25 April 2004

Bounce...not just for the dryer!

Thanks Julie for this:

It will chase ants away when you lay a sheet near them.
It also repels mice.. spread them around foundation areas, or in
trailers or cars that are sitting and it keeps mice from entering
your vehicle.

It takes the odor out of books and photo albums that don't get
opened too often.

Repels mosquitoes. Tie a sheet of Bounce through a belt loop when outdoors during mosquito season.

Eliminates static electricity from your television (or computer)

Since Bounce is designed to help eliminate static cling, wipe your television screen with a used sheet of Bounce to keep dust from resettling.

Dissolve soap scum from shower doors. Clean with a sheet of Bounce.

Freshen the air in your home. Place an individual sheet of Bounce in a drawer or hang in the closet.

Put Bounce sheet in vacuum cleaner.

Prevent thread from tangling. Run a threaded needle through sheet of Bounce before beginning to sew.

Prevent musty suitcases. Place an individual sheet of Bounce inside empty luggage before storing.

Freshen the air in your car. Place a sheet of Bounce under the
front seat.

Clean baked-on foods from a cooking pan. Put a sheet in a pan, fill with water, let sit overnight, and sponge clean. The anti-static agent apparently weakens the bond between the food.

Eliminate odors in wastebaskets. Place a sheet of Bounce at the
bottom of the wastebasket.

Collect cat hair. Rubbing the area with a sheet of Bounce will
magnetically attract all the loose hairs.

Eliminate static electricity from venetian blinds. Wipe the blinds with a sheet of Bounce to prevent dust from resettling.

Wipe up sawdust from drilling or sand papering. A used sheet of Bounce will collect sawdust like a tack cloth.

Eliminate odors in dirty laundry. Place an individual sheet of
Bounce at the bottom of a laundry bag or hamper.

Deodorize shoes or sneakers. Place a sheet of Bounce in your shoes or sneakers overnight.

Golfers put a Bounce sheet in their back pocket to keep the bees away.

Put a Bounce sheet in your sleeping bag and tent before folding and storing them. Keeps them smelling fresh.

Save Our Salmon: Remove Snake River Dams

Thank you www.care2.com for this:

Send a letter to President Bush encouraging him to help restore wild salmon populations.

WHY? Swimming thousands of miles and climbing mountains en route to their natal streams, the epic wild salmon are a wonder of Nature. Now, because of four dams on the Lower Snake River, these Pacific Northwest fish are in danger of extinction and President Bush's policies are keeping salmon in hot water. In fact, this month the Snake River was listed as America's third most endangered river.

Over $3.5 billion has been spent on failed salmon recovery measures -- like trucking salmon around dams -- but biologists agree that removal of the four lower Snake River dams is the best recovery measure for salmon.

This Earth Day, we have a window of opportunity to encourage President Bush to do the right thing -- remove the four lower Snake River dams and save wild salmon from extinction. Take Action TODAY and send a letter to President Bush encouraging him to help restore wild salmon populations.

24 April 2004

One in Three Baby Seals To Be Clubbed

Over the last six years Canada's seal hunt has been quietly growing. This year the Canadian government will allow the killing of up to 350,000 baby harp seals, or more than one in three born, largely for their valuable fur.

Seal mothers can only stand by and watch or be killed as men crush their babies before their eyes. There is no excuse for this type of barbaric behavior!

Stop the killing of seals in Canada

In few weeks time the seal hunt will start all over again in Newfoundland. Last year The Ministry of Fisheries and Oceans exceeded their quota by 32,000 animals and their estimate of a "sustainable" hunt by more than 50,000.
The hunters, armed with clubs and other illegal weapons, beat to death the baby hooded and harp seals in front their mothers, who often die trying to save their pups. Male adults often are left to bleed to death after have their penises brutally removed to export to countries such as Japan where they are used as aphrodisiacs.
The most shocking evidence comes from 2001, when an international team of Veterinarians who witnessed the hunt, performed post-mortem examinations among some carcasses chosen randomly and proved that a 42% of those seals where skinned alive !!!
This is the largest mammal killing in the world and there is no excuse for such a massacre or for the torture of these beautiful living beings. It only gives Canada a bad name as a primitive nation profiting from the fur of baby seals.

Please, we urge you to stop allowing and supporting the killing of Canadian wildlife in such horrific way!


Dad sent me this. You can replace "she" with "he" very easily and I am wondering if this is how politicians think.;-):

One day a seamstress was sewing while sitting close to a river and her thimble fell into the river. When she cried out, the Lord appeared and asked, "Why are you crying?"

The seamstress replied that her thimble had fallen into the water, and she needed the thimble to make her living.

The Lord went down into the water and reappeared with a golden thimble.

"Is this your thimble?" the Lord asked.

The seamstress replied, "No."

The Lord again went down and came up with a wooden thimble. "Is this your thimble?" the Lord asked.

Again, the seamstress replied, "No."

The Lord went down again and came up with a silver thimble. "Is this your thimble?" the Lord asked.

The seamstress replied, "Yes."

The Lord was pleased with the woman's honesty and gave her all three thimbles to keep, and the seamstress went home happy.

Some time later, the seamstress was walking with her husband along the riverbank, and her husband fell into the river. When she cried out, The Lord again appeared and asked her, "Why are you crying?"

"Oh Lord, my husband has fallen into the water!"

The Lord went down into the water and came up with Mel Gibson. "Is this your husband?" the Lord asked.

"Yes," cried the seamstress.

The Lord was furious. "You lied! That is an untruth!"

The seamstress replied, "Oh, forgive me, my Lord. It is a misunderstanding.

You see, if I had said 'no' to Mel Gibson, you would have come up with Tom Cruise. Then if I said 'no' to him, you would have come up with my husband. Had I then said 'yes,' you would have given me all three. Lord, I am a poor woman and am not able to take care of all three husbands, so THAT'S why I said yes to Mel Gibson."

The moral of this story is: Whenever a woman lies, it is for a good and honorable reason, and for the benefit of others.

That's our story, and we're sticking to it.

Have a GREAT day!!!!!

22 April 2004

John's birthday

MARK YOUR CALENDARS for John's 40th birthday Saturday, June 12, 2004.

Idlewild has new attraction called “THE HOWLER,” which is said to be a cross between the Scrambler and the Spider!

I am hard at work making all the necessary arrangements to make this a most enjoyable day for everyone. In addition to the many rides and games Idlewild has to offer, you are more than welcome to stay in our new apartment, or if you like, we could pitch our tents in the yard, or whatever you would like. Our town websight is at www.perryopolis.com, or check out Idlewood park at www.idlewood.com.
So please, make your plans now to attend. It just wouldn’t be the same without you!

Keep watching for further updates and information as birthday time nears.

See you at Idlewild on the 12th of June for a day of FUN and SUN!

Please rely as soon as possible to let us know if you can make it so we can make plans.:-)

All ideas are welcomed.

And if you know of anyone that I forgot, or do not have the email address to, please extend the invitation.:-)


By the way, John's company picnic is at the same time in Idlewood, which is how we came up with this. I phoned the lady in charge, and she said we could get discounted tickets for family and friends.:-) And that we could have a birthday party at the same time since the company is planning on having a picnic.:-) We would really love to share this with our family and friends.:-)

21 April 2004


I got this sent to me by a friend of mine. I did not know this:

Lauren was 19 yr. old and in college. This story takes place over the
Christmas/New Year's holiday break. It was the Saturday before New Year's
and it was about 1PM in the afternoon, and Lauren was driving to visit a
friend. An UNMARKED police car pulled up behind her and put his lights on.

Lauren's parents have 4 children (high school and college age) and have
always told them never to pull over for an unmarked car on the side of the
road, but rather wait until they get a gas station, etc., so Lauren had
actually listened to her parents advice, and promptly called #77 on her cell
phone to tell the police dispatcher that she would not pull over right away.

She proceeded to tell the dispatcher that there was an unmarked police car
with a flashing red light on his rooftop behind her. The dispatcher checked
to see if there where police cars where she was and there wasn't and he told
her to keep driving, remain calm and that he had back up already on the way.

Ten minutes later 4 cop cars surrounded her and the unmarked car behind her.
One policeman went to her side and the other surrounded the car behind. They
pulled the guy from the car and tackled him to the ground....the man was a
convicted rapist and wanted for other crimes. I never knew about the #77
Cell Phone Feature, but especially for a woman alone in a car, you should
not pull over for an unmarked car.

Apparently police have to respect your right to keep going to a "safe"
place. You obviously need to make some signals that you acknowledge them
(i.e. put on your hazard lights) or call #77 like Lauren did. Too bad the
cell phone companies don't give you this little bit of wonderful
information. So now it's your turn to let your friends know about #77. Send
this to every woman you know, it may save their life!

P.S. I just called #77 on my cell phone and the local dispatch officer
answered. I told her I had just received this e-mail and wanted to verify
the facts before I sent it on. She said, "Yes, Ma'am. That is correct. #77."

20 April 2004

Saudis said to boost oil output

No. 1 oil exporter will reportedly increase production before election in effort to help Bush.

April 19, 2004: 7:09 AM EDT

NEW YORK (CNN) - A top Saudi official has assured President Bush that his country will increase oil production to lower gas prices before November to help the president's re-election prospects, according to a broadcast report Sunday.

Washington Post journalist Bob Woodward, discussing his new book on the run-up to the Iraq war on CBS' '60 Minutes,' said Prince Bandar bin Sultan, the Saudi ambassador to the United States and a long-time friend of the Bush family, has given the pledge that "certainly over the summer, or as we get closer to the election, they could increase production several million barrels a day and the price would drop significantly."

Earlier this month, the Saudi ambassador publicly said his country wants to stabilize world oil prices because of the effect a price spike might have on economies around the world, including Saudi Arabia. He did not link the effort to the U.S. election.

Record-high gas prices have become an issue in the presidential race between Bush and the presumptive Democratic nominee, Sen. John Kerry.

Kerry has criticized Bush for not doing more to bring high prices under control, while the Bush campaign has run ads noting that Kerry once supported a 50-cent per gallon increase in the federal gasoline tax, which would have meant even higher prices.

Amid concerns that plans by OPEC to cut oil production could raise prices even further, Prince Bandar went to the White House April 1 to meet with National Security Adviser Condoleezza Rice and to deliver a message to Bush from Crown Prince Abdullah, the de facto Saudi ruler.

Afterward, he told reporters that Saudi Arabia is committed to heading off any shortages in the world energy market.

"We will not allow shortages in the market because that will hurt the world economy," he said. "Saudi Arabia does not live on the moon. When the world economy gets hurt, we get hurt also."

He also said that the president and the crown prince "have been in touch on this subject for a while now."

"Both leaders feel strongly that higher energy prices have a negative impact on the world economy and on the recovery of the world economy," Prince Bandar said. "We will not allow shortage of the markets of oil in the market to increase the prices."

The ambassador said Saudi Arabia would like to see the price of oil, which now tops $33 a barrel, to be between $22 and $28 a barrel.

OPEC has said it plans to cut production by as much as 1 million barrels per day in April, which would further increase prices. However, Saudi Arabia, as OPEC's most influential member and largest producer, could thwart those plans.

Find this article at:


1. When I say move, it means go someplace else. It
does not mean switch positions with each other so
there are still two of you in the way.

2. The dishes on the floor are yours and contain your
food. All other dishes are mine and contain my food.
(Please note: placing a paw print in the middle of my
dinner does not stake your claim on it, nor do I find
it aesthetically pleasing in any way.)

3. The stairway was not designed by NASCAR and is not
a racetrack. Beating me to the bottom is not the
object. Tripping me doesn't help because I fall faster
than you can run.

4. I cannot buy anything bigger than a king size bed.
Locate your inner beast and remember that sleeping
animals can actually curl up in a ball. So it is not
necessary to sleep perpendicular to each other,
stretched out to the fullest extent possible.

5. My compact discs are not miniature Frisbees.

6. For the last time, humans like to use the bathroom
alone. If by some miracle I beat you there and manage
to get the door shut, it won't help to claw, whine,
meow, bite the knob, or get your paw under the edge
and try to pull the door open. (Trust me, I have been
using the bathroom for years.. canine or feline
attendance is not mandatory.)

7. When you see me asleep on the couch, it is not
funny to make a sudden leap onto my stomach and drop a
chew toy, bone or jingle ball on my crotch, no matter
how much that makes other family members laugh.

8. Dog: Don't think for a minute that making a sad
face and whimpering pathetically will get you out of
trouble when I find a puddle of pee on the carpet. The
face and the whimpering only validate that you knew it
was wrong when you did it.

9. Cat: My sitting down to bite into a juicy sandwich
is not a signal for you to begin gagging loudly and
then hocking up the most disgusting hairball in

10. Dog and Cat: The proper order is kiss me, then go
lick yourself. I cannot stress this enough.

To pacify you I have posted the following message on
our front door:

Rules for Non-pet owners who visit and complain about
our pets:

1. They live here; you don't.

2. If you don't want their hair on your clothes, stay
off the furniture.

3. I like my pet better than I like most people.

4. To you it's an animal. To me, it's is an adopted
child who is short, hairy, walks on all fours and is

5. Dogs and cats are better than kids. They eat less,
are easier to train, usually come when called, don't
ask for money, never drive your car, don't hang out
with losers, don't drink or smoke, don't worry about
the latest fashions, don't wear your clothes and don't
need a gazillion dollars for college. And if they get
pregnant, you can sell the results.

Chlorine in Household Cleaners

Excerpted from Seventh Generation's Information Bulletin, "Facts about Chlorine."

Simple Solution

Should I worry about chlorine in household cleaners? In a word: Yes. Whether found alone or in a mixture of other chemicals, household products that contain chlorine pose a number of serious health risks. Products of special concern include: automatic dishwashing detergents, chlorine bleach, chlorinated disinfectant cleaners, mildew removers, and toilet bowl cleaners.

Many household cleaners contain chlorine, though it often masquerades behind aliases such as "sodium hypochlorite" or "hypochlorite."

Breathing in the fumes of cleaners containing a high concentration of chlorine can irritate the lungs. This is particularly dangerous for people suffering from heart conditions or chronic respiratory problems such as asthma or emphysema. And the risks are compounded when the cleaners are used in small, poorly ventilated rooms, such as the bathroom. Chlorine is also a highly corrosive substance, capable of damaging skin, eyes, and other membranes. Chlorine was listed as a hazardous air pollutant in the 1990 Clean Air Act, and exposure to chlorine in the workplace is regulated by federal standards. What is Chlorine?

What Can I Do to Protect My Family from the Hazards of Chlorine? You can do plenty.

• One of the most important things you can do is buy paper products that aren't bleached with chlorine. That's because chlorine bleached paper can contain dioxin and organochlorine residues that can transfer to any food or person they come in contact with. Choose instead unbleached paper towels, napkins, facial tissue, and bathroom tissue… . How Does Paper Bleaching Affect Me?

• The EPA says that using bleached coffee filters alone can result in a lifetime exposure to dioxin that "exceeds acceptable levels". Choose instead unbleached coffee filters.

• Using detergents that contain chlorine in the dishwasher or clothes washer can pollute the air in your home. The water in the machines, which contains chlorine from the detergents, transfers the chlorine to the air through a process called "volatilization." We then breathe the contaminated air. Choose instead cleaning products made without chlorine. Once These Chemicals Are Inside My Body, What Can Happen?

• Dishwashers are the worst culprits, releasing chemicals in a steamy mist when the door is opened after washing. In a clothes washer, chlorine mixes with the dirt in clothes to generate airborne, toxic chlorinated organic chemicals. Chlorine-free dishwashing detergents are readily available. Click hereto read the rest of Seventh Generation's Information Bulletin, "Facts about Chlorine.

Helpful Hints

• Particularly dangerous are fragranced chlorine bleaches and products made with chlorine bleach plus surfactants. Disguising the odor – actually making the experience of inhaling chlorine bleach pleasant – can lead to over-exposure, as we inhale the fumes unchecked.

• Another danger lies in mixing household products containing chlorine, either intentionally or unintentionally. These mixtures can create chlorine gas and chloramines, both of which are toxic gases that can injure the deep tissues of the lungs. Although the number of reported incidents is relatively small, the percentage of accidents with moderate to serious outcomes is high.

SUV-TV Challenge

Just wanted to let you know that I'm taking the Union of Concerned Scientists' SUV-TV Challenge. SUV-TV is a fun and interesting new website on how American consumers could be getting a cleaner, safer SUV right now that would be better for everyone on our highways and byways.
I agreed to help UCS get 50,000 people by April 26 to demand a better SUV, and if at least five of my friends take action, I get registered for an opportunity to win some great clean car prizes.
So please click on this link and take action
(You have to use this link for the site to recognize you as my friend)
Feel free to spread the word and join in the SUV-TV challenge too. It would be great to win a clean car prize, but it's most important to make sure we make a big statement to our leaders that we want SUV's that are safe, fuel efficient, and good for the environment.

15 April 2004

An Open Letter to Condoleezza Rice

A friend emailed me, and I thought I would share it:

[As usual anything I forward to you represents the original author's opinion. I may or may not agree with their opinion either in part or in its entirety. This author has a far more detailed analysis of the financial aspects behind 9/11 at the links included below. I've appended her resume at the end. -RL]

April 9, 2004

by former Assistant Secretary of Housing, Catherine Austin Fitts

Date: April, 9 2004
Subject: Open Letter to Condoleezza Rice
TO: President George W. Bush; Vice President Richard Cheney
National Commission on Terrorist Attacks Upon the United States

Ladies and Gentlemen:

Attached please find a letter sent to Condoleezza Rice via Webmail

Sincerely Yours,

Catherine Austin Fitts
Former Assistant Secretary of Housing, Bush I
Solari, Inc
Hickory Valley, Tennessee


"You Are a Liar"


Catherine Austin Fitts
Former Assistant Secretary of Housing

Hon. Condoleezza Rice
National Security Advisor
The White House
1600 Pennsylvania Avenue NW
Washington, DC 20500

April 9, 2004

Dear Ms. Rice:

I am writing to communicate four points regarding your testimony yesterday
under oath before the National Commission on Terrorist Attacks Upon the
United States.

Point #1: You are a liar.

Attorney General Ashcroft sits on the National Security Council. Warned by
his FBI security detail, the head of law enforcement for the United States
knew to avoid commercial airlines on September 11, 2001.

It was your job as National Security Advisor to make sure that the people
who flew on American Airlines Flight 11, United Airlines Flight 175,
Airlines Flight 93 and American Airlines Flight 77 had the benefit of the
same warnings as those they paid to protect us.

You knew. You kept silent. They died.

You had numerous warnings of the risks of 9-11 - sufficient to let the
American people know and use their best judgment as to how to protect
themselves from a possible attack. It was your job as National Security
Advisor to make sure that the people in the South Tower of the World Trade
Center had the knowledge they needed to evacuate their building upon
seeing the North Tower hit by a plane.

You knew. You kept silent. They died.

Point #2: Your motives are transparent.

The World Trade Center is in the heart of New York City - one of the great
financial capitals of the world. The Pentagon is in the heart of
Washington -- the appropriation and accounting capital for the US federal
budget and credit and the US Treasury - the largest issuer of securities
in the world.

Unlike many other terrorist attacks, these attacks killed people whose
family, friends and neighbors understand how these financial systems work.
Victim families, friends and the residents of the communities directly
harmed can calculate who made money on 9-11 profiteering. They can trace
the flow of money into the 2004 Presidential campaign coffers from the profits
your supporters made as a result of 9-11 profiteering. They can calculate
how 9-11 profiteering connects to the financing and silence of corporate

Those personally impacted and the global researchers they network with
have the intellectual power and personal courage to ask and answer, "Cui Bono?"
(Who Benefits?) They understand that your success as National Security
Advisor is as a direct result of your failure to stop 9-11. They can see
how your lies about 9-11 made money for the investment syndicate that put you
in power and for the buyers of US Treasury securities who are so richly paid
to finance the US military, intelligence and enforcement apparatus and the
defense contractors and oil interests it serves.

All the campaign ads in the world can not now convince the American people
that you have their best interests at heart.

Point #3: You are going down.

The richest and most powerful people in the world pay for performance.
They pay you to make the US governmental apparatus look legitimate while they
use it to centralize economic and political power. That means they need liars
who are better at lying than you.

The myth that you had no idea that Americans deserved to be warned about
the risks of flying or planes being used as weapons is now in the dust heap
with the notion that the United States attacked Iraq and our soldiers are dying
to protect us from Iraqi weapons of mass destruction.

Your lies of 9-11 - like your lies about the Iraqi war - have been
profitable for the military-banking complex you represent. These lies,
however, have not misled the crowd. The American people and global
citizens are looking for the truth. We demand the changes that will give meaning
and honor to those who died on 9-11 and in the ensuing wars. We demand an end
to further bloodshed. We demand a refund of all that you and your backers
have stolen from those of us who remain alive.

Point #4: You are guilty of criminal gross negligence.

If you want to catch a terrorist today, you need look no further than your
own mirror.

Many Americans gather this weekend to give thanks that Jesus died for our
sins and gave us the covenant of grace. In the spirit of our Lord's
crucification and resurrection, may God have mercy on your soul.

Sincerely Yours,

Catherine Austin Fitts
Former Assistant Secretary of Housing, Bush I
Solari, Inc
PO Box 157
Hickory Valley, TN 38042

Letter Submitted:

White House Webmail: https://sawho14.eop.gov/PERSdata/intro.htm
E-mail cc to:
President George W. Bush: president@whitehouse.gov;
Vice President Richard Cheney: vice.president@whitehouse.gov;
The White House
1600 Pennsylvania Avenue, NW
Washington, DC 20500
Comments: 202-456-1111
Tel: 202-456-1414

National Commission on Terrorist Attacks Upon the United States
301 7th Street, SW
Room 5125
Washington, DC 20407
(202) 331-4060

Background Articles:

Ashcroft Flying High
CBS News
Washington DC, July 26, 2001

A Historical Whitewash?
by Kelly Patricia O'Meara
Insight Magazine, November 24, 2003

If the World Was Talking, Why Didn't We Listen?
by Kelly Patricia O'Meara
Insight Magazine, November 24, 2003

9-11 Profiteering
by Catherine Austin Fitts
Scoop Media, March 22, 2004

A Letter to the Editor of the Wall Street Journal
by Catherine Austin Fitts
Scoop Media, October 6, 2003

Where is the Money?

Catherine Austin Fitts
Solari, Inc.
PO Box 157
Hickory Valley, TN 38042

Solari -> Who -> Bio


Solari, Inc., Hickory Valley, Tennessee
President of investment advisor (in formation).

The Hamilton Securities Group, Inc., Washington, DC, San Francisco, CA, and New York, NY
President, 1991-1998. Responsible for founding and building this
broker-dealer/investment bank with special emphasis on financial software
technology and advanced decision science. Transactions for government and
private clients totaled $12 billion of auctions and private placements.
Portfolio strategy for the Federal Housing Administration related to $400
billion of mortgage insurance and related securities and real estate
assets and liabilities. Transactions and portfolio strategy relied heavily on
pricing infrastructure of software, databases and pricing tools used to
identify and price existing and pro forma geographic flows of private and
public income and investment on an integrated basis.

U.S. Department of Housing and Urban Development, Washington, DC
Assistant Secretary for Housing-Federal Housing Commissioner, 1989-1990.
Responsible for the operations of the Federal Housing Administration,
including: annual originations of $50-100 billion of mortgage insurance;
servicing of $320 billion of mortgage insurance, mortgages and properties,
portfolio analysis and pricing for 63,000 communities; production and
management of assisted private housing; reengineering of organization of
7,000 employees in 80 offices nationwide; migration of systems to network
systems and tools; and advisor to the Secretary on capital markets
regulatory responsibilities, including the RTC Oversight Board, Federal
Housing Finance Board and Home Loan Bank Board System, Fannie Mae and
Freddie Mac. Focus included changes in law, regulations and administration
to institute financial and appropriation controls and financial, actuarial
and place based disclosure for FHA, federal credit programs and agencies
government wide.

Dillon, Read & Co. Inc., New York, NY
Managing Director and Member, Board of Directors, 1986-1989; Senior Vice
President, 1984-1986; Vice President, 1982-1984; Associate, 1978-1982.
Served in the Corporate Finance, Energy Finance, Mergers and Acquisitions
and Public Finance Departments.


* The Wharton School, University of Pennsylvania, M.B.A., 1978
* The University of Pennsylvania, B.A., 1974 (History)
* Yale-in-China Language Institute, Hong Kong (Mandarin)
* Bennett College, A.A., 1970 (English)
* Summer Schools, Harvard 1969, Stanford 1970
* Sabbatical, MIT, Fall 1995


* Column: The Real Deal, Scoop Media
* Regular Contributor: Sanders Research Associates, Le Metropole Cafe,
and From the Wilderness
* Regular Speaker & Radio Talk Show Guest



* Member, Greater Mount Calvary Holy Church, 11/97- date
* Member, Hickory Valley Baptist Church, 11/99-date

Business & Capital Markets

* Member, Rotary Club of Bolivar, TN, 3/04-date
* Member, Advisory Board, Sanders Research Associates, 6/01-date
* Member, The Economic Club of New York, 1/88-12/01
* Member, Board of Directors, Student Loan Marketing Association, Sallie
Mae, 11/91-3/94
* Member, Board of Directors, Dillon, Read & Co. Inc., 1/86-3/89
* Member, Board of Directors, Carteret Savings Bank, F.A., Morristown,
NJ, 6/91-12/92
* Member, Board of Directors, First American Corp. and First American
Bankshares, Inc., 3/94-10/96
* Member, Advisory Council, Federal National Mortgage Association,
Fannie Mae, 2/92-12/93
* Member, Emerging Markets Advisory Committee, Securities & Exchange
Commission, 4/90-10/93
* Member, The Bond Club of New York, Inc., 2/88-3/89

Information Technology

* Member, Advisory Board, HTML.com, 11/02-date


* Member, Board of Trustees, The Friends Select School, 9/99-5/02
* Member, Graduate Executive Board, Wharton School, University of
Pennsylvania, 4/86-10/94
* Member, Board of Overseers, University of Pennsylvania School of
and Sciences, 2/87-3/89
* Member, Board of Directors, Wharton Business School Club of New
Inc., 12/88-3/89
* Member, Advisory Board, The Wharton School Club of Washington, DC,
* Member, Board of Trustees, Bank Street College, 11/88-3/89
* Member, Capital Task Force Financial Advisory Group, New York City
Brd. of Education, 7/87-3/89

Arts & Community

* Member, Board of Directors, New York City Food Bank, 3/87-3/89
* Member, Council for Excellence in Government, 7/91-12/97
* Member, The Urban Land Institute, 5/90-12/97
* Member, Board of Directors and Executive Committee, National Multi
Housing Council, 4/92-12/95
* Member, Board of Directors, The Housing Roundtable, Inc., 1/91-12/93


1. Throw out nonessential numbers. This includes age, weight and height.
Let the doctor worry about them. That is why you pay him/her.

2. Keep only cheerful friends. The grouches pull you down.

3. Keep learning. Learn more about the computer, crafts, gardening, whatever.
Never let the brain idle. " An idle mind is the devil's workshop."
And the devil's name is Alzheimer's.

4. Enjoy the simple things.

5. Laugh often, long and loud. Laugh until you gasp for breath.

6. The tears happen. Endure, grieve, and move on.
The only person who is with us our entire life, is ourselves.
Be ALIVE while you are alive.

7. Surround yourself with what you love, whether it's family, pets, keepsakes, music, plants, hobbies, whatever. Your home is your refuge.

8. Cherish your health: If it is good, preserve it. If it is unstable, improve it.
If it is beyond what you can improve, get help.

9. Don't take guilt trips.
Take a trip to the mall, to the next county, to a foreign country,
but NOT to where the guilt is.

10. Tell the people you love that you love them, at every opportunity.


Life is not measured by the number of breaths we take,
but by the moments that take our breath away.

10 April 2004


This is something a friend of mine emailed me:

A couple was celebrating their golden wedding anniversary.
Their domestic tranquility had long been the talk of the town,
"What a peaceful and loving couple."
A local newspaper reporter was inquiring
as to the secret of their long and happy marriage.

"Well, it dates back to our honeymoon,"
explained the man.
"We visited the Grand Canyon
and took a trip down to the bottom of the canyon
by pack of mule.
We hadn't gone too far when my wife's mule stumbled.
My wife quietly said,

'That's once.'

"We proceeded a little further and the mule stumbled again.
Once more my wife quietly said,

'That's twice.'

"We hadn't gone a half-mile when the mule stumbled the third time.
My wife quietly removed a revolver from her purse and shot the mule dead.
I started an angry protest over her treatment of the mule, when
she looked at me and quietly said,

'That's once.'

And we lived happily ever after."

09 April 2004

Happy Good Friday

I copied this explanation of Easter from care2.com:

Origins of Easter

The name Easter comes from Eastre, an ancient Anglo-Saxon goddess, originally of the dawn. In pagan times an annual spring festival was held in her honor. Some Easter customs have come from this and other pre-Christian spring festivals. Others come from the Passover feast of the Jews, observed in memory of their deliverance from Egypt. The resurrection of Jesus took place during the Passover. In the early days of Christianity Easter and the Passover were closely associated.

Prior to A.D. 325, Easter was celebrated on different days of the week, including Friday, Saturday, and Sunday. In that year, the Council of Nicaea was convened by emperor Constantine. They issued the Easter Rule which places Easter on the first Sunday after the first full moon on or after the vernal equinox (first day of Spring). Therefore, Easter must be celebrated on a Sunday between the dates of March 22 and April 25.


Preceding Easter Sunday is the 40-day penitential season of Lent, beginning on Ash Wednesday and concluding at midnight on Holy Saturday. Lent is a season of prayer, abstinence, and fasting. This is observed in memory of the 40 days' fast of Christ in the desert. Lent is observed for six weeks and four days by the Western Christian churches that include Saturday and Sunday into the total. In Eastern Orthodox churches Lent is 50 days since they do not count Saturdays or Sundays.

Shrove Tuesday, the day before the beginning of Lent, was designed as a way to "get it all out" before the sacrifices of Lent began. Known the world over as Mardi Gras (Fat Tuesday) or Carnival. It is celebrated in many cities, the most famous being New Orleans, LA.

Ash Wednesday, the first day of Lent, gets its name from the practice, mainly in the Roman Catholic church, of putting ashes on the foreheads of the faithful to remind them that man is but dust.

Holy Week

Palm Sunday: This is held on the Sunday before Easter Sunday. It recalls Jesus' triumphant entry into Jerusalem one week before his execution.

Holy Monday: commemorates Jesus' cleansing of the temple, when he assaulted money changers and overturned their tables. Some believe that this triggered his arrest and crucifixion.

Holy Tuesday: recalls Jesus' description to his disciples on the Mount of Olives of the destruction of Jerusalem.

Holy Wednesday: (once called Spy Wednesday) recalls Judas' decision to betray Jesus in exchange for 30 pieces of silver.

Maundy Thursday: commemorates the Last Supper, Jesus' agony in the garden and his arrest.

Good Friday: recalls Jesus' death on the cross. The origin of the word "good" has been lost. Some claim that it is a corruption of "God" and that the early Christians called this day "God's Friday." Others claim that "good" refers to the blessings of humanity that Christians believe arose as a result of Jesus' execution.

Holy Saturday: (a.k.a. Easter Eve) is the final day of Holy Week and of Lent.

Easter Sunday: commemorates Jesus' resurrection. In the early church, converts were baptized into church membership on this day after a lengthy period of instruction. This tradition continues today in some churches.


Many Easter symbols and customs come from the Old World.

The Cross

The Cross is the symbol of the Crucifixion, as opposed to the Resurrection. However, at the Council of Nicaea, in A.D. 325, Constantine decreed that the Cross was the official symbol of Christianity. The Cross is not only a symbol of Easter, but it is more widely used, especially by the Catholic Church, as a year-round symbol of their faith.

Easter Lilly

The white lily symbolizes the Resurrection. Yet, lillies have long been revered by pagans of various lands as a holy symbol associated with reproduction. It was considered a phallic symbol!

The Easter Bunny

The Easter Bunny also originated with the pagan festival of Eastre. The goddess, Eastre, was worshipped by the Anglo-Saxons through her earthly symbol, the rabbit.

The Germans brought the symbol of the Easter rabbit to America. It was widely ignored by other Christians until shortly after the Civil War. Easter itself was not widely celebrated in America until after that time.

The Easter Egg

The exchange of eggs in the springtime is a custom that was centuries old when Easter was first celebrated by Christians. The egg was a symbol of rebirth in most cultures. Eggs were often wrapped in gold leaf or, if you were a peasant, colored brightly by boiling them with the leaves or petals of certain flowers.

Today, children hunt colored eggs and place them in Easter baskets along with the modern version of real Easter eggs -- plastic eggs filled with chocolate candy.

07 April 2004

Stop and Think then Pass It On

This will certainly make you stop and think. You never know what a kind word, a phone call, or an impromptu visit will do for someone else.

It was a cold winter's day that Sunday. The parking lot to the church was filling up quickly. I noticed as I got out of my car that fellow church members were whispering among themselves as they walked to the church.

As I got closer I saw a man leaned up against the wall outside the church. He was almost laying down as if he was asleep. He had on a long trench coat that was almost in shreds and a hat topped his head, pulled down so you could not see his face. He wore shoes that looked 30 years old, too small for his feet with holes all over them, his toes stuck out.

I assumed this man was homeless, and asleep, so I walked on by through the doors of the church. We all gathered for fellowship for a few minutes, and someone brought up the man laying outside. People snickered and gossiped but no one bothered to ask him to come in, including me.

A few moments later church began. We all waited for the Preacher to take his place and to give us the Word, when the doors to the church opened. In came the homeless man walking down the aisle with his head down. People gasped and whispered and made faces. He made his way down the aisle and up onto the pulpit he took off his hat and coat. My heart sank. There stood our preacher ..he was the "homeless man." No one said a word.

The preacher took his Bible and laid it on the stand.

"Folks, I don't think I have to tell you what I am preaching about today." Then he started singing the words to this song: "If I can help somebody as I pass along, If I can cheer somebody with word or song. If I can show somebody that he's traveling wrong. Then my living shall not be in vain."

Justice --- When you get what you deserve

Mercy ----- When you don't get what you deserve

Grace ----- When you get what you don't deserve


05 April 2004

Happy Passover

I got this from www.care2.com:

The Story of Passover

Passover, (or Pesach, which means "Passing Over" or "Protection"), originated as a spring nature festival in ancient times, and gradually changed into a memorial of the Jews' springtime deliverance from the land of Egypt, where they were slaves (under the rule of the Pharoah Ramses II, according to tradition).

According to the story, the patriarch Moses pleaded with Pharoah to release the People of Israel from their bondage. His demand was refused repeatedly until God unleashed a series of fearsome plagues upon the Egyptians, including rains of blood and frogs, hailstorms, lice, disease, various forms of vermin and the untimely death of first-born Egyptian children. The Israelites protected themselves from these plagues by marking their dwellings with the blood of a lamb.

Relenting under such pressure, Pharoah agreed to allow them to leave Egypt. The Jews moved quickly, not even taking the time to bake bread. Instead, they brought raw dough to bake into unleavened bread as they fled.

Their haste was well considered as Pharoah quickly went back on his word and pursued the retreating Israelites into the desert, where they were trapped between the Egyptian army and the Red Sea. God parted the waves and exposed a stretch of dry riverbed for the Hebrews to cross. When the Egyptians pursued them, the river resumed its normal course, drowning Pharoah's army as the waters closed over them.

Passover celebrates this history with an eight-day observance during which special dietary rules are followed. Only food that is "Kosher for Passover" is allowed. Any foods prohibited during the Holiday must be disposed of by the morning of the first night. No leavened (made with yeast) foods or grains are eaten. During this time, Jews eat unleavened bread to remember their hurried escape from Egypt. The kitchen utensils and dishware used for daily food preparation are not be used during Passover. Rather, special dishes and utensils specifically intended for the holiday are taken out of storage, cleaned and used in their place.

Seders, or special dinners, are held on the first two nights to commemorate the mass exodus. The seder includes bitter herbs (horseradish) to commemorate the harsh life of slavery, and other foods of ritual significance. Seders can last into the night as families read and discuss the Haggadah, or Passover liturgy. Passover lasts for eight days, with observant Jews not working or sustaining usual activities during the first two and the last two days.

04 April 2004

Corporate Lesson 5

Corporate Lesson 5

A turkey was chatting with a bull. "I would love to be able to get to
the top of that tree," sighed the turkey, but I haven't got the energy."
"Well, why don't you nibble on some of my droppings?" replied
the bull.
"They're packed with nutrients." The turkey pecked at a lump of
dung and found that it actually gave him enough strength to reach the
branch of the tree. The next day, after eating some more dung, he
the second branch. Finally after a fourth night, there he was proudly
perched at the top of the tree. Soon he was promptly spotted by a farmer,
who shot the turkey out of the tree.
Moral of the story: Bullshit might get you to the top, but it won't
keep you there.

Corporate Lesson 4

Corporate Lesson 4

A crow was sitting on a tree, doing nothing all day. A small rabbit
saw the crow and asked him, "Can I also sit like you and do nothing all
long?" The crow answered: "Sure, why not." So, the rabbit sat on the
below the crow, and rested. All of a sudden a fox appeared, jumped on the
rabbit and ate it.
Moral of the story: To be sitting and doing nothing, you must be
sitting very, very high up.

Corporate Lesson 3

Corporate Lesson 3

A sales rep, an administration clerk and the manager are walking to
lunch when they find an antique oil lamp. They rub it and a Genie
comes out in a puff of smoke. The Genie says, "I usually only grant
three wishes, so I'll give each of you just one. " "Me first! Me first!"
says the admin. clerk. "I want to be in the Bahamas, driving a
speedboat, without a care in the world." Poof! She's gone. In
"Me next! Me next!" says the sales rep. "I want to be in Hawaii, relaxing
the beach with my personal masseuse, an endless supply of pina coladas
the love of my life." Poof! He's gone. "OK, you're up," the Genie says to
the manager.
The manager says, "I want those two back in the office after lunch."
Moral of the story: Always let your boss have the first say.

Corporate Lesson 2

Corporate Lesson 2

A priest was driving along and saw a nun on the side of the road.
He stopped and offered her a lift which she accepted. She got in
and crossed her legs, forcing her gown to open and reveal a lovely
The priest had a look and nearly had an accident. After controlling
the car, he stealthily slid his hand up her leg. The nun looked at him
and immediately said, "Father, remember Psalm 129?" The priest was
and apologized profusely. He forced himself to remove his hand.
Changing gear, he let his hand slide up her leg again. The nun once again
said, "Father, remember Psalm 129?" Once again the priest apologized
sister but the flesh is weak." Arriving at the convent, the nun got out
him a meaningful glance and went on her way. On his arrival at the
the priest rushed to retrieve a bible and looked up Psalm 129.
It said, "Go forth and seek, further up, you will find glory."
Moral of the story: If you are not well informed in your job, you
might miss a great opportunity.

Corporate Lesson 1

Corporate Lesson 1

A man is getting into the shower just as his wife is finishing up her
shower when the doorbell rings. After a few seconds of arguing
over which one should go and answer the doorbell, the wife gives up,
wraps herself up in a towel and runs downstairs. When she opens the door,
there stands Bob, the next door neighbor. Before she says a word, Bob
"I'll give you $800 to drop that towel that you have on."
After thinking for a moment, the woman drops her towel and
stands naked in front of Bob. After a few seconds, Bob hands her 800
and leaves. Confused, but excited about her good fortune, the woman wraps
back up in the towel and goes back upstairs. When she gets back to the
bathroom, her husband asks from the shower, "Who was that?" "It was Bob
next door neighbor," she replies. "Great!" the husband says, "Did he say
anything about the $800 he owes me?"
Moral of the story: If you share critical information pertaining
to credit and risk with your shareholders in time, you may be in a
position to prevent avoidable exposure.

23rd Psalm

Timmy was a little five year old boy whose Mom loved him
very much, and being a worrier, she was concerned about
him walking to school when he started Kindergarten. She
walked him to school the first couple of days,

and at the end of the week, he came home from school
and told his mother that he did not want her walking him
to school everyday. He wanted to be like the "big boys"
he protested loudly.

So she had an idea of how to handle it. She asked a
neighbor, Mrs. Goodnest, if she would please follow him
to school in the mornings, staying at a distance, so he
probably wouldn't notice her. Mrs. Goodnest said that
since she was up early with her toddler anyway, it would
be a good way for them to get some exercise as well, so
she agreed.

The next school day, Mrs. Goodnest and her little girl,
Marcy, set out following behind Timmy as he walked to
school with another neighbor boy he knew. She did this
for the whole week.

As the boys walked and chatted, kicking stones and twigs,
Timmy's little friend noticed the same lady was
following them as she seemed to do every day all week.
Finally he said to Timmy, "Have you noticed that lady
following us to school all week? Do you know her?"

Timmy nonchalantly replied, "Yeah, I know who she is."
The friend said, "Well, who is she?"

"That's just Shirley Goodnest" Timmy replied, "and her
daughter Marcy."

"Shirley Goodnest? Who the heck is she and why is she
following us?"

"Well", Timmy explained, "every night my Mom makes me
say the 23rd Psalm with my prayers, 'cuz she worries
about me so much.

And in the psalm, it says 'Shirley Goodnest and Marcy
shall follow me all the days of my life,' so I guess I'll just have to get used to it!"

(author unknown)



After a hardy rainstorm filled all the potholes in the streets and alleys, a young mother watched her two little boys playing in the puddle through her kitchen window. The older of the two, a five year old lad, grabbed his sibling by the back of his head and shoved his face into the water hole. As the boy recovered and stood laughing and dripping, the mother runs to the yard in a panic.

"Why on earth did you do that to your little brother?!" she says as she shook the older boy in anger.

"We were just playing 'church' mommy" he said. "I was baptizing him in the name of the Father, the Son and in the hole-he-goes.

03 April 2004

Can't eat

Can't eat beef... mad cow.

Can't eat chicken... bird flu

Can't eat eggs... again, bird flu

Can't eat pork...fears that bird flu will infect piggies

Can't eat fish...heavy metals in the water has poisoned their meat

Can't eat fruits and veggies....... insecticides and herbicides

Hmmmm! I believe that leaves chocolate!

Have a good day.

Noah's Ark

Noah's Ark

Everything I need to know, I learned from Noah's Ark...

ONE: Don't miss the boat.

TWO: Remember that we are all in the same boat.

THREE: Plan ahead. It wasn't raining when Noah built the Ark.

FOUR: Stay fit. When you're 60 years old, someone may ask you to do something really big.

FIVE: Don't listen to critics; just get on with the job that needs to be done.

SIX: Build your future on high ground.

SEVEN: For safety's sake, travel in pairs.

EIGHT: Speed isn't always an advantage. The snails were on board with the cheetahs.

NINE: When you're stressed, float awhile.

TEN: Remember, the Ark was built by amateurs; the Titanic by professionals.

ELEVEN: No matter the storm, when you are with God, there's always a rainbow waiting.

I am a 7. What number are you?

Your birth date describes who we are, what we are good at, and what our inborn abilities are. It also points to what we have to learn and the challenges we are facing. Once you have discovered your Birth Number, forward this email to the rest of your friends, including the one who sent this to you. Put your "number" in the "Subject" line and pass it on! Have fun!

To figure out your Birth Number, add all the numbers in the birth date together, like in the example, until there is only one digit. A Birth Number does not prevent you from being anything you want to be; it will just color your choice differently and give you a little insight.
Example: March 30, 1963
3 + 30 + 1963 = 1996 =
1 + 9 + 9 + 6 = 25 =
2 + 5 = 7
2 is the Birth Number to read for the birth date in the example.



1's are originals. Coming up with new ideas and executing them is natural. Having things their own way is another trait that gets them as being stubborn and arrogant. 1's are extremely honest and do well to learn some diplomacy skills. They like to take the initiative and are often leaders or bosses, as they like to be the best. Being
self-employed is definitely helpful for them. Lesson to learn: Others' ideas might be
just as good or better and to stay open minded.

Famous 1's: Tom Hanks, Robert Redford, Hulk Hogan, Carol Burnett,Wynona Judd, Nancy Reagan, Raquel Welch


2's are the born diplomats. They are aware of others' needs and moods and often think of others before themselves. Naturally analytical and very intuitive they don't like to be alone. Friendship and companionship is very important and can lead them to be successful in life, but on the other hand they'd rather be alone than in an uncomfortable relationship. Being naturally shy they should learn to boost their self-esteem and express themselves freely and seize the moment and not put things off.

Famous 2's: President Bill Clinton, Madonna, Whoopi Goldberg, Thomas Edison,
Wolfgang Amadeus Mozart


3's are idealists. They are very creative, social, charming, romantic, and easygoing. They start many things, but don't always see them through. They like others to be happy and go to great lengths to achieve it. They are very popular and idealistic. They should learn to see the world from a more realistic point of view.

Famous 3's: Alan Alda, Ann Landers, Bill Cosby, Melanie Griffith, Salvador Dali, Jodi Foster


4's are sensible and traditional. They like order and routine. They only act when they fully understand what they are expected to do. They like getting their hands dirty and working hard. They are attracted to the outdoors and feel an affinity with nature. They are prepared to wait and can be stubborn and persistent. They should learn to be more flexible and to be nice to themselves.

Famous 4's: Neil Diamond, Margaret Thatcher, Arnold Schwarzenegger, Tina Turner, Paul Hogan, Oprah Winfrey


5's are the explorers. Their natural curiosity, risk taking, and enthusiasm often land them in hot water. They need diversity, and don't like to be stuck in a rut. The whole world is their school and they see a learning possibility in every situation. The questions never stop. They are well advised to look before they take action and make sure they have all the facts before jumping to conclusions.

Famous 5's: Abraham Lincoln, Charlotte Bronte, Jessica Walter, Vincent Van Gogh, Bette Midler, Helen Keller and Mark Hamil.


6's are idealistic and need to feel useful to be happy. A strong family connection is important to them. Their actions influence their decisions. They have a strong urge to take care of others and to help. They are very loyal and make great teachers. They like art or music. They make loyal friends who take the friendship seriously. 6's should learn to differentiate between what they can change and what they cannot.

Famous 6's: Albert Einstein, Jane Seymour, John Denver, Meryl Streep, Christopher Columbus, Goldie Hawn, Dawn Moody


7's are the searchers. Always probing for hidden information, they find it difficult to accept things at face value. Emotions don't sway their decisions. Questioning everything in life, they don't like to be questioned themselves. They're never off to a fast start, and their motto is slow and steady wins the race. They come across as philosophers and being very knowledgeable, and sometimes as loners. They are technically inclined and make great researchers uncovering information. They like secrets. They live in their own world and should learn what Is acceptable and what not in the world at large.

Famous 7's: William Shakespeare, Lucille Ball, Michael Jackson, Joan Baez, Princess Diana


8's are the problem solvers. They are professional, blunt and to the point, have good judgment and are decisive. They have grand plans and like to live the good life. They take charge of people. They view people objectively. They let you know in no uncertain terms that they are the boss. They should learn to exude their decisions on their own needs rather than on what others want.

Famous 8's: Edgar Cayce, Barbra Streisand, George Harrison, Jane Fonda, Pablo Picasso, Aretha Franklin, Nostrodamus


9's are natural entertainers. They are very caring and generous, giving away their last dollar to help. With their charm, they have no problem making friends and nobody is a stranger to them. They have so many different personalities that people around them have a hard time understanding them. They are like chameleons, ever changing
and blending in. They have tremendous luck, but also can suffer from extremes in
fortune and mood. To be successful, they need to build a loving foundation.

Famous 9's: Albert Schweitzer, Shirley McLaine, Harrison Ford, Jimmy Carter, Elvis Presley