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HOW TO LEGALLY ERASE BAD CREDIT

INTRODUCTION

It is the purpose of this report to teach you how to obtain a copy of your Consumer

credit report and to remove such things as judgments, late payments, liens, or anything

that is untrue or unfair from such reports, thereby improving your consumer credit rating.

WHAT IS CREDIT?

The average American has a better understanding of General Motors than he or she does about their credit rating. Credit is used every day by millions of Americans, yet most do not have the faintest idea how our credit system really works. Most people only know that they can pull out a plastic credit card and buy something that they don't have the cash to pay for.

The dictionary defines credit as financial trustworthiness. Time given for payment for goods SOLD ON TRUST!

Actually, the credit system we now use is as old as the business world itself. The trend of today that we see advertised everywhere is: "BUY NOW AND PAY LATER." It is this philosophy that has caused millions of Americans to live from payday to payday, or from payment to payment!

Credit has been extended whenever goods are sold, or where services have been

rendered and immediate payment of cash has NOT been made. The principle of credit is

the same, whether the corner grocery store owner lets a patron "put it on the tab" until

payday, or an executive takes a $5,000 cash advance from his American Express(TM)

GOLD CARD!

What do you think would happen to the grocery store customer if when payday came

around he DID NOT pay his bill as promised? Well, the grocer might give him more

time, but chances are the grocer would no longer extend credit to such a customer. He

would no longer be allowed to purchase his groceries "ON CREDIT!"

The same situation is true for the executive if he fails to pay his obligation for the $5,000

cash advance. His credit rating would be damaged, and that would make it very difficult

for him to obtain a new credit card from American Express(TM) if he did not first clear

up the debt that he owed.

With these examples in mind, if the grocer was stuck with a large unpaid bill, he would

go around the neighborhood and tell all the other merchants that Mr. X "burned" him,

and is NOT good credit risk. From that point on, none of the other merchants in town

will give Mr. X any credit!

American Express(TM) would be faced with the very same problem. How would they

inform other corporations that Mr. Executive is a poor credit risk? And how would

American Express(TM) be able to obtain information on other clients who are applying

for them for the credit for the first time?

The following pages will explain in more detail how credit is established and how you

can investigate and improve your PERSONAL CREDIT REPORT. Be sure to read each

sentence CAREFULLY as your credit is your FUTURE BUYlNG POWER. More

important, your credit is your name!

Before you go on reading this report ask yourself one good question. How much is it

worth to you to have GOOD CREDIT? The answer is simple. Good credit in our society

is virtually ''PRICELESS !" If your credit is not good, you will be severely handicapped in

almost any financial endeavor you wish to accomplish. Because of these facts, the very

small price which you paid for this financial report and credit guide is going to prove to

be one of the best investments you've ever made!

Throughout this material we will show you a simple and legal way to develop a AAA

credit reputation no matter what your past credit shows this very moment. Regardless

of your present credit rating, whether it reflects no credit, slow credit, or simply bad

credit, or EVEN if you filed bankruptcy... YOU CAN START AGAIN! You can be one of

the more fortunate individuals in the United States who holds GOOD CREDIT! You need

it! You deserve it! And NOW you can have it!

HOW CREDIT REPORTING AGENCIES WORK

As credit increased throughout the country, there arose a great need to issue reports

concerning those who are NOT a good credit risk as well as those who are CREDIT

WORTHY! Because of this great need, credit reporting agencies were formed several

years ago. These agencies, known as credit bureaus, receive information about

consumers from banks, loan companies, credit card companies, department stores, as

well as from other credit and lending sources. Credit bureaus earn their profits by giving

a computer printout showing a financial and credit profile of any individual (such as you

or I). These reports are requested by a lender or a credit issuing firm from which you

have requested credit.

Lenders will base their acceptance or rejection of your application for credit based on

the information about you in your personal credit report. If your credit report shows that

you have been reliable in the past, then in most cases credit will be granted. What if

your report shows that you have NOT been reliable in the past? Perhaps you have been

like others in this country who have encountered circumstances beyond your control

which made it IMPOSSIBLE for you to meet your credit obligations. What if your credit

report shows that you defaulted on a particular account or were constantly LATE

making payments? This of course can be most embarrassing, and usually leads to

CREDIT DENIAL!

There are over 2,500 credit reporting agencies in the United States. These agencies sell

information about you to BANKS, DEPARTMENT STORES, CREDIT CARD

COMPANIES, LOAN COMPANIES, etc.

These credit bureaus keep on file information concerning you and your credit, but they

do not make any final judgments as to your credit worthiness. The decision is up to

the lender which you have dealt with to decide and report to the credit bureau.

When you receive a copy of your credit profile, you may find some of the following

information in your report. Your occupation, place of employment, income status,

residence record, marital history, court and arrest records, and most important, details

on payments of your past and present bills and loans.

You have the ABSOLUTE RIGHT to know what is in your consumer credit report!

Because it is YOUR personal credit file, you should want to know what information the

credit bureau is giving out concerning your good name and your credit!

Most people have thought, and still think, that if they have an unfavorable credit report or

history that there is NO WAY to change it, and if they want to obtain NEW CREDIT that

it's impossible! DON'T BELIEVE IT! You can change your credit report for the better.

You can change and correct any and all OUTDATED, or INCORRECT INFORMATION

that YOU choose! Remember, it's up to you! No one will do it for you! The first step in

correcting information on your report is to obtain a copy of your personal credit profile.

HOW TO OBTAIN A COPY OF YOUR PERSONAL CREDIT REPORT

You have already learned how this credit information has been gathered, rated and

placed on file for credit reporting. You can obtain a copy of this report just like a regular

consumer would - after all, it's your report.

There are many different credit reporting agencies in business today, and there is one in

every community. First, this discussion will be limited for simplification, to one of the

largest NATIONAL companies, TRW, INC. Second, the discussion will include limited

information concerning contacting the LOCAL credit reporting agency in YOUR area.

To evaluate your personal credit profile, you must obtain a copy of it. You may obtain a

copy of your personal credit report by writing to: TRW, INC., Post Office Box 271,

Parsippany, New Jersey 07054. Include the following information with your request:

1. Full Name

2. If married, include spouse's name

3. Your Social Security Number

4. Your present address/previous addresses within the past 5 years

5. Your date of birth

6. A check for $10 plus your SIGNATURE on the letter

You may wish to call your LOCAL credit bureau as well. Look in your local yellow

pages under Credit Reporting Agencies. Call up to find out mailing addresses and fees

to obtain your report.

By the way, if you have been refused credit within the past 30 days and one of the

reasons for the rejection was an "unfavorable" credit report, you have certain rights

under the law.

You first have the right to know which credit reporting agency was used to obtain the

report. You also have the right to CONTACT the agency and find out exactly what

criteria on your report has caused the rejection You also have the right to obtain this

information FREE OF CHARGE if you have been denied credit Within THE PAST 30

DAYS!

Because with almost every important financial move that you make a credit report is

involved, it is very important that you be concerned with what your credit report says

regarding YOU AND YOUR CREDIT!

HOW TO CORRECT ERRORS IN YOUR PERSONAL REPORT

After you have received your personal reports, determine the status of your credit file.

You should attempt to remove ALL unfavorable information using the methods outlined

herein.

Not all of your credit history is contained in either of the two firm's files. Some

information may be duplicated, or not included in the other file. Your name and Social

Security number are used for identification. Current and previous addresses, spouse's

name, and date of birth are used for further identification. The credit information includes

the merchants names, the subscriber number, credit account number, date opened,

date closed, highest credit limit, highest amount of credit used, and repayment history.

The last item is encoded into numbers, with a series of ones indicating perfect

repayment.

After you have received your personal reports, determine the status of your credit file.

You should attempt to remove ALL unfavorable information using the methods outlined

herein.

The following descriptions are used to indicate payment history:

- Current Account - account open or closed in GOOD STANDING

- Inquiry - your credit information was requested by this firm or store

- Closed Account - credit account closed

- Paid Account - closed account or zero balance

- Credit Account Reinstated - previously closed account NOW AVAILABLE FOR USE

- Judgment - lawsuit against you... and NOT PAID

- Charge-Off - credit amount can not be collected

- Repossession - charged item returned to merchant

- Foreclosure - collateral sold to collect defaulted mortgage

- Collection Account - credit account assigned to collection agency

When you receive your report examine it VERY CAREFULLY. Make certain that all

information is current and accurate. If you find any error (for example, a loan that you

have PAID OFF is still listed as outstanding), you can take immediate action to correct

the error. You must write out EXACTLY what the mistake is, and explain the way that

the information SHOULD be listed. For example, "Loan XYZ is NOT outstanding. It was

paid in full on 10/31/8l." Send photocopies along with all pertinent information to

substantiate your claim.

If you receive a computer printout of your credit file, there should be a space (Usually on

the right-hand side of the report) in which you may PROTEST any item in your report

that you feel is INCORRECT. After you have done this, make a photocopy, sending one

copy back to the bureau by "CERTIFIED MAIL." When the credit bureau receives your

report and the information in question, they are required to investigate and ADVISE

YOU of the results of their investigation. There is NO CHARGE for this investigation!

YOU HAVE CREDIT RIGHTS! Due to the Fair Credit Reporting Act passed in 1971!

Anytime that you are denied credit, you now have the right to know why you were

turned down! If, for instance, you are turned down for a charge account at a store, you

will receive a statement from the store stating that you were denied credit and their

reason for the denial. If their reason has anything to do with the fact that the store used

a credit reporting agency, they must provide you with the name and address of the

agency that supplied them with the report. If this should happen to you, you should

make an appointment within 30 days to visit the credit agency, so that you can review

your report and find out what information in it is causing you to be DENIED CREDIT. I

suggest that you always VISIT the credit bureau. Men should always wear a tie and

jacket, and women should dress conservatively as well. It is very important to look

professional and businesslike. It is also good to bring a friend along so that they can be

witness whatever is said. Do not let the representative of the credit bureau confuse, or

upset you in any way. If there is ANYTHING that you do not understand, ask to have it

explained again.

If there is any information in that report that is not true, or if you want to dispute any

information on it, don't be afraid to do so. If the agency is wrong on any item on your

credit report or file, DEMAND a correction. By law, the company MUST investigate...

many bureaus will even try to make the correction "on the spot?!"

If for some reason you cannot PROVE that the item is in error or if you are having a

disagreement with a certain creditor, you have the RIGHT to tell your side of the story in

100 words or less! This will be ADDED to your report. Often, creditors who see that you

have taken the time and effort to dispute an item in your credit file will NOT include it in

credit worthiness. This can be VERY HELPFUL to you.

Many bureau representatives will even help you word your statement. Be sure to use

this rule to your ADVANTAGE!

After making any corrections on your report, you have the RIGHT to DEMAND that the

credit bureau send corrected copies of your report to ALL CREDITORS who have

received the incorrect reports for the LAST 6 MONTHS !

PLEASE NOTE: The credit bureaus WILL NOT do this automatically! - ONLY WHEN

ASKED! - So make sure it gets done PRONTO!

If, when looking over your report, you notice that it is missing a few POSITIVE items

that you recall, you may want to invest some money to upgrade your report. Some

credit bureaus will call creditors you name as FAVORABLE to you. If the information

that you give turns out to be TRUE, the item will be ADDED to your report. There are

small fees of $2 to $5 per item, but this small fee could be well worth it to you.

HOW TO ERASE "BAD CREDIT" FROM YOUR CREDIT REPORT

Past credit experience which shows delinquent payments, lawsuits, collection and

bankruptcy is most definitely UNFAVORABLE on your credit report. Even with several

other open accounts in good standing, the unfavorable information can be a cause of

credit DENIAL when applying for new credit.

Incorrect and unverifiable information can be removed legally with the assistance of the

credit reporting agency on whose files the unfavorable information appears. To do this

you must contact the respective agency and tell them that you wish to dispute the

particular information that you feel is injurious to your credit history. Legally, they must

write for confirmation of the information to the source that is reporting it. If NO

CONFIRMATION is received by the agency within 14 days... the information in question

MUST BE DELETED from your file! - and an updated credit report will be mailed to you

for verification!

Utilizing this method will eliminate most of the unfavorable information on your credit file,

particularly that which is more than one year old, or if the disputed amount is under

$500. Any remaining information after the first attempt can usually be removed by

subsequent attempts, at one month intervals. Remember, keep on trying over and over

again - PERSISTENCE DOES PAY OFF!

If there is any unfavorable information remaining on your credit file, you should add a

statement to your file that DISPUTES this information. Remember, the credit agencies

MUST add such a statement, PROVIDING YOU REQUEST IT! If possible, you may

resolve the problem with the creditor in question. If so, have the creditor contact the

credit agency FOR YOU.

Shocking Do-It-Yourselfer

In the fine state of Colorado, Charles was busy setting up a new masonry fence when he had the brilliant idea of setting up his own electric fence to protect his yard and keep the dogs in. Charles, unfortunately, was not an electrician, but he had watched some TV programs about the topic.

Charles hooked up the fence with an extension cord and some wires and that was that. Later on, he was apparently working in his new garden and managed to grab one of the exposed wires and electrocuted himself. Why? Regular household current is not suitable for electric fences. Fences are regulated with a complex series of safety features and power controls. This allows animals and people to touch the fence and just get a shock without getting electrocuted. How specifically does this work? How would I know? I'm no electrician!

If you want something done right, call someone who knows how to do it!

- Michael Vincent

BUSINESS MANAGEMENT 101

13 Leadership Principles of General Colin Powell (Startup)

by Geoff Steck

GENERAL COLIN POWELL, when he led the U.S. armed forces as Chairman of the Joint

Chiefs of Staff, said that humanity and a taste for hard work are more important than

intelligence and self-fulfillment. His skilled, self-assured leadership made him one of the

most respected figures in the complex worlds of both warriors and politicians.

Now active in civilian life, Colin Powell continues to live his life by 13 rules that he

collected over the years. It's been reported that he kept these written down on a small

white card labeled "Colin Powell's Rules." Many of his admirers in the Pentagon kept

copies at their desks or in their wallets. You might want copies for you and your staff.

Colin Powell's Rules

1). It ain't as bad as you think it is. It will look better in the morning.

2). Get mad, then get over it.

3). Avoid having your ego so close to your position that, when your position

falls, your ego goes with it.

4). It can be done!

5). Be careful what you choose. You may get it.

6). Don't let adverse facts stand in the way of a good decision.

7). You can't make someone else's choices. You shouldn't let someone else

make yours.

8). Check small things.

9). Share credit.

10). Remain calm. Be kind.

11). Have a vision. Be demanding.

12). Don't take counsel of your fears or nay Sayers.

13). Perpetual optimism is a force multiplier.

IMAGINE GOING THROUGH LIFE NOT KNOWING THAT:

(Special thanks to: Dave "Doc' McCall "Enjoy as I did"! For the next section:)

1. A Saudi Arabian woman can get a divorce if her husband

doesn't give her coffee.

2. A shark can detect one part of blood in 100 million parts of

water.

3. A rat can last longer without water than a camel.

4. Your stomach has to produce a new layer of mucus every two

weeks otherwise it will digest itself.

5. The dot over the letter 'i' is called a tittle.

6. A raisin dropped in a glass of fresh champagne will bounce

up and down continually from the bottom of the glass to the top.

7. A person cannot taste food unless it is mixed with saliva.

8. A male emperor moth can smell a female emperor moth up to 7

miles away.

9. George Washington grew marijuana in his garden. Why?

10. A giraffe can clean its ears with its 21-inch tongue!

Yuck!

12. 40% of McDonald's profits come from the sales of Happy

Meals.

13. Every person has a unique tongue print.

14. During the chariot scene in 'Ben Hur' a small red car can

be seen in the distance.

15. Einstein couldn't speak fluently when he was nine. His

parents thought he might be retarded.

16. On an average, 12 newborns will be given to the wrong

parents daily. Gives you the willies, doesn't it?

17. Warren Beatty and Shirley MacLaine are brother and sister.

18. Chocolate kills dogs! True, chocolate affects a dogs heart

and nervous system, a few ounces is enough to kill a small

sized dog.

19. Money isn't made out of paper, it's made out of cotton.

Before the 1950's it was made from Hemp. The stem and leaves of a

marijuana plant.

20. Most lipstick contains fish scales. Now I REALLY want to

wear it!

21. Orcas (killer whales) kill sharks by torpedoing up into the

shark's stomach from underneath, causing the shark to explode.

I'll try that the next time I'm in the water with a shark!

22. Donald Duck comics were banned from Finland because he

doesn't wear pants.

23. Ketchup was sold in the 1830's as medicine.

24. Leonardo Da Vinci could write with one hand and draw with

the other at the same time.

25. The number of possible ways of playing the first four moves

per side in a game of chess is 318,979,564,000.

26. Both Hitler and Napoleon were missing one testicle. And

this means....???

27. Upper and lower case letters are named 'upper' and 'lower'

because in the times when all original print had to be set in

individual letters,the 'upper case' letters were stored in the upper

case on the shelf.

28. There are no clocks in Las Vegas gambling casinos.

29. There are no words in the dictionary that rhyme with:

orange, purple and silver.

30. The numbers '172' can be found on the back of the U.S. $5

dollar bill in the bushes at the base of the Lincoln Memorial.

31. Leonard Da Vinci invented the scissors, also, it took him

10 years to paint Mona Lisa's lips. Is this considered patience or

stupidity?

32. Bruce Lee was so fast that they actually had to SLOW a film

down so you could see his moves. That's the opposite of the norm.

33. Bubble gum contains rubber.

34. Human birth control pills work on gorillas.

35. The first CD pressed in the US was Bruce Springsteen's

'Born in the USA.'

36. By raising your legs slowly and laying on your back, you

can't sink in quicksand.

37. Cat's urine glows under a black light.

38. Celery has negative calories! It takes more calories to

eat a piece of celery than the celery has in it to begin with.

39. Chewing gum while peeling onions will keep you from crying.

40. The Guinness Book of Records holds the record for being the

book most often stolen from Public Libraries.

(Special thanks to: Dave "Doc' McCall "Enjoy as I did"! For the next section:)

CLICK THE PIC TO LEARN "WHO IS THIS GUY?"

If you yelled for 8 years, 7 months and 6 days, you would have produced enough sound energy to heat one cup of coffee.

(Hardly seems worth it)

If you fart consistently for 6 years and 9 months, enough gas is produced to create the energy of an atomic bomb.

(Now that's more like it)

A pig's orgasm lasts for 30 minutes.

(In my next life I want to be a pig)

Banging your head against a wall uses 150 calories an hour.

(Still not over that pig thing)

Humans, bonobo chimps, and dolphins are the only species that have sex for pleasure.

(Is that why Flipper was always smiling?)

The strongest muscle in the body is the tongue.

(No comment)

Right-handed people live, on average, nine years longer than left-handed

people do.

(If you're ambidextrous do you split the difference?)

The ant can lift 50 times its own weight, can pull 30 times its own

weight, and always falls over on its right side when intoxicated.

(From drinking little bottles of ...?)

(Did the Gov. pay for this research??)

Polar bears are left handed.

(Who knew...? Who cares)

(Now you know... Bet you still don't care)

The catfish has over 27,000 taste buds.

The flea can jump 350 times its body length.

(It's like a human jumping the length of a football field.)

A cockroach will live nine days without its head, before it starves to

death.

(Creepy)

The male praying mantis cannot copulate while its head is attached to its

body. The female initiates sex by ripping the male's head off.

(Honey, I'm home. What the....)

Some lions mate over 50 times a day.

(In my next life I still want to be a pig...quality over quantity.)

Butterflies taste with their feet.

(Oh, jeez)

An ostrich's eye is bigger than it's brain.

(I know some people like that.)

Starfish don't have brains.

(I know some people like that too)

After reading all these, all I can say is...Damn Pigs!

Happy Columbus Day

We will celebrate Columbus Day to honor

Christopher Columbus, who landed on San Salvador in 1492. People in

parts of Canada, Puerto Rico, and Central and South America will, too --

it's the only non-religious holiday to span these countries.

A federal holiday since 1971, Columbus Day had a fitful beginning. A

dinner to honor Columbus was held in New York in 1792, and Italians in

New York threw the first celebration in 1866. The first event to Really

draw attention to Columbus, though, was the World's Colombian

Exposition of 1892, also known as the Chicago World's Fair. Now, we

celebrate Columbus Day the second Monday of each October, in honor of

the October 12th discovery that eventually led to our country's founding.

What to do when a condom tears

Damage control for a very bad break

It's a horrifying moment: The condom in which

you've just entrusted your future has busted a

leak.

Here's the crisis plan to help avoid sexually

transmitted diseases and unwanted pregnancies.

1. Wash immediately.

Share the news and hit the shower. "Wash

yourself with soap and water," says James

Trussell, Ph.D., expert on emergency

contraception at Princeton University. No studies

have shown that soap destroys STDs, "but it

won't do any harm, and it might do some good."

2. Show concern.

Gently ask her to (a) inspect herself for condom

bits, (b) refrain from douching, as that can push

in microbes, and (c) use emergency contraception

pills.

If taken fewer than 72 hours after intercourse,

they can prevent pregnancy. She can get them

from her doctor or call Planned Parenthood at

1-800-230-PLAN. Visit www.teenwire.com, for

more information.

3. Talk about history.

Before you even consider having sex with a girl,

you should talk about history -- not "War of

1812" kind of history, but how many sexual

partners she has been with.

If she is infected, and the condom breaks, your

risk for getting a sexually transmitted disease

ranges from 50 percent for gonorrhea to 0.2

percent for HIV.

Should your condom break, have another chat

with her about previous sex partners and

diseases. "If you're concerned about STDs, see

your doctor and get tested within a few days,"

says Jonathan Zenilman, MD, of the Johns

Hopkins University STD Research Group.

If you know you were exposed to HIV, ask your

doctor about a combination anti-HIV drug

treatment. This measure is expensive,

controversial and unproved, but it may be your

only recourse.

4. Troubleshoot.

Did you use an expired condom or an oil-based

lubricant? Maybe you nicked the condom with a

fingernail while putting it on. Whatever the

cause, eliminate it.

A study published in the American Journal of

Public Health showed that men who experienced

a condom break or slip were twice as likely to do

so again.

E-Mail Subject: Chinese Bile Bears

This chain letter actually contains actual information, but

is a useless pull on the heartstrings producing no results,

except to clog of Net traffic. This e-mail contains

information about the Asian Black bear (a.k.a. "moon bear)

and the "milking" of their bile for use in traditional

natural remedies. The plight of the bear is unimaginably

cruel and barbaric. The extracted bile is medicinally

useless, and the pain and suffering of the bear is

unacceptable.

However, the point of the letter is to get you to sign a

petition and pass it on. This is where the letter loses is

credibility as a genuine source of a solution. Chain letter

petitions are useless and annoying. At best, they might

make the reader aware of the problem, but then the reader,

thinking they are affecting change, "signs" the document

and passes it on.

If you are interested in actually making changes, do not do

it via chain letters. Identify an organization that will

effectively perpetuate positive change for your personal

cause. After researching the topic and organization,

contact them directly. This will better assist the cause

for which you have feelings. Chain letters are useless

drivel best left in your delete bin.

- Michael Vincent

Chamomile (Matricaria recutita)

The dried flowers of the perennial

chamomile plant

Used for: Upset stomach, Heartburn, indigestion, colic, acid reflux,

Use as a relaxant; it has mild sedative properties

Ginkgo (Ginkgo biloba)

from dried leaves of the ginkgo tree

Used for: Insufficient blood flow, low circulation, Mental fuzziness,

symptoms of Alzheimer's disease, Memory loss, Vertigo, ringing in ears

Click Here To Learn More!

Chasing The Cheese!

On the majestic Cooper's hill in lovely and stately

England, hundreds of people gather every year for the

annual "Cheese Roll" event. The idea is to roll a 17-LB

cheese wheel down a hill. Contestants can then chase the

wheels in an attempt to catch them. If you manage to catch

the wheel, you can keep it. Nice, huh?

Problem! The hill is very steep, and injuries are common --

not just from people being hit by rolling cheese, but from

just falling and tumbling down a very steep slope. Several

contestants have required hospitalization for their

injuries. So, for a large denomination of money spent

recovering from severe debilitating injuries, you can have

a roll of cheese that you cannot eat because you have NO

TEETH LEFT!!!!

- Michael Vincent

Humanity At Work!

Everything happens for a Reason.....

In Brooklyn, New York, Church is a school

that caters to learning disabled children.

Some children remain in Churh for their

entire school career, while other can be

mainstreamed into conventional schools.

At a Churh fundraising dinner, the father

of a Churh child delivered a speech that would

never be forgotten by all who attended.

After extolling the school and its dedicated

staff, he cried out, "Where is the perfection

in my son, Shay? Everything God does is done

with perfection. But my child cannot understand

things as other children do. My child cannot

remember facts and figures as other children

do. Where is God's perfection?"

The audience was shocked by the question,

pained by the father's anguish and stilled by

the piercing query.

"I believe," the father answered, " that when God

brings a child like this into the world, the

perfection that he seeks is in the way people react

to this child."

He then told the following story about his son Shay:

One afternoon, Shay and his father walked past a park

where some boys Shay knew were playing baseball.

Shay asked, "Do you think they will let me play?"

Shay's father knew that his son was not at all

athletic and that most boys would not want him on

their team. But Shay's father understood that if

his son was chosen to play it would give him a

comfortable sense of belonging. Shay's father approached one of

the boys in the field and asked if Shay could play.

The boy looked around for guidance from his

teammates. Getting none, he took matters into his own hands

and said, "We are losing by six runs and the game

is in the eighth inning. I guess he can be on our

team and we'll try to put him up to bat in the ninth

inning."

Shay's father was ecstatic as Shay smiled broadly.

Shay was told to put on a glove and go out to play

short center field. In the bottom of the eighth

inning, Shay's team scored a few runs but was still behind by

three.

In the bottom of the ninth inning, Shay's team

scored again and now with two outs and the bases

loaded with the potential winning run on base

Shay was scheduled to be up. Would the team

actually let Shay bat at this juncture and give away

their chance to win the game?

Surprisingly, Shay was given the bat. Everyone knew

that it was all but impossible because Shay didn't

even know how to hold the bat properly, let

alone hit with it. However, as Shay stepped up to

the plate, the pitcher moved up a few steps to lob

the ball in softly so Shay should at least be able to

make contact.

The first pitch came and Shay swung clumsily and

missed. One of Shay's teammates came up to Shay

and together they held the bat and faced the pitcher

waiting for the next pitch.

The pitcher again took a few steps forward to toss

the ball softly toward Shay. As the pitch came in,

Shay and his teammate swung at the ball and together

they hit a slow ground ball to the pitcher.

The pitcher picked up the soft grounder and could

easily have thrown the ball to the first baseman. Shay would

have been out and that would have ended the game.

Instead, the pitcher took the ball and threw it on a

high arc to right field, far beyond reach of the

first baseman.

Everyone started yelling, "Shay, run to first. Run to

first."

Never in his life had Shay run to first. He scampered

down the baseline wide-eyed and startled. By the time

he reached first base, the right fielder had the

ball. He could have thrown the ball to the second baseman who

would tag out Shay, who was still running. But the

right fielder understood what the pitcher's intentions

were, so he threw the ball high and far over the third

baseman's head.

Everyone yelled, "Run to second, run to second." Shay

ran towards second base as the runners ahead of him

deliriously circled the bases towards home.

As Shay reached second base, the opposing short stop

ran to him, turned him in the direction of third base

and shouted, "Run to third." As Shay rounded third,

the boys from both teams ran behind him screaming,

"Shay run home." Shay ran home, stepped on home

plate and all 18 boys lifted him on their shoulders

and made him the hero, as he had just hit a "grand

slam" and won the game for his team.

"That day," said the father softly with tears now

rolling down his face, "those 18 boys reached their level of

God's perfection."

Funny how this is so true!

Funny how simple it is for people to trash different

ways of living and believing and then wonder why the world

is going to hell.

Funny how people can send a thousand 'jokes' through

E-Mail and they spread like wildfire, but when one

starts sending messages regarding life choices, people think

twice about sharing.

Funny how the lewd, crude, vulgar and obscene pass

freely through cyberspace, but public discussion of

morality is too often suppressed in school and the

workplace.

Funny how when you go to forward this message (if you

choose to forward it), you will not send it to many

on your address list because you're not sure what they

believe, or what they will think of you for sending it to

them. Funny how we can be more worried about what other

people think of us than what we think of ourselves.

Doc Says: FUNNY ISN'T IT!

I sent this to everyone on my list...Let's share it

with our children and others shall we...

Peace & Blessings

This Law Sucks!

In Denver, Colorado, it is illegal to lend your vacuum

cleaner to your neighbor.

- Michael Vincent

Want does LSASE mean -

Self Addressed Stamped Envelope

is often abbreviated as SASE.

The "L" means long, #10 business size envelope

*Available at your local drugstore or office supply store.

What is Carpal Tunnel Syndrome & Preventing it at Work

Carpal tunnel syndrome is an overuse injury that often occurs while

doing repetitive work. There are some things you can do to help

prevent this condition from occurring.

If you have a job where you perform the same actions repetitively, be sure to take frequent breaks

and try to rotate through different tasks as often as possible.

The use of a simple over-the-counter

wrist splint may also be helpful.

They can be found in most drug stores.

If you have any symptoms of carpal tunnel syndrome, see your physician for further evaluation and to discuss treatment options.

What Are Sprains

When a joint is stretched too far

beyond the normal range of motion,

but is not fractured or dislocated,

a sprain of the ligament that

connects the bones can occur.

If this happens to you, see your doctor

to make sure that the sprain is not serious.

He or she will probably

advise you to treat the injured area

with rest, elevation, and cold compresses.

HEART DISEASE IN AMERICA'S YOUTH

Most people think heart disease is an adult disease, the result of

many years of an improper diet. However, in a recent study reported in

"The American Heart Association Journal,"

dangerous advanced arterial plaque was found in teens

and young adults who had died in accidents,

by suicide, or had been murdered.

These results indicate that we need

as parents to make sure our children are eating healthy foods in

correct proportions and participating in

30 minutes of moderate physical activity each day.

Physical activity will help to control fatness, reduce cholesterol,

and prevent high blood pressure. Obesity is becoming a major health deterrent of children, teens, and young adults

Asbestos in Tampons

Although some might find the topic somewhat amusing, there are millions of women who will agree that having dangerous or carcinogenic materials in tampons is no laughing matter. An email that began circulating in 1998 says that tampons use asbestos in their fibers to promote bleeding. This, the email claims, makes the women buy more tampons. It also claims the names of Stephanie Baker and Dr. Benita S. Katzenellenbogen as reliable sources for this information. Please see their Web site for how their names actually got attached to this ridiculous email. The email also claims that there are two deadly chemicals that can cause TSS (Toxic Shock Syndrome) in tampons and nobody wants to do anything about it. The chemicals are dioxin and rayon. Yes, rayon does exist in tampons, but at a limited level to assist in absorbency. Dioxin is a bad chemical that CAN exist in tampons, but is closely monitored.

Although the FDA may not be a reliable source to some, why anyone would take the word of a random email over the FDA is beyond comprehension. The claims made in the email are inflammatory, baseless and generally a jumble or factoids, hearsay and falsehoods. Disregard it.

Click here for the real story.

Horn-y Law?

In Liberty Corner, New Jersey, if a couple is having intimate relations while in a car and they accidentally sound the horn, they are subject to jail time.

- Michael Vincent

Dog Fetches One Too Many Times

The story goes something like this:

A man was walking his friend's dog when he noticed a tennis ball wrapped in duct tape sitting in the grass. The man plays with the ball, wondering why it is wrapped, but then decides to use it to play fetch. The man and dog play fetch with the ball several times when suddenly it explodes. Unfortunately, the blast does not kill the dog and it suffers, despite pleas from bystanders to have the police shoot it (they are not allowed to do that, by the way). Finally and mercifully, a vet arrives and puts the dog to sleep. The owner of the dog is distraught and overcome with emotion.

Sound silly? It is ridiculous, but it's also VERY true.

On November 25, 2000, the above scenario actually took place. Now, I had my doubts, so I checked around and was able to find instructions on how to build these types of bombs. The writer usually has a small disclaimer that supposedly relinquishes responsibility.

If you ever see a tennis ball wrapped in duct tape lying on a lawn somewhere, do not touch it and call the authorities. You might end up looking silly, but better safe than sorry. Explosives created in this manner are dangerous, illegal, and completely unpredictable. If you know someone who is making these things, call the police. You might save a life!

- Michael Vincent

Tie Up The Dog!

In Massachusetts, during the month of April, all dogs are required to have their hind legs tied.

- Michael Vincent

Did NOT Watch Bugs Bunny!

Gregory David Pryor was apparently having some problems with his gun. The 19-year-old Jay County, Indiana man was dissatisfied with the gun's performance, and after loading a goodly amount of gunpowder into the firearm he decided the best way to resolve the issue was to look down the barrel with a lighter.

Apparently the gun worked just fine, because it shot him in the face. I have not one single idea what he thought was supposed to happen. What Really scares me is that he had a gun AT ALL!

- Michael Vincent

Pencils in Space!

This is a space race urban legend that is sometimes used to point out NASA's lunacy and space exploration's grievous waste of money. This has to do with writing instruments. According to the note, Paul Fisher was asked by NASA in the 1960s to develop a space pen. They supposedly spent millions of taxpayers' dollars to develop a pen that would work in space. The Russians, however, used a much more elegant solution -- the pencil.

This rumor is partly right and mostly wrong. It is true that Mr. Fisher developed a pen to use in space, but at no expense to NASA or the American taxpayer. Before the pen was available, both Russian and American astronauts used pencils. Pencils were ruled unsafe for several reasons -- they burn, they can break and float into delicate instruments, and they might get into a nose or an eye, just name a few.

The space pen was eventually developed and sold to NASA for about $3 each. It was also eventually used by the Russians as well.

- Michael Vincent

Over-Watered Horses!

In Marshalltown, Iowa, it is illegal for a horse to eat a fire hydrant.

I guess they had REALLY thirsty horses!

- Michael Vincent

Mama Cass Died of a Ham Sandwich!

For those old enough to remember, this rumor concerns the death of Cass Elliot, "Mama Cass" of the popular 1960s group "The Mamas and the Papas." Cass Elliot was born Ellen Naomi Cohen on September 19, 1941 in Baltimore, Maryland. She joined the band in 1965, and they enjoyed popularity in the late 1960s.

Cass Elliot did not choke to death on a ham sandwich because she was on heroin, as is still rumored. She died, tragically, of a heart attack in 1974 brought on by extensive obesity and crash diets that all but destroyed her heart. At her death, Cass weighed well over 200 pounds and was a tiny 5'5" tall. Her incredible voice is still missed. If you have never heard any of her songs, go buy a CD. You won't regret it!

- Michael Vincent

Rosie The Riveter

she too lived and worked in Boston. For those of you who do not know who she was, I will explain;

W.W.II profoundly changed the role & status of women. As the military's need for manpower increased, so did the industry's need for woman power. From 1940 to 1944 over 6 million women joined the workforce, filling jobs that had been exclusively male occupied. Despite initial concerns, by W.W. II's end woman had proved to be a formidable, invaluable force in the war effort.

The "WE CAN DO IT!" poster, created in 1943, by J. Howard Miller, encouraged woman entering the workforce. 1942's "Rosie the Riveter" a popular home front song, became a nickname for women in the war workforce. These "Rosie's" included Rose Bonavita, who drove a record 3,345 rivets into a torpedo bomber in 1943.

As men returned from W.W.II, most women left the factories. But with the confidence, competence, and earning power they had experienced forever changed America's workplace. Over time, Rosie has become an icon symbolizing women's strength, determination and ability to do any job.

WELCOME TO THE LINN HOUSE

On the banks of the River Isla, in

Keith, Speyside, sits the baronial

mansion known as Linn House, owned

by CHIVAS BROTHERS. Built in 1878,

local craftsman have restored our

house to its full glory, decorating the

interior with period architecture and

19th century antiques, while beyond its

doors, five acres of lush garden stretch

to the banks of the Isla at the Linn

Waterfall.

Guests of CHIVAS REGAL enjoy

hospitality in the finest Scottish

tradition, with an attentive staff on call

to accommodate any request. Guests

are also welcome to explore the

breathtaking mountain and coastal

scenery that make Speyside one of

the most cherished destinations in the

Highlands.

What does your Credit score mean?

Credit Report Prepared For:

JONATHAN QUINCY CONSUMER

Jan 26, 2000

PERSONAL PROFILE

Names on File: Jonathan Quincy Consumer

Year of Birth: 1951

Current Address: 10655 N BIRCH STREET

BURBANK, CA 91502-1234

Previous Addresses:

1314 SOPHIA LANE APT 3

SANTA ANNA, CA 92708-5678

2600 BOWSER ST #312

LOS ANGELES, CA 90017-9876

Current Employer: AJAX HARDWARE

Previous Employers: BELL AUTOMOTIVE

CREDIT SUMMARY

Account Details: Past Due Accounts:

Total Account Past Due Accounts:1

Balance: $30685

Total Accounts: 5 Total Past Due

Amount: $956

Satisfactory Current Delinquent Accounts: 4 Accounts: 2

Accounts Paid in Full: 0

Oldest Account Opened: May 12,1991 Previous Delinquent

Accounts: 0

Installment and No. of Times Delinquent

Revolving Acccounts : in Past 7 Years:

Installment Balance: $19580 30 Days Delinquent: 6

Revolving Balance:$55 60 Days Delinquent: 1

Monthly Payment: $10 90+ Days Delinquent: 1

Report Inquiries:

Total Inquiries : 3

Inquiries in

Last 6 Months: 2

PUBLIC RECORDS

The information in this section comes from federal district bankruptcy records, state and county court records, tax liens and monetary judgments, and in some states, overdue child support records. Public records remain on your credit report for 7-10 years.

Plaintiff: A-1 Home Loan Court: SF Muni Dist

Type of Record: Judgment Reference Number:436653

Amount: $1200 File Date: N/A

Asset:$0 Last Updated: Feb. 19, 1992

Liability: $0

CREDIT INQUIRIES

This section contains the names of those who obtained a copy of your credit report. Inquiries remain on your report up to two years.

There are 3 inquiries on your report.:

Company Name: Date of Inquiry: Company Type:

HEMLOCKS May 5, 1996 Personal Loan Company

BAY COMPANY May 3, 1996 Mortgage Reporters

HILLSIDE BANK Mar 21, 1995 All Banks

ACCOUNT HISTORY

This section contains specific information on each account you've opened in the past. Positive information about your accounts remains on your report indefinitely.

There are 3 accounts on your report.

MOUNTAIN BK account closed

Account Number: 3562A0197**** Balance Date: May, 1996

Type of Business: Unknown Balance:$ 19,330

Type of Account: Installment Credit Limit:$ 43,225

Date Opened: Mar, 1993 Monthly Payment:$ 956

Past Due:$ 956

Comments: CREDIT CARD

24 Month Payment History:

1994

JAN FEB. MAR APR MAY JUN. JUL. AUG. SEP OCT. NOV. DEC

1995

JAN FEB. MAR APR MAY JUN. JUL. AUG. SEP OCT. NOV. DEC

1996

JAN FEB. MAR APR MAY JUN. JUL. AUG. SEPT. OCT. NOV. DEC

7 Year Payment History:

Nothing Delinquent or Derogatory Reported

Payment Legend

Current 30 60 90 120+ Payment Repossessions Charge off

Days Days Days Days Plan or or

Late Late Late Late Foreclosure Collection

CREDIT SCORE

Your Score is: 610 on a scale of 400 - 900

Your Credit Category is:

Percentile: Your credit rating ranks higher than 25% of U.S. consumers.

PERSONALIZED SCORE ANALYSIS

1) About your Credit Score:

Credit scores are based on the information in your credit bureau record. The

majority of CreditXpert Credit Scores(tm) are between 400 and 900. Higher

scores are better. With a high score, you have a good chance of getting the

credit and loan(s) you want. Keep in mind that when lenders consider a loan

or credit application, they generally ask for more information because credit

scores are not the only factor they use in making decisions. Typically, this

includes personal data (such as income and monthly payments) used to

determine your ability to pay.

What your Credit Score means:

Currently, your CreditXpert Credit Score(tm) will make it difficult for you to

get the best offers, especially for credit cards. Be prepared to pay higher

fees and interest rates, as well as make deposits and down payments. Also,

you may not be able to get high credit limits and/or high loan amounts.

However, if you demonstrate that you are reliable by always paying your

bills on time, your credit score can improve significantly within a year.

What this Means to You:

Both negative and positive factors influence your credit score. The most

important factors of each are listed below, in order of importance. Remember

that these factors vary in how strongly they impact your credit score. For

example, if you have a very high credit score, the negative factors in your

analysis are likely to have a small impact. The same is true for positive

factors if you have a very low credit score.

What factors lower your credit score:

Payment History : You owe $19,500 on accounts for which you

have missed a payment.

This only includes your open accounts.

This is making your score lower. Missing payments is a negative

factor. Some cases are worse than others. For example, if you

have not missed any payments recently, lenders may think you

have become responsible and will no longer miss payments.

Also, missing payments on only a few accounts is not as harmful

as missing payments on most or all of your accounts, because

lenders realize that many people miss a payment (or pay late)

once in a while. Also, missing a single payment is not as harmful

as missing several consecutive payments because many lenders

consider missing 3 or more consecutive payments as an

indication that you may never repay them. Finally, it is not as

harmful to miss payments on accounts with low balances rather

than high ones because lenders stand to lose less money on

low balances if they remain unpaid.

Bankruptcies : You have one or more bankruptcies listed in

your credit report.

This is making your score lower. Any record of bankruptcy in

your credit report is a very negative factor. A bankruptcy is less

harmful to your credit score if it occurred many years ago (rather

than recently) because lenders may believe that you regained

control over your financial responsibilities. In any case,

bankruptcies will very significantly impact your ability to obtain

new credit, and new loans will likely involve a deposit or high

fees and interest rates. Note that bankruptcy records on credit

reports usually disappear 7 to 10 years after the filing date of

the bankruptcy. When this happens, it will have a positive effect

on your credit score.

Length of Credit History : The average age of the account(s) in

your credit report is 7 years and 5 months.

This is making your score lower. Having had credit accounts for

a long time is a positive factor because your history gives

lenders information to evaluate how you typically use credit and

repay your debts. Credit reports with approximately 30 years of

history are considered optimal. Meanwhile, up to 7 years of

credit history is considered short, and less than 3 years of

history is considered too little. It is worth noting that your

accounts may have been open longer than your report

suggests, if lenders were slow to report them to the bureaus.

What matters is how long your accounts have been in your

report.

What factors raise your credit score:

Credit Accounts : You have 5 account(s) listed in your credit

report.

This is making your score higher. Having accounts is a positive

factor because it gives lenders information to evaluate how you

pay your bills. However, having too many accounts is usually

considered a negative factor because lenders worry that you

are spending (or preparing to spend) beyond your means, even

if you have not missed payments in the past. Also, if you do not

have credit (a negative factor), obtaining your first credit cards

may be difficult, and it may involve high fees and interest rates,

as well as low credit lines. Note, finance trades (debt

consolidation accounts with high interest rates) are considered

a negative factor, because they are often associated with

troubled credit histories.

Payment History : Last reported month, you did not miss a

payment on any revolving account.

This only includes accounts updated in the past 3 months.

This is making your score higher. Missing payments is a negative