to a “Stormy t-shirt”, and it also might give you a chance to enter in the classic “human hamster race” during the second intermission, which is just so funny you have to see it for yourself. For the more price-limited fans, there’s always the third level, which has benefits of its own, too.


 


Final Grade – 26 out of 35 possible


With every category added up, the RBC Center comes out with an impressive score of 26 out of 35 possible. While the neighborhood and parking aren’t great, Raleigh’s arena sets the NHL standard in nearly every quality level in the book. Hopefully, this review will prepare everyone from a first-time fan to the experience lunatic for their next visit. But, really, the RBC Center can’t be described in words. You just have to see it for yourself.




Mark Jones is currently Bleacher Report's featured columnist for the Carolina Hurricanes. In his 17 months so far with the site, he has written over 150 articles and received over 100,000 total reads.


Visit his profile to read more.









Last year, the Chicago city council expressed outrage when the Art Institute DARED to raise admission prices. They even went so far as to threaten to levy Chicago Park District sanctions if the museum insisted on retaining the increases. (The Art Institute leases their property from the C.P.D.)



Yet year after year, eight out of the last nine as the article states, the Bears are given carte blanche to rake Chicagoans over the coals to line the pockets of a few in a privately owned company leasing and playing on park district property as well (Soldier Field), without even the slightest whimper from the aldermen and Richie Daley.



The silence is deafening. And sickening.





IMG_0527 by jeansweibli


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