text:
Some troubling if unsurprising news from a new study done by researchers at the University of Michigan.
More American families are drowning in debt.
One in five U.S. households owes more on credit cards, medical bills, student loans and other non-collateralized debts than they possess in savings and other liquid assets, say economists at the U-M Institute for Social Research.
The study also finds that the home mortgage issue doesn't appear to be going away.
Some 1.7 percent of families surveyed last year say that it is either very likely or somewhat likely that they will fall behind on their mortgages in the near future. That's actually down from 2009 when 1.9 percent of families said they were very or somewhat likely to fall behind. But it's hardly out of the woods.
"Our data suggest that the mortgage crisis will continue for the next few years, although a somewhat smaller share of families will experience mortgage distress," said Frank Stafford, one of the report's co-authors.
He added that, "Even though average savings levels have gone up since 2008 … there has been no improvement in financial liquidity between 2009 and 2011, except among families with more than $50,000 in savings and other liquid assets."
Some of the report's noteworthy findings:
– The proportion of families with no savings or other liquid assets rose to 23.4 percent in 2011, up from 18.5 percent in 2009.
– About 3.54 percent of families owned a home and were behind on their mortgage in either 2009 or 2011, or both years. About 4.1 million families were affected.
– About 10 percent of families had $30,000 or more in credit card or other non-collateralized debt last year, up from 8.5 percent in 2009.
"Some families have not been able to make substantial headway," Stafford said. "Even if they're not underwater with their mortgages, they are struggling to save money and reduce their debts."
May 14th, 2012
9:51 am
I always laugh when I see the way these studies spin poor savings rates. In looking at their definition of household savings, they appear to not count investments. Why would you not include stocks, mutual funds, and retirement savings plans such as 401k, 403b, IRAs, etc? It may not make a difference in the averages, but why not look at REAL savings rates?
May 14th, 2012
9:55 am
This is not newsworthy. The policies of this administration have destroyed the middle class. Once we are all poor and broken, they can control us with government jobs and assistance…and we will be beholden to them. Very scary for us.
May 14th, 2012
9:58 am
Student Loans are going to haunt many for the rest of their lives. Owning a home is no longer the American Dream. Bankruptcy does not help you with student loans unless it is your second bankruptcy and you beg the courts to get rid of them or you will leave the country for good.
May 14th, 2012
9:58 am
It's because everyone wanted the McMansion ($300K). Then you had to have the Cadallic Escalade (40K)…to impress the neighbors.
And there were numerous housewifes who LOVE to shop and don't work…….
Then there are those of us who live within our means. Those of us who have NO credit card debt, no student loans, etc. Those of us who live on a cash basis. You know, the ones who can afford what they actually buy with CASH?????
If I don't have cash, I can't buy it. I've bought numerous cars with cash. The ONLY thing I have financed is my mortgage.
I love being able to sleep at night, knowing that NO ONE can take ANYTHING away from me!!!!
Oh, and I max out the contribution to my 401(k), my company matches 100% up to 10% of my salary, they match 50% after that (FREE MONEY).
I drive an older car with close to 200K miles.
I live in a home I can afford. I am NOT upside down in my mortgage. I owe less than $85K on my home.
Kid in college (529 funds I've been saving since her birth).
No fancy cable, no fancy phones, no high maintenance lifestyle.
Think "The Millionaire Next Door"……
Laughing all the way to the bank, while you idiots finance EVERYTHING, to impress people you don't know!!!
May 14th, 2012
10:09 am
@Idiots: Have you priced an Escalade lately? Try $75,000 (new). 40K will buy a used one: 2009 with 30,000 miles.
May 14th, 2012
10:11 am
Will you adopt me Idiots?
May 14th, 2012
10:13 am
I was wondering how long it was going to take someone to blame the administration. "Idiots" is spot on in the assessment, but to a partial degree.
The only thing missing in the post is also the lack of true job creation and stagnation in wage increases for the majority of the country. Trends that started prior to 2009. There are more factors at play than "the administration".
Onechris has a great point as well. Borrowing tens of thousands in students loans to cover the cost to get an education, which equates to a mortgage payment for some. That is another reason for lack of savings.
May 14th, 2012
10:16 am
A lot more to blame for the shrinking of the middle class than this administration . It deserves its fair share.
Research Austrian economics if your looking for answers on our economic problems.
Our monetary policy punishes savings and rewards debt.
May 14th, 2012
10:16 am
And the Escalade manufacturer
is owned by the poor ole' American Taxpayers !
GM is Too Crooked To Fail.
May 14th, 2012
10:19 am
GM = Socialism
May 14th, 2012
10:21 am
GMAC just declared another bankruptcy this week.
The Bail Outs keep coming for these swindlers.
May 14th, 2012
10:28 am
I bet your wife is butt ugly though.
May 14th, 2012
10:36 am
Tiresome. Only "families" are in debt. As usual, single people don't count. Well, it's good to know that only "families" are in trouble here. Good thing that women are never laid off when it comes down to a choice between a woman, and a man "who has a family to feed!" But then if women are in financial trouble, it's their fault because (cue tiresome cliche #2) women love to shop, the only reason they want a man is so he'll buy them stuff, and housewives don't work!
/sarc off
Enough already with student loans. No one will stop breathing if they don't go to college at all or if they hold off till things are better. Why in the world does anyone think student debt – or mortgages – should be forgiven? Anyone who has incurred new debt or made kids in the last 4 years deserves no sympathy and no welfare.
May 14th, 2012
10:48 am
I feel bad for those in debt because of medical bills or they lost a job & having a hard time finding another one. But for those in debt because they simply live beyond their means – and that means money spent on eating out, buying a car, cell phones, cable TV, home decor, clothes, even buying convenience foods instead of cooking from scratch if necessary – it reminds me of two of my favorite quotes on this subject:
I buy things I don't need, with money I don't have, to impress people I don't know.
Unnecessary possessions are unnecessary burdens.
May 14th, 2012
10:49 am
This is how you dump student loan debt. 1) Before you get behind on loan; transfer balance to credit cards or get a second mortgage on your house. 2) pay off student loan with proceeds. 3) walk away and declare bankruptcy. This is how big corporations behave and stay in business. It should be good enough for you. Class dismissed.
May 14th, 2012
10:49 am
Idiots is partly right and partly idiot. You have not considered the retirees. My retirement was "set" when I retired five years ago. My house and car were paid off, I had one credit card for emergencies and I could live on my retirement income. Flash-forward five years: Gas prices up 150%, the company I retired from has dropped vision/hearing/dental insurance plans and our medical deduction is up 200%. That comes out of my "set" retirement. My daughter lost her job and sent my grandson to live with me while she looks for work. He has been with me for two years.
Even buying cheaply, he is a growing boy to feed and clothe.
I have tried to find another job, but a retiree in her 60's competing against desperate adults in their 20's and 30's? — no luck.
I never had a fancy house, a fancy car, fancy vacations, or even cable TV. But I would like my grandson to be able to play Little League and I need my oven repaired. Can't afford either, but I guess that's my fault for working 30 years in the public school system.
May 14th, 2012
11:06 am
Another fine example of this wonderful system of Capitalism. Medical bills are the number one reason for debt. You want true healthcare reform, then we need to start treating healthcare as a right and take the for profit out of the healthcare system. Until insurance companies see consumers as real people and not dollar signs, then nothing will change. That goes for everything really
May 14th, 2012
11:07 am
Idiots is correct. People are morons with their money. Dave Ramsey is correct: A debtor is a slave to the lender. Let's look at the problems:
-Student Loans: yes, college is wonderful investment, but if you and/or your parents are dumb enough to fall for the trap of sending your kid to "college", especially a private college or out of state college that you can't afford, then you are getting what you paid for, especially if you get a BS degree that "enlightens you". This goes for private high schools, middle schools and grade schools as well. What these folks don't realize is that the books are the same at all the schools, math is the same and quite frankly, if you think going somewhere "prestigous" is going to help you, think again- when you alienate yourself from 80%- 90% of society (whom will most likely be working for you), you have no concept in how these people live, cope, etc. That's how you get out of touch with society.
Cars: New cars vs used. Better yet, how about cars that are the "next step" up. Like buying a lexus over a camry or an acura over a honda, or an infinity over nissan. Escalade over Tahoe, etc.
Eating out: Constant eating out.
Cable: Premium channels instead of basic
Shopping: My favorite. I think I've been to the mall 1-2 times this year- for wedding gifts. It's appalling how many women and their young girls, kids are at these places on a weekend afternoon (especially a nice one) when they should be at home enjoying the day, exercising, enjoying their home, visiting with friends, etc. They drop hundreds of dollars buying "junk".
This kind of stuff isn't going to change. Heck, I watched the Today show this morning and that homeless guy that was addicted to crack cocaine and alcohol who has that amazing voice and got "clean" 1 year ago? Great story, but within 1-2 minutes, you know what that guy said he wants when he finally gets back on his feet? An Escalade? Really? You spend 17 years homeless, drunk and addicted to crack and you want an Escalade b/c you've been clean for a year and made a little dough? Right there is the problem with our society.
May 14th, 2012
11:09 am
The policies of THIS administration? I lost 1/3 of my retirement savings under W then gained it back under Obama – this seems pretty typical of market performance all around. Then you blame Obama? Come on, try to keep on this side of the reality line and look at the facts rather than just spouting rhetoric!
May 14th, 2012
11:15 am
I wholeheartedly agree with 'idiots'. Everybody wants everything, but cannot afford it. My spouse and I live within our means, are modest, shop responsibly and drive our car until it falls apart. People have overspent before this administration, but it is so easy to blame someone else. And don't forget that job creation is done by the industry who just don't want to create an adequate number of jobs after they released so many people, just for them to make more money! Because that is what it is ultimately all about.
May 14th, 2012
11:17 am
It's funny how when the going gets tough people always look to point the finger, or make a mochery out of unfortunate situations. There are those of us who have strategic plans set in place if and when things go wrong, and there are those of us who simply fail to plan. Even with all the plans in the world there is not one single gaurantee that any one plan will succeed without any problems. I pray for all experiencing trials and tribulations, and to anyone saying that they're smarter because they have yet to have financial woes it doesn't make you any better off! As people we have some very simple solutions that could help us, if we really get back to the basics of living. It truly starts with having some common sense. Live off what you truly need, save as much as you can. If you've never been to school and desire to go there is a ton a grants and scholarship available that may assist you while you degree may or may not be an MBA or Ph.D something is definitely better than nothing. There are lots of talented entreprenuers that have yet to tap into a hobby that can become a source of income. I know people are strapped for cash, jobs, food during these trying times. But im just saying hang in there. There is always light at the end of the tunnel sometimes it just takes you going down there and cutting it on!
May 14th, 2012
11:22 am
Ralph, regards to your comment on capitalism and medical bills. Yes, medical bils are absurd, but capitalism is NOT the problem and making it a "right" won't fix it either. We don't have capitalism in this country b/c we regulate too much. Capitalism has NO regulations. And let's not forget all the good products that come out of capitalism, mainly better products. We wouldn't have washer and dryers, dishwashers, cars, etc. were it not for capitalism. Think about this. Think of all the unneccessary things that we as Americans do that "tax" (take the resources) of healthcare. Plastic Surgery for looks, having surgeries to "fix" things that could be solved by eating healthy and exercising (like stomach tucks, etc.), our obesity issues, Handing out medicine like it's candy (instead of exercising and eating right). Basically "quick fix" solutions over common sense. These are just a few examples, but there are many. There is simply way to much abuse of the system right now of things that people think are "neccessary" b/c we want the quick fix, and the demand is way to great b/c we as Americans are wimps. People don't take care of themselves anymore b/c there is a pill or surgery that is the quick fix and solution for everything. This kind of stuff is clogging up the need for other care that is what you are calling a "right".
And you don't want govt healthcare. It sounds great, and the intentions are great, but the last thing you want is the govt controlling it. I'm not worried about the benefits. I'm worried about the money that is to be collected. Our govt can't collect money now without overspending. A simple thing: The GA 400 toll. What a mess. Or what about our DOT being broke. . . . .they got all this govt red tape, all these studies, etc. that we pay for before a road is even built. Look at our school systems. They can't even keep teachers employed b/c of all the promises we have made and the lack of planning by county commissioners and state govt.
You really want govt to get involved in Healthcare? Know why the govt likes Healthcare? Because everyday in the news you read about the largest industry that you want to have a job in or make sure your kids get into (b/c there is the most money to be mad). . . Healthcare. B/c the govt is going to collect "premiums" for 3-4 years BEFORE we actually get coverage. They just want a revenue stream, similar to Social Security and Medicare, both of which aren't broke on paper, but are cash flow wise b/c our govt can't keep their hands off the money.
May 14th, 2012
11:22 am
Obama has destroyed the middle class.
May 14th, 2012
11:26 am
agree and disagree!! when we were young no one explained about credit and how it really would affect us. One month after our wedding (we were 18) my husband was in a bad wreck, and couldn't work. We broke our lease on the apartment and moved in with my mom until he could work. 15 years later that is still on our credit, and then theres little things here and there. You can't fix it either, to buy a house we did owner financing, and in Feb when our ballon payment is due IDK what we going to do. He has a good job, and we save, but it won't be enough. I'm a SAHM, to 5 kids, 4 homeschooled, and when I say stay at home, I mean just that! We live within our means, drive used cars pay with cash. BUT we are still barely making it, thats just life, in America. It cant be fixed, and they wont try.
May 14th, 2012
11:29 am
Please awaken from your slumber. The middle class was destroyed long before anyone heard of Obama. I cant wait until theres a new president so all of you zombies can COMPLAIN and whine like new born infants after the new president is Six months in to his term. You people cry more in this country than ANY NEW BORN INFANTS ANY WHERE IN THE WORLD. WAH WAH WAH! This country was Screwed thanks to both Bushes. And yall complained when they were in office you all complain about EVERY PRESIDENT>>STFU Already
May 14th, 2012
11:31 am
Credit cards were a horrible invention. Buy now, pay later just doesn't work. And you can thank the banks for this terrible mess. They feed you horrible products then watch you drown.
May 14th, 2012
11:33 am
You really think you own what you have and no one can take it away from you? Then try NOT paying your taxes.
We own our home free and clear in the eyes of the world, but we really just rent it from the government as long as we have property taxes.
We're already serfs.
May 14th, 2012
11:35 am
Everybody wants to blame each administration for what's wrong with America. It does not good to show up on election day every 4 years then whine when we're up the creek without a paddle. Wake up people become more proactive in whats going on around you! Stop merely existing in this life. Lets hold these politicians that have been elected into office to their deeds. We may a well blindly paraded around then pushed over a cliff. As people will completely out number the government officials we elect. If we want to make a statement that heard loud and clear. We have to take action. If goods we're consuming cost too much, stop buying the product. Hit these companies at there bottom line, cash flow… Like i said before it's all about common sense. This trying economic state is not about race any longer. There are american feeling the pressure everyday, the key to change is thorugh each person become more provactive and more involved.
May 14th, 2012
11:36 am
Idiots must work at a fictional company because none in Atlanta match up to 10% of a 401k 100% then 50% match after that.
May 14th, 2012
11:37 am
Wow!!! I was thinking about moving back to GA, but wuth people like this, why bother?
May 14th, 2012
11:40 am
Folks, wake up!!!!!!! This is what our present administration wants…….the more people who become dependent upon government assistance, the better chance that they (present admin.) will retain control……..welfare = votes. This present administration really doesn't want to create jobs that would create self sufficiency……that would be counter to their overall mission – DEPENDENCY. That's what Obamacare is all about – DEPENDENCY. That's what GUN CONTROL is all about – DEPENDENCY AND CONTROL. Remember to vote on November 6, 2012.
May 14th, 2012
11:47 am
The best is a healthy mixture of capitalism and socialism. People who cry about too much government interference still demand the services of law enforcement, fire brigade, public schools, good streets, intact bridges and infrastructure in general. Who do you think pays for that? Someone has to collect and decide where to use the money responsibly. But unless 'lobbying' and such special interest influence is legal, the average person will hardly achieve anything. What a great ideology: No Government interference if I don't want it, every Government help when I need it!
May 14th, 2012
11:50 am
I agree that it's always families in the focus of the financial crisis. Many of us single folks are struggling too.
I really don't know too many people who are in dire straits at the moment due to buying too much crap, or shopping all the time. Most of my coworkers, (well, coworkers for now, we're about to be laid off, AGAIN, July 1st), are like me – middle class folks who spend modestly, but regardless of what we do, just can't survive extended and repeated unemployment.
May 14th, 2012
11:52 am
Obama didn't do this to us, he received this mess of an economy when he became president and is trying to fix things. I think he can do better but he's not to blame. Some of you just want to blame him rather than the presidents who came before him and got us into this mess.
Wierdmom, do you think your family would be in a better position with less kids. I only ask because I feel this country would be a better place if females didn't have so many children. At least you got married. There are entirely too many females having babies that our tax dollars have to take care of and that's just wrong. This country has become a country full of too many people who think they are entitled to a hand out. If you take out a loan you pay the loan, if you spend the money you pay it back, if you have the child you pay for the child or just don't do it.
May 14th, 2012
11:53 am
May 14th, 2012
11:26 am
It cant be fixed, and they wont try.
To Wierdmom – M'am, who is "THEY"? It's not up to "they", it's up to you and your husband to turn your lives around. That's what the whole problem is – you expect the government to fix your problem – "The government is not interested in your problem, that's just what they want you to think". You "have to" and you "can do it yourself".
May 14th, 2012
11:57 am
Student debt from supra-skyrocketing college degree costs are a major problem for many. Student loan debt now exceeds $1 trillion!!!! Many who graduate soon find that their degree isn't worth much, but still they have the debt. When are people going to wake up? Unless you have a clear and well planned idea of your career path, FORGET college. It's usually a bankrupt enterprise for so many.
May 14th, 2012
11:58 am
Trickle down economics has Worked!. The 32 year experiment has made the rich, richer, the poor, poorer and the middle class shrink. Just as the republicants invisioned 30plus years ago.
God Bless Ronald Ray-guns.
May 14th, 2012
12:06 pm
@ Idiots: how many lies did you just type about "living" within your means?
Example One: Your kid is in college because you've been saving for tuition through a 529Plan since birth. Wrong: The 529Plan was not created until 1996. So if you do the math, your kid would be 16 years of age. Unless they are an Einstein and was promoted several grade advancements, your kid would be only in the 10th grade right now.
Good try though. You did bring up some good points. STILL: OBAMA 2012!!!! Romney is a bully.
May 14th, 2012
12:12 pm
The jobs are gone because greedy Wall Street fat cats like Romney are either laying off corporations or sending our jobs overseas. And when you do EITHER, Obama has ZERO control of their actions. And when he proposes to congress to CHANGE the rules to stop these job killers, the Great Oppression Party in the House and Senate rears it's ugly head and negates everything Obama tries to improve this country AND the middle class.
May 14th, 2012
12:14 pm
@Meg – I do pay taxes, it's rolled into the mortgage. Have you ever heard of PITI????
@WierdMom – get a copy of your credit report, then start calling creditors who still have things on your report. Most stuff only stays 7 years…the rest, you can request it be removed.
@Foolish – Sorry, but true. It's a real company which I have been employed with for over 19 years. There's only 10 of us here, so it's a great benefit they can offer, and they do match penny for penny of what I contribute, up to 10% of MY salary, then once I peak there, they only match 50% to every thing I put in. I work at a japanese electronics company, in Tech Park in Norcross, GA. They also pay 100% of our medical insurance for the ENTIRE FAMILY!!!! Yes it's true!!!!!
We also have an FSA card, for all our medical expenses. This is pre-tax. I put
$850 a year on the card, and can use it at the eye doctor, dentist and doctor. we can use it for our co-pays, etc. I just recently got new eye glasses with this FSA money.
And for all you other doubters/haters…..I happen to be a single parent. I have done all this BY MYSELF. I have worked very hard to get where I am today. I have a happy healthy 21 year old, who is gainfully employed, and has been ever since she was 17. She has helped with her college expenses, and bought her own car……WITH CASH! While her friends are being treated to nice new cars by their parents, she went and got her own car. It wasn't exactly what she wanted, but it is a good vehicle, and she did her research before she bought it.
Don't be hatin…..some of us know how to manage our money!!
I do treat myself every month. I get a pedicure. That's it.
Oh, and I plan weekly meals, grocery shop with a list, and stick to that list. I bring lunch from home, and we eat dinner at home, every single night, sitting at the dining room table, no phones or other electronic devices. The exception to this is when I happen to get paid on a Friday, then I treat us to Longhorn. Pedicure once a month, and Longhorn once every two months…..
May 14th, 2012
12:17 pm
If you know up front that you'll have a tremendous amount of student loans at a 4-year college, then perhaps you need to tell your kids that they'll have to bite the bullet & go to a 2-year college first and then transfer to an in-state college to finish out their degree. I know it's not as fun as going all 4 years to a university, but that's what me & my sisters did because it's the only way we could afford college. We had some student loans after graduation, but it wasn't anything tremendous & we had a long time to pay it off.
I'm tired of hearing about people who go 4 years to private universities (or any university, for that matter) and then can't pay their loans. They KNEW what it would cost them. If you're smart enough to be accepted to a university, why aren't you smart enough to understand when the loan department tells you how much you're going to owe at the end? I'd guess those are the same kinds of people who bought houses way beyond their means and now can't pay the mortgage. I know they told you the mortgage payment before you signed the documents. It wasn't kept secret from you.
You need to have COMMON SENSE and do the math up front! If you can't afford it then, unfortunately, you need to adjust your expectations. And I'm absolutely sick of being asked to "bail out" those who don't pay these kinds of loans (house/college) because I made the sacrifices that they would not.
May 14th, 2012
12:27 pm
If you are in debt you got something for it. Be happy with what you have and stop whining about your debt. Weirdmom has 5 kids. That's a lifelong blessing that outweighs any fleeting gratification that comes as a result of a new car every year, the latest Blu Ray system and over-sized Viking kitchen appliances. If you have student loan debt then be happy with your education and make the most of it. If you have debt related to medical bill then be happy with your life and your health.
There are plenty of people that don't have any debt. They understood the pitfalls of easy credit and they avoided getting in over their head. They can be happy with the peace of mind that comes with living free and clear of creditors. To those that are in debt, choose wisely and stop whining over the choices you made over the years.
May 14th, 2012
12:27 pm
@Idiots – By the way, I just wanted to say I really admire your financial responsibility! It isn't always easy to say "no" when you or your kids want to splurge & you know it's not the responsible thing to do. I especially admire that you were able to do this on your own, without the help of a spouse. Congratulations, also, for teaching your kids good values about saving for what you want instead of demanding instant gratification. That is such an important lesson! Unfortunately, credit cards make it all too easy for people to get in over their heads because they want that instant gratification. Give yourself a well-deserved pat on the back! Well done!
May 14th, 2012
12:35 pm
You people are funny..
May 14th, 2012
12:43 pm
@a_mom – Thank you for those kind words. I really appreciate it……
May 14th, 2012
12:44 pm
@idiot is right..
For you Republicans; I mean Conservative, I mean whatever is popular,
Keep regurgitating talking points. Personal responsibility for yourself and your debt
isn't that your cry. Some of you are in the blame game it seems.
Bush/Obama did not use your credit cards or sign any contracts.
Can we all say….ALL together .1…..2….3.
PERSONAL RESPONSIBILITY! not just talking points.
live within your means
May 14th, 2012
12:53 pm
Blame the magic negro for all of this (that's Obama in case you haven't figured it out yet). He has done nothing to turn the economy around. He's a hustler and full of it. If you believe his lies then you get what you deserve. You will be lucky to have "change" in your pocket. His new campaign slogan should be "moving backward".
May 14th, 2012
1:11 pm
@Idiots…While I agree with some of what you mentioned, you might not be so angry if you would enjoy life a little more. Get out and see what is going on. As for "I love being able to sleep at night, knowing that NO ONE can take ANYTHING away from me!!!!"…that is just laughable.
May 14th, 2012
1:29 pm
BLAME OBAMA!!! Although the banks were bailed out in 2008…let's blame Obama!! Although the 'Great Recession' started in 2008…let's blame the 'Magic Negro' (as Rawdog so eloquently put it).
This is why Georgia ranks in the bottom 5 in all categories that matter….yep, it's Obama's fault.
May 14th, 2012
1:31 pm
Why is it laughable?


text:
We're Chris Nelson and Gemma Hooley, independent producers who create sound-rich storytelling on the radio and online. We seek out stories about everything from hockey players in North America to wildlife biologists in South Africa. All the content on our tumblr site is recorded, written, shot and owned by us, unless we indicate otherwise. Thanks for visiting.
Catching Elephant is a theme by Andy Taylor
Our latest Hockey Diaries radio documentary, following the Washington Capitals through the 2010-2011 NHL season, is finished! Air dates on NHL Radio are still being finalized (likely the week of Sept 19) — we'll post details here (and via twitter and our new blog) as soon as we have them. In the meantime, through this week, we'll be posting bonus audio of tape that we just couldn't fit into the piece. We thought you'd probably still want to hear it here. First up tonight is a short audio diary entry from forward Matt Hendricks, dated November 8, 2010. His first-ever visit to New York City.
From my hardest-working coworker… if you like hockey and radio and that thing called "sports" that I should know more...

subset: commoncrawl


text:
I have been lucky or unlucky enough (you can think of it either way) to have experienced both sides of this coin. The woman that I am writing about today is not the same woman as yesterday. Yesterday I reprinted the first part of my letter, and now here is the second. Thank you so much to you know who you are for writing to me. Everyone seems to really get into this topic and has much to share.
Now, on the flip side. While I was pregnant with my daughter, one of my
> best friends lost her son. Our due dates were close as well, only a couple of weeks apart. Again, it
> was very uncomfortable. First off, no one wanted to tell me, due to my
> history of lost pregnancies. They ended up calling my husband at work, so
> he could tell me at home, which was thoughtful. Her loss brought up all> of the emotion of my losses and I dealt with them again. Once more,
> honesty saved us both. One of the most helpful things that we said to
> each other was, "I don't know what to say." For the duration of my
> pregnancy I was very careful to include her in every step, yet very
> careful to let her know whatever she felt was fine. It is funny, because
> her and my daughter are very close now. She was one of the first people
> to hold her, also one of the first people to babysit when I was ready.
> So this is what came off of the top of my head. I will also do some
> research and see what else is out there. If you don't mind, I will also
> reprint some of this response in my blog, as it is such an important
> question.
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text:
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Aug 21, 2014
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Jury says Concord man is guilty of hate crime
A Merrimack County Superior Court jury convicted Freese of felony criminal threatening, second-degree assault and accomplice to simple assault for the attack on a Manchester man, Alhaji Kargbo, 25, last July 31 in front of the Market Basket in Hooksett.
Witnesses testified that Freese, co-defendant Joshua Peno, 21, of Nottingham, and two others in a vehicle shouted racially offensive words at Kargbo, who was on a moped on Route 3A. Kargbo then sped up to the vehicle to confront those inside at a red light.
Prosecutors say Freese and Peno got out of the car and attacked Kargbo, pulling him off his moped, punching and kicking him. Freese was accused of later brandishing a knife and slashing at Kargbo, who was able to escape.
The two men were accused of repeatedly cursing and shouting a racial epithet at Kargbo, who is a native of Sierra Leone and moved to the United States in 2005.
Freese did not testify in his own defense, nor did two other people in the car last July, a 15-year-old and Peno's girlfriend, Nicolette Nicolaides.
Nicolaides was convicted in connection with the fatal shooting of Lennoxx Tibbs in Manchester on Oct. 22, 2009, who was the subject of racial slurs as he was chased and killed on Wilson Street. Joshua Sprague, then 25, was convicted of first-degree murder and sentenced to life in prison.
Nicolaides pleaded guilty to felony burglary conspiracy and misdemeanors of hindering apprehension and false swearing in a negotiated plea that called for cooperating with prosecutors.
She was one of seven people recruited by Sprague who went to Tibbs' 259 Wilson St. apartment building to fight with a woman he blamed for drug deals gone bad. That woman, who was staying at Tibbs' apartment with her boyfriend, heard the group enter the building and hid on the third floor as Tibbs tried to escape the crowd, which entered the second-floor apartment armed with baseball bats and a gun.
The group chased Tibbs down the stairs and out into the street, shouting racial slurs. When they reached the street, Joshua Sprague fired at Tibbs, whose hands were raised, fatally wounding him.
Because the accomplice to simple assault charge against Freese was brought as a racially-motivated hate crime, the enhanced penalty is two to five years, instead of the one-year sentence for simple assault.
The class B felonies carry sentences of 3 1/2 to seven years each.
Assistant Merrimack County Attorney Wayne Coull said Freese will be sentenced in 45 to 60 days, after completion of a pre-sentence investigation.
Freese's co-defendant, Peno, is scheduled for trial in March on two of the same charges. He does not face a criminal threatening charge.
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Found February 28, 2013 on BlackSportsOnline:
PLAYERS: Ray Allen
TEAMS: Miami Heat
TEAMS: Miami Heat
Even though he's now a 15-year NBA veteran Ray Allen is still being thoroughly reminded of his roots everyday. The cult classic film 'He Got Game' featured the young version of Ray Allen as the top College prospect in the country–Jesus Shuttlesworth. As reported by USA Today the now veteran shooting guard is often called by his character's name.Mario Chalmers stated. "We do it sometimes during games when he catches a hot streak or he does something crazy," "We're like, 'Jesus.' Sometimes he just looks over and smiles." Allen has certainly come along way since his Shuttlesworth days, and with him now being a sure-fire future hall of famer it makes the humble teasing by teammates that much more funny.
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Categories > Celebrities > My Chemical Romance > I'll never let him hurt you, I promise
What's going on?3 Reviews
what's this? two updates in two days? this isn't like mee.. its kinda short tho..
I nodded, pulling my bangs over my eye; a conscious habit.
Gerard stormed outside, "He's 'fine'," he said, using finger quotations.
"What?!" I exclaimed, "Frank is never 'fine'! What's going on?"
He shrugged, "I have no idea."
I stood up and wrapped my arms around him. Knowing Frank, he mostly likely had something awful planned.
"It'll be okay," he said into my ear.
And it was.
No one heard from Frank, or saw any sign of him over the next few days. In a crazy way, it felt as if something was missing.
Gerard insisted that I stay with him, which was fine. I loved being around him. He always made me feel good about myself.
Although, I had been feeling slightly ill over these days that Frank was gone. It had absolutely nothing to so with him....or possibly everything. Ugh! Why did I make a point to complicate everything.
Gerard sat down next to me on the couch I was currently curled up on. He could tell I was 'sick' and kept asking me about it. It wasn't the right time to tell him.
He ran his hand up and down my back, surprisingly making me feel better. "You okay?" he asked, for probably the twentieth time that day. I nodded, not taking my eyes off the t.v. "You can tell me if something is wrong you know," he said quietly.
"I know," I replied, glancing up at him and smiling.
He let out a large sigh and stomped out of the living room. When he didn't return shortly, I went to look, walking outside to the deck. He seemed distraught and only Mikey looked up when I opened the door; the expression was indescribable, and it made me feel awful.
"W-what's going on?" I asked. Gerard finally looked up, sadness written all over his face. Neither of them said anything. "Gerard? Are you okay?"
He scoffed, returning his gaze to the ground. I looked at Mikey and mouthed the words, "What's wrong?"
He stood up and pushed me back into the house, closing the door behind him, "He's pissed that you won't talk to him."
I bit my lip, "I can't...." I trailed off.
"Can't what? Jesus Christ, he's your boyfriend, you can tell him anything. Especially Gerard, he's the most understanding dude I know."
"He won't understand this." I stated plainly.
He shook his head, "You won't know unless you tell him." he said, giving me that awful look again.
Tears welled up in my eyes , "You think he's going to understand that I'm-" I stopped myself.
"What?" he encouraged.
I swallowed the lump that was forming in my throat. "I'm pregnant."
He stood there for a minute his eyes widening, and mouth slowly falling open. "Is it...Ger-"
"I don't FUCKING know! That's what the fucking problem is!" I screamed. Gerard came rushing inside.
I froze. Oh yes, it was genius to yell about this right by the door. He enveloped me in a hug, "What's going on?"
Mikey threatened me, "If you don't tell him Evan I will and it'll sound a lot fucking worse coming from me."
I was taken back by his tone. But he was right.
"We need to go talk." I said to Gerard, grabbing his hand.
He nodded. "Yeah, I think we do,"


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Topic - Shared Calendar Hosting
Philip on 05 Aug 2011
I'm looking to set up about 5 shared calendar accounts for work. Out current e-mail provider will offer hosted Microsoft Exchange accounts, but this means migrating from Ł50/year for our 20 POP accounts to Ł50/year/account for exchange and I'd have to migrate 8 people. We don't really need the hosted e-mail - just after the calendaring function.
Anyone know some offering reasonable priced calendar hosting with compatibility for Outlook / Android /iPhone / Nokia. Personally I'd be happy sticking with sharing a calendar on my private e-mail account (gmail) but it seems these are tricky to set up on Outlook and none of my colleagues have private e-mail services that offer calendaring.
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