Chad Writes Stuff

original article here: http://www.federalreserve.gov/SECRS/2008/September/20080911/R-1314/R-1314_21285_1.pdf So we are under a credit crunch now, but i submitted this last year. To date, I have no credit card debt and only minor student loans. Subject: Regulation AA I just recently cancelled my credit card with direct merchants bank for deceptive practices. I pay my bill in full every month. I need a decent credit limit because I travel all the time and I have to pay for hotels cars and sometimes airfare. I am a small business owner and like to use the available credit to be able to stretch my dollar Direct merchants has had a policy of crediting my payments up to 4 weeks after monies had been deducted from my checking account. This left me with little money in my bank account and no credit. After numerous occurences and nothing being done about it, I paid my last bill this month and cancelled my card with them. They tried to lower my rate and I said "no thank you...

So i just worked a program in Greensboro North Carolina. I stayed at the Grandover Resort and I must say, I know why they have earned the 4 diamond award 9 years in a row. It is a fantastic property. The facilities are clean and the staff are extremely friendly www.grandover.com I had the opportunity to chat with the staff and they are all long-timers as i like to call them. They have all been there for a while. That is always a great sign and means they like their job. The director of Golf, Jonathan York is extremely friendly and set me up on the golf course yesterday for just the greens fees. He has a huge smile and a great laugh and welcomes you to come play one of the two courses they have to offer. I was beat after nine holes and called it a day. The General manager is Syed Katawazi and probably one of the most genuine humans i have ever met. He is nice and friendly and always has time to shake your hand. He is very mobile and always walking around the halls of the reso...

"If we are to intervene sufficiently to bring about the overthrow of dictatorships, then we should intervene to whatever extent is required to fulfill our purpose. Otherwise, in my opinion, we must wait for the normal self-development of a people and not assist revolution. And we must be prepared to receive the criticism of supporting friendly governments recognized by the United States, although they have been labeled dictatorships. To make my point more clear, let me say that, we helped to overthrow the Batista dictatorship which was pro-American only to install the Castro dictatorship which is pro-Russian." Earl T. Smith

So yesterday i got the email from Anya Marina that she was not going to be working at the best radio station in San Diego...fm949. She has been offered a recording deal. She is an amazing DJ and a great person in general. I couldn't be happier for her. If there is one thing I have learned in life it is that the one thing you can always count on is change. Life comes at you fast and you have to be able to adapt. If you are getting comfortable in your routine...you need to change or life will send you that change. We may not see routine in everyday life, but if you look at your life closely, you will see that you have developed routines in your life. Routine can be good, but it should not be the measure of your life. One must always expect change and with that change will come opportunity. It seems that life gives us the clues and cues we need to be successful. When you are sitting around your house and feeling down or sorry, and someone invites you to go out for drinks, din...