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HK Equity Fund Say BoE May Have To Backtrack On Rates

Franklin and Eleanor (FDR Bio, part 1)
unemployment fund
Image by Tony Fischer Photography
(FDR Biography, Part One)

Franklin D. Roosevelt was born in Hyde Park, New York on January 30, 1882, the son of James Roosevelt and Sara Delano Roosevelt. His parents and private tutors provided him with almost all his formative education. He attended Groton (1896-1900), a prestigious preparatory school in Massachusetts, and received a BA degree in history from Harvard in only three years (1900-03). Roosevelt next studied law at New York’s Columbia University. When he passed the bar examination in 1907, he left school without taking a degree. For the next three years he practiced law with a prominent New York City law firm. He entered politics in 1910 and was elected to the New York State Senate as a Democrat from his traditionally Republican home district.

In the meantime, in 1905, he had married a distant cousin, Anna Eleanor Roosevelt, who was the niece of President Theodore Roosevelt. The couple had six children, five of whom survived infancy: Anna (1906), James (1907), Elliott (1910), Franklin, Jr. (1914) and John (1916).

Roosevelt was reelected to the State Senate in 1912, and supported Woodrow Wilson’s candidacy at the Democratic National Convention. As a reward for his support, Wilson appointed him Assistant Secretary of the Navy in 1913, a position he held until 1920. He was an energetic and efficient administrator, specializing in the business side of naval administration. This experience prepared him for his future role as Commander-in-Chief during World War II. Roosevelt’s popularity and success in naval affairs resulted in his being nominated for vice-president by the Democratic Party in 1920 on a ticket headed by James M. Cox of Ohio. However, popular sentiment against Wilson’s plan for US participation in the League of Nations propelled Republican Warren Harding into the presidency, and Roosevelt returned to private life.

While vacationing at Campobello Island, New Brunswick in the summer of 1921, Roosevelt contracted poliomyelitis (infantile paralysis). Despite courageous efforts to overcome his crippling illness, he never regained the use of his legs. In time, he established a foundation at Warm Springs, Georgia to help other polio victims, and inspired, as well as directed, the March of Dimes program that eventually funded an effective vaccine.

With the encouragement and help of his wife, Eleanor, and political confidant, Louis Howe, Roosevelt resumed his political career. In 1924 he nominated Governor Alfred E. Smith of New York for president at the Democratic National Convention, but Smith lost the nomination to John W. Davis. In 1928 Smith became the Democratic candidate for president and arranged for Roosevelt’s nomination to succeed him as governor of New York. Smith lost the election to Herbert Hoover; but Roosevelt was elected governor.

Following his reelection as governor in 1930, Roosevelt began to campaign for the presidency. While the economic depression damaged Hoover and the Republicans, Roosevelt’s bold efforts to combat it in New York enhanced his reputation. In Chicago in 1932, Roosevelt won the nomination as the Democratic Party candidate for president. He broke with tradition and flew to Chicago to accept the nomination in person. He then campaigned energetically calling for government intervention in the economy to provide relief, recovery, and reform. His activist approach and personal charm helped to defeat Hoover in November 1932 by seven million votes.

The Depression worsened in the months preceding Roosevelt’s inauguration, March 4, 1933. Factory closings, farm foreclosures, and bank failures increased, while unemployment soared. Roosevelt faced the greatest crisis in American history since the Civil War. He undertook immediate actions to initiate his New Deal. To halt depositor panics, he closed the banks temporarily. Then he worked with a special session of Congress during the first "100 days" to pass recovery legislation which set up alphabet agencies such as the AAA (Agricultural Adjustment Administration) to support farm prices and the CCC (Civilian Conservation Corps) to employ young men. Other agencies assisted business and labor, insured bank deposits, regulated the stock market, subsidized home and farm mortgage payments, and aided the unemployed. These measures revived confidence in the economy. Banks reopened and direct relief saved millions from starvation. But the New Deal measures also involved government directly in areas of social and economic life as never before and resulted in greatly increased spending and unbalanced budgets which led to criticisms of Roosevelt’s programs. However, the nation-at-large supported Roosevelt, elected additional Democrats to state legislatures and governorships in the mid-term elections.

Another flurry of New Deal legislation followed in 1935 including the establishment of the Works Projects Administration (WPA) which provided jobs not only for laborers but also artists, writers, musicians, and authors, and the Social Security act which provided unemployment compensation and a program of old-age and survivors’ benefits.

Roosevelt easily defeated Alfred M. Landon in 1936 and went on to defeat by lesser margins, Wendell Willkie in 1940 and Thomas E. Dewey in 1944. He thus became the only American president to serve more than two terms.

(Part Two of this biography is posted under the photo of their grave)

source: FDR library
photo: FDR collection, Hyde Park

According to Hong Kong’s HK Equity Fund, the United Kingdom’s seemingly strengthening economic recovery may force the Governor of the Bank of England, Mark Carney, to begin considering raising interest rates more quickly as unemployment in the country edges closer to a key level he said could warrant such action.

Mr Carney told investors in August that unemployment in the UK would need to improve to 7% before the Bank would consider raising rates which have been at an all-time low of 0.5% since March 2009.

The Bank of England’s own forecasts suggested that wouldn’t occur until 2016 but according to an HK Equity Fund researcher, “Mr. Carney’s attempt to manage investors’ expectations over the Bank’s long-term interest rate policy has never really been taken seriously because they generally expected unemployment to improve long before 2016. It looks like they were right”.

The UK’s economic recovery has gathered pace according to a slew of data including stronger-than-expected services, construction and industrial production data and is in stark contrast to the euro zone, which is still hampered by anemic growth. The European Central Bank last week cuts its key rate to 0.25% from 0.5% in response to a cut in its growth forecast and a strengthening euro currency.

HK Equity Fund says it views the UK’s economic recovery as a false dawn and warns that the country is not yet ready to accommodate higher interest rates despite a warm reception for the government’s Funding for Lending and Help to Buy schemes both of which are aimed at stimulating demand for real estate.

“Higher rates will put a lot of over-stretched homeowners with large mortgages over the edge,” concluded the HK Equity Fund analyst.

About HK Equity Fund

HK Equity Fund established a presence in Hong Kong in 1995. Today their Hong Kong office is their main hub in the Asia-Pacific region. All of HK Equity Fund’s business groups have operations in the city, making this their largest office in the region outside Australia. From Hong Kong they offer corporate finance and advisory, institutional cash equities and research, equity derivatives and structured products, debt financing and funds management, and environmental financial products, futures, metals OTC hedging and fixed income trading services.

For more info contact:
HK Equity Fund Limited
28/F, 8 Wyndham Street,
Central,
Hong Kong
Email Address: info@hkequityfund.com
http://www.hkequityfund.com
+85258084873

Find More Unemployment Fund Articles

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Unemployment Funds- aid in adverse conditions

Unemployment Fund Advertising
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Image by jacobchristensen
Trade Union 3F advertising for the unemployment fund (note to non-Danish viewers: Unemployment insurance is voluntary in Denmark)

Prior planning is always an aid and can help you to get out of any adverse situation. Unemployment funds are one among them which can help you when you are thrown out of employment and seeking for job. As being a professional you also realize the risk which is associated with the market and which directly influence your job as there is no guarantee of permanent employment in private sector and even you may lose your job due to poor performance and any misconduct.

You can plan for these uncertainties beforehand by undertaking unemployment funds, which can help you by providing financial assistance during the course when you are running out of funds and can help you to reduce your stress level and enable you in combating the difficult time. You can utilize these funds to carry out your normal expenses.

Both employed and self employed professionals can avail for this fund and even you can avail for these funds after you are fired. There are various different schemes running in the market A-kasse is one among them which can even help you when you are fired. You need to pay a fix monthly installment during the course when you are employed. The amount for the installment can be chosen by you.

For the ones who get regular pay can easily pay the installments but the self employed ones find it difficult to avail for the funds, they may undergo A-kasse, which is a cheap unemployment fund and especially meant for the self employed professionals and the ones who find it difficult to pay heavy installments.

These funds are multipurpose in use and are meant to help you at the time you are stuck in difficult situations. The condition when you need to avail for these funds may differ, you can avail for the benefits of these funds when you are on long duration leave due to sickness or on maternity leave, you can avail for the funds.
You can avail for A-kasse which is more than an unemployment fund. These funds also help you in seeking job and helps in enhancing your skills by providing you job related training which can help you to get the job easily and even provide facilities of discounts in various companies and sport events. You can find more information regarding these funds at a-kasse.me and you can understand the process of availing to these funds by logging over here.

Prepare yourself before getting into unemployment by undertaking A-kasse which is one of the best unemployment scheme, you can visit a-kasse.me and scrutinize for the various plans which you can undertake and plan for adverse situations beforehand.
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Overview of Florida Hardest-Hit Fund and Eligibility Criteria

King Hiram Lodge No. 566 Toronto Reception – V.W.Bro. Richard T. Morell G.S. and R.W.Bro. Lew Crocker P.G.S.W. (23) see info below
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Image by antefixus21
A memorial display for well loved and respected Right Worshipful Brother Ed Dyer which included a portrait taken when he was Worshipful Master of King Hiram Lodge in 1952 as well as his Masonic Regalia. He recently laid down his Working Tools and passed to the Grand Lodge Above. The bright Masonic Light that he shone in so many Masonic bodies will be sorely missed.

The Beginning
In the year 1920, immediately after the first World War, there was a great influx into Masonry and a group of Masons from the Willys Overland plant (a pioneer and manufacturer of the Jeep 4 wheel drive vehicle) situated in West Toronto, feeling there was a need for a new Lodge in this area, formed themselves into a committee for that purpose.

This group was headed up by W. Bro. W.L. Abernathy of Stanley Lodge # 426, Toronto and ably assisted by W. Bro. W.L. Clark and Bro. J.G. Bruce, both of Victoria Lodge, Toronto.

Having fulfilled all the necessary requirements, the Institutional Meeting of King Hiram Lodge, U.D., G.R.C., was held in the Annette Street Temple on April 29th, 1920.

After the dispensation, the Most Worshipful, The Grand Master, M.W. Bro. F.W. Harcourt authorized W. Bro. W.L. Abernathy and Charter Members to meet as a Lodge to be known as “King Hiram”.

On the 15th day of November, 1920, the Lodge was duly instituted and consecrated. W. Bro. W.L. Abernathy was installed in the Chair of King Solomon and the Officers were invested to their several stations in King Hiram Lodge #566, on the register of Grand Lodge.

The name “King Hiram” was selected as being the most suitable to fulfill the hopes of the petitioners which was to build a strong Lodge appropriately named after King Hiram Abif the chief architect and overseer of the building of King Solomon’s Temple.

It was resolved that the Initiation Fee be set at $ 75.00, the Affiliation Fee at .00 and the Annual Dues at .00. The Tyler’s salary was set at 0.00 per year.

The Worshipful Master appointed a Visiting the Sick Committee, a Musical and an Entertainment Committee. A committee to set up the by-laws, a committee to arrange for a Ladie’s Night and a committee to arrange for and provide Christmas Entertainment.

The first candidate to be initiated was Mr. John Rutherford on June 4th, 1920.

The Work for the year consisted of 42 – E.A. Degrees, 32 – F.C. Degrees and 19 – M.M. Degrees.

The Twenties

The first King Hiram Ladie’s Night was held in the form of a reception in the banquet room. An honorarium was established to pay the Secretary 0.00 per year for his services. A special emergent meeting was held on Saturday, February 8th, 1922 to conduct 15 Master Mason Degrees which beat the previous record by one Degree. The Worshipful Master and brethren attended at the laying of the foundation stone at the Weston Masonic Temple. On March 19th, 1924, W.M. B.H. Capsey had the pleasure of initiating his son, Vincent Bertram Capsey into the First Degree of Masonry. It was adopted that the Lodge present to each candidate the Volume of the Sacred Law on which his obligation was sealed. An annual picnic was held at High Park. A committee was appointed to request the Temple Board to install a pipe organ in the Lodge Room and a piano in the Banquet Hall. King Hiram visited Niagara River Lodge in Niagara Falls, New York and on a return visit the Worshipful Master of Niagara River Lodge presented our Lodge with a gavel which had been made from a piece of oak from the Old Fort Niagara.

The Thirties

A new Lodge was instituted in the Annette Street Temple, named Memorial Lodge, in which many of the members of King Hiram were involved. W. Bro. Gordon James is installed as Worshipful Master being the first Master of King Hiram who was initiated into the Lodge, all others being Charter Members. Grand Lodge institutes an “Unemployment Bureau” under the Masonic Board of Relief due to the economic circumstances. In May 1935, we celebrated our 15th Anniversary. The creation of a Members Night was established and the ruling Master and W. Bro. Gately of Memorial Lodge conducted the Ceremony. In 1936, Ladies Night was postponed due to the death of King George V and the Grand Master requested a three month mourning period be observed. In 1938, with deep regret we recorded the death of W. Bro. W.L. Abernathy one of the founders and the first Master of King Hiram Lodge.

The Fourties

It was resolved that the dues of all members enlisting in the Armed Forces be waived.

To support the war effort, Grand Lodge inaugurated a Fund for War Relief to be contributed to by members at large through the various Lodges. King Hiram purchased 3 0.00 Victory Bonds and a further purchase in the amount of 0.00. Past Master, W. Bro. Fred Adams was honoured by the King as a Member of the British Empire (MBE) for his work in the supply of munitions. It was decided to send Christmas gifts to our members in the Forces. Bro. S.D. Shaw is installed in the Chair of King Solomon and initiates his son, Duncan Shaw and W.A. Bruce son of Bro. J.G. Bruce, the first Secretary of our Lodge. In 1945, we celebrated our 25th Anniversary. Our Grand Master requests us to hold a Thanksgiving Service for our victory in Germany. Bro. R.F. Wright is installed in the Chair of King Solomon. November 1st, becomes known as “Charlie Tottle” Night due to his reaching his 80th birthday and also for his long service to the Lodge. Bro. C.V. Tottle was elected Secretary in 1926 and served until his death in 1950. Bro. Wm. McBurnie returns to Lodge after serving 7 years overseas in the Armed Forces. W. Bro. Wm. Gow is appointed Grand Steward. Installation Night changes from January to December due to the continual bad weather conditions in January. It was approved that the Tyler’s pay be .50 per meeting.

The Fifties

W. Bro. E.D. Magett appoints Bro. Joe Kemp as Chaplain and Bro. Doug Wright as Ass’t. Secretary. R.W. Bro. Floyd Albertson is honoured for his 23 years of service as Treasurer and his work in the Lodge since its inception. Bro. A.E. (Ed) Dyer is installed in the Chair of King Solomon. Two minutes silence was observed in respect to his late Majesty, King George V1.V.W. Bro. S.D. Shaw was congratulated and presented the Regalia of Grand Steward. Meetings and discussions were held regarding the division of Toronto District A. At Grand Lodge it was decided to split the district into two districts, A1 and A2, to take place in 1955. A donation was presented to River Park Lodge to help in the rebuilding of their Temple due to the damage suffered by Hurricane Hazel. In July, 1955, Grand Lodge celebrated its 100th meeting. An open air service was held at Exhibition Park with over 2,500 in attendance. Mr. R.J. Elrick is initiated into King Hiram Lodge. V.W. Bro. Bill Gow presents V.W. Bro. Archie Wright with his Regalia of Grand Steward. Bro. Joe Kemp is installed in the Chair of King Solomon, his father Bro. J.T. Kemp presents a gift on behalf of the family.

The Sixties

Bro. Doug Wright is installed in the Chair of King Solomon by his father ,V.W. Bro. Archie Wright. This is the first time in the history of the Lodge that a father has installed his own son. The Metro Police Team confers the E.A. Degree on Mr. Robert N. Wilson. V.W. Bro. Archie Wright presents Grand Steward Regalia to V.W. Bro. Reg Wright. King Hiram members and ladies initiate visitations to William S. Farmer Lodge #1109 in Syracuse, New York. Mr. Lewis Crocker passes a Board of Trial and is accepted as a candidate for Initiation. W. Bro. Sam Wright is Installed in the Chair of King Solomon. Dues increase to .00. Father and Son night featured Johnny Bower of the Toronto Maple Leafs. W. Bro. A.E. (Ed) Dyer is elected D.D.G.M. of Toronto District #1. The following year Father and Son night featured Leo Cahill, coach of the Toronto Argonauts. Bro. Robert Elrick presents a D of C wand to the Lodge in memory of his father, Bro. Robert Elrick Sr.

The Seventies

In 1970 we celebrated our 50th Anniversary. Father, Son and Daughter night featured entertainment and movies. V.W. Bro. Archie Wright passed to the Grand Lodge Above. V.W. Bro. Bill Gow, 41 years a Past Master of King Hiram is the first member to receive a 50 year service pin. Bro. Sam Hough of Danville, California visits and later affiliates with King Hiram after moving to Toronto. Bro.’s Lloyd Lemoine and Ernest Roy Imrie receive 50 year pins. Bro. Arnold Sinclair continues to deliver profound lectures when presenting the Candidates Bible. Father and Son night features Darryl Sittler of the Toronto Maple Leafs. Lodge members enjoy memorable cruises with Bro. Bill Rhyme aboard the “Lomar”. Visitations with King Hiram Lodge #37, Ingersoll are initiated. Visitations continue which result in the creation of the King Hiram Friendship Gavel. The Rt. Hon. Chief Justice James C. McRuer of King Hiram Lodge receives a 50 year pin. Dues increase to .00. Bro. James Rushford Sr, is presented a plaque for his service to King Hiram as Chaplain and his 57 years in Masonry. V.W. Bro. Joe Kemp is appointed Grand Steward. Bro. Ron Padgett entertains regularly on the organ with great talent, artistry and his well known humour.
The Eighties

Our 60th Anniversary. V.W. Bro. Doug Wright is appointed Grand Tyler and is presented with his fathers regalia, V.W. Bro. Archie Wright. Bro. Aubrey McGill is presented a plaque for his devotion as Chairman of the Benevolent and Sick Committee. V.W. Bro. Joe Kemp and V.W. Bro. Doug Wright are honoured for their many years of service as Secretary and Treasurer of the Lodge. Members Night tradition continues with Bro. Henry Strackholder being Initiated. King Hiram makes a donation to the Barbara Turnbull Fund. W. Bro. Ernie Morrison is appointed as Assistant Grand Director of Ceremonies. Annual dues increase to .00. W. Bro. Robert N. Wilson is honoured and presented his Grand Steward Regalia by W. Bro. George Owttrim. A year later V.W. Bro. Robert N. Wilson is presented a plaque in recognition of his service to Masonry and King Hiram Lodge. The first District Walkathon takes place and proves to be very successful. W. Bro. Alistair Clement initiates his son, Mr. Graham Clement into King Hiram. Bro. Aubrey McGill is awarded the prestigious William Mercer Wilson Award. M.W. Bro. William R. Pellow, Grand Master attends the Installation Ceremony of Bro. Edward Grinko being placed in the Chair of King Solomon. King Hiram hosts the District Education which features St. John’s Lodge #209 from London, Ontario. King Hiram hosts a special Appreciation Night for all Past D.D.G.M.’s of Toronto District #1.
The Nineties

Bro. Tom Thompson visits from Scotland to share the Installation Ceremony with his brother, W. Bro. Hugh Thompson. W. Bro. Sam Wright is honoured and presented with the Regalia of Assistant Grand Secretary. Bro. Rick Morell is Installed in the Chair of King Solomon. King Hiram donates 00.00 to the Runnymede Chronic Care Hospital Fund. W. Bro. Sam Hough passes to the Grand Lodge above. R.W. Bro. A.E. (Ed) Dyer is presented a 50 year service pin. Bro. John Kikiantonis is awarded the Canada 125 Year Award Medal. W. Bro. Edward Grinko launches the district newsletter, “The Blue Print”. W. Bro. Robert Langzik and Bro. Aubrey McGill pass to the Grand Lodge above. V.W. Bro. Robert Wilson is appointed Grand Lodge Representative to the Grand Lodge of Utah. Memorial Lodge #652 affiliates with King Hiram Lodge. W. Bro. Lew Crocker is appointed Grand Steward. W. Bro. Rick Morell serves a second term as Worshipful Master. Bro. Earl Walsh is Installed in the Chair of King Solomon. In 1995 we celebrate our 75th Anniversary. A full year of celebrations and activities is planned including a Gala Anniversary Dance. Bro. John Kikiantonis is Installed in the Chair of King Solomon by V.W. Bro. Sam Wright who substituted for W. Bro. Edward Grinko due to the death of his wife. 50 year pins are presented to V.W. Bro. Doug J.B. Wright, V.W. Bro. Ed Wilkings, Bro. George Cowie and Bro. John Cholmomdeley. 25 year Past Master pins are presented to W. Bro. Proctor, R.W. Bro. Ed Dyer, V.W. Bro. Joe Kemp, V.W. Bro. Doug Wright, V.W. Bro. Ken McLean, W. Bro. Fred Twitchin, Sr., V.W. Bro. Sam Wright, V.W. Bro. Bill Hunter and W. Bro. Doug Kelman. W. Bro. Earl Walsh is Installed in the Chair of King Solomon for a second time by W. Bro. Lew Crocker. The following year Bro. Bill Wingrove is Installed in the Master’s Chair by W. Bro. Earl Walsh. V.W. Bro. Sam Wright is also Installed as Worshipful Master for his second time, 32 years later and initiated Bro.’s Scott Hoy, Ben MacDonald and Dusty Markle. We were saddened with the passing of V.W. Bro. Doug J.B. Wright to the Grand Lodge Above. W. Bro. Rick Morell is Installed in the Chair of King Solomon by W. Bro. Hugh Thompson.
A New Millennium

2000 – 2005

Bro. Aaron Williams is Raised to the Sublime Degree of a Master Mason. A special night and reception is held for R.W. Bro. Earl Walsh who was elected D.D.G.M. of Toronto District #1. Bro. Ken Mullings is Installed in the Chair of King Solomon by his friend and mentor, W. Bro. Hugh Thompson. V.W. Bro. Hugh McKnight is made an honourary member of the Lodge. A reception is held to present W. Bro. Robert Elrick with his Grand Lodge Regalia. Mr. Stephen Brode is Initiated into King Hiram Lodge. A special meeting is held at Central Park Lodge to congratulate Bro. Imrie on his 102nd Birthday and his 80 years a Mason. W. Bro. John Kikiantonis is Installed as Master for a second time and also re-accepts the Office the following year. W. Bro. Kikiantonis enjoys the honour and pleasure of Initiating his son, Emmanuel into Masonry. Mr. Andrew Adamyk is Initiated into King Hiram Lodge. A memorial was conducted for V.W. Bro. Robert Elrick and R.W. Bro. Robert Wilson who passed to the Grand Lodge Above. V.W. Bro. Bill Hunter receives his 50 year pin. W. Bro. Hugh Thompson passes to the Grand Lodge Above. W. Bro. Edward Grinko is Installed as master for a second time and enjoys the distinct pleasure of Initiating his son, Christopher. Mr. James Berry is also Initiated into Masonry. The Secretary’s honorarium is raised to 0.00. V.W. Bro. Ed Wilkings is made a life member of King Hiram Lodge. W. Bro. Rick Morell is Installed for the fourth time as Worshipful master. King Hiram Lodge is now in its 85th year. Mr. Daniel Berube and Michael Bonner are Initiated and Bro. Antonio Texeira is Raised to the Sublime Degree of a Master Mason. A special evening was conducted for W. Bro. Ken Mullings to celebrate his retirement and his return to Jamaica.
The intervening years between 1920 and 2005 have been momentous years of change in the History of the World.

Consider the Twenties, an era of building following World War I. The Depression of the Thirties. The conflict and hardship encountered due to World War II. The united efforts of rebuilding throughout the Forties and Fifties. The social changes and struggles throughout the Sixties and Seventies. The boom of the Eighties, the recession of the Nineties and the dreams and expectations of a new Millennium.

The years have also seen many changes in King Hiram Lodge. We have witnessed and shared in the lives of many of the Men who have been instrumental in the creation of and continuation of our Lodge.

Throughout the years the spirit of Masonry has always been kept alive and we have at all times remembered the wishes of our Founders, to uphold the basic principles on which the Lodge was established, “to keep this a friendly Lodge and to show true Brotherhood to All”. Our strength in the past has been in the dedication, loyalty and respect, for our Lodge by the many men who have affixed their signatures to our By-Laws.

Lives of great men all remind us

We can make our lives sublime,

And, departing, leave behind us

footprints on the sands of time

– Henry Wadsworth Longfellow

* Reprinted from the King Hiram Lodge #566 “Consecration Night” Booklet, November 15, 1920

The Florida Hardest-Hit Fund program was recently unveiled to help residents of the Sunshine State who are struggling to pay mortgage installments. Offered through the Florida Housing Finance Corporation, this program offers assistance to homeowners facing foreclosure.

The Florida Hardest-Hit Fund offers two programs including: Mortgage Loan Reinstatement Program (MLRP) and Unemployment Mortgage Assistance Program (UMAP). MLRP is designed to help residents that require financial help to pay off past due loan payments, while UMAP offers assistance to homeowners who are unemployed or underemployed.

While this program offers financial assistance to help Floridians avoid foreclosure, many who need help the most do not meet qualification guidelines. Florida Hardest-Hit Fund eligibility criteria include three categories and applicants must qualify for each. These include: property eligibility, household eligibility, and mortgage eligibility.

Another consideration is that mortgage servicers can deny applicants’ requests even if they meet all eligibility criteria set forth by the Hardest Hit program. This program does not guarantee bank approval, so homeowners should contact their lender and determine if they participate in the program and if their application will be accepted.

Oftentimes, bank loss mitigators handle applications for Hardest-Hit funding. Homeowners who are currently in preforeclosure have most likely been assigned to a loss mitigator. If not, homeowners will need to contact their lender to discuss the application process.

In addition to the three categories, homeowners must meet eligibility criteria of nine factors and two exclusions. Applicants must be a legal citizen or legal alien of the U.S. and a Florida resident. The property must be used as their primary residence.

Homeowners that apply for help through UMAP must be unemployed or underemployed. Their pretax household income must fall 140-percent below Florida’s median income level, which was last reported at $ 45,631. Overall mortgage debt must exceed 31-percent of total household pretax income.

Florida Hardest-Hit Fund requires all applicants to hold a checking or savings account that allows ACH payments to be debited. Homeowners who have filed personal bankruptcy or convicted of a mortgage-related felony within the past 10 years will not be accepted into the program.

FHHF only offers assistance for owner-occupied residential properties. These can include: single family residences, townhomes, condominiums, mobile or manufactured homes, or dwellings consisting of up to four units; one of which is occupied by the homeowner.

Hardest-Hit funds are only offered to qualified homeowners whose mortgage servicer is participating in the program. Default payments cannot exceed 180 days past due. The balance on the first mortgage cannot exceed $ 400,000 and the loan must have originated on or prior to January 1, 2009.

Florida homeowners can apply directly at the Florida Hardest-Hit Fund website at FLHardestHitHelp.org. Prior to submitting applications, homeowners should organize financial records and have access to total household wages, past due balances on first and second mortgages, bank account and routing number, and current personal tax return.

UMAP provides up to $ 12,000, while MLRP provides a maximum of $ 6,000 to qualified applicants. Funds must be used to resolve past due payments of the first mortgage.

Homeowners who find applying for Florida Hardest-Hit Fund confusing or uncertain if they will qualify may find it beneficial to obtain HUD housing counseling. This program offers complimentary counseling services to homeowners facing foreclosure. However, government budget cuts may make it inaccessible in the near future, so those in need of help should take advantage of services while they can.

Simon Volkov is a California real estate investor who writes about current events within the market. Topics include: Florida Hardest-Hit Fund, Short Sale Act of 2011, Mortgage Standards Reform, and the scandalous ForeclosureGate. Stay abreast of current trends by visiting www.SimonVolkov.com.
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Top 4 facts related to unemployment insurance

the US$ 3 TRILLION HEIST,
unemployment fund
Image by eyewashdesign: A. Golden
BLOGGED: 17 Dec. 2008: www.counterspinyc.blogspot.com/

New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008

VOTE YOUR CONSCIENCE on 04 NOVEMBER 2008!

Photographer: a. golden, eyewash design – c. 2008.

Friends,

The richest 400 Americans — that’s right, just four-hundred people — own MORE than the bottom 150 million Americans COMBINED! 400 of the wealthiest Americans have got more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their wealth has increased by nearly 0 billion — the same amount that they were demanding We give to them for the "bailout." Why don’t they just spend the money they made under Bush to bail themselves out? They’d still have nearly a trillion dollars left over to spread amongst themselves!

Of course, they are not going to do that — at least not voluntarily. George W. Bush was handed a 7 billion surplus when Bill Clinton left office. Because that money was OUR money and not HIS, he did what the rich prefer to do — spend it and never look back. Now we have a .5 trillion debt that will take seven generations from which to recover. Why — on –earth – did — our — "representatives" — give — these — robber — barons — $US850 BILLION — of – OUR — money?

Last week, proposed my own bailout plan. My suggestions, listed below, were predicated on the singular and simple belief that the rich must pull themselves up by their own platinum bootstraps. Sorry, fellows, but you drilled it into our heads one too many times: THERE…IS…NO…FREE… LUNCH ~ PERIOD! And thank you for encouraging us to hate people on welfare! So, there should have been NO HANDOUTS FROM US TO YOU! Last Friday, after voting AGAINST this BAILOUT, in an unprecedented turn of events, the House FLIP-FLOPPED their "No" Vote & said "Yes", in a rush version of a "bailout" bill vote. IN SPITE OF THE PEOPLE’S OVERWHELMING DISAPPROVAL OF THIS BAILOUT BILL… IN SPITE OF MILLIONS OF CALLS FROM THE PEOPLE CRASHING WASHINGTON "representatives’" PHONE LINES…IN SPITE OF CRASHING OUR POLITICIAN’S WEBSITES…IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY… THEY VOTED FOR THIS BAILOUT! The People first succeeded on Monday with the House, but failed do it with the Senate and then THE HOUSE TURNED ON US TOO!

It is clear, though, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/’ve do/one. So, after consulting with a number of people smarter than Phil Gramm, here’s the proposal, now known as "Mike’s Rescue Plan." (From Michael Moore’s Bailout Plan) It has 10 simple, straightforward points. They are that you DIDN’T, BUT SHOULD’VE:

1. APPOINTED A SPECIAL PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any new money was expended, Congress should have committed, by resolution, to CRIMINALLY PROSECUTE ANYONE who had ANYTHING to do with the attempted SACKING OF OUR ECONOMY. This means that anyone who committed insider trading, securities fraud or any action that helped bring about this collapse should have and MUST GO TO JAIL! This Congress SHOULD HAVE called for a Special Prosecutor who would vigorously go after everyone who created the mess, and anyone else who attempts to scam the public in future. (I like Elliot Spitzer ~ so, he played a little hanky-panky…Wall Street hates him & this is a GOOD thing.)

2. THE RICH SHOULD HAVE PAID FOR THEIR OWN BAILOUT! They may have to live in 5 houses instead of 7. They may have to drive 9 cars instead of 13. The chef for their mini-terriers may have to be reassigned. But there is no way in hell, after forcing family incomes to go down more than ,000 dollars during the Bush years, that working people and the middle class should have to fork over one dime to underwrite the next yacht purchase.

If they truly needed the 0 billion they say they needed, well, here is an easy way they could have raised it:

a) Every couple makeing over a million dollars a year and every single taxpayer who makes over 0,000 a year should pay a 10% surcharge tax for five years. (It’s the Senator Sanders plan. He’s like Colonel Sanders, only he’s out to fry the right chickens.) That means the rich would have still been paying less income tax than when Carter was president. That would have raise a total of 0 billion.

b) Like nearly every other democracy, they should have charged a 0.25% tax on every stock transaction. This would have raised more than 0 billion in a year.

c) Because every stockholder is a patriotic American, stockholders should have forgone receiving a dividend check for ONE quarter and instead this money would have gone the treasury to help pay for the bullsh*t bailout.

d) 25% of major U.S. corporations currently pay NO federal income tax. Federal corporate tax revenues currently amount to 1.7% of the GDP compared to 5% in the 1950s. If we raised the corporate income tax BACK to the levels of the 1950s, this would give us an extra 0 billion.

All of this combined should have been enough to end the calamity. The rich would have gotten to keep their mansions and their servants and our United States government ("COUNTRY FIRST!") would’ve have a little leftover to repair some roads, bridges and schools…

3. YOU SHOULD HAVE BAIL OUT THE PEOPLE LOSING THEIR HOMES, NOT THE PEOPLE WHO WILL BUILD AN EIGHTH HOME! There are 1.3 million homes in foreclosure right now. That is what is at the heart of this problem. So, instead of giving the money to the banks as a gift, they should have paid down each of these mortgages by 0,000. They should have forced the banks to renegotiate the mortgage so the homeowner could pay on its current value. To insure that this help wouldn’t go to speculators and those who tried to making money by flipping houses, the bailout should have only been for people’s primary residences. And, in return for the 0K pay-down on the existing mortgage, the government would have gotten to share in the holding of the mortgage so it could get some of its money back. Thus, the total initial cost of fixing the mortgage crisis at its roots (instead of with the greedy lenders) is 0 billion, not 0 BILLION.

And let’s set the record straight. People who have defaulted on their mortgages are not "bad risks." They are our fellow Americans, and all they wanted was what we all want: a home to call their own. But, during the Bush years, millions of the People lost the decent paying jobs they had. SIX MILLION fell into poverty! SEVEN MILLION lost their health insurance! And, every one of them saw their real wages go DOWN by ,000! Those who DARE look down on these Americans who got hit with one bad break after another should be ASHAMED.! We are a better, stronger, safer and happier society when all of our citizens can afford to live in a home they own.

4. THERE SHOULD HAVE BEEN A STIPULATION THAT IF YOUR BANK OR COMPANY GOT ANY OF OUR MONEY IN A "BAILOUT," THEN WE OWN YOU. Sorry, that’s how it’s done. If the bank gives me money so I can buy a house, the bank "owns" that house until I pay it all back — with interest. Same deal for Wall Street. Whatever money you need to stay afloat, if our government considers you a safe risk — and necessary for the good of the country — then you can get a loan, but WE SHOULD OWN YOU. If you default, we will sell you. This is how the Swedish government did it and it worked.

5. ALL REGULATIONS SHOULD HAVE BEEN BE RESTORED. THE REAGAN REVOLUTION IS DEAD! This catastrophe happened because we let the fox have the keys to the hen-house. In 1999, Phil Gramm authored a bill to remove all the regulations that governed Wall Street and our banking system. The bill passed and Clinton signed it. Here’s what Sen.Phil Gramm, McCain’s chief economic advisor, said at the bill signing:

"In the 1930s … it was believed that government was the answer. It was believed that stability and growth came from government overriding the functioning of free markets.

"We are here today to repeal [that] because we have learned that government is not the answer. We have learned that freedom and competition are the answers. We have learned that we promote economic growth and we promote stability by having competition and freedom.

"I am proud to be here because this is an important bill; it is a deregulatory bill. I believe that that is the wave of the future, and I am awfully proud to have been a part of making it a reality."

FOR THIS NOT TO REOCCUR, This BILL SHOULD HAVE BEEN REPEALED! Bill Clinton could have helped by leading the effort for the repeal of the Gramm bill and the reinstating of even tougher regulations regarding our financial institutions. And when they were done with that, they should have restored the regulations for the airlines, the inspection of our food, the oil industry, OSHA, and every other entity that affects our daily lives. All oversight provisions for any "bailout" should have had enforcement monies attached to them and criminal penalties for all offenders.

6. IF IT’S TOO BIG TO FAIL, THEN THAT MEANS IT’S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the monopoly and anti-trust laws has allowed a number of financial institutions and corporations to become so large, the very thought of their collapse means an even bigger collapse across the entire economy. No ONE or TWO companies should EVER have this kind of power! The so-called "economic Pearl Harbor" can’t happen when you have hundreds — thousands — of institutions where people have their money. When we have a dozen auto companies, if one goes belly-up, we DON’T FACE A NATIONAL DISASTER! If we have three separately-owned daily newspapers in your town, then one media company can’t call all the shots (I know… What am I thinking?! Who reads a paper anymore? Sure glad all those mergers and buyouts left us with a STRONG and "FREE" press!). Laws Should have been enacted to prevent companies from being so large and dominant that with one slingshot to the eye, the GIANT FALLS and DIES. And no institution should be allowed to set up money schemes that NO ONE understands. If you can’t explain it in two sentences, you shouldn’t be taking anyone’s money!

7. NO EXECUTIVE SHOULD EVER BE PAID MORE THAN 40 TIMES THEIR AVERAGE EMPLOYEE, AND NO EXECUTIVE SHOULD RECEIVE ANY KIND OF "PARACHUTE" OTHER THAN THE VERY GENEROUS SALARY HE OR SHE MADE WHILE WORKING FOR THE COMPANY. In 1980, the average American CEO made 45 times what their employees made. By 2003, they were making 254 times what their workers made. After 8 years of Bush, they now make over 400 times what their average employee makes. How We have allowed this to happen at publicly held companies is beyond reason. In Britain, the average CEO makes 28 times what their average employee makes. In Japan, it’s only 17 times! The last I heard, the CEO of Toyota was living the high life in Tokyo. How does he do it on so little money? Seriously, this is an OUTRAGE! We have created the mess we’re in by letting the people at the top become bloated beyond belief with millions of dollars. THIS HAS TO STOP! Not only should no executive who receives help out of this mess profit from it, but any executive who was in charge of running his company into the ground should be FIRED before the company receives ANY help.

8. CONGRESS SHOULD HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT ONLY PEOPLE’S SAVINGS, BUT ALSO THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose expanding FDIC protection of people’s savings in their banks to 0,000. But, this same sort of government insurance must be given to our NEVER have to worry about whether or not the money they’ve put away for their old age will be there. This should have meant strict government oversight of companies who manage their employees’ funds — or perhaps it means the companies should have been forced to turn over those funds and their management to the government? People’s private retirement funds must also be protected, but perhaps it’s time to consider not having one’s retirement invested in the casino known as the stock market??? Our government should have a solemn duty to guarantee that no one who grows old in this country has to worry about becoming destitute.

9. EVERYBODY NEEDS TO TAKE A DEEP BREATH, CALM DOWN, AND NOT LET FEAR RULE THE DAY. Turn off your TVs! We are NOT in the Second Great Depression. The sky is NOT falling, Chicken Little! Pundits and politicians have lied to us so FAST and FURIOUS it’s hard not to be affected by all the fear mongering. Even I wrote to and repeated what I heard on the news last week, that the Dow had the biggest one day drop in its history. Well, that was true in terms of points, but its 7% drop came nowhere close to Black Monday in 1987 when the stock market in one day lost 23% of its value. In the ’80s, 3,000 banks closed, but America didn’t go out of business. These institutions have always had their ups and downs and eventually it works out. It has to, because the rich do not like their wealth being disrupted! They have a vested interest in calming things down and getting back into their Jacuzzis before they slip into their million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.

As crazy as things are right now, tens of thousands of people got a car loan last week. Thousands went to the bank and got a mortgage to buy a home. Students just back to college found banks more than happy to put them into hock for the next 15 years with a student loan. I was even pre-approved for a USK personal loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1% umeployment rate, but that happened last month). Not a single person lost any of his/her monies in bank, or a treasury note, or in a CD. And, the perhaps the most amazing thing is that the American public FINALLY didn’t buy the scare campaign. The citizens didn’t blink, instead telling Congress to take that bailout and shove it. THAT was impressive. Why didn’t the population succumb to the fright-filled warnings from their president and his cronies? Well, you can only say ‘Saddam has the bomb’ so many times before the people realize you’re a lying sack of shit. After eight long years, the nation is worn out and simply can’t take it any longer. The WORLD is fed up & I don’t blame them.

10. THEY SHOULD HAVE CREATED A NATIONAL BANK, A "PEOPLE’S BANK." Since they’re really itching to print up a trillion dollars, instead of giving it to a few rich people, why don’t We give it to ourselves? Now that We own Freddie and Fannie, why not set up a People’s bank? One that can provide low-interest loans for all sorts of people who want to own a home, start a small business, go to school, come up with the cure for cancer or create the next great invention. And, now that we own AIG – the country’s largest insurance company – let’s take the next step and PROVIDE HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE us SO MUCH MONEY in the LONG RUN (not to mention bring peace of mind to all). And, America won’t be 12th on the life expectancy list! We’ll be able to have a longer lifespan, enjoying our government-protected pension and will live to see the day when the corporate criminals who caused this much misery are let out of prison so that We can help re-acclimate them to plain old ordinary, civilian life — a life with ONE nice home and ONE gas-free car invented with help from the People’s Bank.

P.S. Call your Senators NOW !!! —> www.visi.com/juan/congress/

Since they voted against passing the extension of unemployment benefits and skipped out to "campaign" to us to be re-elected…call them and tell them you will vote for the other "guy" if they don’t get their act together!

UPDATE:

The Bailout Is A Truly Evil Disaster And Enabler Pelosi Must Go

We are hearing more and more reports of how badly the ill-advised banker’s bailout is being handled, multi-million dollar bonuses for Paulson’s old cronies at Goldman Sachs, billions going to finance the takeover of rival banks, making the "too big to fail" even bigger, and the taxpayer getting an otherwise rotten deal for their investment. We even heard a Republic senator asking how fast they could blow the money.

NONE of this could have happened without the fawning complicity of Nancy Pelosi, who infamously said it was Bush’s proposal, INSTEAD of coming forward with a robust alternative plan. Just like Bush, she believes she is immune, she believes she is unaccountable, and shame on us if we don’t do everything we can to defeat her this Tuesday, and replace her with Cindy Sheehan.

Here is Cindy’s last TV spot. Please make whatever donation you can to put this ad on the air in these critical final days.

Last Cindy TV Spot Action Page:
www.usalone.com/cindy/donations_tv2.php

There is still time for you to make a real difference. We thank all of our participants who have already donated so generously to make this campaign what it is. For those who cannot make a contribution, please consider helping with the phone banking, and there is a link for that also on the page above.

The one thing we know is that we must continue to speak out. We must continue to challenge. Surrendering is what our current so-called representatives in Congress are so prone to, NOT what we do. Ultimate victory is not only possible, it is assured if we work as hard as we can for real change, not just the rebranding of the same old boys’
network.

And we promise you, immediately after the election we will go right back to work on pure issue advocacy full time, to continue to build the base of action for the future.

Paid for by Cindy Sheehan for Congress

Donations to Cindy Sheehan for Congress are not tax-deductible

Please take action NOW, so we can win all victories that are supposed to be ours, and forward this alert as widely as possible.

If you would like to get alerts like these, you can do so at www.usalone.net/in.htm

Or if you want to cease receiving our messages, just use the function at www.usalone.net/out.htm

Every person needs to have a job to earn bread and butter. If you are terminated from your job, there will not be any monthly revenue to get you going. Yet, you don’t need to worry, if you are eligible for unemployment insurance. If you are on the hunt for information on unemployment insurance, then you are at the right location. This insurance is basically just a temporary source of income to employees who are terminated from a company. Yet, there are a few eligibility criteria which the employee needs to meet in order to get the insurance sanctioned.

The person eligible for this unemployment insurance would be receiving a weekly payment, provided if the employer has paid an unemployment fund through payroll taxes. If the employer has paid the fund and if all the paperwork is right, then you can receive the insurance benefits at the earliest. You will be paid with the benefits only from the day you have filed for the insurance. There are various criteria which have to be met for you to avail the benefits of this insurance. On the other hand, there are various facts related to unemployment insurance. As you scroll down, you can get to know more about it.

Termination

As per the norms, you are eligible for the insurance immediately after your termination from the company. Yet, your termination must be a decision taken by the employer. If you resign on your own, or of you abscond from the work, you will not be able to avail these benefits. On the other hand, if you have to resign from the job due to any justifiable circumstances and if you are able to prove the reason behind your decision, then you can avail this insurance. In addition, if you haven’t worked for more than three months, then there isn’t any scope for unemployment insurance. Apart from that, if you are fired for misconduct or any such related reasons even then you aren’t eligible for the benefits.

Natural calamities

Self employed people are not eligible for receiving this insurance. You will not receive the benefit even if you aren’t employed legally. On the other hand, if you lose the work due to environmental damages in your workplace like flood, earthquake, hurricane or any such reason, even then you will be eligible for the benefits. In such circumstances you will be paid unemployment insurance, even if you haven’t served three months in that company.

Online facilities

Earlier people had to drop to the unemployment office as a proof that they were seeking employment in a particular company. In addition, they would have to provide proper papers as proof as well. Now with the advancement in technology, you can get it done over phone or through an online facility as well. Yet, it depends on the state rules, whether you can get it done without appearing in person or not.

Know more

If you aren’t aware of applying for this unemployment insurance, make it a point to drop down to your Labor department and know more about the things you need to do to get unemployment insurance sanctioned at the earliest.

Thus, do consider these facts when you apply for unemployment insurance.

If you are wondering hvad er dagpenge (what is unemployment benefit in Danish) is follow the link on it.
5151768348_a3fd9292b9

Stop! Do You Need Unemployment Protection? – Recession Tips

King Hiram Lodge No. 566 Toronto – A memorial display for well loved and respected Right Worshipful Brother Ed Dyer
unemployment fund
Image by antefixus21
A memorial display for well loved and respected Right Worshipful Brother Ed Dyer which included a portrait taken when he was Worshipful Master of King Hiram Lodge in 1952 as well as his Masonic Regalia. He recently laid down his Working Tools and passed to the Grand Lodge Above. The bright Masonic Light that he shone in so many Masonic bodies will be sorely missed.

The Beginning
In the year 1920, immediately after the first World War, there was a great influx into Masonry and a group of Masons from the Willys Overland plant (a pioneer and manufacturer of the Jeep 4 wheel drive vehicle) situated in West Toronto, feeling there was a need for a new Lodge in this area, formed themselves into a committee for that purpose.

This group was headed up by W. Bro. W.L. Abernathy of Stanley Lodge # 426, Toronto and ably assisted by W. Bro. W.L. Clark and Bro. J.G. Bruce, both of Victoria Lodge, Toronto.

Having fulfilled all the necessary requirements, the Institutional Meeting of King Hiram Lodge, U.D., G.R.C., was held in the Annette Street Temple on April 29th, 1920.

After the dispensation, the Most Worshipful, The Grand Master, M.W. Bro. F.W. Harcourt authorized W. Bro. W.L. Abernathy and Charter Members to meet as a Lodge to be known as “King Hiram”.

On the 15th day of November, 1920, the Lodge was duly instituted and consecrated. W. Bro. W.L. Abernathy was installed in the Chair of King Solomon and the Officers were invested to their several stations in King Hiram Lodge #566, on the register of Grand Lodge.

The name “King Hiram” was selected as being the most suitable to fulfill the hopes of the petitioners which was to build a strong Lodge appropriately named after King Hiram Abif the chief architect and overseer of the building of King Solomon’s Temple.

It was resolved that the Initiation Fee be set at $ 75.00, the Affiliation Fee at .00 and the Annual Dues at .00. The Tyler’s salary was set at 0.00 per year.

The Worshipful Master appointed a Visiting the Sick Committee, a Musical and an Entertainment Committee. A committee to set up the by-laws, a committee to arrange for a Ladie’s Night and a committee to arrange for and provide Christmas Entertainment.

The first candidate to be initiated was Mr. John Rutherford on June 4th, 1920.

The Work for the year consisted of 42 – E.A. Degrees, 32 – F.C. Degrees and 19 – M.M. Degrees.

The Twenties

The first King Hiram Ladie’s Night was held in the form of a reception in the banquet room. An honorarium was established to pay the Secretary 0.00 per year for his services. A special emergent meeting was held on Saturday, February 8th, 1922 to conduct 15 Master Mason Degrees which beat the previous record by one Degree. The Worshipful Master and brethren attended at the laying of the foundation stone at the Weston Masonic Temple. On March 19th, 1924, W.M. B.H. Capsey had the pleasure of initiating his son, Vincent Bertram Capsey into the First Degree of Masonry. It was adopted that the Lodge present to each candidate the Volume of the Sacred Law on which his obligation was sealed. An annual picnic was held at High Park. A committee was appointed to request the Temple Board to install a pipe organ in the Lodge Room and a piano in the Banquet Hall. King Hiram visited Niagara River Lodge in Niagara Falls, New York and on a return visit the Worshipful Master of Niagara River Lodge presented our Lodge with a gavel which had been made from a piece of oak from the Old Fort Niagara.

The Thirties

A new Lodge was instituted in the Annette Street Temple, named Memorial Lodge, in which many of the members of King Hiram were involved. W. Bro. Gordon James is installed as Worshipful Master being the first Master of King Hiram who was initiated into the Lodge, all others being Charter Members. Grand Lodge institutes an “Unemployment Bureau” under the Masonic Board of Relief due to the economic circumstances. In May 1935, we celebrated our 15th Anniversary. The creation of a Members Night was established and the ruling Master and W. Bro. Gately of Memorial Lodge conducted the Ceremony. In 1936, Ladies Night was postponed due to the death of King George V and the Grand Master requested a three month mourning period be observed. In 1938, with deep regret we recorded the death of W. Bro. W.L. Abernathy one of the founders and the first Master of King Hiram Lodge.

The Fourties

It was resolved that the dues of all members enlisting in the Armed Forces be waived.

To support the war effort, Grand Lodge inaugurated a Fund for War Relief to be contributed to by members at large through the various Lodges. King Hiram purchased 3 0.00 Victory Bonds and a further purchase in the amount of 0.00. Past Master, W. Bro. Fred Adams was honoured by the King as a Member of the British Empire (MBE) for his work in the supply of munitions. It was decided to send Christmas gifts to our members in the Forces. Bro. S.D. Shaw is installed in the Chair of King Solomon and initiates his son, Duncan Shaw and W.A. Bruce son of Bro. J.G. Bruce, the first Secretary of our Lodge. In 1945, we celebrated our 25th Anniversary. Our Grand Master requests us to hold a Thanksgiving Service for our victory in Germany. Bro. R.F. Wright is installed in the Chair of King Solomon. November 1st, becomes known as “Charlie Tottle” Night due to his reaching his 80th birthday and also for his long service to the Lodge. Bro. C.V. Tottle was elected Secretary in 1926 and served until his death in 1950. Bro. Wm. McBurnie returns to Lodge after serving 7 years overseas in the Armed Forces. W. Bro. Wm. Gow is appointed Grand Steward. Installation Night changes from January to December due to the continual bad weather conditions in January. It was approved that the Tyler’s pay be .50 per meeting.

The Fifties

W. Bro. E.D. Magett appoints Bro. Joe Kemp as Chaplain and Bro. Doug Wright as Ass’t. Secretary. R.W. Bro. Floyd Albertson is honoured for his 23 years of service as Treasurer and his work in the Lodge since its inception. Bro. A.E. (Ed) Dyer is installed in the Chair of King Solomon. Two minutes silence was observed in respect to his late Majesty, King George V1.V.W. Bro. S.D. Shaw was congratulated and presented the Regalia of Grand Steward. Meetings and discussions were held regarding the division of Toronto District A. At Grand Lodge it was decided to split the district into two districts, A1 and A2, to take place in 1955. A donation was presented to River Park Lodge to help in the rebuilding of their Temple due to the damage suffered by Hurricane Hazel. In July, 1955, Grand Lodge celebrated its 100th meeting. An open air service was held at Exhibition Park with over 2,500 in attendance. Mr. R.J. Elrick is initiated into King Hiram Lodge. V.W. Bro. Bill Gow presents V.W. Bro. Archie Wright with his Regalia of Grand Steward. Bro. Joe Kemp is installed in the Chair of King Solomon, his father Bro. J.T. Kemp presents a gift on behalf of the family.

The Sixties

Bro. Doug Wright is installed in the Chair of King Solomon by his father ,V.W. Bro. Archie Wright. This is the first time in the history of the Lodge that a father has installed his own son. The Metro Police Team confers the E.A. Degree on Mr. Robert N. Wilson. V.W. Bro. Archie Wright presents Grand Steward Regalia to V.W. Bro. Reg Wright. King Hiram members and ladies initiate visitations to William S. Farmer Lodge #1109 in Syracuse, New York. Mr. Lewis Crocker passes a Board of Trial and is accepted as a candidate for Initiation. W. Bro. Sam Wright is Installed in the Chair of King Solomon. Dues increase to .00. Father and Son night featured Johnny Bower of the Toronto Maple Leafs. W. Bro. A.E. (Ed) Dyer is elected D.D.G.M. of Toronto District #1. The following year Father and Son night featured Leo Cahill, coach of the Toronto Argonauts. Bro. Robert Elrick presents a D of C wand to the Lodge in memory of his father, Bro. Robert Elrick Sr.

The Seventies

In 1970 we celebrated our 50th Anniversary. Father, Son and Daughter night featured entertainment and movies. V.W. Bro. Archie Wright passed to the Grand Lodge Above. V.W. Bro. Bill Gow, 41 years a Past Master of King Hiram is the first member to receive a 50 year service pin. Bro. Sam Hough of Danville, California visits and later affiliates with King Hiram after moving to Toronto. Bro.’s Lloyd Lemoine and Ernest Roy Imrie receive 50 year pins. Bro. Arnold Sinclair continues to deliver profound lectures when presenting the Candidates Bible. Father and Son night features Darryl Sittler of the Toronto Maple Leafs. Lodge members enjoy memorable cruises with Bro. Bill Rhyme aboard the “Lomar”. Visitations with King Hiram Lodge #37, Ingersoll are initiated. Visitations continue which result in the creation of the King Hiram Friendship Gavel. The Rt. Hon. Chief Justice James C. McRuer of King Hiram Lodge receives a 50 year pin. Dues increase to .00. Bro. James Rushford Sr, is presented a plaque for his service to King Hiram as Chaplain and his 57 years in Masonry. V.W. Bro. Joe Kemp is appointed Grand Steward. Bro. Ron Padgett entertains regularly on the organ with great talent, artistry and his well known humour.
The Eighties

Our 60th Anniversary. V.W. Bro. Doug Wright is appointed Grand Tyler and is presented with his fathers regalia, V.W. Bro. Archie Wright. Bro. Aubrey McGill is presented a plaque for his devotion as Chairman of the Benevolent and Sick Committee. V.W. Bro. Joe Kemp and V.W. Bro. Doug Wright are honoured for their many years of service as Secretary and Treasurer of the Lodge. Members Night tradition continues with Bro. Henry Strackholder being Initiated. King Hiram makes a donation to the Barbara Turnbull Fund. W. Bro. Ernie Morrison is appointed as Assistant Grand Director of Ceremonies. Annual dues increase to .00. W. Bro. Robert N. Wilson is honoured and presented his Grand Steward Regalia by W. Bro. George Owttrim. A year later V.W. Bro. Robert N. Wilson is presented a plaque in recognition of his service to Masonry and King Hiram Lodge. The first District Walkathon takes place and proves to be very successful. W. Bro. Alistair Clement initiates his son, Mr. Graham Clement into King Hiram. Bro. Aubrey McGill is awarded the prestigious William Mercer Wilson Award. M.W. Bro. William R. Pellow, Grand Master attends the Installation Ceremony of Bro. Edward Grinko being placed in the Chair of King Solomon. King Hiram hosts the District Education which features St. John’s Lodge #209 from London, Ontario. King Hiram hosts a special Appreciation Night for all Past D.D.G.M.’s of Toronto District #1.
The Nineties

Bro. Tom Thompson visits from Scotland to share the Installation Ceremony with his brother, W. Bro. Hugh Thompson. W. Bro. Sam Wright is honoured and presented with the Regalia of Assistant Grand Secretary. Bro. Rick Morell is Installed in the Chair of King Solomon. King Hiram donates 00.00 to the Runnymede Chronic Care Hospital Fund. W. Bro. Sam Hough passes to the Grand Lodge above. R.W. Bro. A.E. (Ed) Dyer is presented a 50 year service pin. Bro. John Kikiantonis is awarded the Canada 125 Year Award Medal. W. Bro. Edward Grinko launches the district newsletter, “The Blue Print”. W. Bro. Robert Langzik and Bro. Aubrey McGill pass to the Grand Lodge above. V.W. Bro. Robert Wilson is appointed Grand Lodge Representative to the Grand Lodge of Utah. Memorial Lodge #652 affiliates with King Hiram Lodge. W. Bro. Lew Crocker is appointed Grand Steward. W. Bro. Rick Morell serves a second term as Worshipful Master. Bro. Earl Walsh is Installed in the Chair of King Solomon. In 1995 we celebrate our 75th Anniversary. A full year of celebrations and activities is planned including a Gala Anniversary Dance. Bro. John Kikiantonis is Installed in the Chair of King Solomon by V.W. Bro. Sam Wright who substituted for W. Bro. Edward Grinko due to the death of his wife. 50 year pins are presented to V.W. Bro. Doug J.B. Wright, V.W. Bro. Ed Wilkings, Bro. George Cowie and Bro. John Cholmomdeley. 25 year Past Master pins are presented to W. Bro. Proctor, R.W. Bro. Ed Dyer, V.W. Bro. Joe Kemp, V.W. Bro. Doug Wright, V.W. Bro. Ken McLean, W. Bro. Fred Twitchin, Sr., V.W. Bro. Sam Wright, V.W. Bro. Bill Hunter and W. Bro. Doug Kelman. W. Bro. Earl Walsh is Installed in the Chair of King Solomon for a second time by W. Bro. Lew Crocker. The following year Bro. Bill Wingrove is Installed in the Master’s Chair by W. Bro. Earl Walsh. V.W. Bro. Sam Wright is also Installed as Worshipful Master for his second time, 32 years later and initiated Bro.’s Scott Hoy, Ben MacDonald and Dusty Markle. We were saddened with the passing of V.W. Bro. Doug J.B. Wright to the Grand Lodge Above. W. Bro. Rick Morell is Installed in the Chair of King Solomon by W. Bro. Hugh Thompson.
A New Millennium

2000 – 2005

Bro. Aaron Williams is Raised to the Sublime Degree of a Master Mason. A special night and reception is held for R.W. Bro. Earl Walsh who was elected D.D.G.M. of Toronto District #1. Bro. Ken Mullings is Installed in the Chair of King Solomon by his friend and mentor, W. Bro. Hugh Thompson. V.W. Bro. Hugh McKnight is made an honourary member of the Lodge. A reception is held to present W. Bro. Robert Elrick with his Grand Lodge Regalia. Mr. Stephen Brode is Initiated into King Hiram Lodge. A special meeting is held at Central Park Lodge to congratulate Bro. Imrie on his 102nd Birthday and his 80 years a Mason. W. Bro. John Kikiantonis is Installed as Master for a second time and also re-accepts the Office the following year. W. Bro. Kikiantonis enjoys the honour and pleasure of Initiating his son, Emmanuel into Masonry. Mr. Andrew Adamyk is Initiated into King Hiram Lodge. A memorial was conducted for V.W. Bro. Robert Elrick and R.W. Bro. Robert Wilson who passed to the Grand Lodge Above. V.W. Bro. Bill Hunter receives his 50 year pin. W. Bro. Hugh Thompson passes to the Grand Lodge Above. W. Bro. Edward Grinko is Installed as master for a second time and enjoys the distinct pleasure of Initiating his son, Christopher. Mr. James Berry is also Initiated into Masonry. The Secretary’s honorarium is raised to 0.00. V.W. Bro. Ed Wilkings is made a life member of King Hiram Lodge. W. Bro. Rick Morell is Installed for the fourth time as Worshipful master. King Hiram Lodge is now in its 85th year. Mr. Daniel Berube and Michael Bonner are Initiated and Bro. Antonio Texeira is Raised to the Sublime Degree of a Master Mason. A special evening was conducted for W. Bro. Ken Mullings to celebrate his retirement and his return to Jamaica.
The intervening years between 1920 and 2005 have been momentous years of change in the History of the World.

Consider the Twenties, an era of building following World War I. The Depression of the Thirties. The conflict and hardship encountered due to World War II. The united efforts of rebuilding throughout the Forties and Fifties. The social changes and struggles throughout the Sixties and Seventies. The boom of the Eighties, the recession of the Nineties and the dreams and expectations of a new Millennium.

The years have also seen many changes in King Hiram Lodge. We have witnessed and shared in the lives of many of the Men who have been instrumental in the creation of and continuation of our Lodge.

Throughout the years the spirit of Masonry has always been kept alive and we have at all times remembered the wishes of our Founders, to uphold the basic principles on which the Lodge was established, “to keep this a friendly Lodge and to show true Brotherhood to All”. Our strength in the past has been in the dedication, loyalty and respect, for our Lodge by the many men who have affixed their signatures to our By-Laws.

Lives of great men all remind us
We can make our lives sublime,
And, departing, leave behind us
footprints on the sands of time.

– Henry Wadsworth Longfellow

* Reprinted from the King Hiram Lodge #566 “Consecration Night” Booklet, November 15, 1920

During these times of economic turbulence and insecurity we all have a immense need for sickness, accident, unemployment & redundancy protection. Most of us have a mortgage, loans, credit cards, utility bills and everyday living expenses that would need to be paid if we were to lose our jobs through a redundancy, become ill or suffered an injury and be unable to work for a while.

With household budgets already stretched you should think seriously about protecting yourself and your family. If you or your partner lost your job through a redundancy and you ended up unemployed for a long period of time. How would you pay your mortgage and other bills? It is at times like this that debts start to rise as you struggle to meet your commitments. Then you start borrowing on your credit cards or taking out high cost loans and slowly your debts become bigger and you start to lose control and your debts spiral out of control.

It is impossible to predict whether you will find yourself unemployed or off work due to a long term illness or an accident. There are different types of protection insurance policies available today. You should consider taking out a protection policy to safeguard yourself from a financial disaster should anything happen to you or any of your loved ones. The Yorkshire Building Society recently estimated that the average Briton’s savings would only last 52 days if they were unable to work and that 36% of Britons would only last 11 days. Scary isn’t it.

The old adage of having a ‘rainy day fund’ looks like it is a thing of the past, with one in six people or 16% of us having to rely on credit to fund basic household breakdowns. 45% of Britons say that they could not afford more than £500 if an emergency arose and 20% of Britons said they could afford no more than £100, according to research carried out by the Alliance & Leicester. Based on these statistics it is important that you protect yourself.

There are two main types of Protection Insurance policies available:-

Accident, Sickness, Unemployment & Redundancy cover Generally known as Mortgage payment protection insurance (MPPI). It was designed to provide you with a monthly payment to cover your monthly mortgage payment and associated mortgage costs if you were to lose your earned income, through illness, accident, unemployment or redundancy. The payment period is often limited to a maximum of 24 months for Accident and Illness and 12 months for Unemployment and Redundancy.

Income Protection Insurance (also known as Permanent Health Insurance) This type of Insurance will pay you an income if you are unable to work due to an illness or injury and it usually pays out either until you return to work or you reach retirement age. Income Protection policies will usually pay up to 70% of you annual income. You can add redundancy cover to an Income protection policy. This type of policy may seem costly but it will pay you out for the term of the policy or until you reach retirement age in the event a long term illness, accident or redundancy that may lead to long term unemployment

Contributing author Mark Aucamp has been providing Talk Money Blog with regular posts and comments. Mark is recognised as an authority in the field of Debt Management and the Remortgage market; he has extensive experience in providing Advice & Solutions. Mark is the Editor of Talk Money Blog: – http://talkmoneyblog.co.uk
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Understand the Unemployment Insurance

CCC Camp
unemployment fund
Image by anyjazz65
This looks a bit like a photograph of a photograph.

So what do the letters on the sign mean? A little research turned up a lot of information that seems well … IS impossible today.

From Wiki
Civilian Conservation Corps (CCC) was a public work relief program that operated from 1933 to 1942 in the United States for unemployed, unmarried men from relief families, ages 18–25 as part of Roosevelt’s New Deal. Robert Fechner was the head of the agency. It was a major part of President Franklin D. Roosevelt’s New Deal that provided unskilled manual labor jobs related to the conservation and development of natural resources in rural lands owned by federal, state and local governments. The CCC was designed to provide jobs for young men, to relieve families who had difficulty finding jobs during the Great Depression in the United States while at the same time implementing a general natural resource conservation program in every state and territory. Maximum enrollment at any one time was 300,000; in nine years 3 million young men participated in the CCC, which provided them with shelter, clothing, and food, together with a small wage of a month ( of which had to be sent home to their families).

The American public made the CCC the most popular of all the New Deal programs. Principal benefits of an individual’s enrollment in the CCC included improved physical condition, heightened morale, and increased employability. Implicitly, the CCC also led to a greater public awareness and appreciation of the outdoors and the nation’s natural resources; and the continued need for a carefully planned, comprehensive national program for the protection and development of natural resources.

During the time of the CCC, volunteers planted nearly 3 billion trees to help reforest America, constructed more than 800 parks nationwide and upgraded most state parks, updated forest fire fighting methods, and built a network of service buildings and public roadways in remote areas.

Responding to favorable public opinion to alleviate unemployment, Congress approved the Emergency Relief Appropriation Act of 1935, on 8 April 1935, which included continued funding for the CCC program through 31 March 1937. The age limit was also expanded to 18-28 to include more men. From 1 April 1935 to 31 March 1936 was the period of greatest activity and work accomplished by the CCC program. Enrollment had peaked at 505,782 in about 2,900 camps by 31 August 1935, followed by a reduction to 350,000 enrollees in 2,019 camps by 30 June 1936. During this period the public response to the CCC program was overwhelmingly popular. A Gallup poll of 18 April 1936 asked "Are you in favor of the CCC camps?"; 82% of respondents said yes, including 92% of Democrats and 67% of Republicans.

Despite its popular support, the CCC was never a permanent agency. It depended on emergency and temporary Congressional legislation for its existence. By 1942, with World War II and the draft in operation, need for work relief declined and Congress voted to close the program.

From “A History of the CCC in Rocky Mountain Park” by Julia Brock:
CCC officials disbanded (camp) NP-3 in October of 1934 and replaced it with NP-7 in the summer of 1935. Although NP-7 was also near Phantom Valley on the western side of the park, administrators chose a different location for the camp. Like NP-3, the superintendent and CCC administrators never expressly identified the campsite. Company 809 manned NP-7 in the summer of 1935; it was not inhabited again until 1938. In the summer of 1938, Company 847 moved into the camp, but again it was short lived and the company abandoned the camp that fall. Company 808 last used NP-7 for housing while constructing NP-12 in the summer of 1940.

(Excerpt from “The Archeology of the Civilian Conservation Corps in Rocky Mountain National Park” by William B. Butler, Park Archeologist.)
Five camps were built in the park, along with one outside the park that also did some work in the park. The camps on the east side of the park were NP-1-C in Little Horseshoe Park, and camps NP-4-C and NP-11-C that were located beside each other along Mill Creek in Hollowell Park. Camps across the Continental Divide to the west were NP-3-C and NP-7-C in the same area on Beaver Creek in the Kawuneeche Valley. Camp NP-12-C was also constructed on the west side, but south of the park and the Town of Grand Lake.

Many women have asked about whether there is such a thing as unemployment insurance for maternity leave. In order to get the details, it is best to discuss what unemployment insurance fund is first. When a worker becomes unemployed or is not able to secure a job because of illness or maternity leave, he can avail of the financial aid offered by the unemployment insurance fund, or UIF for short. It can also cover the dependents of the contributing worker if he has passed away. If an employee, excluding public servants, works for over 24 hours within each month, he or she is required to contribute to the UIF. The worker is required to pay 1 percent of his or her salary each month, and the employer will contribute an additional 1 percent. The employer is accountable for the salary deduction which is channelled to the worker’s contribution to the fund.

Furthermore, it is the employer’s obligation to ensure that all of his or her employees have officially signed up with the UIF, whether they are natives or foreigners of the area. When a worker who contributes to the UIF loses his or her job or is unable to work, he can claim their benefits from the fund. It covers for Unemployment, Maternity, Adoption, Illness, and Death.

A) Unemployment Benefits

If you have been retrenched or dismissed from the job or if your contract has expired, then you as a contributing member can avail of the benefits. However, if you have resigned of your own accord then you are exempted from the coverage.

B) Maternity Benefits

If you are pregnant and have to take a maternity leave, then the UIF can cover for you. You can avail of maternity leave whenever you want from 4 weeks before you are expecting and you can choose not to go back to work for six weeks after you have given birth.

C) Adoption Benefits

UIF can be applied to one who adopt a child whoever are not exceed two years old, and he or she must take a leave to take care of him or her. However, only one of the parents who are adopting will be able to apply for coverage.

D) Illness Benefits

If you are unable to work due to illness for two weeks, then you can be covered with the UIF starting from the date which you have been off of your job.

E) Death Benefits

If a contributing worker has died, the spouse or the child of minor age can be covered with the unemployment insurance fund.

The UIF will cover a percentage of the salary that the contributing worker earned while they were with the fund. The biggest number that can be claimed would be 58 percent of what the worker’s daily income. A worker who has been a UIF contributor for over four years can claim coverage to a maximum of 238 days. For those who have been contributors for less than that time, he or she can claim one day every six days that they worked while they were UIF contributors. The unemployment insurance for maternity leave allows the woman to claim to a maximum of 121 days. If you gave used up the coverage but still unable to secure a job or are ill, then there you may apply to get an extension of the UIF benefits. Make sure to prepare for all of the paperwork and other requirements before you apply to claim the benefits from the unemployment insurance for maternity leave, unemployment, illness, adoption or death.

Marybelle Harbach is an author of Wellnessmaternity.com that published some interested articles about maternity insurance and unemployment insurance for maternity leave.
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Take advantages of unemployment fund benefits

Gulf Coast SURVIVORS.
unemployment fund
Image by eyewashdesign: A. Golden
New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008

VOTE YOUR CONSCIENCE on 04 NOVEMBER 2008!

Photographer: a. golden, eyewash design – c. 2008.

Friends,

The richest 400 Americans — that’s right, just four-hundred people — own MORE than the bottom 150 million Americans COMBINED! 400 of the wealthiest Americans have got more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their wealth has increased by nearly 0 billion — the same amount that they were demanding We give to them for the "bailout." Why don’t they just spend the money they made under Bush to bail themselves out? They’d still have nearly a trillion dollars left over to spread amongst themselves!

Of course, they are not going to do that — at least not voluntarily. George W. Bush was handed a 7 billion surplus when Bill Clinton left office. Because that money was OUR money and not HIS, he did what the rich prefer to do — spend it and never look back. Now we have a .5 trillion debt that will take seven generations from which to recover. Why — on –earth – did — our — "representatives" — give — these — robber — barons — $US850 BILLION — of – OUR — money?

Last week, proposed my own bailout plan. My suggestions, listed below, were predicated on the singular and simple belief that the rich must pull themselves up by their own platinum bootstraps. Sorry, fellows, but you drilled it into our heads one too many times: THERE…IS…NO…FREE… LUNCH ~ PERIOD! And thank you for encouraging us to hate people on welfare! So, there should have been NO HANDOUTS FROM US TO YOU! Last Friday, after voting AGAINST this BAILOUT, in an unprecedented turn of events, the House FLIP-FLOPPED their "No" Vote & said "Yes", in a rush version of a "bailout" bill vote. IN SPITE OF THE PEOPLE’S OVERWHELMING DISAPPROVAL OF THIS BAILOUT BILL… IN SPITE OF MILLIONS OF CALLS FROM THE PEOPLE CRASHING WASHINGTON "representatives’" PHONE LINES…IN SPITE OF CRASHING OUR POLITICIAN’S WEBSITES…IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY… THEY VOTED FOR THIS BAILOUT! The People first succeeded on Monday with the House, but failed do it with the Senate and then THE HOUSE TURNED ON US TOO!

It is clear, though, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/’ve do/one. So, after consulting with a number of people smarter than Phil Gramm, here’s the proposal, now known as "Mike’s Rescue Plan." (From Michael Moore’s Bailout Plan) It has 10 simple, straightforward points. They are that you DIDN’T, BUT SHOULD’VE:

1. APPOINTED A SPECIAL PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any new money was expended, Congress should have committed, by resolution, to CRIMINALLY PROSECUTE ANYONE who had ANYTHING to do with the attempted SACKING OF OUR ECONOMY. This means that anyone who committed insider trading, securities fraud or any action that helped bring about this collapse should have and MUST GO TO JAIL! This Congress SHOULD HAVE called for a Special Prosecutor who would vigorously go after everyone who created the mess, and anyone else who attempts to scam the public in future. (I like Elliot Spitzer ~ so, he played a little hanky-panky…Wall Street hates him & this is a GOOD thing.)

2. THE RICH SHOULD HAVE PAID FOR THEIR OWN BAILOUT! They may have to live in 5 houses instead of 7. They may have to drive 9 cars instead of 13. The chef for their mini-terriers may have to be reassigned. But there is no way in hell, after forcing family incomes to go down more than ,000 dollars during the Bush years, that working people and the middle class should have to fork over one dime to underwrite the next yacht purchase.

If they truly needed the 0 billion they say they needed, well, here is an easy way they could have raised it:

a) Every couple makeing over a million dollars a year and every single taxpayer who makes over 0,000 a year should pay a 10% surcharge tax for five years. (It’s the Senator Sanders plan. He’s like Colonel Sanders, only he’s out to fry the right chickens.) That means the rich would have still been paying less income tax than when Carter was president. That would have raise a total of 0 billion.

b) Like nearly every other democracy, they should have charged a 0.25% tax on every stock transaction. This would have raised more than 0 billion in a year.

c) Because every stockholder is a patriotic American, stockholders should have forgone receiving a dividend check for ONE quarter and instead this money would have gone the treasury to help pay for the bullsh*t bailout.

d) 25% of major U.S. corporations currently pay NO federal income tax. Federal corporate tax revenues currently amount to 1.7% of the GDP compared to 5% in the 1950s. If we raised the corporate income tax BACK to the levels of the 1950s, this would give us an extra 0 billion.

All of this combined should have been enough to end the calamity. The rich would have gotten to keep their mansions and their servants and our United States government ("COUNTRY FIRST!") would’ve have a little leftover to repair some roads, bridges and schools…

3. YOU SHOULD HAVE BAIL OUT THE PEOPLE LOSING THEIR HOMES, NOT THE PEOPLE WHO WILL BUILD AN EIGHTH HOME! There are 1.3 million homes in foreclosure right now. That is what is at the heart of this problem. So, instead of giving the money to the banks as a gift, they should have paid down each of these mortgages by 0,000. They should have forced the banks to renegotiate the mortgage so the homeowner could pay on its current value. To insure that this help wouldn’t go to speculators and those who tried to making money by flipping houses, the bailout should have only been for people’s primary residences. And, in return for the 0K pay-down on the existing mortgage, the government would have gotten to share in the holding of the mortgage so it could get some of its money back. Thus, the total initial cost of fixing the mortgage crisis at its roots (instead of with the greedy lenders) is 0 billion, not 0 BILLION.

And let’s set the record straight. People who have defaulted on their mortgages are not "bad risks." They are our fellow Americans, and all they wanted was what we all want: a home to call their own. But, during the Bush years, millions of the People lost the decent paying jobs they had. SIX MILLION fell into poverty! SEVEN MILLION lost their health insurance! And, every one of them saw their real wages go DOWN by ,000! Those who DARE look down on these Americans who got hit with one bad break after another should be ASHAMED.! We are a better, stronger, safer and happier society when all of our citizens can afford to live in a home they own.

4. THERE SHOULD HAVE BEEN A STIPULATION THAT IF YOUR BANK OR COMPANY GOT ANY OF OUR MONEY IN A "BAILOUT," THEN WE OWN YOU. Sorry, that’s how it’s done. If the bank gives me money so I can buy a house, the bank "owns" that house until I pay it all back — with interest. Same deal for Wall Street. Whatever money you need to stay afloat, if our government considers you a safe risk — and necessary for the good of the country — then you can get a loan, but WE SHOULD OWN YOU. If you default, we will sell you. This is how the Swedish government did it and it worked.

5. ALL REGULATIONS SHOULD HAVE BEEN BE RESTORED. THE REAGAN REVOLUTION IS DEAD! This catastrophe happened because we let the fox have the keys to the hen-house. In 1999, Phil Gramm authored a bill to remove all the regulations that governed Wall Street and our banking system. The bill passed and Clinton signed it. Here’s what Sen.Phil Gramm, McCain’s chief economic advisor, said at the bill signing:

"In the 1930s … it was believed that government was the answer. It was believed that stability and growth came from government overriding the functioning of free markets.

"We are here today to repeal [that] because we have learned that government is not the answer. We have learned that freedom and competition are the answers. We have learned that we promote economic growth and we promote stability by having competition and freedom.

"I am proud to be here because this is an important bill; it is a deregulatory bill. I believe that that is the wave of the future, and I am awfully proud to have been a part of making it a reality."

FOR THIS NOT TO REOCCUR, This BILL SHOULD HAVE BEEN REPEALED! Bill Clinton could have helped by leading the effort for the repeal of the Gramm bill and the reinstating of even tougher regulations regarding our financial institutions. And when they were done with that, they should have restored the regulations for the airlines, the inspection of our food, the oil industry, OSHA, and every other entity that affects our daily lives. All oversight provisions for any "bailout" should have had enforcement monies attached to them and criminal penalties for all offenders.

6. IF IT’S TOO BIG TO FAIL, THEN THAT MEANS IT’S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the monopoly and anti-trust laws has allowed a number of financial institutions and corporations to become so large, the very thought of their collapse means an even bigger collapse across the entire economy. No ONE or TWO companies should EVER have this kind of power! The so-called "economic Pearl Harbor" can’t happen when you have hundreds — thousands — of institutions where people have their money. When we have a dozen auto companies, if one goes belly-up, we DON’T FACE A NATIONAL DISASTER! If we have three separately-owned daily newspapers in your town, then one media company can’t call all the shots (I know… What am I thinking?! Who reads a paper anymore? Sure glad all those mergers and buyouts left us with a STRONG and "FREE" press!). Laws Should have been enacted to prevent companies from being so large and dominant that with one slingshot to the eye, the GIANT FALLS and DIES. And no institution should be allowed to set up money schemes that NO ONE understands. If you can’t explain it in two sentences, you shouldn’t be taking anyone’s money!

7. NO EXECUTIVE SHOULD EVER BE PAID MORE THAN 40 TIMES THEIR AVERAGE EMPLOYEE, AND NO EXECUTIVE SHOULD RECEIVE ANY KIND OF "PARACHUTE" OTHER THAN THE VERY GENEROUS SALARY HE OR SHE MADE WHILE WORKING FOR THE COMPANY. In 1980, the average American CEO made 45 times what their employees made. By 2003, they were making 254 times what their workers made. After 8 years of Bush, they now make over 400 times what their average employee makes. How We have allowed this to happen at publicly held companies is beyond reason. In Britain, the average CEO makes 28 times what their average employee makes. In Japan, it’s only 17 times! The last I heard, the CEO of Toyota was living the high life in Tokyo. How does he do it on so little money? Seriously, this is an OUTRAGE! We have created the mess we’re in by letting the people at the top become bloated beyond belief with millions of dollars. THIS HAS TO STOP! Not only should no executive who receives help out of this mess profit from it, but any executive who was in charge of running his company into the ground should be FIRED before the company receives ANY help.

8. CONGRESS SHOULD HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT ONLY PEOPLE’S SAVINGS, BUT ALSO THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose expanding FDIC protection of people’s savings in their banks to 0,000. But, this same sort of government insurance must be given to our NEVER have to worry about whether or not the money they’ve put away for their old age will be there. This should have meant strict government oversight of companies who manage their employees’ funds — or perhaps it means the companies should have been forced to turn over those funds and their management to the government? People’s private retirement funds must also be protected, but perhaps it’s time to consider not having one’s retirement invested in the casino known as the stock market??? Our government should have a solemn duty to guarantee that no one who grows old in this country has to worry about becoming destitute.

9. EVERYBODY NEEDS TO TAKE A DEEP BREATH, CALM DOWN, AND NOT LET FEAR RULE THE DAY. Turn off your TVs! We are NOT in the Second Great Depression. The sky is NOT falling, Chicken Little! Pundits and politicians have lied to us so FAST and FURIOUS it’s hard not to be affected by all the fear mongering. Even I wrote to and repeated what I heard on the news last week, that the Dow had the biggest one day drop in its history. Well, that was true in terms of points, but its 7% drop came nowhere close to Black Monday in 1987 when the stock market in one day lost 23% of its value. In the ’80s, 3,000 banks closed, but America didn’t go out of business. These institutions have always had their ups and downs and eventually it works out. It has to, because the rich do not like their wealth being disrupted! They have a vested interest in calming things down and getting back into their Jacuzzis before they slip into their million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.

As crazy as things are right now, tens of thousands of people got a car loan last week. Thousands went to the bank and got a mortgage to buy a home. Students just back to college found banks more than happy to put them into hock for the next 15 years with a student loan. I was even pre-approved for a USK personal loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1% umeployment rate, but that happened last month). Not a single person lost any of his/her monies in bank, or a treasury note, or in a CD. And, the perhaps the most amazing thing is that the American public FINALLY didn’t buy the scare campaign. The citizens didn’t blink, instead telling Congress to take that bailout and shove it. THAT was impressive. Why didn’t the population succumb to the fright-filled warnings from their president and his cronies? Well, you can only say ‘Saddam has the bomb’ so many times before the people realize you’re a lying sack of shit. After eight long years, the nation is worn out and simply can’t take it any longer. The WORLD is fed up & I don’t blame them.

10. THEY SHOULD HAVE CREATED A NATIONAL BANK, A "PEOPLE’S BANK." Since they’re really itching to print up a trillion dollars, instead of giving it to a few rich people, why don’t We give it to ourselves? Now that We own Freddie and Fannie, why not set up a People’s bank? One that can provide low-interest loans for all sorts of people who want to own a home, start a small business, go to school, come up with the cure for cancer or create the next great invention. And, now that we own AIG – the country’s largest insurance company – let’s take the next step and PROVIDE HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE us SO MUCH MONEY in the LONG RUN (not to mention bring peace of mind to all). And, America won’t be 12th on the life expectancy list! We’ll be able to have a longer lifespan, enjoying our government-protected pension and will live to see the day when the corporate criminals who caused this much misery are let out of prison so that We can help re-acclimate them to plain old ordinary, civilian life — a life with ONE nice home and ONE gas-free car invented with help from the People’s Bank.

P.S. Call your Senators NOW !!! —> www.visi.com/juan/congress/

Since they voted against passing the extension of unemployment benefits and skipped out to "campaign" to us to be re-elected…call them and tell them you will vote for the other "guy" if they don’t get their act together!

UPDATE:

The Bailout Is A Truly Evil Disaster And Enabler Pelosi Must Go

We are hearing more and more reports of how badly the ill-advised banker’s bailout is being handled, multi-million dollar bonuses for Paulson’s old cronies at Goldman Sachs, billions going to finance the takeover of rival banks, making the "too big to fail" even bigger, and the taxpayer getting an otherwise rotten deal for their investment. We even heard a Republic senator asking how fast they could blow the money.

NONE of this could have happened without the fawning complicity of Nancy Pelosi, who infamously said it was Bush’s proposal, INSTEAD of coming forward with a robust alternative plan. Just like Bush, she believes she is immune, she believes she is unaccountable, and shame on us if we don’t do everything we can to defeat her this Tuesday, and replace her with Cindy Sheehan.

Here is Cindy’s last TV spot. Please make whatever donation you can to put this ad on the air in these critical final days.

Last Cindy TV Spot Action Page:
www.usalone.com/cindy/donations_tv2.php

There is still time for you to make a real difference. We thank all of our participants who have already donated so generously to make this campaign what it is. For those who cannot make a contribution, please consider helping with the phone banking, and there is a link for that also on the page above.

The one thing we know is that we must continue to speak out. We must continue to challenge. Surrendering is what our current so-called representatives in Congress are so prone to, NOT what we do. Ultimate victory is not only possible, it is assured if we work as hard as we can for real change, not just the rebranding of the same old boys’
network.

And we promise you, immediately after the election we will go right back to work on pure issue advocacy full time, to continue to build the base of action for the future.

Paid for by Cindy Sheehan for Congress

Donations to Cindy Sheehan for Congress are not tax-deductible

Please take action NOW, so we can win all victories that are supposed to be ours, and forward this alert as widely as possible.

If you would like to get alerts like these, you can do so at www.usalone.net/in.htm

Or if you want to cease receiving our messages, just use the function at www.usalone.net/out.htm

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