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Restrict bankruptcy rules.

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Social Insecurity

Strapped Seniors use credit cards ‘stead of cash
To stay afloat, after losing their stocks n’ bonds
Yet more victims of another Wall Street crash
“Let them eat cake” is what the Fed responds

ROTMS


From Reuters Article 10/23/2010
Retired and broke: Why retirees are declaring bankruptcy

For more and more seniors, retirement doesn’t mean a debt-free life of leisure. An increasing number of Americans aged 65 and older are declaring bankruptcy, according to a recent study by John Pottow, professor of law at the University of Michigan Law School.
Those aged 65 and older represented seven percent of bankruptcy filers in 2007, a mind-boggling jump from 1991. They are the “fastest-growing age demographic, ” according to Pottow’s study.
What’s the culprit for so much debt? Credit cards. Two-thirds of Americans who filed for bankruptcy said credit cards were the key reason for their financial problems, according to Pottow’s research. Besides having more credit card debt compared with younger bankruptcy filers,44.8 percent of those aged 65 and older also had more plastic in their wallets. “They’re using credit cards as a maladaptive coping mechanism, ” Pottow says.
Stephanie Osterland, a supervisor in the bankruptcy department at GreenPath debt solutions, sees an increasing number of seniors living beyond their means. Says Osterland: “They’re just trying to live off of a fixed income, and that’s usually Social Security. Maybe they have a small pension. We find they’ve used credit cards to supplement that income and expenses or they just end up getting into a lot of medical debt.”
In addition to escalating medical expenses, seniors have seen their portfolios hit hard by the lagging stock market. Carolyn Rodi of Saving Your American Dream says those considering bankruptcy should see a credit counselor at a non-profit organization to get their finances in order.
Credit counselors, such as those at GreenPath, help the elderly deal with a stressful situation. “We try to help them focus on what it’s going to look like” after they get out of debt, Osterland says.
Rodi also recommends that potential bankruptcy filers seek out pro-bono legal aid. “There are a lot of elderly people that are being taken advantage of by bankruptcy attorneys and mortgage brokers who are advising them improperly to pay for the bankruptcy, take out a reverse mortgage or to do things that aren’t in their best interest, ” she says. ”If you have no income, why should you borrow to pay someone when you can get free legal aid? ”
What are the chances of a senior paying off his or her debts? It’s difficult to determine, especially because seniors tend to be on a fixed income. And while finding a job — such as a WalMart greeter — seems like a viable option, it is not necessarily feasible for all seniors to work.
In addition, whether or not a person declares Chapter 7 (which involves the liquidation of one’s assets) or Chapter 13 (which allows debt restructuring) bankruptcy can be a significant factor in determining what one’s lifestyle will be. “If you have to file for Chapter 7 bankruptcy, you may be able to find affordable housing that allows you to just get by, ” says Rodi. “Chapter 13 lets you keep your house and doesn’t touch your retirement savings.”
Regardless, filing for bankruptcy is very stressful for anyone. “A lot of our clients in that post-retirement age have a hard time coming to grips with their situation, ” Osterland says. “It’s very emotional for them. We try to focus on the future and see if this debt can be lifted off their shoulders.”

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Love Rules

Evry day you pass her in the hall
You just pretend that you dont see her at all
You wanna tell her how much you care
You wanna call her but you just dont dare
Love rules, ooo love rules
Out in the parking lot with all the guys
Dont ever let em see the tears in your eyes
Shes got a date tonight and it aint you
So you go out there and you get one too
Love rules, ooo love rules
Love rules, yeah love rules
You wish you didnt have so much to feel
Its much too scary and its all too real
All your friends are out havin fun
Sometimes you think that youre the only one
That love rules, ooo love rules
While everybodys out makin time
You cant help thinkin youre the last in line
Shes the finest thing youve ever seen
You wrap your arms around her in your dreams
When she smiles it brings you to your knees
You wanna tell her but you always freeze
Shes in the back seat but youre much too shy
Youd give the world to be an older guy
Love rules, ooo love rules
Love rules, yeah love still rules
Love rules, ooo love rules
Love rules, love rules love rules
Love rules

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Alexander Pope

An Essay on Criticism

Part I

INTRODUCTION. That it is as great a fault to judge ill as to write ill, and a more dangerous one to the public. That a true Taste is as rare to be found as a true Genius. That most men are born with some Taste, but spoiled by false education. The multitude of Critics, and causes of them. That we are to study our own Taste, and know the limits of it. Nature the best guide of judgment. Improved by Art and rules, which are but methodized Nature. Rules derived from the practice of the ancient poets. That therefore the ancients are necessary to be studied by a Critic, particularly Homer and Virgil. Of licenses, and the use of them by the ancients. Reverence due to the ancients, and praise of them.


'Tis hard to say if greater want of skill
Appear in writing or in judging ill;
But of the two less dangerous is th'offence
To tire our patience than mislead our sense:
Some few in that, but numbers err in this;
Ten censure wrong for one who writes amiss;
A fool might once himself alone expose;
Now one in verse makes many more in prose.

'Tis with our judgments as our watches, none
Go just alike, yet each believes his own.
In Poets as true Genius is but rare,
True Taste as seldom is the Critic's share;
Both must alike from Heav'n derive their light,
These born to judge, as well as those to write.
Let such teach others who themselves excel,
And censure freely who have written well;
Authors are partial to their wit, 'tis true,
But are not Critics to their judgment too?

Yet if we look more closely, we shall find
Most have the seeds of judgment in their mind:
Nature affords at least a glimm'ring light;
The lines, tho' touch'd but faintly, are drawn right:
But as the slightest sketch, if justly traced,
Is by ill col'ring but the more disgraced,
So by false learning is good sense defaced:
Some are bewilder'd in the maze of schools,
And some made coxcombs Nature meant but fools:
In search of wit these lose their common sense,
And then turn Critics in their own defence:
Each burns alike, who can or cannot write,
Or with a rival's or an eunuch's spite.
All fools have still an itching to deride,
And fain would be upon the laughing side.
If Mævius scribble in Apollo's spite,
There are who judge still worse than he can write.

Some have at first for Wits, then Poets pass'd;
Turn'd Critics next, and prov'd plain Fools at last.
Some neither can for Wits nor Critics pass,
As heavy mules are neither horse nor ass.
Those half-learn'd witlings, numerous in our isle,
As half-form'd insects on the banks of Nile;
Unfinish'd things, one knows not what to call,

[...] Read more

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Kinja Rules

Lorna
Mista paper, senator pullman he just call.
He ask how come ya don need no watah
Norman
Dont need water!
Lorna
Well, you let the barge go by
He comin to talk to you
Norman
Who is senator pullman anyway?
Why do I have to signal the barge?
Iris
Welcome to the caribbean, put on a shirt at least.
The big enchilada is on his way
Senator pullman
Mr. norman paperman, I presume?
Joinin us in kinja for de tourist boom?
Norman
Norman paperman at your service.
Meeting the kingpin, Im slightly nervous
Pullman
Mr. paperman, I here to be your friend
But theres just certain rules here we can not bend
Paperman how about the water? my cisterns flat.
Pullman
Why sure, I come to take care of dat
Chorus
But you gotta play by kinja rules
Forget about da tings you learned in school
We use a different box of tools
And you gotta play by kinja rules
Pullman
Now dis alien aint bonded for no gondolier
Hes bonded for gardener-dat why he here
De chief of immigration a power in dis town
Chief find out-your hotel close down
Paperman
Hereafter gardenings all hell do I didnt know, I swear to you
Pullman
Doan hoross yourself, its okay mister
De chief of immigration-shes my sister
Chorus
But you gotta play by kinja rules
Forget about that civics course you learned in school
We aint city folks, but we aint fools
And you gotta play by kinja rules
Pullman
Stop!
Paperman
How about my water?

[...] Read more

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No Rules

Say its alright
If you really love me
Its my life
And I really wanted you that night
Was about to break
So we had to just take a chance
Time is not to waste
We couldnt let it slide through our hands
When my heart called
You answered me
Baby, when I was falling
You were there for me
Theres no rules in love
Cant you see?
No rules in love
For you and me
No rules in love
Walking through the streets
The echo of our footsteps in time
In between the beats
Tell me that youll always be mine
So baby can I trust you
Like Im ready to?
Ive waited so long
And I never refused
Theres no rules in love
Cant you see?
No rules in love
For you and me
Theres no rules in love
Our hearts are free
No rules in love
For you and me
No rules in love
All my life, been living on the same dreams
Sometimes they seemed so real
All my love I held deep inside me
I wanted to feel
I wanted to feel
Baby, now I wonder
What youre doing tonight
I can see you laughing, boy
As I closed my eyes
Theres no rules in love
Cant you see?
No rules in love
For you and me
Theres no rules in love
Cant you see?
No rules in love

[...] Read more

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Ella Wheeler Wilcox

God Rules Alway

Into the world's most high and holy places
Men carry selfishness, and graft and greed.
The air is rent with warring of the races;
Loud Dogmas drown a brother's cry of need.
The Fleet-of-Creeds, upon Time's ocean lurches;
And there is mutiny upon her decks;
And in the light of temples, and of churches,
Against life's shores drift wrecks and derelicts.
(God rules, God rules alway.)


Right in the shadow of the lofty steeple,
Which crowns some costly edifice of faith,
Behold the throngs of hungry, unhoused people;
The 'Bread Line,' flanked by charity and death.
See yonder Churchman, opulently doing
Unnumbered deeds, which gladden and resound;
The while his thrifty tenant is pursuing
The white slave trade on sacred, untaxed ground.
(God rules, God rules alway.)


For these are but the outward signs of fever;
Those flaunting signs, which through delirium burn;
And the clear-seeing eye of each Believer
Can note the coming crisis. It will turn,
For it has reached its summit. Convalescing,
The sick world shall arise to strength and peace,
And earth shall bloom, with each and every blessing
Life waits to give, when wars and conflicts cease.
(God rules, God rules alway.)


This is a mighty hour. No sounds of drumming,
No flying flags, no heralds do appear;
No Wise Men of the East proclaim His coming;
Yet He is coming-nay, our Christ is here!
And man shall leave his fever dreams behind him;
Those dreams of avarice, and lust, and sin,
And seek his Lord; yea, he shall seek and find Him,
In his own soul, where He has always been.
(God rules, God rules alway.)


Man longs for God. Before the Christ we wot of,
With His brief mighty message, came to earth,
Before His life, or creed, or cross were thought of,
The love of love within man's breast had birth.
But blindly, through his carnal senses reaching,
He plucked dead fruit, and nothing has sufficed;

[...] Read more

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I Dont Love Here Anymore

Words and music by rick nielsen
We had a special way of talkin
Oh, a language all our own
We always knew the latest dances
But we liked old-fashioned love
Now something seems the matter
You dont want to play by the rules
(you dont want to play by the rules)
I dont want to love here anymore
(I dont want to love here anymore)
You dont want to play by the rules
(you dont want to play by the rules)
I dont have a lot of patience
When someones lit my fuse
So dont you try to reason
Me, I dont want no excuse, no!
You dont want to play by the rules
(you dont want to play by the rules)
I dont want to love here anymore
(I dont want to love here anymore)
You dont want to play by the rules
(you dont want to play by the rules)
You (you)
Dont (dont)
Play (play)
By the rules
I (I)
Wont (dont)
Love here anymore
You dont want to play by the rules
(you dont want to play by the rules)
cause I dont want to love here anymore
(I dont want to love here anymore)

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Breaking All The Rules

Well I know
I could be just another stranger
But to you
I guess Im just another fool
And you swear
You like to live your life in danger
Then you hide
Behind a wall of silly lies
Nobody thinks the way I do
I guess that nobody cares
Your heads so full of things, so set your mind free of them
Im breaking the rules
Did you know
That in the truth, theres nothing stranger
I suppose
You think I think I know it all
Chorus:
Nobody hears the things I say
I guess that nobody cares
My heads so full of things I set my mind free of them Im breaking the rules
Breaking all the rules
Cant you see theyre nothing without you
Empty heads full of fools
Now you see
Im breaking all the rules, breakin all the rules
Well I know
That you would love to go to heaven
But you know
That youre just too afraid to die
And I know
That you would love to know the answers
But to you
The truth is just another lie
Chorus
Breaking all the rules
Why dont you tell them
Breaking all the rules, a come on, a come on
Breaking all the rules, why dont you get it on,
Breaking all the rules, a come on, a come on
Breaking all the rules, aaaallll right
Breaking all the rules, a come on, a come on...

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Ship Of Fools

Hello europe here we are, everything is easy
Lets cross the border without stop
Italian pasta mixed with fine french wine would be great
My stomach knows no state
Blond girls from sweden
And if thats garden of eden
I think thats o.k.
Turkish dope found a license of the pope
Dont think thats the only way.
Europe, europe rules!
Lets have a drink in a ship of fools
Europe, europe rules!
Lets have a drink in a ship of fools
Allright!
Belgium beer with a jgermeister-deer
Thats why we here, I think this ones not for you
And swiss francs brought to polish banks
Thats life! a hard bone to chew
I dont want no austrians be instructors
In my home I guess theres something better
Spanish guitars combined with twenty german tubas
That wont work but it really doesnt matter
Europe, europe rules!
Lets have a drink in a ship of fools...
Allright!
Hey, hey!
Europe, europe rules!
Lets have a drink in a ship of fools cheers!
Europe, europe rules!
Lets have a drink in a ship of fools just watch it!
Europe, europe rules!
Lets have a drink in a ship of fools
Europe, europe rules!
Lets have a sink in a ship of fools
A shipper of a ship of fools, what part is that?
Europe rules, europe rules
Europe rules, watch your fools!

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Break The Rules

Everything is wrong, yet they all deny it
But the time will come, when they cant hide it
Somebody says hey man- whats up with you
I say just make way cause Im sick of you
Sick n tired of no good two faced liars
Buck here- buck there, thats their sole desire
Leaders always put your life in fear
I dont wanna see the world disappear
You got to burn it up- burn it up tonight
Cause the time has come for us- to put it right
You gotta break the rules, so keep the aces high
Break the rules- break the rules
Burn em down with fire
No good thinking you dont have the power
Cause its coming soon its gonna be our finest hour
All I do is smile because Ive been thru this before
I know just how to play this game- Im kicking down your door
You got to burn it up- burn it up tonight...
You gotta break the rules, so keep the aces high
Break the rules- break the rules
Burn em down with fire
You gotta break the rules, so keep the aces high
Break the rules- break the rules
Burn em down with fire
Solo
You gotta break the rules...

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The gun rules

Stop, Stop
Please don't pull the trigger
You think I don't understand, you fool
The gun rules

You can claim my land
I will understand
You think I care about the money
Dive as you need into my honey

For I know
The gun rules
and heads must bow

The gun rules
Say yes, not no

The gun rules
Powerful than fistful blows

The gun rules
Nice and slow

The gun rules
Its handler glows

The gun rules
lay down, lie low

The gun rules
as red blood flows

You think I do not know the difference
between the gun, arrow and the bow
You sit like an angry king on your throne
ordering the rolling of heads and bones
This is the time of the gun
This is its timezone

Stop, Stop
Please don't pull the trigger
Lose not your cool, you fool

The guns rules
The perfect master of disguise
I have been to school and I am wise
A life in one piece
Is worth more
Than the risk of hit and miss
So all I ask of you is to let me go

[...] Read more

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In 1997, the National Bankruptcy Review Commission recommended that chapter 12 of the Federal Bankruptcy Code, the chapter that contains bankruptcy protection for family farmers, be made permanent.

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Not To Restrict

A fluid mind turned on...
Wants to stay strong!
With...
An energy that motivates initiative.
And...
Keeping what is wished unlimited.

Not to restrict,
It...
To pity fixes.

A fluid mind turned on...
Wants to stay strong!
Not to restrict,
It...
To pity fixes.

A fluid mind turned on...
Wants to stay strong!
With...
An energy that motivates initiative.
And...
Keeping what is wished unlimited.

Not to restrict,
It...
To pity fixes.

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Why Would I Seek Limits?

I'm a mammal not to be seen on a mantel like a candle,
With a flicker to blow out.
Or...
Cast a shadow to be seen,
In a darkened house.
Or peeping out of windows,
Caged up like a frightened mouse.
Not me,
No...
Why would I seek limits?
Not me,
No...
What would be the benefit if I lived just to sit.
And...
What would be the benefit to sit and just restrict.

Not me,
No...
Why would I seek limits?
Not me,
No...
What would be the benefit to sit and just restrict.

I'm a mammal not to be seen on a mantel like a candle,
With a flicker to blow out.
Or...
Cast a shadow to be seen,
In a darkened house.
Not me,
No...
What would be the benefit to sit and just restrict?
Like so many who find limits to do this as if it's wished.

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Between High School & Old School

Hey hey
Hey hey
I guess I'm a loner and I don't fit in (No...)
I ain't too comfortable in my skin (Oh...)
An' I don't play well with the others
I'm stuck somewhere between high school and old school
I can't decide between my rules and your rules
Hey hey
Hey hey
Nobody wants me hanging round
Unless it's from a tree in the middle of town
And I'm out of step with the others
I'm stuck somewhere between high school and old school
I can't decide between my rules and your rules
I'm stuck somewhere between high school and old school
So I defy maybe all rules maybe no rules
My clothes don't make me
My hair ain't cut right
And I don't care much
No I don't care at all
I guess my brain is out of sync, I think
I'm stuck somewhere between high school and old school
I can't decide between my rules and your rules
I'm stuck somewhere between high school and old school
I can't decide, I just can't decide
Hey hey hey
Hey hey hey
Hey hey hey
Aw...

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The Law Is For Protection Of The People

Billy dalton staggered on the sidewalk
Someone said he stumbled and he fell
Six squad cars came screaming to the rescue
Hauled old billy dalton off to jail
cause the law is for protection of the people
Rules are rules and any fool can see
We dont need no drunks like billy dalton
Scarin decent folks like you and me, no siree
Charlie watson wandered like a stranger
Showing he had no means of support
Police man took one look at his pants cuffs
Hustled charlie watson off to court.
cause the law is for protection of the people
Rules are rules and any fool can see
We dont need no bums like charlie watson
Scarin decent folks like you and me, no siree.
Homer lee hunnicut was nothing but a hippy
Walking thru this world without a care
Then one day, six strapping brave policeman
Held down homer lee and cut his hair
cause the law is for protection of the people
Rules are rules and any foola can see
We dont need no hairy headed hippies
Scarin decent folks like you and me, no siree
So thank your lucky stars youve got protection
Walk the line, and never mind the cost
And dont wonder who them lawmen was protecting
When they nailed the savior to the cross.
cause the law is for protection of the people
Rules are rules and any fool can see
We dont need no riddle speaking prophets
Scarin decent folks like you and me, no siree.

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Powersquad

Preparing for the masses who will fight a horror war
With a little bit of luck and a powerful attack
Gonna force the allied law
Spreading death and blood- terrorizing all the world
In a bloody kinda hope like a killer working dope
Living weapons- cold as ice
Without a sign of fear in their face
They stand up in this serious race
Nothing to lose much to gain
Calling the shots in this game
Powersquad rules- powersquad wins
Forcing you to run
Powersquad rules- powersquad wins
Your life is in their hands
Defending all their idols hard as the burning land
In the middle of the night in a darkest hiding hole
Living legends will be born
Preaching peace of love- emphasizing to be strong
Its another kind of fight for another holy right
Living peaceful in this world
Without a sign of fear in their face
They stand up in this serious race
Nothing to lose much to gain
Calling the shots in this game
Powersquad rules- powersquad wins
Forcing you to run
Powersquad rules- powersquad wins
Your life is in their hands
We see them die- we see them cry
Pain and heartache- losses of lives
In their fearless hearts- theyre rising high
To just another world of eternity
Without a sign of fear in their face
They stand up in this serious race
Nothing to lose much to gain
Calling the shots in this game
Powersquad rules- powersquad wins
Forcing you to run
Powersquad rules- powersquad wins
Your life is in their hands
Powersquad rules- powersquad wins
Forcing you to run
Powersquad rules- powersquad wins
Your life is in their hands

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Right To The Ways & The Rules Of The World

Monsters that trinkle like cats in the night
The cosmic conceiver continues his plight
A war of the heavens, whats wrong and whats right
Right to the ways and the rules of the world
Right to the ways and the rules of the world
Spraying the children with incense and myrrh
The hopeless confessions of minds unsure
Spraying the children with incense and myrrh
Right to the ways and the rules of the world
Right to the ways and the rules of the world
I tried to come over and see you today
I tried to come over to want you to say
I wanted you say to come today
Right to the ways and the rules of the world
Right to the ways and the rules of the world
Mindlessly hoping she falls for their minds
Holding the sacraments, secrets unkind
Chewing the curdles of cream from the rain
Right to the ways and the rules of the world
Chewing the grits...
Right to the ways and the rules of the world
Monsters that tinkle, trinkle like the jams gone astray...

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Right To The Ways & The Rules Of The World

Monsters that trinkle like cats in the night
The cosmic conceiver continues his plight
A war of the heavens, whats wrong and whats right
Right to the ways and the rules of the world
Right to the ways and the rules of the world
Spraying the children with incense and myrrh
The hopeless confessions of minds unsure
Spraying the children with incense and myrrh
Right to the ways and the rules of the world
Right to the ways and the rules of the world
I tried to come over and see you today
I tried to come over to want you to say
I wanted you say to come today
Right to the ways and the rules of the world
Right to the ways and the rules of the world
Mindlessly hoping she falls for their minds
Holding the sacraments, secrets unkind
Chewing the curdles of cream from the rain
Right to the ways and the rules of the world
Chewing the grits...
Right to the ways and the rules of the world
Monsters that tinkle, trinkle like the jams gone astray...

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Corruption

From the drip drip drip of the teardrops
To the chink chink chink of the cash
To the end end end of the friendships
To the wack wack wack of the bash
Corruption corruption corruption
Rules my soul
Corruption corruption corruption
Rules my soul
From the tick tick tick of your times up
To the yes yes yes of Ill sell
From the fact fact fact of the souless
To the pact pact pact with hell
Corruption corruption corruption
Rules my soul
Corruption corruption corruption
Chills my bones
Corruption corruption corruption
Rules my soul
Corruption corruption corruption
Chills my bones
From the scream scream scream of the babies
To the retch retch retch of the youth
From the lie lie lie of the righteous
To the lost lost lost way I feel
Corruption corruption corruption
Rules my bones
Corruption corruption corruption
Chills my bones
Corruption corruption corruption
Rules my soul
Corruption corruption corruption
Rules my soul
Corruption
Corruption
Order in the court
Decision to abort
The monkey wants to speak
So speak, monkey speak
Speak monkey, speak
Speak monkey, speak
Speak monkey, speak
Everything leads to corruption
Everything leads to corruption
Corruption

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