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What About Venezuela's Hacked Power Grid?
What About Venezuela's Hacked Power Grid?
Russia and the US are engaging in tit-for-tat hacking of each others' power grid, the New York Times is reporting, in what is really a kind of cyber "cold war" where the hackers from each country's military and intelligence services load electronic "explosives" in the computer systems of critical infrastructure of the other, that in a crisis or war could be "detonated" to create chaos or bring down electric grids.
The Times article, the publication of which President Trump decried in a tweet as "close to treason," was disturbing for a number or reasons. One was that sources told the Times the hacking by the US Cyber Command of Russia's power grid had been conducted without the president's knowledge, for fear that he might act to prevent it or might disclose it.
In other words, an action — the hostile hacking of another rival country's essential infrastructure, which the US government has warned other nations would be viewed as an "act of war," is being taken by the US military, without the President's or Congress's knowledge!
That should be enough to send shivers down the spine of any sane person. In fact, the that could lead to a US "military response."
If the Times is correct in both its articles, the current US hacking of Russia's power grid is evidence of a US military establishment run amok.
Congress should be outraged and calling for immediate hearings to determine the chain of command that allowed this to happen. Either Trump is lying, and knows all about the hacking, or some high-ranking military officers who acted without his knowledge should be fired the way President Truman fired an insubordinate Gen. Douglas McArthur during the Korean War.
…click on the above link to read the rest of the article…
The Ugly View of Western Democracy
The Ugly View of Western Democracy
From flimsy false flags in the Gulf to the signing of Assange's extradition warrant, Craig Murray reviews the abuses of power made obvious in the past two weeks.
Standing back a little and surveying the events of the last couple of weeks, gives a bleak view of the current state of Western democracy.
We have seen what appears to be the most unconvincing of false flags in the Gulf. I pointed out why it was improbable Iran would attack these particular ships. Since then we have had American military sources pointing to video evidence of a packed small Iranian boat allegedly removing a limpet mine from the ship the Iranians helped to rescue, which was somehow supposed to prove it was the Iranians who planted the alleged device. We also have had the Japanese owner specifically contradict the American account and say that the ship was hit by flying objects.
The Iranians certainly have a strange method of bomb disposal if they carry it out using unarmoured personnel, with as many as possible crammed into a small boat in immediate contact with the "mine." It is also hard to understand why the alleged "limpet mines" would be four feet above the waterline.
Limpet mines are placed below the waterline. There are numerous reasons for this. Firstly, holes above the waterline will not sink a ship. Secondly, the weight of the water helps contain the blast against the ship. Thirdly, it is obviously harder to detect both the diver placing the mine and the mine once placed if it is below the water. In fact it would be very difficult for a diver to place a limpet mine four feet above the waterline, even if they wanted to.
…click on the above link to read the rest of the article…
World War III – 2024-2027?
World War III – 2024-2027?
QUESTION: Besides the Bible, there are many clairvoyants who predict that there will be World War III. Your models predict the rise in war tensions. What is your "opinion" about the prospects for a third world war?
ANSWER: There is no doubt that we are in the process of a rising war cycle. It really appears to be more of a bitter war between leaders once again, as was the case with the last two World Wars. World War I was really about destroying the former Holy Roman Empire which had its seat of power in Vienna. That city was besieged in 1683 when the Ottoman Empire sought to conquer Europe. If you recall, the financial panics I used to discover the Economic Confidence Model began with the Panic of 1683 caused by the invasion of the Ottoman Empire.
The War Cycle is turning up and we are looking at a possible peak as early as 2027. This is why I have been concerned about the economic crisis in 2021-2022. Once the economy turns down, it will be the fuel for the war.
We must also respect that this particular cycle is the combination of both civil and international unrest. I do not believe we are in a cycle of conquest. Nobody wants to conquer and occupy each other — neither China, Russia, nor the USA. So, on the international level, it appears we are dealing with old grudges. When I have asked why Russia is our enemy since they abandoned communism, the only response I get is that, "Well, they are Russian!" World War I unfolded when the Archduke of Austria was assassinated by a Serb. He was heir to the throne of the old Holy Roman Empire. The French hated Germany for they were defeated under Napoleon. Additionally, in the first Treaty of Versailles in 1871 Germany became an empire at the expense of France. So it was really very much about settling old debts.
…click on the above link to read the rest of the article…
Blain's Morning Porridge – June 19th 2019
Blain's Morning Porridge – June 19th 2019
"You cannot be serious…"
Check out the new Edition of Property Chronicle: https://vimeo.com/342064460
Oh dear.. Now I am worried. The only positive I can discern is its International Martini Day – Dukes, here we come..
It was a massive Wowser WTF moment on stocks! Donald Trump says he's having a meeting with Xi and the stock market goes into the stratosphere! Then XI confirms, and its joy unlimited across markets. New records beckon.… Joy unconfined.. What can possibly go wrong? Softbank head Son telling investors it could be worth $1.8 trillion in a few years? (Note to self – sell stocks.)
On the other side of the pond, it's a Wow on Bunds…. Spectacular gains y'day taking the 10-year Bund rate to -0.33% after Mario Draghi talked about immediately lower rates, reopening QE and using all the unused A380s Superjumbos to drop wads of money across Yoorp. Spain bond buyers now get a gnat's crotchet of positive yields, while Italy is just over 2%! Trump immediately tweets branding Draghi an unfair currency manipulator. Draghi looks at the miserable German ZEW and wonders why Donald doesn't get on an do his own job… (Good to know Trump is on the ball and watching everything… everything.. (Crashing Minor Chords! Note to self – buy Treasuries and Gold).
Meanwhile, the Tories have found something to rally around… kicking Rory Stewart (which, thinking about it, has to be worth trying)… Last night's televised debate between the candidates was truly terrible. The only positives I could garner was Boris has been stripped of his personality, and Sajid Javid came across measured and even polite. I'd vote for him, but we will never get the chance because most of us are too sensible, young, clever, to be members of the party… Meanwhile, Corbyn looks likely to accept Labour policy will pivot towards a second referendum….
…click on the above link to read the rest of the article…
Pompeo To Present Military "Options" To Trump As Iran Threatens Carriers With "Precision" Ballistic Missiles
Pompeo To Present Military "Options" To Trump As Iran Threatens Carriers With "Precision" Ballistic Missiles
Echoing prior comments from Tehran's leaders that a US aircraft carrier in the Persian Gulf would set the stage fora "shooting gallery," the commander of Iran's elite Revolutionary Guard Corps (IRGC) warned Tuesday that its ballistic missiles are capable of hitting "carriers in the sea" with great precision.
"These missiles can hit with great precision carriers in the sea… These missiles are domestically produced and are difficult to intercept and hit with other missiles," Brigadier General Hossein Salami said in a televised speech, per Reuters.A 2017 Iranian military drill involving missile test on a carrier mock-up in the Persian Gulf.
He also asserted that Iran's ballistic missile technology had tipped the balance of power in the Middle East in Tehran's favor, even with an increasing build-up of American forces in the region, including the USS Abraham Lincoln carrier strike group deployed last month.
As we previously analyzed, it appears Tehran is now waging its own "maximum counter-pressure" campaign against the White House, given its been largely blocked from exporting its vitaltwo million barrels per day, and the US economic blockade sending its economy into a tailspin. Tehran could force Trump to choose among two bad options: see global oil squeezed with soaring prices due to a "tanker war" and military threats in the Strait of Hormuz, or commit US forces to yet another disastrous regime change war in the Middle East.
Iran appears ready to match threat for threat, as we mentioned: a real war is fast unfolding in the Middle East today, a war where oil tankers and oil delivery to the world (30% of world oil supply goes through the Gulf) are the targets. Brigadier General Hossein Salami
…click on the above link to read the rest of the article…
Markets are being Lulled into a False Sense of Accommodation
Markets are being Lulled into a False Sense of Accommodation
Those who take an interest in the actions of central banks will know that the advent of Brexit and Donald Trump's presidency has seen the direction of monetary policy gradually change in both the UK and the U.S.
Since the EU referendum, the Bank of England have raised interest rates twice, after initially cutting them and implementing a new round of quantitative easing in the aftermath of the vote. The first rate hike in November 2017 came over a decade since the bank last increased rates in July 2007.
A month after Donald Trump was confirmed as the 45th American president, the Federal Reserve raised rates for only the second time in nine and a half years. Since Trump's inauguration, they have gone on to hike a further seven times, and over the course of eighteen months (starting late 2017) the Fed have rolled off over $600 billion in assets from its balance sheet.
As the Fed continue to roll off assets until their balance sheet 'normalisation' programme ends in September, the sentiment amongst traders is that the central bank will soon begin a course of rate cuts in order to stave off the threat of a recession as the prospect of a full blown trade conflict with China and other nation states gathers momentum.
A similar sentiment can be found in the UK over Brexit. With the British economy stagnant and manufacturing and construction sectors in decline, there exists an expectation that the Bank of England will ultimately reverse course if an economic downturn takes hold.
…click on the above link to read the rest of the article…
Did the B-Team Overplay its Hand Against Iran?
Did the B-Team Overplay its Hand Against Iran?
Iranian Foreign Minister Javad Zarif has a term of endearment for Iran's enemies, "The B-Team."
The "B-Team" consists of U.S. National Security Advisor John Bolton, Israeli Prime Minister (nee Dictator) Benjamin Netanyahu, Saudi Crown Prince Mohammed Bin Salman and the UAE's Mohammed bin Zayed.
When we look seriously at the attacks on the oil tankers in the Gulf of Oman this week the basic question that comes to mind is, Cui bono? Who benefits?
And it's easy to see how the B-Team benefits from this attack and subsequent blaming Iran for it. With Japanese Prime Minister Shinzo Abe in Tehran opening up a dialogue on behalf of U.S. President Donald Trump the threat of peace was in the air.
And none of the men on the B-Team profit from peace in the Middle East with respect to Iran. Getting Trump to stop hurling lightning bolts from the mountain top the B-Team guided him up would do nothing to help oil prices, which the Saudis and UAE need/want to remain high.
Bin Salman, in particular, cannot afford to see oil prices drop back into the $40's per barrel. With the world awash in oil and supply tight, even with OPEC production cuts, Bin Salman is currently on very thin ice because of the Saudi Riyal's peg to the U.S. dollar, which he can't abandon or the U.S. will abandon them.
Falling oil prices and a rising dollar are a recipe for the death of the Saudi government, folks. Iran knows this.
Netanyahu and Bolton don't want peace because the U.S. fighting a war with Iran serves the cause of Greater Israel and opens up the conflict in the hopes of regime change and elimination of Iran.
Bolton, as well, is finally feeling the heat of his incompetence and disloyalty to Trump, according to John Kirakau at Consortium News.
…click on the above link to read the rest of the article…
Trump Offered to Suspend Sanctions While Negotiating With Iran, Khamenei Rejected the Offer: More Attacks Expected
Japanese Prime Minister Abe Shinzo conveyed a message from US President Donald Trump to the Iranian leadership, asking the release of 5 US prisoners and inviting Iran to sit around a negotiation table, adding "he [Donald Trump] would be ready to suspend all sanctions only during the negotiations". No guarantee was offered to freeze or revoke the sanctions. Sayyed Ali Khamenei, the Leader of the revolution, rejected the message and any dialogue with the US President and told his guest that he considers Trump unworthy to "to exchange a message with".
Informed sources close to Iranian decision makers repeated the words of President Hassan Rouhani and the Iranian advisor to Sayyed Khamenei for international affairs, Ali Akbar Velayati, namely that "if Iran can't export oil through the Persian Gulf, no-one in the Middle East will be able do this". The source "expects further attacks in the future, given the US decision to stop the flow of oil by all means at all costs. Thus, oil will stop being delivered to the world if Iran can't export its two million barrels per day".
Two tankers – Kokuka Courageous and Font Altair – were attacked in the Gulf of Oman on Thursday, putting at risk the supply of oil to the West and making oil tanker navigation in the Middle East very unsafe. "One more attack and insurance companies are expected to increase their fees. More attacks and no insurance company will agree to cover any oil tanker navigating in Gulf waters, putting Iran and other oil-exporters at the same level. Moreover, let us see what justifications Trump and Europe will offer their people when the price of oil becomes unaffordable", said the source.
…click on the above link to read the rest of the article…
Doug Casey: The Deep State Is the Source of Our Economic Problems
Doug Casey: The Deep State Is the Source of Our Economic Problems
Justin's note: As longtime readers know, Doug Casey says we're well into what he calls the Greater Depression.
America is headed for trouble… and it's critical to know exactly what's going on.
That's why today's essay is so important. In it, Doug explains the source behind every negative thing that's happening right now… and what's really going on behind the scenes.
It's one of the most educational and entertaining pieces you'll read all year.
I'd like to address some aspects of the Greater Depression in this essay.
I'm here to tell you that the inevitable became reality in 2008. We've had an interlude over the last few years financed by trillions of new currency units.
However, the economic clock on the wall is reading the same time as it was in 2007, and the Black Horsemen of your worst financial nightmares are about to again crash through the doors and end the party. And this time, they won't be riding children's ponies, but armored Percherons.
To refresh your memory, let me recount what a depression is.
The best general definition is: A period of time when most people's standard of living drops significantly. By that definition, the Greater Depression started in 2008, although historians may someday say it began in 1971, when real wages started falling.
It's also a period of time when distortions and misallocations of capital are liquidated, and when the business cycle, which is caused exclusively by currency debasement, also known as inflation, climaxes. That results in high unemployment, business failures, uncompleted construction, bond defaults, stock market crashes, and the like.
Fortunately, for those who benefit from the status quo, and members of something called the Deep State, the trillions of new currency units delayed the liquidation. But they also ensured it will now happen on a much grander scale.
The Deep State is an extremely powerful network that controls nearly everything around you. You won't read about it in the news because it controls the news. Politicians won't talk about it publicly. That would be like a mobster discussing murder and robbery on the 6 o'clock news. You could say the Deep State is hidden, but it's only hidden in plain sight.
…click on the above link to read the rest of the article…
False Flag intro to World War 3 tanker attacks
False Flag intro to World War 3 tanker attacks
Global Intel Hub – (London, UK 6/13/2019) — Most wars in the past 100 years have been started with a 'spark' which might be assassination, attacking of a ship, or bombing of Pearl Harbor. As we explain in Splitting Pennies the world is not as it seems.
We're not saying that this attack is a false flag – we are saying that all these attacks seem to fit the same profile. And we're not the only ones with this reaction, as other sites banned by Facebook have chimed in as well:
Honestly, Iran deciding to attack two "Japan-related" tankers while the Japanese head of state is in their country would push the Iranian government straight through "stupid" and out the other side into "suicidally insane". That said, if it is a "false flag" – by the US or anyone else – it's so blatant as to be borderline useless. Are the Deep State operatives of the US/UK/Israel or whoever, really that stupid?
As reported here on Zero Hedge:
Update 7: Ahead of comments to the UN Security Council (which will presumably block any action, with China and Russia backing Iran), unnamed officials are sharing with reporters some of what the US intends to say:
Earlier, the Saudis presented a letter to the council claiming that the Iran-backed Houthis had obtained special weapons training and were responsible for Wednesday's attack on Abha airport.
Pompeo said earlier that the US was in possession of "intelligence" suggesting Iran is behind the attack…but he neglected to offer any poof.
…click on the above link to read the rest of the article…
Fire and Flood: Politics as Usual Amid Planetary Destruction
Fire and Flood: Politics as Usual Amid Planetary Destruction
Photograph Source: U.S. Department of Agriculture – Public Domain
More and more, we look into our screens and gizmos. And this helps us — almost as if they were made for that purpose — not to think about the weather outside. Kept busy "curating" our own lives, we are regularly spared evidence of the coming catastrophe.
Long ago, in a memorable poem, Robert Frost guessed that there was a human need to bring the moods of the world into conformity with our moods:
"Tree at my window, window tree,
My sash is lowered when night comes on;
But let there never be curtain drawn
Between you and me."
He says he has seen the "head" of the tree "taken and tossed" in rough weather, as his own head was "taken and swept" by a dream. This resemblance between the world and himself somehow added to his interest in life:
"That day she put our heads together,
Fate had her imagination about her,
Your head so much concerned with outer,
Mine with inner, weather."
This sense of the human place in the fabric of nature — that there may be a deep connection between inner and outer weather — is starting to seem a thing of the past.
Can we still have inner weather when the outer weather changes so regularly and drastically? When 500 tornadoes rip through the country from Kansas to Pennsylvania in a matter of weeks? Or when 875,000 California acres burn down in the course of a summer? Rather than hear the message, we look into our smartphones or at our computer screens whose backgrounds may include breathtakingly lovely pictures of the planet — photos that show how beautiful a place it has been. As if we could have this Earth forever in reach, as if we could preserve it with a password or, by logging off, exchange it for another as lovely.
…click on the above link to read the rest of the article…
Kremlin Vows "Retaliatory Steps" Against "Aggressive" US Troop, Drone Build-up In Poland
Kremlin Vows "Retaliatory Steps" Against "Aggressive" US Troop, Drone Build-up In Poland
Russian lawmakers have said the new US-Poland joint declaration unveiled yesterday, which will see 1,000 more US troops sent to Poland from Germany along with military drones, will force the Kremlin to take "retaliatory steps" against what the Russian parliamentary statement called US "further large-scale deployments".
One lawmaker went so far as to say the Russian military "would make Poland a target in the event of a conflict," according to Reuters.
Russia's deputy foreign minister also warned of Washington's "aggressive intentions" following Trump's pledge to Polish President Andrzej Duda on Wednesday during a White House visit.
One Russian official, identified as the deputy head of the upper house of parliament's international affairs committee, told the Interfax news agency: "In the event of any conflict, God forbid, the territory of Poland would become a clear target for a retaliatory strike, if there was suddenly an attack on us," as cited in Reuters, while others warned of a new Cuban missile crisis scenario but this time on Russia's border.
Per the Reuters report, one top parliamentary official went so far as to invoke a nuclear scenario:
Another lawmaker, ex-commander of Russia's special forces Vladimir Shamanov, who now runs the lower house of parliament's defense committee, said he was concerned about the U.S. drones because of their potential to carry nuclear weapons.
"The world is gradually slipping toward a dangerous moment comparable to the Caribbean crisis," Shamanov said, using the Russian expression for the 1962 Cuban Missile Crisis – a standoff between the United States and the Soviet Union that brought the world to the brink of nuclear war.
"…We will be forced to take retaliatory measures and we have them in our armory," Interfax cited him as saying.
…click on the above link to read the rest of the article…
What Comes After Trump – World War III?
What Comes After Trump – World War III?
Those who are familiar with my articles would be aware that I am not given to catastrophism or alarmism. But perhaps the time has come to reflect on who will be president after Trump (whether after this or the next term) and what this will mean for relations with Russia and China.
What will the United States' relations with Russia and China be like when the 46th president of the United States takes office in 2025? This is a question that I often ask myself, especially in light of Trump's political choices regarding international arms-control treaties (INF Treaty), nuclear proliferation, economic war with China, a financial crisis that is artificially postponed thanks to QE, out-of-control military spending, an increasingly aggressive NATO stance towards the Russian Federation, and continuous provocations against the People's Republic of China. Where will we end up with after another five years of provocations? For how much longer will Putin and Xi Jinping maintain the "strategic patience" not to respond to Washington with drastic measures?
Let us imagine we are in 2025
The four current global hot spots – Iran, Syria, Venezuela and DPRK – have maintained their resistance to Washington's diktats and have emerged more or less victorious. Syrian territory in its entirety is now under the control of Damascus; Iran has established enough deterrents not to be attacked; Pyongyang continues in its negotiations with Washington as the reunification of the two Koreas continues along; the Bolivarian revolution still lives on in Venezuela.
Putin is preparing to leave the Russian Federation as president after 25 years. Xi Jinping could see his mandate expire in a few more years. Washington is about to appoint a new president, who in all probability will be the opposite of Trump, in the same way Obama was the opposite of Bush and Trump a reaction to Obama.
…click on the above link to read the rest of the article…
The lessons of Chernobyl: It's the West that now needs Glasnost
The lessons of Chernobyl: It's the West that now needs Glasnost
The much-acclaimed series 'Chernobyl' tells the story of the 1986 nuclear disaster and the authorities' attempts to play it down. Ironically, 33 years on, it's Western leaders who need to learn how to be honest and transparent.
It was the accident which some think led directly to the fall of communism. "Reformers in the Soviet Union, and Mikhail Gorbachev himself, used Chernobyl as an argument for more accountability and greater frankness, because the initial reaction of the Soviet authorities was anything but transparent. It became a symbol of what was wrong with the Soviet system," says Professor Archie Brown, author of 'The Rise and Fall of Communism', as cited in yesterday's Sunday Express newspaper.
Just three-and-a-half years after Chernobyl, the Berlin Wall came down, and in 1991, the USSR itself ceased to exist.
Western ideologues were quick to gloat, saying that a system which kept telling people lies and trying to cover things up was always doomed to fail, but in terms of openness and telling the truth, are we really much better than the Soviet Union of the 1980s?
Consider the way a succession of illegal wars has been sold to the public. We were told in 2003 that Iraq had 'weapons of mass destruction' which could be assembled and launched within 45 minutes. It was false, patently so, yet the Chilcot Report was only published 13 years later, and even now, no one has been prosecuted in relation to a war which led to the deaths of one million and the rise of Islamic State (IS, formerly ISIS).
In 2011, we went to war again, against Libya. Once more, our politicians were less than honest with us. We were told that we had to bomb because Colonel Gaddafi was going to massacre the inhabitants of Benghazi. Only five-and-a-half years later were we allowed to know the truth.
…click on the above link to read the rest of the article…
A ''Gusher Of Red Ink'' For U.S. Shale
A ''Gusher Of Red Ink'' For U.S. Shale
Oil prices are off more about 20 percent in the last two weeks on growing fears of a brewing economic recession. Commodities of all types have been hammered by the pessimism.
"Fear of global economic growth slowing," said Peter Kiernan, lead energy analyst at the Economist Intelligence Unit (EIU), according to Reuters, "afflicting the entire energy complex with worries that demand growth will be bearish this year." Prices for coal, natural gas and LNG, and crude oil have plunged.
"The continued escalation in trade tensions and broad-based fall in manufacturing…suggest that the downside risks to growth are becoming more prominent," Morgan Stanley analysts said in a note.
Yet another downturn could not come at a worse time for U.S. shale drillers, who have struggled to turn a profit. Time and again, shale executives have promised that profitability is right around the corner. Years of budget-busting drilling has succeeded in bringing a tidal wave of oil online, but a corresponding wave of profits has never materialized.
Heading into 2019, the industry promised to stake out a renewed focus on capital discipline and shareholder returns. But that vow is now in danger of becoming yet another in a long line of unmet goals.
"Another quarter, another gusher of red ink," the Institute for Energy Economics and Financial Analysis, along with the Sightline Institute, wrote in a joint report on the first quarter earnings of the shale industry.
The report studied 29 North American shale companies and found a combined $2.5 billion in negative free cash flow in the first quarter. That was a deterioration from the $2.1 billion in negative cash flow from the fourth quarter of 2018. "This dismal cash flow performance came despite a 16 percent quarter-over-quarter decline in capital expenditures," the report's authors concluded.
…click on the above link to read the rest of the article…


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To get out of debt using the ladder method, start by attacking the balance on the account that charges the highest interest rate, McClary says. While you're ramping up payments on that account, you make minimum payments on the others. When your highest-interest balance is gone, you move down a rung of the ladder and apply all your extra payments to the account with the next highest rate. You repeat the process until all your debt is eliminated.
My husband and I have always had separate bank account and financially we did what we wanted and never talked to the other about our spending. I feel like I make decent money and I am at my wits end because I get paid and everything goes to bills or to minimum payments. I stopped about 1.5 years ago putting more money on my credit card payments because I needed the money for bills. Today I just calculated my debt to income ratio (putting my husbands debt and income with mine) I was shocked! even after taking our mortgage out oft he equation we owe $40,972. When I was looking at just my credit cards or my car payment it didn't seem like an awful lot of credit. But now, I feel like the wind is knocked out of me. I am not even 30 years old and I owe almost as much as I may. I feel really really scared. but I am thankful for this article but it is just what I need to motivate me! things are going to change! things NEED to change.
We typically recommend fixing the rate as much as possible, unless you know that you can pay off your debt during a short time period. If you think it will take you 20 years to pay off your loan, you don't want to bet on the next 20 years of interest rates. But, if you think you will pay it off in five years, you may want to take the bet. Some providers with variable rates will cap them, which can help temper some of the risk.
Sometimes debt can just be an unintended consequence of too much holiday spending — or overspending any time of year. Many people try to get out of debt, but life slaps them in the face hard enough that they give up. But that doesn't have to be the case. There are so many people who are getting out of debt every single day, and not only that, but they are getting out of debt in a short period of time.
Who Is Holding My Money While I'm Waiting On A Settlement? Your funds will be held at Global Client Solutions, which is an FDIC insured trust account. This account will be opened in your name with you having ultimate control over its funds. The monies collected in this account get disbursed only at the time a negotiation is reached with the creditor and you agree with the settlement offer.
If you are really unable to repay your debts because you have no source of income at the moment or if there is just no realistic way that you could repay them in two to three years the final option is to file for bankruptcy. However, this would tarnish your credit history very seriously. You will be unable to get new credit for at least two or three years after your bankruptcy and when you do it will come with a very high interest rate. You will be required to pay more for your auto insurance and may have a problem renting a house or apartment. The bankruptcy will stay in your credit reports for 10 years and in your personal file for the rest of your life. Many employers now routinely check the files of prospective employees and some may decide to not hire you if they see a bankruptcy in your history.
Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.
You'll pay a nonprofit credit counseling agency to consolidate your debts into one monthly payment, while also reducing your interest rate, in an effort to pay off your debt faster. This is a good option for consumers in credit card debt who have a steady income to repay the debt within three to five years. Unlike debt settlement, a debt management plan should help improve your credit score.
Gerri. I screwed up bad. I joined up with a friend who said he can get a company going. I bought $13,000 worth of merchandice and loaned him through time about $15,000 in cash Through cash advanced from my cards. He bailed. I got about $4000 in tools back but I had previous balances(that were controlled) I ended up getting a consolidated loan. Big mistake. Total I owe $13,000($320 month)on a card and $34,000($806 month) to consolidated loan. Now I'm thinking of debt relief($906 per month){total of $34,000which is lower than what I owe on the two debts} My score is 750 est and I don't want to hurt that. I have house payment of $540 (pay off est $74,000) Car at $450 (pay off approx $15,000)one at $300(pay off approx $13,000) and one at $325 (pay off $23,000{bran new}) and basic stuff. Food, power bill, cable, insurance & cell phones that total up to approx $1300 month. My wife takes care of all that but the mistake of the two debts is all mine. I give her 80% of the pay and I take 20%. I average take home about $2500 to $3000 est every two weeks. I think I need a counselor. What should I do? I'm freaking cause I started the debt relief program($34,000 at $906 for 38 months which is lower than what I owe total on the two debts I'm discussing). but haven't signed the final paper just yet. I feel I make enough to pay off everything in no time but my wife says we are living paycheck to paycheck. All my wife's cards will be paid off probably in March. I'm like way confused
Ask for a rate reduction. If you haven't looked at the interest rates you're paying, especially on credit cards, take a look at your statement and find out. If you have been a consistent, on-time payer, your card company will want to retain your business. Tell them they can, if they drop your interest rate to the lowest levels. This is one area where "Ask and ye shall receive" should actually work.
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subset: commoncrawl


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We believe in providing you free access to immigration law advice. This is how we provide our "pro-bono" service to the community. There is no obligation to hire us, and we will give you the best advice we can in 10 minutes. We know how hard it is for you to get a simple answer to a simple question from an immigration attorney, immigration court, USCIS, Department of State National Visa Center or U.S. Embassy. I have personally helped thousands of people like you get an answer to that "one question" that creates relief from worry.
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Washington: Lawmakers Pass Legislation Facilitating Expungement Of Past Marijuana ConvictionsMay 1, 2019
House and Senate lawmakers this week approved legislation, Senate Bill 5605, facilitating the expungement of past low-level marijuana convictions. The legislation now awaits action by Democratic Gov. Jay Inslee, who has previously called for pardoning those with criminal records for marijuana violations.
The measure provides the courts with the discretion to vacate any misdemeanor marijuana conviction. Those seeking to have their records expunge will need to petition the sentencing court for the vacation of their records.
Governor Inslee has previously stated that he "believes that forgiving these convictions will allow people to move on with their lives without these convictions causing additional burdens on people, their families, their employers and their communities."
Once signed, the new law goes into effect on July 27, 2019.
For additional information on pending marijuana legislation, visit NORML's 'Take Action Center' here.
Report: Adult Use Legalization Associated With Increased Home ValuesApril 12, 2019
The passage of statewide adult use marijuana laws is associated with an immediate uptick in housing prices, according to an assessment published by the online service Clever Real Estate.
The study determined: "States that legalize recreational cannabis see an immediate bump in home values following legalization, even without retail dispensaries opening up. From 2017 to 2019, cities where recreational marijuana is legal saw home values increase $6,337 more than cities where marijuana is illegal" after controlling for potential confounders.
Cities that regulated retail marijuana facilities experienced an even greater increase in overall home prices.
By contrast, the study did not identify a similar significant increase in home prices in cities where only medical cannabis was legally regulated.
Regarding crime rates following the passage of legalization, the study failed to identify any overall trends in legal states that significantly differed from the national average. "The crime rate increases in Washington and Colorado are consistent with nationwide violent crime trends since 2014. … Using Colorado and Washington as case studies, it's clear that the market benefits from marijuana legalization outweigh the potential costs in terms of home values," the study's author concluded.
The report's findings are consistent with those of prior studies, such as those here and here.
Full text of the study, "How Legalizing Recreational Marijuana Impacts Home Values," appears online here.
Study: Traffic Fatalities Have Not Increased As A Consequence Of LegalizationMarch 21, 2018
The enactment of adult use marijuana regulation in Colorado and Washington is not independently linked to an increase in traffic fatalities, according to a study published this week by the National Bureau of Economic Research.
Investigators at the University of Oregon compared traffic accident outcomes in Colorado and Washington following legalization to other states with similar pre-legalization economic and traffic trends. They reported, "We find that states that legalized marijuana have not experienced significantly different rates of marijuana- or alcohol-related traffic fatalities relative to their synthetic controls."
Authors concluded, "In summary, the similar trajectory of traffic fatalities in Washington and Colorado relative to their synthetic control counterparts yield little evidence that the total rate of traffic fatalities has increased significantly as a consequence of recreational marijuana legalization."
The study's findings are similar to those of a 2017 study published in The American Journal of Public Health which reported, "Three years after recreational marijuana legalization, changes in motor vehicle crash fatality rates for Washington and Colorado were not statistically different from those in similar states without recreational marijuana legalization."
A 2016 study reported that the enactment of medical cannabis legislation is associated with an immediate decline in traffic fatalities among younger drivers.
Full text of the study, "Early evidence on recreational marijuana legalization and traffic fatalities" is available from the National Bureau of Economic Research. NORML's fact-sheets on cannabis, psychomotor performance, and accident risk is online here.
Status Report: The Impact Of Adult Use Regulatory SchemesFebruary 5, 2018
The legalization and regulation of marijuana for adults is associated with a drastic reduction in overall arrests, increased tax revenue, and is not adversely impacting public health or safety, according to a comprehensive report issued by the Drug Policy Alliance.
Among the report's highlights:
• Marijuana arrests are down. Arrests for marijuana in all legal marijuana states and Washington, D.C. have plummeted, saving states hundreds of millions of dollars and sparing thousands of people from being branded with lifelong criminal records.
• Youth marijuana use is stable. Youth marijuana use rates have remained stable in states that have legalized marijuana for adults age 21 and older.
• Marijuana legalization is linked to lower rates of opioid-related harm. Increased access to legal marijuana has been associated with reductions in some of the most troubling harms associated with opioids, including opioid overdose deaths and untreated opioid use disorders.
• Calls to poison control centers and visits to emergency departments for marijuana exposure remain relatively uncommon.
• Legalization has not made the roads less safe. DUI arrests are down in Colorado and Washington. The total number of arrests for driving under the influence, of alcohol and other drugs, has declined in Colorado and Washington, the first two states to regulate marijuana for adult use. There is no correlation between marijuana legalization and crash rates. The crash rates in both states are statistically similar to comparable states without legal marijuana laws.
• Marijuana tax revenues are exceeding initial estimates.
• The marijuana industry is creating jobs. Preliminary estimates suggest that the legal marijuana industry employs between 165,000 to 230,000 full and part-time workers across the country.
The full DPA report is available online here. Their findings are similar to prior reviews of the impact of adult use regulatory schemes on health and safety, such as this 2016 CATO Institute report.
NORML has similarly compiled fact-sheets of the most relevant peer-reviewed data addressing the impact of legalization on health, safety, and the economy here.
Colorado: Tax Revenue From The Legal Cannabis Industry Surpasses Half-Billion DollarsJuly 20, 2017
Revenues from Colorado's legal cannabis industry have surpassed over a half-billion dollars since retail sales began on January 1, 2014.
According to an analysis by VS Strategies, cannabis-related taxes and fees have yielded $506,143,635 in new state revenue over the past three and one-half years. (Local tax revenue was excluded from the analysis.) Much of the revenue raised has gone to fund school construction projects, school-drop out and substance abuse prevention programs, and grant funding.
The half-billion dollar total far exceeds initial projections. Tax revenue from legal cannabis sales in Oregon and Washington have also exceeded regulators' initial expectations. In Nevada, where retail sales to adult became legal on July 1, retailers reported over 40,000 transactions in just the first weekend.


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Positive Energy Child Care Experiences is a family child care provider in Fort Collins, CO. Positive Energy Child Care Experiences cares for children as young as 1 week through 12 years old. Please send an email for more information.
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A lot is going on in European fashion, not all of it on the runways. Buyers ended the first leg of their three-country fashion trek looking for items and trying to spot new trends. There are plenty of those, which will show up in Los Angeles stores soon, but not always made by the designers who featured them in their shows.
Buyers are increasingly looking at the option of private-label merchandise, where the store name is the only one inside the garment, to offer consumers high fashion at lower prices, to build store loyalty instead of designer name loyalty, and to compete effectively with the increasing number of designer boutiques and with chains such as the Limited, which continue to grow and to siphon off customers who might otherwise shop at traditional department stores.
But there are some designers who show such talents, fine workmanship and individuality that their clothes seem worthwhile at any price. Giorgio Armani is one of those. His was the last major show in Milan and the best. He received a seated ovation simply because the audience was too stunned to stand. They had seen clothes that bore the stamp of a perfectionist and an artist.
Armani's tailoring is flawless, his fabrics superb, and his silhouettes graceful. Whether working in tweed, plaid or solid color wool, in crinkled silk that looks like twill, in jersey or velvet, the designer carves a narrow silhouette that skims the body but is never tight. He showed long, full skirts, some for evening, slim skirts at knee length or longer, straight pants and extended shoulder jackets that narrowed over the bosom and rib cage.
He teamed his full, ankle-length skirts with civilized, tailored jackets and explored a dress shape reminiscent of Austrian peasant styles. It featured a narrow, long torso bodice that ended below the waist in a gathered, below-calf skirt.
His evening velvets were as beautifully carved as his daytime suits and dresses, and one crinoline-buttressed silk skirt was topped by a short, fitted jacket.
Armani's clothes are carried at I. Magnin and Maxfield in Los Angeles. A company spokesman confirmed that Armani is considering Los Angeles for his second freestanding Armani boutique in the United States. (The first is in New York.) It will not be on Rodeo Drive, she said.


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SEMO Night in Poplar Bluff
June 27 @ 6:00 pm - 8:00 pm$10
Event Navigation
Come join your fellow alums for an evening of networking and reminiscing! Appetizers will be provided and a cash bar will be available. A $10 registration fee helps with event costs. Please RSVP by Thursday, June 20, 2019.


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Brazilian-Portuguese Group Course, Pre-Intermediate A2 level. Ju on Tuesday 30th July - Thursday 8th August 2019
We have a Brazilian-Portuguese pre-intermediate Course (Level A2.2) from Tuesday 30 July to Tuesday 24 September from 7:35 to 9:05pm and the fee is £180.
Lessons take place once a week for 9 weeks in our office in Holborn.
This course is suitable to students who have completed the Elementary A1.2 and Pre-Intermediate A2.1 courses and are familiar with present and past tenses and want to expand their vocabulary.
Please email us if you are interested or if you would like more information you can visit our website:
Entry Prices
Minimum age: 18
Entry price (public): £180 (Additional fees may apply)
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Please note: The event information above has been added by the organiser. Whilst we try to ensure all details are up-to-date we do not make any warranty or representation as to the accuracy or completeness of the information shown.