Category: People

Wet eyes warning!

Sent to me by Capt. Bob D., whom I have known for many years.

The video has been widely published on many blogs but so what!  It involves a school of dolphins becoming stuck on the beach in Brazil and they get rescued by a group of upstanding citizens.  Just 4 minutes long but not short on displaying the love man has for these wonderful animals.  Would be nice if we held all animals with equal esteem.

A damming indictment!

Life’s strange quirks.

I’m very grateful to John H., a dear friend back in Payson, for forwarding this to me.  Enjoy!

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This is an actual letter sent to a man named Ryan DeVries regarding a pond on his property. It was sent by the Pennsylvania Department of Environmental Quality, State of Pennsylvania . This guy’s response is hilarious, but read the State’s letter before you get to the response letter, you won’t stop once you start. WOW Love this man.

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This is an actual letter: State of Pennsylvania’s letter to Mr. DeVries: 

SUBJECT: DEQ …. File No.97-59-0023; T11N; R10W, Sec 20; Lycoming County

Dear Mr. DeVries:

It has come to the attention of the Department of Environmental Quality that there has been recent unauthorized activity on the above referenced parcel of property. You have been certified as the legal landowner and/or contractor who did the following unauthorized activity:

Construction and maintenance of two wood debris dams across the outlet stream of Spring Pond.

A permit must be issued prior to the start of this type of activity. A review of the Department’s files shows that no permits have been issued Therefore, the Department has determined that this activity is in violation of Part 301, Inland Lakes and Streams, of the Natural Resource and Environmental Protection Act, Act 451 of the Public Acts of 1994, being sections 324.30101 to 324.30113 of the Pennsylvania Compiled Laws, annotated.

The Department has been informed that one or both of the dams partially failed during a recent rain event, causing debris and flooding at downstream locations.. We find that dams of this nature are inherently hazardous and cannot be permitted. The Department therefore orders you to cease and desist all activities at this location, and to restore the stream to a free-flow condition by removing all wood and brush forming the dams from the stream channel. All restoration work shall be completed no later than January 31, 2010.

Please notify this office when the restoration has been completed so that a follow-up site inspection may be scheduled by our staff. Failure to comply with this request or any further unauthorized activity on the site may result in this case being referred for elevated enforcement action..

We anticipate and would appreciate your full cooperation in this matter. Please feel free to contact me at this office if you have any questions.

Sincerely,

David L. Price
District Representative and Water Management Division.

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Here is the actual response sent back by Mr. DeVries: 

Re: DEQ File
No.. 97-59-0023; T11N; R10W, Sec. 20; Lycoming County

Dear Mr. Price,

Your certified letter dated 11/17/09 has been handed to me. I am the legal landowner but not the Contractor at 2088 Dagget Lane , Trout Run, Pennsylvania .

A couple of beavers are in the process of constructing and maintaining two wood ‘debris’ dams across the outlet stream of my Spring Pond. While I did not pay for, authorize, nor supervise their dam project, I think they would be highly offended that you call their skillful use of natures building materials ‘debris.’

I would like to challenge your department to attempt to emulate their dam project any time and/or any place you choose. I believe I can safely state there is no way you could ever match their dam skills, their dam resourcefulness, their dam ingenuity, their dam persistence, their dam determination and/or their dam work ethic.

These are the beavers/contractors you are seeking. As to your request, I do not think the beavers are aware that they must first fill out a dam permit prior to the start of this type of dam activity.

My first dam question to you is:
(1) Are you trying to discriminate against my Spring Pond Beavers, or
(2) Do you require all beavers throughout this State to conform to said dam request?

If you are not discriminating against these particular beavers, through the Freedom of Information Act, I request completed copies of all those other applicable beaver dam permits that have been issued. (Perhaps we will see if there really is a dam violation of Part 301, Inland Lakes and Streams, of the Natural Resource and Environmental Protection Act, Act 451 of the Public Acts of 1994, being sections 324.30101 to 324.30113 of the Pennsylvania Compiled Laws, annotated.)

I have several dam concerns. My first dam concern is, aren’t the beavers entitled to legal representation? The Spring Pond Beavers are financially destitute and are unable to pay for said representation — so the State will have to provide them with a dam lawyer.

The Department’s dam concern that either one or both of the dams failed during a recent rain event, causing flooding, is proof that this is a natural occurrence, which the Department is required to protect. In other words, we should leave the Spring Pond Beavers alone rather than harassing them and calling them dam names.

If you want the dammed stream ‘restored’ to a dam free-flow condition please contact the beavers — but if you are going to arrest them, they obviously did not pay any attention to your dam letter, they being unable to read English.

In my humble opinion, the Spring Pond Beavers have a right to build their unauthorized dams as long as the sky is blue, the grass is green and water flows downstream. They have more dam rights than I do to live and enjoy Spring Pond. If the Department of Natural Resources and Environmental Protection lives up to its name, it should protect the natural resources (Beavers) and the environment (Beavers’ Dams).

So, as far as the beavers and I are concerned, this dam case can be referred for more elevated enforcement action right now. Why wait until 1/31/2010? The Spring Pond Beavers may be under the dam ice by then and there will be no way for you or your dam staff to contact/harass them.

In conclusion, I would like to bring to your attention to a real environmental quality, health, problem in the area It is the bears! Bears are actually defecating in our woods. I definitely believe you should be persecuting the defecating bears and leave the beavers alone. If you are going to investigate the beaver dam, watch your dam step! The bears are not careful where they dump!

Being unable to comply with your dam request, and being unable to contact you on your dam answering machine, I am sending this response to your dam office.

THANK YOU,

RYAN DEVRIES & THE DAM BEAVERS

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Those dam beavers!

Postscript to the result

Will we see the renewed President Obama take notice of what we are doing to the planet?

But don’t hold your breath! The BBC reported that President Obama in his victory speech had “pledged to work with Republican leaders in Congress to reduce the government’s budget deficit, fix the tax code and reform the immigration system.”  All well and dandy but, perhaps, missing the big one – climate change.

OK, on to the meat of this post.

“Frankenstorm”

I first came across this reflection on Hurricane Sandy in Christine’s great blog 350 or bust.  It’s an essay written by Colin Beavan, aka “No Impact Man“, who lives in New York City and wrote a response after experiencing Hurricane Sandy last week.  I then asked Colin if I could republish his essay on Learning from Dogs and promptly received his approval.

What to do if Hurricane Sandy scared you

Dear friends,

I don’t say this often but I am scared. Not scared to the point of paralysis. Not scared enough to run away. Not scared enough to stop trying to help. Not scared enough to think we’re doomed. Just scared enough to feel worried for myself, my family, my friends, my community, my country, and my world.

I was lucky when Hurricane Sandy hit. My daughter Bella and I put on our waterproofs in the early hours and ran around Brooklyn’s Fort Greene park in the wind and rain with Frankie–our dog–and our Occupy Wall Street activist friend/hero Monica Hunken.

That night, the lights flickered a couple of times. I lost my internet for three hours. Frankie the dog hid in the upstairs bathroom bathtub. That was the extent of it.

But when I woke up, lower Manhattan was flooded and without power. All the coastal parts of Brooklyn and Queens from Red Hook to Coney Island through the Rockaways and Hamilton Beach were hammered. The wind had driven a fire through Queens that destroyed so many houses. And the world’s most amazing subway system was brought to its knees. To say nothing of poor Staten Island and coastal New Jersey.

We in the Tri-State Area didn’t get Katrina. But we got a taste of her.

Yes, there are some good parts. New Yorkers have been showing up some of the emergency shelters in such numbers that they have been turned away. There are donation drives and volunteer efforts. And about a gazillion New Yorkers have taken to cycling.

But there is a lot of suffering. And a lot of fear not of what Sandy brought. But of what next year’s storm will bring. And the year after that. And after that. First Irene, now Sandy, for how many years in a row can New York City withstand a “once in a century” storm, people are asking?

I hung up the phone with a friend just a few minutes ago. She said, “In some ways, this is way more scarey than 9/11, because you get the feeling that it could happen again and again and again.”

In a coffee shop this afternoon, everyone at every table was talking about climate change. People are talking about where they will go next time. To an aunt’s in New Hampshire. A friend with three cottages in Maine. People are talking about their escape plan for when New York stops functioning.

Katrina, Irene, Sandy, droughts all summer, busted corn crops, water shortages in the southwest: it’s hard to believe we aren’t seeing what the climate scientists predicted. But sooner. Way sooner than they said.

It feels ironic and sad. That the war in Iraq sparked by 9/11 may have got us what we wanted–control over more oil. But that burning that self-same oil has brought us another mini-9/11. Except that this one we are kind of doing to ourselves.

Fracking–the drilling for natural gas by injecting poisonous chemicals into the same rock formations that our drinking comes from. Fighting in the Middle East. Drilling in the arctic. Mountaintop removal in Appalachia. Mining the Canadian tar sands. Building the pipelines. This is bonkers.

Especially when the sun shines everywhere. The wind blows everywhere. The rivers run everywhere. We can generate our power in better, cheaper, safer ways.

Of course, there are reasons for resistance. Our economy is based on fossil fuels. Changing it would be a gargantuan effort. There would be a cost to a transition. But the costs of not making the transition will be much higher. Ask the NY Mass Transit Authority, which is still pumping out the tunnels. Or ask the citizens of New Orleans.

But this isn’t a bitch fest. It’s an appeal.

Years ago, when I did the No Impact Man experiment, I went on the Good Morning America show and I said it wasn’t important that all Americans did as much as I did. “We must each just do something,” I said.

I was mistaken. We must each do a lot.

We all–including me–have a tendency to think that shaking our fist at the TV news or leaving an angry comment on a blog or “clictivism” is some sort of an expression. We need to do more. Not just more at home, but more in our civic engagement, more in the citizen guiding of how our society moves forward.

In fact, I’d argue that we–all of us–need to find a way to dedicate at least some part of our lives to solving our problems. Climate change we need to fix, yes. But also we need to accept that the economic system we live in is driving that climate change. Consumption, as the basis for economy, has become like a winter coat that needs to be shed. It no longer serves us.

Now, I’m not going to claim that I know what each of us should do, how each of us should help to bring about the Great Transformation. I don’t think anyone exactly knows. This, by the way, was the great criticism of Occupy Wall Street, back in the day. That they didn’t say exactly what we should do. They didn’t make their demands clear, the press kept saying.

That was Occupy’s strength in my view. The willingness to bring attention to problems we don’t quite know the solutions for. Occupy didn’t have concrete demands because none of us quite know what we should be demanding quite yet. Occupy was saying “stop ignoring problems just because we don’t know the solution!!!!!!”

You may disagree with me. You may say, we know the solution, it’s renewable energy. But where is the political will to bring that change about when the fossil fuel industry has spent $150 million in this election cycle?

You may say, the solution is getting corporate money out of politics. But how do we do that when the politicians we need to vote for such a thing are the beneficiaries of that self-same corporate money?

You may say, the solution lies in measuring Gross National Happiness instead of Gross Domestic Product. But how do we get that done?

We have lots of ideas about what would fix things, but we have no idea how to actually get those ideas instituted. That’s kind of where we are at a loss. How do we actually bring about the change?

It’s not to say we can’t bring it about. But it is to say that a lot more of us are going to have to join the search for the solutions and the effort to institute them.

In a way, what I am saying is the same as what Occupy said: “Stop pretending that you can’t help just because you don’t know exactly how to help!!!!!!”

We all have to start dedicating some of our lives to these problems. Not just voting for the right people. Not just leaving comments on blogs. Not just having intense conversations over coffee.

So what then?

Here’s a thought. Decide to dedicate five to ten hours a week to helping figure out what to do. Then use those five to ten hours to bring your personal gifts to the search for societal solutions and the means of implementing them.

If you are political then, whatever side of the aisle you are on, start going to your party’s meetings and insist that they address themselves to the major, new-world problems we are facing instead of grumbling over the same stuff they have for 50 years. Get them to try to be leaders instead of winners.

If you are an artist or musician or writer, use your talents to bring more and more attention to our problems and the quest for the solution. Be a constant reminder of the peril our society and world faces.

If you are a therapist or life coach, find a way to introduce to your clients the idea that the problems they face are the same problems all of us are facing. Financial insecurity, for example, is something we can fix together better than any one of us can fix alone.

If you are a banker, bring your personal values and your heart and soul to work with you. The expression “it’s only business” has to be jettisoned. This idea that the free market will fix things so we can ignore the dictates of our conscience needs to be fixed.

If you have a spare bedroom, find an activist who can’t drag themselves away from the work they are doing for all of us long enough to earn themselves some rent. Home and safety for those on the front line of social change is a wonderful service.

If you have two feet, march with my friends at 350.org whenever you have a chance.

All of us have our own ways to help.

One thing is clear, whatever our individual contribution, every one of us needs to be moving back into the political system and the democracy. We are all so disgusted by it that our instinct is to abandon it. In this case, our instinct is wrong. We totally need to Occupy our democracy. We need to flood it with people, with us.

Overall, though, my point here is that all of us have a role to play in our cultural healing. There is no leader who can tell us how to contribute. Each of us has to look around us and use our own minds and souls to see what needs doing and how we are best suited to do it. Each of us must contribute in our own way.

I began this piece by saying that I’m scared. Because I am. But my fear is just a sign that I need to do something. There is really only one thing I know how to do–to write. And so I’m doing it. I don’t know if if will help. But it is the one thing I know how to do.

What is the one thing you know how to do? What is the one thing you can dedicate a slice of your life to?

We can’t leave it to the politicians or the designers or the Occupiers or the activists. It’s up to each of us.

Because–and I’ve said and written this many times–the question is not whether each of us is the type of person who can make a difference. The question is whether we are the type of people who want to try to make a difference. And Sandy has told us we all need each other to try.

Love,
Colin

Nothing much to argue about that! Thanks Colin for letting me republish your essay.

And the result is …

Light-hearted contribution following yesterday’s Presidential election.

I’m writing this at 5pm PDT on the 6th so the result is yet unknown to me and millions of others. In this afternoon’s email ‘in-box’ was this delightful story that, despite being widely distributed, isn’t harmed by being displayed today.  So thank you Rob I.

While walking down the street one day a Corrupt Senator (that may be redundant) was tragically hit by a car and died.

His soul arrives in heaven and is met by St. Peter at the entrance.

“Welcome to heaven,” says St.. Peter. “Before you settle in, it seems there is a problem. We seldom see a high official around these parts, you see, so we’re not sure what to do with you.”

“No problem, just let me in,” says the Senator.

“Well, I’d like to, but I have orders from the higher ups. What we’ll do is have you spend one day in hell and one in heaven. Then you can choose where to spend eternity.”

“Really?, I’ve made up my mind. I want to be in heaven,” says the Senator.

“I’m sorry, but we have our rules.”

And with that, St. Peter escorts him to the elevator and he goes down, down, down to hell.

The doors open and he finds himself in the middle of a green golf course. In the distance is a clubhouse and standing in front of it are all his friends and other politicians who had worked with him. Everyone is very happy and in evening dress. They run to greet him, shake his hand, and reminisce about the good times they had while getting rich at the expense of the people.

They played a friendly game of golf and then dine on lobster, caviar and the finest champagne. Also present is the devil, who really is a very friendly guy who is having a good time dancing and telling jokes. They are all having such a good time that before the Senator realizes it, it is time to go.

Everyone gives him a hearty farewell and waves while the elevator rises.

The elevator goes up, up, up and the door reopens in heaven where St. Peter is waiting for him, “Now it’s time to visit heaven…”

So, twenty-four hours passed with the Senator joining a group of contented souls moving from cloud to cloud, playing the harp and singing. They have a good time and, before he realizes it, the hours have gone by and St. Peter returns.

“Well, then, you’ve spent a day in hell and another in heaven. Now choose your eternity.”

The Senator reflects for a minute, then he answers: “Well, I would never have said it before, I mean heaven has been delightful, but I think I would be better off in hell.”

So St. Peter escorts him to the elevator and he goes down, down, down to hell…

Now the doors of the elevator open and he’s in the middle of a barren land covered with waste and garbage. He sees all his friends, dressed in rags, picking up the trash and putting it in black bags as more trash falls to the ground. The devil comes over to him and puts his arm around his shoulders.

“I don’t understand,” stammers the Senator. “Yesterday I was here and there was a golf course and clubhouse, and we ate lobster and caviar, drank champagne, and danced and had a great time. Now there’s just a wasteland full of garbage and my friends look miserable. What happened?”

The devil smiles at him and says, “Yesterday we were campaigning. Today, you voted..”

Only a humourous story, or course!

Reflections on an election

A personal perspective on today’s American presidential election

Voting for truth!

In many ways, it’s helpful that despite being a resident of the USA I am not eligible to vote.  That’s because my residency status as a ‘Green card’ holder does not give me such entitlement.  That’s the domain of citizens, and rightly so.

The reason I find it helpful is that as a non-voter and still very much the ‘newcomer’ to this county, I view the proceedings from a different perspective; well that’s my take on things!

So here are two thoughts.

Integrity

The motivation behind Learning from Dogs came from the realisation that dogs offer mankind many lessons, especially the one of behaving with integrity.  You can read more about this aspect of dogs here.

Maybe it’s a naive hope but politicians around the world must rapidly embrace the fact that without integrity in the political processes we are all lost.  To underline this plea, go and read a recent essay that was introduced by Daniel Honan on The Big Think. Here’s a dip into that:

Larry Lessig: End Raging Cronyism, Save Our Republic

What’s the Big Idea?

If you are not planning to vote in the upcoming election, Larry Lessig has a good explanation why.

You, like most Americans, believe that money buys results in Congress. No matter who wins, you believe that corporate interests will still have too much power and prevent real change. You are correct in your belief that money buys results in Congress, Lessig says. However, he has a different prescription than non-participation.

What’s the Significance?

Lessig points out that .000015 percent, or 47 individuals, have given 42 percent of the Super PAC donations this election cycle. As a result of this “money election,” Lessig says a few powerful interests exert an influence that conflicts with the public good.

… 47 individuals, have given 42 percent of the Super PAC donations this election cycle.”  Just reflect on the power and influence that flows from such a distortion of fairness.

Truthfulness

My second thought is about being truthful.

The time for all our leaders, right across the world, to come together and face the reality of climate change is upon us.  There is no time left to duck and weave.

Peter Sinclair of ClimateCrocks blogsite recently posted this video.  Watch it and ask yourself how much longer the leader of the most powerful nation in the world can sit on the sidelines of the greatest threat to our civilisation ever seen.

Cities and forests; the outlook

Just a couple of items that came through my ‘in-box’ in recent times.

From the Payson Roundup newspaper of the 9th October, last.

Southwest forests are already in the early stages of a mega drought brought on by climate change.

Southwest forests are already in the early stages of a mega drought brought on by climate change that will result in massive tree die-offs and sweeping changes in Rim Country forests, according to an analysis published in the scientific journal Climate Change.

Severe drought will dominate much of this century, creating stresses on forests not seen for more than 1,000 years, according to the research that used tree ring samples from 13,000 trees, historical rainfall records and computer projections of future climate change.

The shifts will likely dramatically shrink the world’s largest ponderosa pine forest in northern Arizona, replacing pines with junipers at elevations like Payson and replacing junipers with chaparral and cactus at lower elevations.

The article concludes,

Unfortunately, the team’s climate prediction models suggest that within the next 40 years the region will fall deep into mega drought conditions. The models predict that even the wettest, coolest years in the late 21st century will exceed mega drought levels. In that case, the drought conditions of the past decade will prove the new normal rather than a bad stretch.

Williams noted that while winters in the past decade haven’t been exceptionally dry, summer temperatures have soared. As a result, the stress on the trees in the past 13 years has exceeded mega drought levels about 30 percent of the time — conditions not matched for the previous 1,000 years.

Now to a more positive message, this one from Climate Denial Crock of the Week for 10th October, 2012.

One of the clean little secrets about dealing with climate change, is that if we make our cities more efficient, and reduce their carbon footprint, we will also make them more resilient, quieter, more comfortable, more human scaled, more inviting,  and more fun.

For more on this story go to http://www.pbs.org/newshour/topic/climate-change/

As global temperatures rise, urban areas are facing challenges in keeping their infrastructure and their residents cool. Chicago is tackling that problem with a green design makeover. This report is part of our Coping with Climate Change series.

Gnawing on a bone!

Dogs’ evolution shows why they ‘love’ gnawing on bones.

This is the second article on the BBC Nature website following yesterday’s item about why dogs enjoy a healthy breakfast.

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Dogs’ evolution shows why they ‘love’ gnawing on bones

By Victoria Gill
Science reporter, BBC Nature, Ottawa, Canada

Social living drove dogs to evolve the “tools” for chewing bones, scientists say

Scientists say they have discovered why dogs love to eat meat and bones.

Ancient canines adopted pack-living about eight million years ago, to hunt larger prey, according to researchers.

The resulting evolution of their jaws gradually turned the ancestors of modern wolves, and ultimately our own pets, into “hypercarnivores”.

Dr Joao Munoz-Doran presented the findings at the First Joint Congress for Evolutionary Biology in Ottawa, Canada.

He and his colleagues from the National University of Colombia have created a canine “family tree”, piecing together the relationships between each of the more than 300 dog species.

“We compared species that have very different diets,” Dr Munoz-Doran explained to BBC Nature. “So we classified them as carnivores, hypercarnivores [animals that eat more than 70% meat] and omnivores [animals that eat meat and vegetation].”

The ancestors of modern wolves belong to this hypercarnivorous group.

The team’s analysis showed that the skull features that now distinguish a wolf – strong jaw muscles and enlarged canine teeth – first started to develop when their ancestors first began hunting in groups.

“We found a common evolutionary history for these traits,” Dr Munoz-Doran explained. “Eight million years ago was when [less forested, more] open habitats were spreading through Asia, Europe and North America. And when there are open habitats, the big prey group together. So there will be more eyes watching for a predator.”

The only way that dogs roaming the open plains could snatch very large prey from a herd was to work together.

“And after many generations of this grouping behaviour, there are new selective pressures on their [skull shape],” said the researcher.

This pressure meant that animals with larger teeth and stronger jaws were more likely to succeed in hunting, and to survive to pass on their large-toothed, strong-jawed genes to the next generation.

Animals with stronger jaws and larger canine teeth would have been more successful hunters

“They developed strength in their muscles – especially the muscles that close their mouth,” said Dr Munoz-Doran. “And bones that are more resistant to bending, so they could support the mechanical strains of biting the prey. “Over time, they became adapted to be ‘hypercarnivorous’.”

The researcher pointed out that domestic dogs had “very good evolutionary reasons to enjoy chewing a bone”.

“They have the tools to do that,” he told BBC Nature, “and they want to use their tools.”

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Finally, to the side of that BBC Nature webpage were a few canine facts, as follows:

  • Common canines: Foxes, wolves, jackals, coyotes and dingoes are all members of this well-known group
  • Familiar faces: Wild canids are found on every continent except Antarctica
  • Communication is key: Previous studies of dog evolution have revealed that calls were essential for forming social groups and hunting larger prey
  • Pets’ past: All domestic dogs are descendants of the grey wolf

And don’t close without going here and listening to Steve Backshall howling with a wolf pack – (it’s a video as well – unmissable).

Three years on, and ….

Nothing much changes.  This post first published on the 4th November, 2009!

Debt stress in Middle Class America – how may this play out?

On Saturday, October 24th Yves Smith of Naked Capitalism ran a Post on her Blog about an anonymous couple who were over their heads in debt.  (Yves has given me written permission to reproduce the Post.) The story of this couple then generated a huge response of comments. Read the comments, each and every one of them.

Then ask yourself abraham-lincoln-picturewhere this is all heading?  These comments may, almost certainly are, just be the tip of the iceberg.  Seems a long way from Lincoln’s Gettysburg address in which he was reputed  to have used the words: “… government of the people, by the people, for the people, shall not perish from the earth.”

Some days I worry; worry a lot!

The extract from Yves Post about this couple is reproduced below but far better is to go and read the whole Post and all the comments.

UPDATE: Since writing this Post Yves has published a further Post on the topic again generating a huge volume of comments.  That was Sunday, November 1st.  Then bright and early on November 2nd James Kwak of Baseline Scenario weighs in with his version, Do smart, hard-working people deserve to make more money? 150 comments (at the time of writing) for that one.  Interestingly, as the days have gone on the mood of the commentators has become more reflective and thoughtful thus partly negating the theme behind this Post.

This is the original Post from Naked Capitalism:

Some readers like to demonize those who get in over there heads with debt as people who lived high on the hog and had their day of reckoning come upon them. This story, forwarded from a reader, shows the picture is more complicated.

When I was young, savings of six months of living expenses was considered to be a good cushion against risk. Is that true any more? I doubt it. Although this couple didn’t even have that much stashed away, the sort of buffers that worked a generation ago are insufficient now. People spend longer between jobs than in the past, and if/when they do find new work, it is often at a lower level of pay than before.

Job loss and major illness rather than an overly lavish lifestyle are still the biggest causes of bankruptcy. And now that the average tenure at a job has shrunken considerably, people need to have more in the way of savings, yet the high cost of unemployment means it is even harder than before to build up a big enough kitty.

Via one a correspondent:

Just like most everyone I know, my husband and I are in big debt with our credit card companies. My husband was laid off on New Year’s Eve last year. We were in total shock. I am retired from the USAF and receive a small monthly check, and my husband began collecting a meager unemployment check. He searched all over the US and made several trips out west knocking on doors and handing out his resume. NOTHING. Anyway, we had no saving and a little bit of stock which was cashed in at an all time low. No help there. Then we started living off our credit cards. Without them, we would have not made it, period. Our daughter and her family moved in upstairs and her husband was working of a whopping $8.50 an hour. No help there. So basically we were supporting them as well.

We have a mortgage payment of $1175 and $30,000 equity still in our home, but we are unable to refinance at a lower rate BECAUSE my hubby was unemployed!

Getting back to my B of A card, I have NEVER been late on a payment in 10 years (until last month). I have always paid more than the minimum (until January 1st). BUT, my interest rates have inched up and up in the last few months and then, BOW! I tried to use my card about 3 weeks ago at the grocery store and it was denied. Needless to say, I walked out without the food. We don’t waste anything, not money, not food, not heat or lights, nothing, but we are going down fast. The good news is that my husband got a job this week (at a much, much lower wage) and will finally get a pay next week after almost 10 months. The bad news is that B of A is killing me and will ruin me soon. I sent them a “token” $10 payment on the $450 monthly that I owed. The payment was on time, but the $10 sure didn’t make them happy. They slapped a “LATE FEE” of $39 even though my “payment” was not late AND of course the dreaded overdraft fee of $39. Yesterday I got a statement from them saying that my next payment due 11/11 is $950. I can see the snowball at the top of the hill ready to roll. What do I do? Do I revolt and refuse to pay? Do I keep sending them $10 as a promise to pay? OR do I write Kenneth Lewis and say I want some of their TARP/bonus money back so I can apply it to my B of A account? It’s not fair, although I know we lived off our credits cards and much of what I owe is money that I spent on essentials, BUT, the ultrahigh interests rates combined with their slap-on-every-extra-fee-we-can mentality is outrageous. We have worked all our lives to have and keep our excellent credit ratings and now all that is shot.

What do I do? What do we do? Like I mentioned before, my husband just got a job, but he will be making much, much less than he used to. Our mortgage is behind, the bank is on us about that, our credit cards a behind and they want even MORE blood, our kids and their families aren’t making it even though they work and pinch every penny, no insurance is within reach for them or their babies, so we have been shuffling payments to help our grandchildren, the list goes on and on and on and on…

Please, what do we do? How can we stop the madness that has engulfed us? We are good citizens, worked hard all our lives, paid all our bills on time and paid more than the minimum – until lately -, penny pinch, reheat the reheated leftovers, eat toast, never go out, never hurt anyone, love our family and served our country, and now this.

Please, what do we do?

oooOOOooo

Could have been written yesterday!

Rescuing Cranes

First published on November 8th, 2009.

This makes me proud to be human!

Operation Migration

Index_8990

As their website explains:

Operation Migration has played a leading role in the reintroduction of endangered Whooping cranes into eastern North America since 2001. In the 1940s the species was reduced to just 15 birds.

Operation Migration is a founding partner of the Whooping Crane Eastern Partnership (WCEP), the coalition of non-profit organizations and government agencies behind the project to safeguard the endangered Whooping crane from extinction.

Want to get involved? Here’s how.

Remember the film ET? Just look at this next picture …

Continue reading “Rescuing Cranes”

Bedtime prayers

First published on 1st November, 2009.

Time for bed

dog and boy praying

Thanks to Dan Gomez for forwarding it. Classic!