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	<title>Free Annual Credit Reports &#38; Score Tips &#187; Free Annual Credit Report</title>
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		<title>Cool Free Annual Credit Report images</title>
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		<pubDate>Fri, 27 Jan 2012 08:32:15 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
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		<description><![CDATA[Check out these free annual credit report images: Archer Daniels Midland (ADM) and the Criminal Insanity of Ethanol Subsidies (g1a2d0036c1) Image by watchingfrogsboil ARCHER DANIELS MIDLAND (ADM) AND THE CRIMINAL INSANITY OF ETHANOL SUBSIDIES Global Revolution 1: American Revolution 2: Day 36: Communication 1 IronBoltBruce&#8217;s Kleptocracy Chronicles: 22 Oct 2011 (g1a2d0036c1) According to the Center [...]]]></description>
			<content:encoded><![CDATA[<p>Check out these free annual credit report images:</p>
<p><strong>Archer Daniels Midland (ADM) and the Criminal Insanity of Ethanol Subsidies (g1a2d0036c1)</strong><br />
<img alt="free annual credit report" src="http://farm7.staticflickr.com/6060/6268550647_fbfa03d410.jpg" width="400"/><br />
<i>Image by <a href="http://www.flickr.com/photos/58687716@N05/6268550647">watchingfrogsboil</a></i><br />
ARCHER DANIELS MIDLAND (ADM) AND THE CRIMINAL INSANITY OF ETHANOL SUBSIDIES<br />
Global Revolution 1: American Revolution 2: Day 36: Communication 1<br />
IronBoltBruce&#8217;s Kleptocracy Chronicles: 22 Oct 2011 (g1a2d0036c1)</p>
<p>According to the Center for Science in the Public Interest (CSPI),<br />
&quot;Subsidies to companies that blend corn ethanol into gasoline, coupled with<br />
a mandate to market billions of gallons of that gasoline annually, cost<br />
taxpayers  billion a year.  Using corn for fuel leads to higher prices for<br />
corn and foods with corn ingredients &#8211; all for a program without significant<br />
environmental benefit.&quot;</p>
<p><a href="http://www.cspinet.org/new/201110131.html" rel="nofollow">www.cspinet.org/new/201110131.html</a></p>
<p>But according to Straight Dope columnist Cecil Adams, the CSPI was incorrect<br />
in saying ethanol is &quot;without significant environmental benefit&quot; because it<br />
actually offers no environmental benefit at all:  &quot;The capper &#8230; is the<br />
claim that it takes more energy to make a gallon of ethanol than you get by<br />
burning it.  One of the most vocal proponents of this view is Cornell<br />
University ecology professor David Pimentel.  In an analysis published in<br />
2001 in the peer-reviewed Encyclopedia of Physical Sciences and Technology,<br />
Pimentel argued that when you add up all the energy costs &#8211; the fuel for<br />
farm tractors, the natural gas used to distill corn sugars into alcohol, and<br />
so on &#8211; making a gallon of ethanol takes 70 percent more energy than the<br />
finished product contains.  And because that production energy comes mostly<br />
from fossil fuels, gasohol isn&#8217;t just wasting money but hastening the<br />
depletion of nonrenewable resources.&quot;</p>
<p><a href="http://tinyurl.com/3oj92mw" rel="nofollow">tinyurl.com/3oj92mw</a></p>
<p>And according to Energy Tribune writer Robert Bryce, the actual cost for<br />
taxpayers to subsidize ethanol is almost triple the CPSI&#8217;s  billion<br />
figure:  &quot;Last year, the Congressional Budget Office reported that the cost<br />
to taxpayers of using corn ethanol to reduce gasoline consumption by one<br />
gallon is .78.  This year, the corn ethanol sector will produce about 13.8<br />
billion gallons of ethanol, the energy equivalent of about 9.1 billion<br />
gallons of gasoline.  Using the CBO&#8217;s numbers, the total cost to taxpayers<br />
this year for the ethanol boondoggle will be about .2 billion.  In short,<br />
ethanol subsidies are nearly four times as great as those provided for oil<br />
and gas, even though the domestic drilling sector provides about 36 times as<br />
much energy to the U.S. economy.&quot;  (As if oil companies should be<br />
taxpayer-subsidized either!)</p>
<p><a href="http://tinyurl.com/42gag37" rel="nofollow">tinyurl.com/42gag37</a></p>
<p>So who are you and I &#8211; American taxpayers &#8211; annually gifting (what<br />
&quot;subsidizing&quot; really means) this  billion ethanol corndoggle to?  The<br />
biggest beneficiaries are of course the major corn ethanol producers like<br />
Archer Daniels Midland (ADM), who along with Monsanto and other Big Ag (Big<br />
Corn) cronies contributed heavily over the past several years to many<br />
members of this bipartisan group of 15 U.S. senators who last November<br />
signed a letter demanding an extension of these economically and<br />
ecologically unjustifiable government giveaways:</p>
<p>Sen. Kent Conrad (D-N.D.)<br />
Sen. Chuck Grassley (R-Iowa)<br />
Sen. Christopher &#8216;Kit&#8217; Bond (R-Mo.)<br />
Sen. Tom Harkin (D-Iowa)<br />
Sen. Amy Klobuchar (D-Minn.)<br />
Sen. Ben Nelson (D-Neb.)<br />
Sen. Sam Brownback (R-Kan.)<br />
Sen. John Thune (R-S.D.)<br />
Sen. Tim Johnson (D-S.D.)<br />
Sen. Byron Dorgan (D-N.D.)<br />
Sen. Mike Johanns (R-Neb.)<br />
Sen. Al Franken (D-Minn.)<br />
Sen. Debbie Stabenow (D-Mich.)<br />
Sen. Mark Kirk (R-Ill.)<br />
Sen. Claire McCaskill (D-Mo.)</p>
<p><a href="http://tinyurl.com/24j33fy" rel="nofollow">tinyurl.com/24j33fy</a></p>
<p>ADM&#8217;s share of the corndoggle take is substantial, and it&#8217;s only part of the<br />
corporate welfare ADM&#8217;s been been receiving from Uncle Sam &#8211; you and me -<br />
for many years.  According to a 1995 article by James Bovard of the Cato<br />
Institute, &quot;At least 43 percent of ADM&#8217;s annual profits are from products<br />
heavily subsidized or protected by the American government.  Moreover, every<br />
 of profits earned by ADM&#8217;s corn sweetener operation costs consumers ,<br />
and every  of profits earned by its ethanol operation costs taxpayers<br />
.&quot;</p>
<p><a href="http://www.cato.org/pubs/pas/pa-241.html" rel="nofollow">www.cato.org/pubs/pas/pa-241.html</a></p>
<p>In an outstanding article entitled &quot;Starvation, Obesity, and Corporate<br />
Welfare: Archer Daniels Midland and U.S. Policy&quot;, Charles Krakoff of<br />
EmergingMarketsOutlook.com gives us the rest of the story:</p>
<p>&quot;ADM has exerted a strong influence on U.S. agricultural policy for at least<br />
40 years.  In 1973 Earl Butz, President Nixon&#8217;s Agriculture Secretary,<br />
engineered a shift away from the New Deal policies of farm price supports,<br />
which included limiting production of corn and other major commodities, to<br />
encouraging farmers to produce as much as they could, regardless of price.<br />
The government henceforth would pay direct subsidies to farmers to make up<br />
the difference between the market price and what it considered an<br />
appropriate floor price &#8230; providing a windfall to major corn processors&#8230;<br />
Except it wasn&#8217;t precisely a windfall, since ADM had done a great deal to<br />
engineer this outcome.  During the Watergate investigation, Special<br />
Prosecutor Archibald Cox indicted then-ADM CEO Dwayne Andreas for giving<br />
0,000 in illegal contributions to Hubert Humphrey&#8217;s 1968 Presidential<br />
campaign.  But Andreas was nothing if not bipartisan.  Richard Nixon&#8217;s<br />
secretary Rose Mary Woods testified that during Nixon&#8217;s 1972 campaign<br />
Andreas handed her an envelope containing 0,000 in 0 bills.  Between<br />
1975 and 1977 Andreas gave ,000 in ADM stock to the children of David<br />
Gartner, senator Humphrey&#8217;s chief of staff at the time, whom President Jimmy<br />
Carter in 1977 named to head the Commodity Futures Trading Commission (he<br />
was later forced to resign when the details of the ADM gift came to<br />
light)&#8230;&quot;</p>
<p>&quot;ADM continues to lavish huge sums on candidates for high office.  During<br />
the 1996 Presidential campaign ADM gave 0,000 to Bob Dole&#8217;s Better<br />
America Foundation, provided numerous free rides on ADM&#8217;s corporate jets to<br />
Senator and Mrs. Dole, and gave over .5m in soft money to the Republican<br />
National Committee.  Though Bob Dole lost his Presidential race he remained<br />
highly influential as a Senator and helped arrange the 54-cent per gallon<br />
ethanol tax credit of which ADM, producer of more than 60% of America&#8217;s<br />
corn-based ethanol, is the main beneficiary.  ADM also contributed to<br />
Clinton&#8217;s and George W. Bush&#8217;s campaigns.  Although Barack Obama apparently<br />
has received no direct campaign contributions from ADM &#8211; ADM was, however, a<br />
major sponsor of the 2008 Democratic National Convention &#8211; as a Senator from<br />
ADM&#8217;s home state of Illinois Mr. Obama was one of several farm-state<br />
Senators who staunchly opposed a Bush Administration proposal to lower the<br />
prohibitively high import duties on Brazilian ethanol made from sugar cane.<br />
During his Presidential campaign Mr. Obama vigorously defended the corn<br />
ethanol subsidy, and as President he has kept the policy firmly in place&#8230;&quot;</p>
<p>&quot;If rigging U.S. agriculture, trade, and energy policies to its advantage<br />
weren&#8217;t enough, ADM has also conspired with other agro-processing giants<br />
such as Cargill and Ajinomoto to fix prices for lysine, citric acid, and<br />
corn syrup.  It paid a 0m fine in 1996 for lysine price-fixing in a plea<br />
bargain that led to two-year prison sentences and 0,000 fines for Michael<br />
Andreas, Dwayne&#8217;s son and heir apparent, and Terence Watson, another ADM<br />
executive.  At around the same time, ADM, Cargill, and the British sugar<br />
company Tate &amp; Lyle were indicted by the U.S. government for conspiring to<br />
fix the price of high-fructose corn syrup.  Though they were cleared of<br />
criminal charges in 1999, they subsequently settled a lawsuit brought by<br />
U.S. food and beverage manufacturers, Cargill paying m, Tate &amp; Lyle<br />
0m, and ADM 0m&#8230;&quot;</p>
<p>&quot;The funneling of taxpayer dollars into ADM&#8217;s bottom line continues<br />
unabated&#8230;  Then there is the effect of ethanol subsidies on world hunger.<br />
You may remember the commodities price boom in the first half of 2008,<br />
before the housing market crash, when the oil price hit 7 a barrel, the<br />
corn price went to .65 a bushel, and more than 30 countries, including<br />
Bangladesh, Cameroon, Egypt, Haiti, India, Indonesia, Mozambique, and<br />
Senegal, suffered widespread and deadly food riots.  The spike in the corn<br />
price was caused largely by the diversion of roughly a third of America&#8217;s<br />
corn crop to ethanol production.  This had a knock-on effect on wheat and<br />
rice prices.  Numerous grain exporting countries, including Argentina,<br />
India, Vietnam, and Russia, imposed export bans, which contributed to<br />
shortages and price rises in countries dependent on food imports.  The same<br />
phenomenon may be about to repeat itself&#8230;&quot;</p>
<p>&quot;You can&#8217;t blame ADM for hot weather in Russia.  But if you had to identify<br />
one principal cause of what seem to be recurring food shortages and price<br />
shocks, you&#8217;d have to look at U.S. agricultural policy, and if you look at<br />
U.S. agricultural policy you have to look at ADM.  Ethanol subsidies and<br />
tariff protection divert cropland from food production to energy production.<br />
It&#8217;s as if you cut down a corn field to put in a power plant, except a power<br />
plant has a much smaller footprint than the thousands of acres of corn<br />
fields needed to produce an equivalent amount of energy.  The competition<br />
for cropland intensifies, food prices shoot up, and the world becomes much<br />
less stable.  Starvation abroad and obesity at home, ADM is one corporation<br />
with a lot to answer for.&quot;</p>
<p><a href="http://tinyurl.com/3nyh2cl" rel="nofollow">tinyurl.com/3nyh2cl</a></p>
<p>Related Image:</p>
<p><a href="http://philebersole.files.wordpress.com/2011/06/big-corn2.gif" rel="nofollow">philebersole.files.wordpress.com/2011/06/big-corn2.gif</a></p>
<p>Related Video:</p>
<p><a href="http://www.youtube.com/watch?v=n4p0072GwjM" rel="nofollow">www.youtube.com/watch?v=n4p0072GwjM</a></p>
<p>Shortened Links:</p>
<p>This document contains links shortened using <a href="http://tinyurl.com" rel="nofollow">tinyurl.com</a> to<br />
facilitate emailing.  If you are concerned that we would use them to cloak<br />
phishing or malware, you should open them with this: <a href="http://longurl.org" rel="nofollow">longurl.org</a></p>
<p>###</p>
<p>THE IMPOTENCE OF ELECTIONS</p>
<p>Our Kleptocracy-controlled media focuses on America&#8217;s two-year election<br />
cycles as if who wins or loses was a matter of life or death, when in fact<br />
even at the Presidential level it makes no more difference than who wins on<br />
Monday Night Football, American Idol, Dancing With The Stars, or Hillbilly<br />
Handfishing.  U.S. elections are staged primarily to give Sheeple the<br />
illusion of control so they will (a) vent their frustrations and expend<br />
their energy, emotions and resources supporting or attacking the Puppet on<br />
the Left hand or the Puppet on the Right, and consequently (b) never<br />
recognize and challenge the common omnipotent Puppetmaster.</p>
<p>There was no real change in 2008.  There was no real change in 2010.  There<br />
WILL be real change in 2012, but it won&#8217;t be coming from tele-brainwashed<br />
couch potatoes, manipulated voter lists, rigged voting machines or<br />
predetermined ballot counts.  It will be coming from us&#8230;</p>
<p>The 99 Percent</p>
<p>###</p>
<p>I AM NOT ANONYMOUS. I AM AN AMERICAN.</p>
<p>I am not just a Consumer. I am a Citizen.</p>
<p>I will no longer be labeled Left or Right, Liberal or Conservative,<br />
Demopublican or Republocrat.</p>
<p>I will no longer follow Puppets labeled Left or Right, Liberal or<br />
Conservative, Demopublican or Republocrat.</p>
<p>I am the People. And I am coming for the Puppetmasters.</p>
<p>I am part of the 99 Percent. And I demand the following:</p>
<p>1. End the Fed.<br />
2. Reverse Citizens United.<br />
3. Repeal PATRIOT Act.<br />
4. Expose 9/11 Truth.<br />
5. End Profit Wars.<br />
6. Refund Taxpayer Trillions.<br />
7. Imprison the Kleptocrats.<br />
8. Single Term Limits.</p>
<p>Or, if these demands are not addressed promptly:</p>
<p>1. Regime Change.</p>
<p>###</p>
<p>WHY WE MUST END THE FED</p>
<p><a href="http://tinyurl.com/kleptocracytutorial" rel="nofollow">tinyurl.com/kleptocracytutorial</a></p>
<p>These GAO proposals are toothless, too little and too late:</p>
<p><a href="http://www.gao.gov/products/GAO-12-18" rel="nofollow">www.gao.gov/products/GAO-12-18</a></p>
<p><a href="http://www.gao.gov/products/GAO-11-696" rel="nofollow">www.gao.gov/products/GAO-11-696</a></p>
<p>###</p>
<p>LABELS (A POEM OF PROTEST)</p>
<p>&quot;Democrat&quot;, &quot;Republican&quot;,<br />
The parties of the system;<br />
Puppets both, for sale their votes,<br />
No character or wisdom.</p>
<p>&quot;Liberal&quot;, &quot;Conservative&quot;,<br />
For change or status quo?<br />
Pick either one, the change is none,<br />
All charlatans and whores.</p>
<p>Far &quot;Left&quot; we place the Anarchists,<br />
Libertarians claim far &quot;Right&quot;;<br />
Yet both decry the government:<br />
False continuum brought to light.</p>
<p>For oil, &quot;We&quot; bomb their mud huts,<br />
Strip them bare, then offer &quot;Aid&quot;;<br />
And fake their retribution as<br />
Pretext &#8211; a false flag raised.</p>
<p>Unarmed hundred thousands killed<br />
By weapons of &quot;Defense&quot;,<br />
While rights are lost for &quot;Freedom&quot; sake -<br />
On profit, all depends.</p>
<p>With stroke of pen, the &quot;Patriot&quot; Act,<br />
And patriots&#8217; gifts are taken;<br />
Then &quot;Citizens United&quot; leaves<br />
Our citizens forsaken.</p>
<p>We protest loss of liberties,<br />
Put &quot;World Wide Web&quot; to use;<br />
Cloudmark Authority censors us<br />
For &quot;messaging abuse&quot;.</p>
<p>They label us to finger-point,<br />
With labels, &quot;They&quot; deride us;<br />
Their labels keep us all at bay,<br />
For with labels, &quot;They&quot; divide us.</p>
<p>IronBoltBruce</p>
<p>###</p>
<p>JOIN THE GLOBAL REVOLUTION!</p>
<p>Occupy Wall Street/OWS:</p>
<p><a href="http://occupywallst.org/" rel="nofollow">occupywallst.org/</a></p>
<p>Occupy DC/Stop the Machine:</p>
<p><a href="http://october2011.org/" rel="nofollow">october2011.org/</a></p>
<p>Occupy Together:</p>
<p><a href="http://occupytogether.org/" rel="nofollow">occupytogether.org/</a></p>
<p>Take this Pledge:</p>
<p><a href="http://wp.me/p19dS3-9o" rel="nofollow">wp.me/p19dS3-9o</a></p>
<p>###</p>
<p>PLEASE HELP US STAY IN THIS FIGHT&#8230;</p>
<p>Freedom isn&#8217;t Free!  The revolution needs resources, folks:  Your donations<br />
will be used to pay our living and operating expenses so we can continue to<br />
devote our full time and attention to informing the People and exposing the<br />
Kleptocracy pulling all strings Left and Right.  Any amount you can spare<br />
will make a difference, so please click or go here today:</p>
<p><a href="https://www.wepay.com/donate/ironboltbruce" rel="nofollow">www.wepay.com/donate/ironboltbruce</a></p>
<p><strong>Great Egret (Ardea alba) on Morro Strand State Beach, CA</strong><br />
<img alt="free annual credit report" src="http://farm1.staticflickr.com/191/507188808_0341a0d9a5.jpg" width="400"/><br />
<i>Image by <a href="http://www.flickr.com/photos/72825507@N00/507188808">mikebaird</a></i><br />
This is a somewhat manipulated version of my Great Egret photo posted at <a href="http://flickr.com/photos/mikebaird/501821581/">flickr.com/photos/mikebaird/501821581/</a>  &#8211;  Great Egret (Ardea alba), Morro Strand State Beach, Morro Bay, CA 16may2007 &#8211; Canon 20D 100-400mm IS handheld &#8211; photo by Mike Baird bairdphotos.com &#8211; this &quot;manipulation&quot; was attempted because the horizon was not perfectly level in the original, and straightening the image would have clipped a bit of the top wing of the Great Egret&#8230; by comparing each image you can see where I have cloned pieces of the sky, water, and tips of the top wing and tips of the feet to complete the composition.  Comments welcome&#8230; Mike Baird  mike at mikebaird dot com\</p>
<p>To use this photo, see access, attribution, and commenting recommendations at <a href="http://www.flickr.com/people/mikebaird/#credit">www.flickr.com/people/mikebaird/#credit</a> &#8211; Please add comments/notes/tags to add to or correct information, identification, etc.  <i>Please, no comments or invites with badges, images, multiple invites, award levels, flashing icons, or award/post rules. </i>  Critique invited.</p>
<p>05 June 2008 Creative Commons usage note: Hi Mike, My name is Kenneth Jonsson.  I want to thank you so much and inform you about a music video I have made. Two of your (fantastic) images are in it. <a href="http://flickr.com/photos/mikebaird/2181766735/">flickr.com/photos/mikebaird/2181766735/</a>  <a href="http://flickr.com/photos/mikebaird/507188808/">flickr.com/photos/mikebaird/507188808/</a>  The Willet pic mainly and the Egret pic as a shadow.   Youtube clip here <a href="http://www.youtube.com/watch?v=9SrelA7kD3A" rel="nofollow">www.youtube.com/watch?v=9SrelA7kD3A</a> and  better resolution clip for download here <a href="http://www.adrive.com/public/433532addb6fa5c060520b8ac342302c7709ffb465028e669cb0898385583b79.html" rel="nofollow">www.adrive.com/public/433532addb6fa5c060520b8ac342302c770&#8230;</a><br />
Once again, Thanks. It&#8217;s such a pleasure to work with this truly amazing material.  best regards.  <a href="http://www.flickr.com/photos/24671917@N04/">Kenneth</a></p>
<p>09 June 2008 usage note: This image is one of six of mine that were used in a video under the Creative Commons Attribution License by artist Kenneth Jonsson  <a href="http://www.flickr.com/photos/24671917@N04/">www.flickr.com/photos/24671917@N04/</a> ,  kenny_is [at} yahoo d o t  com  <a href="http://youtube.com/user/fadernsonen" rel="nofollow">youtube.com/user/fadernsonen</a>  at <a href="http://youtube.com/watch?v=Zl4oHzEgq1U" rel="nofollow">youtube.com/watch?v=Zl4oHzEgq1U</a> and (high-res) <a href="http://adrive.com/public/9d069ed4500c879c86d4d035d682d38764a3efc5d6ad04b133fbca61ad82b737.html" rel="nofollow">adrive.com/public/9d069ed4500c879c86d4d035d682d38764a3efc...</a><br />
The six images used are:<br />
<a href="http://flickr.com/photos/mikebaird/507188808">flickr.com/photos/mikebaird/507188808</a><br />
<a href="http://flickr.com/photos/mikebaird/324317766">flickr.com/photos/mikebaird/324317766</a><br />
<a href="http://flickr.com/photos/mikebaird/501782892">flickr.com/photos/mikebaird/501782892</a><br />
<a href="http://flickr.com/photos/mikebaird/501819857">flickr.com/photos/mikebaird/501819857</a><br />
<a href="http://flickr.com/photos/mikebaird/2328444918">flickr.com/photos/mikebaird/2328444918</a><br />
<a href="http://flickr.com/photos/mikebaird/666135766">flickr.com/photos/mikebaird/666135766</a> </p>
<p>also used at <a href="http://www.youtube.com/watch?v=4GyqLnxd9TU&amp;sdig=1" rel="nofollow">www.youtube.com/watch?v=4GyqLnxd9TU&amp;sdig=1</a></p>
<p><a href="http://www.ourblogtemplates.com/2008/03/advice-on-promoting-blog.html" rel="nofollow">Creative Commons use at a blog</a></p>
<p>10 Match 2010 <b>EPA The Office of Wetlands, Oceans, and Watersheds (OWOW) to use this image as the cover for <a href="http://www.epa.gov/owow/org.html" rel="nofollow">their annual report</a></b>;  (approved) patriciascott61 has sent you a message on Flickr.<br />
Subject: Permission to use Egret Photo for epa<br />
Date: 10th March, 2010<br />
Hi Mike: I'm interested in using your egret photo for the cover of our Annual Report for 2009. I work for the Environmental Protection Agency's Office of Wetlands, Oceans and Watersheds. Here's the link to your image:<br />
<a href="http://www.flickr.com/photos/mikebaird/507188808">www.flickr.com/photos/mikebaird/507188808</a><br />
Can you let me know in writing if I have permission to use your photo? How do you want the photo credit?<br />
Can you please let me know today? Thanks!<br />
email is scott.patricia [at} epa d o t gov  phone is 202-566-1292</p>
<p><b>06 Oct 2010 Creative Commons use approved for California AAA </b><br />
I am pleased you will be using my &quot;Great Egret (Ardea alba) on Morro Strand State Beach, CA&quot; image in an upcoming AAA publication.  The image is sourced at<br />
<a href="http://www.flickr.com/photos/mikebaird/507188808/">www.flickr.com/photos/mikebaird/507188808/</a><br />
Login with a free ID there and you can see Action&gt; View-all-sizes to get to the 5400x3600 original at <a href="http://www.flickr.com/photos/mikebaird/507188808/sizes/o/">www.flickr.com/photos/mikebaird/507188808/sizes/o/</a><br />
to <a href="http://farm1.static.flickr.com/191/507188808_ddacd7376b_o.jpg" rel="nofollow">farm1.static.flickr.com/191/507188808_ddacd7376b_o.jpg</a><br />
<b> <a href="http://www.flickr.com/people/mikebaird/#credit">www.flickr.com/people/mikebaird/#credit</a> </b><br />
answers every question ever asked about using one of my photos under Creative Commons (CC) Attribution: How to attribute, access full-resolution versions, how to link back to the image page, and how to please comment on the image used linking to your use. &quot;Mike&quot; Michael L. Baird, mike [at} mikebaird d o t com; Bairdphotos.com  2756 Indigo Circle, Morro Bay, CA  93442<br />
<a href="http://flickr.bairdphotos.com" rel="nofollow">flickr.bairdphotos.com</a>  <a href="http://photomorrobay.com" rel="nofollow">photomorrobay.com</a> <a href="http://eysu.org" rel="nofollow">eysu.org</a><br />
iPhone (805) 704-2064 (primary #, text, voicemail); alt home (805) 772-2044.<br />
On Wed, Oct 6, 2010 at 11:27 AM, Glenn Silloway  wrote:  Hi Mike:  California AAA actually wants to highlight Morro Bay and the festival in an upcoming issue, and asked us for photos.  I downloaded your flying great egret (copy attached) and sent it to them -- they liked, but it's too small for their print needs.  Can you send them a suitable photo (they mentioned 4 X 6 at 300dpi)?  If yes, please send to bailey.april {at] aaa-calif d o t com and anderson.lori [at} calif-aaa d o t com.  I asked them in the first place to make sure to attribute to you and told them it was from Flickr with Creative Commons license.  If you need anything else, of course add it.  Thanks.  (please let me know whether/if you send this).  Glenn</p>
<p>22 June 2011 Creative Commons use note:<br />
I am a Project Editor with EF English First in Shanghai, an English as a Foreign Language company. We are currently developing a new set of textbooks for teenage learners and are planning to use your image <a href="http://www.flickr.com/photos/mikebaird/507188808/">www.flickr.com/photos/mikebaird/507188808/</a> in a unit about photography. The books should be released in mid 2012. We will try to get you a copy when it&#8217;s released.  Thanks for sharing your images!  Best, Jared Moore  Jared.Moore [at} ef d o t com</p>
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		<title>Personal Finance Course For Personal Money Management</title>
		<link>http://free-credit-reports-annual.com/free-annual-credit-report/personal-finance-course-for-personal-money-management/</link>
		<comments>http://free-credit-reports-annual.com/free-annual-credit-report/personal-finance-course-for-personal-money-management/#comments</comments>
		<pubDate>Sat, 21 Jan 2012 00:23:12 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Free Annual Credit Report]]></category>
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		<description><![CDATA[Personal Finance Course For Personal Money Management How To Stick To A Personal Budget Plan And Save Money For Retirement. Includes: Repairing Bad Credit, How To Pay Less Income Taxes, How To Set Up Ira, Sep, 401k, Or 403b With Money Management Course, Audios, Personal Budget Plan, And 2 Spreadsheets. Personal Finance Course For Personal [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Personal Finance Course For Personal Money Management</strong><br />
How To Stick To A Personal Budget Plan And Save Money For Retirement. Includes: Repairing Bad Credit, How To Pay Less Income Taxes, How To Set Up Ira, Sep, 401k, Or 403b With Money Management Course, Audios, Personal Budget Plan, And 2 Spreadsheets.<br />
<a rel="nofollow" href="http://maximumeco.LIAMJ85.hop.clickbank.net">Personal Finance Course For Personal Money Management</a></p>
<p><strong>Upgrade Your Car Stereo The Cheapest Way</strong><br />
How To Upgrade Your Car Stereo Without Digging A Big Whole In Your Wallet Ten Great Upgrade Tips<br />
<a rel="nofollow" href="http://maximumeco.CARSTEREO.hop.clickbank.net">Upgrade Your Car Stereo The Cheapest Way</a></p>
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		<title>Does anyone know how can i check my free credit score? If i already have my free annual credit report?</title>
		<link>http://free-credit-reports-annual.com/free-annual-credit-report/does-anyone-know-how-can-i-check-my-free-credit-score-if-i-already-have-my-free-annual-credit-report/</link>
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		<pubDate>Wed, 11 Jan 2012 12:31:46 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Free Annual Credit Report]]></category>
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		<description><![CDATA[Question by : Does anyone know how can i check my free credit score? If i already have my free annual credit report? I get my free credit report every year. I need to know how I can get my free credit score I&#8217;d appreciate any good answers someone can teach me, how to get [...]]]></description>
			<content:encoded><![CDATA[<p><strong><i>Question by </i>: Does anyone know how can i check my free credit score? If i already have my free annual credit report?</strong><br />
I get my free credit report every year. I need to know how I can get my free credit score I&#8217;d appreciate any good answers someone can teach me, how to get free credit score report.</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by michael k</i><br />Sorry.  All the FREE CREDIT SCORE ads I&#8217;v ever seen come with a catch.  You must sign up for credit monitoring, and it ain&#8217;t free.  THERE IS NO FREE LUNCH AFTER MOM QUITS MAKING IT.</p>
<p><strong>What do you think? Answer below!</strong></p>
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		<title>Q&amp;A: how do I get a free annual credit report?</title>
		<link>http://free-credit-reports-annual.com/free-annual-credit-report/qa-how-do-i-get-a-free-annual-credit-report/</link>
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		<pubDate>Tue, 20 Dec 2011 08:36:09 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Free Annual Credit Report]]></category>
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		<description><![CDATA[by dbking Question by Ted K: how do I get a free annual credit report? I&#8217;ve heard that you can get a free anuual credit report online. Is that true? and if so, which companies provide these free credit reports online? Best answer: Answer by xxwolffangJust go to freecreditreport.com easy, lol. I&#8217;ve seen the commercial [...]]]></description>
			<content:encoded><![CDATA[<div style="float:left;margin:5px;font-size:80%;"><img alt="free annual credit report" src="http://farm1.staticflickr.com/91/225532229_a7e076af38_m.jpg" width="160"/><br /> by <a href="http://www.flickr.com/photos/65193799@N00/225532229">dbking</a></div>
<p><strong><i>Question by Ted K</i>: how do I get a free annual credit report?</strong><br />
I&#8217;ve heard that you can get a free anuual credit report online. Is that true? and if so, which companies provide these free credit reports online?</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by xxwolffang</i><br />Just go to freecreditreport.com easy, lol.  I&#8217;ve seen the commercial like 1500 times.</p>
<p><strong>Give your answer to this question below!</strong></p>
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		<title>Escrimeur FORTE &#8211; Y8-Y14 Sabre/Foil</title>
		<link>http://free-credit-reports-annual.com/free-annual-credit-report/escrimeur-forte-y8-y14-sabrefoil/</link>
		<comments>http://free-credit-reports-annual.com/free-annual-credit-report/escrimeur-forte-y8-y14-sabrefoil/#comments</comments>
		<pubDate>Sat, 17 Dec 2011 04:34:12 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Free Annual Credit Report]]></category>
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		<description><![CDATA[Escrimeur FORTE &#8211; Y8-Y14 Sabre/Foil Event on 2012-04-22 00:00:00 Escrimeur Fencing Club: East Brunswick, NJ An annual tournament from the series of ESCRIMEUR events. SABRE AND FOIL YOUTH. SPECIAL PRIZE by the end of the season for those who took part in all ESCRIMEUR events! A NON-USFA competition. Registration is limitted! ESCRIMEUR FORTE &#8211; FROM [...]]]></description>
			<content:encoded><![CDATA[<p><strong><a href="http://eventful.com/eastbrunswick/events/escrimeur-forte-y8y14-sabrefoil-/E0-001-041373516-7?utm_source=apis&#038;utm_medium=apim&#038;utm_campaign=apic" rel="nofollow">Escrimeur FORTE &#8211; Y8-Y14 Sabre/Foil</a></strong><br />
<i>Event on 2012-04-22 00:00:00</i><br />
Escrimeur Fencing Club: East Brunswick, NJ </p>
<p> An annual tournament from the series of ESCRIMEUR events. SABRE AND FOIL YOUTH. SPECIAL PRIZE by the end of the season for those who took part in all ESCRIMEUR events! A NON-USFA competition. Registration is limitted! </p>
<p>  ESCRIMEUR FORTE &#8211; FROM THE SERIES OF ANNUAL ESCRIMEUR EVENTS. A <b>NON-USFA</b> COMPETITION.</p>
<p> SABRE AND FOIL YOUTH.</p>
<p> . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </p>
<p> CHECK THIS SITE PERIODICALLY PRIOR TO THE TOURNAMENT FOR ANY CHANGES. </p>
<p> ESCRIMEUR RESERVES THE RIGHT TO CHANGE THE TIMES AND THE FORMATS BASED ON THE PRE-REGISTRATIONS. CONTACT TOURNAMENTS@ESCRIMEUR.COM FOR MORE INFO.</p>
<p> . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </p>
<p> ESCRIMEUR YOUTH TOURNAMENT FROM THE SERIES OF ESCRIMEUR ANNUAL EVENTS. </p>
<p> SPECIAL PRIZE FOR THOSE WHO FENCE ALL ECRIMEUR ASKFRED EVENTS IN THEIR AGE GROUP BETWEEN SEPTEMBER AND AUGUST.</p>
<p> . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . </p>
<p><b>GENERAL</b></p>
<p> ESCRIMEUR is a state-of-the art fencing salle celebrates its new location in The Fields Sports Complex in East Brunswick, NJ. Lounge and change room, FREE Wi-Fi, FREE parking, vending machines with snacks and beverages, walking distance to convenience stores and post office.</p>
<p> This is <b>NOT</b> a sanctioned USFA competition, but is governed by the USFA rules. Open for youth from Y10 through Y14 age groups. All fencers must wear USFA-required fencing attire (proper shoes, tube socks, fencing knickers, plastron, chest guard for girls and epee fencers, jacket, functional lame, proper mask and proper gauntlet) and bring at least 2 working weapons and 2 working body cords.</p>
<p><b>FORMAT</b></p>
<p> &#8211; One round of pools with 100% promotion to Direct Elimination rounds. <br /> &#8211; Fence-off for third place;<br /> &#8211; Trophy awarded for 1st place and medals &#8211; for top 3 places. <br /> &#8211; Fencers are responsible for ensuring accuracy of all posted information and must report errors to the bout committee immediately. Fencer signature on pool score sheets and DE bout slip required.</p>
<p><b>FEES</b></p>
<p> &#8211;  if preregistered AND paid through FRED; preregistration closes 04/21/2012 at midnight<br /> &#8211;  for walk-ins without pre-registration</p>
<p> Payments made at the door must be in cash or check only &#8211; CREDIT CARDS WILL NOT BE ACCEPTED for payments at the door.</p>
<p><b>LIABILITY WAIVER</b></p>
<p> ** Upon entering this tournament you agree to abide by the current rules of the USFA and other applicable rules instituted by ESCRIMEUR. You acknowledge you are entering this tournament at your own risk and release the USFA and its sponsors, ESCRIMEUR, and referees from any liability. </p>
<p> With entry you give consent to ESCRIMEUR to obtain medical care from any licensed physician, hospital or clinic for any injury or illness that may arise during activities associated with this tournament. **</p>
<p><b>LOCATION</b></p>
<p> 8 Cornwall Court, East Brunswick, NJ (off CR 535/Cranbury Road southbound, across post office).</p>
<p><b>TOURNAMENT REFERENCE</b></p>
<p>http://www.fencing.net.s3.amazonaws.com/downloads/BeginnerGuide-Tournament.pdf<br /> (courtesy of Fencing.net)</p>
<p><b>ESCRIMEUR IS A PREMIER MEMBER OF USFA</b></p>
<p> Visit http://escrimeur.com or email to tournaments@escrimeur.com</p>
<p>at <a href="http://eventful.com/eastbrunswick/venues/fencing-club-escrimeur-at-raritan-valley-ym-/V0-001-000954360-4?utm_source=apis&#038;utm_medium=apim&#038;utm_campaign=apic" rel="nofollow">Fencing Club Escrimeur at Raritan Valley YMCA</a><br />
144 Tices Lane<br />
East Brunswick, United States</p>
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		<title>How do I get a free annual credit report?</title>
		<link>http://free-credit-reports-annual.com/free-annual-credit-report/how-do-i-get-a-free-annual-credit-report/</link>
		<comments>http://free-credit-reports-annual.com/free-annual-credit-report/how-do-i-get-a-free-annual-credit-report/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 16:22:32 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Free Annual Credit Report]]></category>
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		<description><![CDATA[Question by liane: How do I get a free annual credit report? I&#8217;ve heard that you can get a free anuual credit report online. Is that true? and if so, which companies provide these free credit reports online? Best answer: Answer by jc283https://www.annualcreditreport.com/cra/errorState?date=&#038;from=landing it&#8217;s best no to give card# Know better? Leave your own answer [...]]]></description>
			<content:encoded><![CDATA[<p><strong><i>Question by liane</i>: How do I get a free annual credit report?</strong><br />
I&#8217;ve heard that you can get a free anuual credit report online. Is that true? and if so, which companies provide these free credit reports online?</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by jc283</i><br />https://www.annualcreditreport.com/cra/errorState?date=&#038;from=landing</p>
<p>it&#8217;s best no to give card#</p>
<p><strong>Know better? Leave your own answer in the comments!</strong></p>
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		<title>Can I recheck my free annual credit report?</title>
		<link>http://free-credit-reports-annual.com/free-annual-credit-report/can-i-recheck-my-free-annual-credit-report/</link>
		<comments>http://free-credit-reports-annual.com/free-annual-credit-report/can-i-recheck-my-free-annual-credit-report/#comments</comments>
		<pubDate>Fri, 05 Aug 2011 06:42:06 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Free Annual Credit Report]]></category>
		<category><![CDATA[annual]]></category>
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		<description><![CDATA[Question by Estebanico: Can I recheck my free annual credit report? I went online to the annualcreditreport website to request my free credit reports for the three agencies. This was around August last year in my local library. However, when I was starting to check some items in my first report, the library system crashed [...]]]></description>
			<content:encoded><![CDATA[<p><strong><i>Question by Estebanico</i>: Can I recheck my free annual credit report?</strong><br />
I went online to the annualcreditreport website to request my free credit reports for the three agencies. This was around August last year in my local library. However, when I was starting to check some items in my first report, the library system crashed and I was unable to see my reports once it was fixed. If I try the annual credit report website today, am I going to be able to see at least the two reports I missed?</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by AM-NM centaur</i><br />Some of those sites give you a password so you can return within 30 days to view your report again and again just for this very reason. I think it is just a little bit past your 30-day limit now.</p>
<p>I spread my reports out over 4-month intervals, viewing one agency at a time.</p>
<p><strong>Give your answer to this question below!</strong></p>
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		<title>Classification: Controller Compensation: $81,818.99 to</title>
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		<pubDate>Sun, 24 Jul 2011 16:04:51 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Free Annual Credit Report]]></category>
		<category><![CDATA[$81818.99]]></category>
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		<description><![CDATA[Classification: Controller Compensation: ,818.99 to counterparts and reports directly to the Chief Financial Officer. Key Duties &#38; Responsibilities: Oversee Price: Location , USA Tweet news and informations&#160;automotive,business,crime,health,life,politics,science,technology,travelautomotive,business,crime,health,life,politics,science,technology,travel]]></description>
			<content:encoded><![CDATA[<p><strong><a href="http://jobs.oodle.com/u_a2xx_/2828085204-2241u578,304-82BE02FC6266/jobs.oodle.com___3gwMpw641M35FPpPvJgjgTLhh_6eYGDCIxr2tJnq3e8WWolH-hGA_Cc8TuATlhv0jrBnnKvEx8we37t4KkTR8Ti5VnKHo0nyTPtEz_2eHe6QXHhUaEvG5VyhFrrYq7EG" rel="nofollow">Classification: Controller Compensation: ,818.99 to</a></strong></p>
<p> counterparts and reports directly to the Chief Financial Officer.</p>
<p>Key Duties &amp; Responsibilities:<br />
Oversee</p>
<p><strong>Price: </strong></p>
<p><strong>Location</strong></p>
<p> , USA</p>
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		<title>Santa Clara County Federal Credit Union Position Summary:</title>
		<link>http://free-credit-reports-annual.com/free-annual-credit-report/santa-clara-county-federal-credit-union-position-summary/</link>
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		<pubDate>Sat, 16 Jul 2011 13:20:01 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Free Annual Credit Report]]></category>
		<category><![CDATA[Clara]]></category>
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		<description><![CDATA[Santa Clara County Federal Credit Union Position Summary: Santa Clara County Federal Credit Union Position details: Responsible for applying accounting Price: Location , USA Tweet news and informations&#160;automotive,business,crime,health,life,politics,science,technology,travelautomotive,business,crime,health,life,politics,science,technology,travel]]></description>
			<content:encoded><![CDATA[<p><strong><a href="http://jobs.oodle.com/u_a2xx_/2828077660-2241u578,304-82BE02FC6266/jobs.oodle.com___sB0JI_v9Bhr5FPpPvJgjgTLhh_6eYGDCZKI8kIIEfUCDR28z1UUU-4xfy_Myz0tCS7-nNeqHfW0B3Yz8d-l6L2ot0daqJaJJlW4us4fEEN2qJJGlTx4aovptYC3VhSkO" rel="nofollow">Santa Clara County Federal Credit Union Position Summary:</a></strong></p>
<p>Santa Clara County Federal Credit Union</p>
<p> Position details: </p>
<p>Responsible for applying accounting</p>
<p><strong>Price: </strong></p>
<p><strong>Location</strong></p>
<p> , USA</p>
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		<title>Would it count as an inquire when you order your free annual credit report?</title>
		<link>http://free-credit-reports-annual.com/free-annual-credit-report/would-it-count-as-an-inquire-when-you-order-your-free-annual-credit-report/</link>
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		<pubDate>Fri, 24 Jun 2011 03:02:50 +0000</pubDate>
		<dc:creator>cyberandy</dc:creator>
				<category><![CDATA[Free Annual Credit Report]]></category>
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		<description><![CDATA[Question by valeri: Would it count as an inquire when you order your free annual credit report? I would like to get my free credit report, I heard that you have the right to get one once a year, Would it count as an inquire when you order your free annual credit report?&#8230;I already have [...]]]></description>
			<content:encoded><![CDATA[<p><strong><i>Question by valeri</i>: Would it count as an inquire when you order your free annual credit report?</strong><br />
I would like to get my free credit report, I heard that you have the right to get one once a year, Would it count as an inquire when you order your free annual credit report?&#8230;I already have lots of inquires.</p>
<p>Thank you</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by ontheroadto1m</i><br />When you access your own credit report, this is called a &#8220;soft inquiry&#8221;. On the other hand, if it&#8217;s a lender who requests your credit score, that&#8217;s a &#8220;hard inquiry&#8221;. Only hard inquiries count towards the computation of your credit score.</p>
<p>For a comprehensive explanation of credit scores, check this book I recommended in one of my blog&#8217;s posts:</p>
<p>http://ontheroadto1m.wordpress.com/2009/05/17/your-credit-score</p>
<p><strong>Know better? Leave your own answer in the comments!</strong></p>
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