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    <title>I am David Gaines</title>
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    <category>Weblog</category>
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      <title>I am David Gaines</title>
      <link>http://davidgaines.com/nucleus/</link>
    </image>
    <item>
 <title>No Home, No Vote?</title>
 <link>http://davidgaines.com/nucleus/index.php?itemid=168</link>
<description><![CDATA[Darryl Bryant, a friend of mine, passed on an email about a strategy to prevent people from voting.  Because of the high number of people losing their homes, specifically in Michigan, due to the real estate market implosion, there apparently is an attempt to also prevent those who lost their home from their right to vote, considering, they now don't technically have an address to claim they are voters in that jurisdiction.  Well, something like that.  Just click on the link below to read the email they sent out...<br />
<br />
<br />
<div style="font-family:Times; margin-left:25px; padding-left:15px; border-left:1px solid #910c0c">Dear ColorOfChange.org member,<br />
It's the ugliest attack on voting rights we've seen in recent history--if you live in Michigan and you're in danger of losing your home to foreclosure, Republicans will try to take away your right to vote.<sup>1</sup><br />
<br />
McCain's response? Silence. Like Bush in 2000 and 2004, he's trying to keep a safe distance from these tactics, while benefiting from them. McCain could end this with a phone call. But he won't. <br />
<br />
It's voter-suppression at its worst. They're taking advantage of folks falling on hard times and using it for political gain--kicking people while they're down. It's time to hold McCain publicly accountable for this strategy. <br />
<br />
Will you join us in outing McCain for not denouncing these tactics and invite your friends and family to do the same? It just takes a moment: <br />
<br />
<a href="http://colorofchange.org/michigan08/">http://colorofchange.org/michigan08/</a><br />
<br />
For years, Republicans have engaged in "caging"--challenging the eligibility of voters on election day to suppress turnout and intimidate voters.<sup>2</sup> They'll often try to reject voters by claiming they don't live at the address where they're registered. This year, they've taken it to a new low--the chairman of the Republican Party in Macomb County, Michigan said last week, "We will have a list of foreclosed homes and will make sure people aren't voting from those addresses."<sup>3</sup> <br />
<br />
In other words, they'll target every voter whose house is on a foreclosure list, and challenge their voting rights on election day. But just because your name is on a list, it doesn't mean that you've lost your home or moved. In fact, many homeowners stay in their homes for months after the foreclosure process has begun, and some people are able to catch up on their payments and reverse the process.<sup>4</sup><br />
<br />
So why are Republicans illegally targeting homeowners who've had a tough time under Bush's economy? Because they know they're likely to vote for Democrats, and for Obama for President. In Michigan, over 60% of sub-prime loans were made to African-Americans.<sup>5</sup> And in general, people who've been hit hard by the economy are less likely to vote for Republicans. This tactic won't just affect struggling homeowners--it will cause longer lines and delays at the polls for everyone that lives in a neighborhood with a high number of foreclosures. And that's the point. <br />
<br />
After making the plan public, Michigan Republicans are backtracking and claiming they were misquoted.<sup>6</sup> But everything indicates that these are exactly the kinds of tactics they'll use<sup>7</sup>, and they're just trying to squash an embarrassing story.<sup>8</sup> <br />
<br />
Similar tactics are being used across the country, but the McCain campaign simply sits in the background, quietly benefiting from voter suppression. The Obama campaign is fighting against this plan in the courts,<sup>9</sup> but they need our help to expose these dishonorable tactics and make this a national story. <br />
<br />
If enough of us step up and connect the dots, we'll give the press a reason to make the connection between McCain and what's happening in Michigan. And as we've seen in our other campaigns,<sup>10</sup> when we stand together behind a clear message, the press covers it and moves our message forward. <br />
<br />
Calling on McCain to publicly reject these tactics is just the first step in our campaign to shame the Republican Party for attacking the voting rights of struggling homeowners. <br />
<br />
Please join us:<br />
<a href="http://colorofchange.org/michigan08/">http://colorofchange.org/michigan08/</a><br />
<br />
Thanks and Peace, <br />
&mdash; James, Gabriel, Clarissa, Andre, Kai, and the rest of the ColorOfChange.org team <br />
<br />
September 17th, 2008<br />
<br />
<span style="font-size:80%; color:#666"><b>NOTE:</b> The superscripts are defined on their site by clicking on the link above.</span></div><br />
<br />
]]></description>
 <category>Politics</category>
<comments>http://davidgaines.com/nucleus/index.php?itemid=168</comments>
 <pubDate>Thu, 18 Sep 2008 17:21:11 -0500</pubDate>
</item><item>
 <title>Bomb Squad Unleashed on Invading Polar Bears!</title>
 <link>http://davidgaines.com/nucleus/index.php?itemid=167</link>
<description><![CDATA[<img src="http://dcist.com/attachments/dcist_sommer/2008_0916_columbiaheights.jpg" width="500" alt="Polar bear spotted in Columbia Heights" /><br />
<br />
A bomb squad was called to the Columbia Heights Metro Station here in Washington, DC, because <a href="http://www.nbc4.com/news/17484808/detail.html">a stuffed polar bear set up outside the station "looked suspicious"</a>.  Not the type of stuffed polar bear as in the stuffed Bigfoot those naive dudes in Georgia said they found that would make us eat our words that it was real, but literally a stuffed animal.  And just to be sure there wasn't a bomb in it, they cut its head off.  Worse, though, they shut down the station causing even more issues for unhappy Metro riders already dealing with Metro setbacks all week.<br />
<br />
But, the crazy part is, it's not the first time a stuffed polar bear was found in DC, and <a href="http://www.greenpeace.org/usa/">it's even promoted on Greenpeace's website</a>!  The <a href="http://dcist.com/2008/09/16/other_polar_bears_spotted_around_to.php">DCist website even posted another photo of a stuffed polar bear</a> on the National Mall.  Even in the middle of DC traffic holding a sign that reads SOS!<br />
<br />
Who knows?  Maybe the government just isn't paying any attention to what's going on out here, or maybe they were passing on a message to Greenpeace &mdash; cut out the stunts or we'll cut your head off!<br />
<br />
<img src="http://www.woostercollective.com/soswash2.jpg" width="500" height="384" alt="Homeless Polar Bear in DC" /><br />
<br />
<img src="http://dcist.com/attachments/dcist_sommer/2008_0916_polarbear.jpg" width="500" height="375" alt="Polar bear on the National Mall" /><br />
<br />
<img src="http://www.woostercollective.com/soswash1.jpg" alt="Polar bear in the middle of DC traffic begging for help!" width="500" height="540" /><br />
]]></description>
 <category>Only in DC!</category>
<comments>http://davidgaines.com/nucleus/index.php?itemid=167</comments>
 <pubDate>Wed, 17 Sep 2008 17:55:07 -0500</pubDate>
</item><item>
 <title>After The Convention...</title>
 <link>http://davidgaines.com/nucleus/index.php?itemid=165</link>
<description><![CDATA[<img src="http://davidgaines.com/images/medley/conventionafterparty.gif" alt="" /><br />
<br />
]]></description>
 <category>Shits and Giggles</category>
<comments>http://davidgaines.com/nucleus/index.php?itemid=165</comments>
 <pubDate>Tue, 16 Sep 2008 17:46:08 -0500</pubDate>
</item><item>
 <title>His Name is Corey Richardson and He&apos;s Angry!</title>
 <link>http://davidgaines.com/nucleus/index.php?itemid=166</link>
<description><![CDATA[<img src="http://vexedinthecity.files.wordpress.com/2008/09/cropped-52752741austinskyline.jpg" width="500" alt="Vexed in the City" /><br />
<br />
In an effort to always support my people, as well as my people's people, check out Corey Richardson's blog called <a href="http://vexedinthecity.wordpress.com/">Vexed in the City</a>.  Warning: This site obviously isn't intended for simple-minded people, those who drool over Sarah Palin, those who think Emmit Till hold's the NFL record for rushing yards in a career or those who think Tyler Perry is the greatest thing since Spike Lee's School Daze.  A taste from his latest post...<br />
<br />
<div class="quote">How do you people sleep at night… wait, I take that back, you probably sleep very well after nodding off to another episode of House Of Payne whilst clutching your Zane novel and wondering when the McRib is coming back to McDonald’s… I’m getting all kinds of crap thrown my way because I actually had the gaul to say I don’t like Tyler Perry.</div><br />
]]></description>
 <category>Shout Outs</category>
<comments>http://davidgaines.com/nucleus/index.php?itemid=166</comments>
 <pubDate>Tue, 16 Sep 2008 12:53:00 -0500</pubDate>
</item><item>
 <title>If You Love Cheesecake Factory, This Is For You</title>
 <link>http://davidgaines.com/nucleus/index.php?itemid=164</link>
<description><![CDATA[An email I received not too long ago from my good friend Tonie...<br />
<br />
<div class="quote">Hey there,<br />
I thought I'd let you know of something I heard...<br />
<br />
Wednesday, July 30th is National Cheesecake Day!  I actually called The Cheesecake Factory to verify this information and they explained that they will be offering slices (regular size) for $1.50 for their dining customers. So, you could possibly order a few appetizers and then a slice of cheesecake- &mdash; one slice per person. <br />
<br />
Anyway...I thought I'd let you know.<br />
 <br />
I hope you're doing well.<br />
 <br />
Tonie</div><br />
<br />
If you're looking for the closest Cheesecake Factory to you, or if you're just a skeptic and have to see for yourself, <a href="http://www.cheesecakefactory.com/">check out their website</a> for more information.<br />
<br />
]]></description>
 <category>Entertainment/Events</category>
<comments>http://davidgaines.com/nucleus/index.php?itemid=164</comments>
 <pubDate>Mon, 28 Jul 2008 22:32:24 -0500</pubDate>
</item><item>
 <title>Getting Your Gas Kicked Outta Ya?</title>
 <link>http://davidgaines.com/nucleus/index.php?itemid=162</link>
<description><![CDATA[Living in Washington, DC <span style="font-size:80%; color:#666">[And not having a license or car also helps]</span>, I catch the Metro everywhere I need to go.  I virtually live, work and play in DC near a Metro station, so the price of gas is something I never think about.  I couldn't even tell you where the closest gas station is to my pad.  One night a friend of mine and I ended up across the river near the border to Maryland before finding a gas station, running on empty, filling up in a not-so-nice part of DC.<br />
<br />
But, for those of you who pay attention to the fluctuation of gas prices each time you drive past a gas station while going to work, there are several sites you can visit to find the best deals in your area, if they're not already in your favorites.  If times are rough, there are <a href="http://www.itworld.com/opinion/53857/11-ways-save-money-online">10 other ideas of how to save money</a> at ITWorld.<br />
<br />
<div class="quote"><a href="http://www.gasbuddy.com/">Gas Buddy</a> is a network of more than 181 gas price information Web sites for the U.S. and Canada that help you find low gasoline prices. To provide the most up-to-date information, GasBuddy asks drivers to enter information about the prices at gas stations they frequent. <br />
<br />
<a href="http://autos.msn.com/everyday/gasstations.aspx">MSN AUTOS</a> receives pricing data from more than 90,000 gas stations in the U.S. each night. However, the site warns that prices may change more frequently than it obtains them. <br />
<br />
<a href="http://www.motortrend.com/gas_prices/index.html">Motor Trend Gas Prices</a> is updated daily with new data from approximately 100,000 gas stations and convenience stores across the U.S. Like MSN AUTOS, Motor Trends doesn't guarantee the accuracy of the prices it displays. <br />
<br />
<a href="http://gasprices.mapquest.com/">Mapquest Gas Prices</a> lets you browse by state and drill down by city. This site updates gas prices seven times a day, and does not display any price that is older than 48 hours.</div><br />
<br />
]]></description>
 <category>Financial Freedom</category>
<comments>http://davidgaines.com/nucleus/index.php?itemid=162</comments>
 <pubDate>Mon, 28 Jul 2008 22:06:17 -0500</pubDate>
</item><item>
 <title>Going Broke Banking Your Future on the Banks</title>
 <link>http://davidgaines.com/nucleus/index.php?itemid=161</link>
<description><![CDATA[<img src="http://www.wlg-online.com/building/QSchools/images/wu.jpg" style="border:1px solid #282828; margin:0 0 15px 15px" width="108" height="144" align="right" alt="Jack Wu" />One of the most powerful <span style="font-size:80%; color:#666">[and motivating and entertaining and intense and no-frills-no-thrills and spell-binding]</span> speakers I've ever heard speak is a guy named Jack Wu.  He's a millionaire, and he did it through absolute sheer determiniation and that mindset that says, "<em>of course</em> I can."  And he speaks right here in the DC area almost every week, if anyone is interested in hearing him explain money.<br />
<br />
Anyway, so one day he was giving a presentation and explaining how money works when it comes to the banks and investments and so forth.  What's the difference between putting your money in a savings account, checking account, money market fund, mutual funds, stocks, bonds, buying insurance, using credit cards and so forth.  You really have to here him tell it, but I'm going to pull out a part of it and see if I can explain what everyone probably already knows, but never seems to talk about.<br />
<br />
It has to do with those bank accounts, savings and checking.  We all have them, be it a traditional bank, a credit union, an online account or whatever.  And each account has an interest you collect for keeping your money in the account.  For instance, for keeping your, let's say, $5000 in a savings account at The People's Bank, you might collect about 1.5% annually.  In other words, you'll earn $75 at the end of the year.  And if the bank has 1000 accounts like that, that's $75,000 annually it's kicking out.  The question is how do they profit by giving us money for watching our money?<br />
<br />
I asked some friends of mine, and one said the ATM fees.  Though I wouldn't doubt it, it's not the most lucrative way of making money.  Another friend, or was it the same friend, said bounced checks <span style="font-size:80%; color:#666">[C'mon!  How many people really write checks anymore?]</span>, monthly fees and other random charges.  I suggested switching banks.<br />
<br />
Well, The People's Bank, in this made up example, offers loans and credit cards like most other banks.  Let's take a car loan for example.  If the bank has 1000 accounts with $5000 in each, that's $5 million dollars worth of loans the bank can give.  So the bank gives out 10 car loans at $30,000 each with an average interest of 7.5%.  Now let's add on 10 mortgage loans, averaging $300,000 <span style="font-size:80%; color:#666">[This bank is in DC and housing is pretty expensive, even in this housing slump]</span> with interest averaging 7.5%.  And a few credit cards are issued to whomever with interest rates ranging from as low as 2.3% to as high as 18% to 29%.  And general loans, and student loans, and emergency loans, and a bunch of other loans averaging, let's say, 7.5% interest.<br />
<br />
Now, the money being loaned out is our money.  We collect 1.5% on our money which is probably just enough to break even after the ATM fees, monthly charges and whatever else the bank can think of.  The bank in turn takes that money and lends it to anyone who needs it.  And when the money comes back, they're collecting 5% to 22% more on the dollar than we are, though it's our money!<br />
<br />
Even if you argue that you have a money market fund or your credit union offers 4.1% interest, those financial institutions just loan money at a higher interest rate.<br />
<br />
That's like loaning me $5 to buy a lottery ticket, and I win $100 and give you back $10.  And that's a 100% return on your $5 loan, but I get $90 from virtually no investment.<br />
<br />
Ok, to some of you, it is what it is.  It's been like that since we were born and will continue to be like that until our grandchildren pass away.<br />
<br />
The point I'm making is there are tons of options out there that we just choose not to explore.  And I don't mean keep your money in a shoebox at home because inflation itself will decrease the value of your money.  Eventually I'll get to explaining more of these options, and demystifying the fear in doing anything else with your money other than putting it into a savings account and thinking that's the safest and best option to prepare for the future.<br />
<br />
Just keep in mind that when your bank gives you back 1.5% on the dollar, they already made that tenfold.<br />
<br />
And if you want to hear Jack Wu tell it, just <a href="mailto:david@davidgaines.com">send me an email</a>.]]></description>
 <category>Financial Freedom</category>
<comments>http://davidgaines.com/nucleus/index.php?itemid=161</comments>
 <pubDate>Sat, 5 Jul 2008 10:47:57 -0500</pubDate>
</item><item>
 <title>Happy Birthday to Keonna</title>
 <link>http://davidgaines.com/nucleus/index.php?itemid=160</link>
<description><![CDATA[<img src="http://davidgaines.com/images/photos/events/keonnabday062008/keonna01.jpg" alt="Keonna Smith celebrating her birthday at H2O" width="500" height="426" style="border:1px solid #282828" /><br />
<br />
A Happy Birthday shout out to Keonna!  We celebrated her birthday at H2O where she had the VIP table service hookup.  I rolled out with my homeboys E Mack and Freddie, but we kind of got kicked out of the VIP.  Almost got kicked out the club.  Either-or, also congrats to Keonna for getting a j-o-b at the Discovery Channel.<br />
<br />
<br />
<img src="http://davidgaines.com/images/photos/events/keonnabday062008/keonna02.jpg" alt="Keonna Smith" width="338" height="450" style="border:1px solid #282828" /><br />
]]></description>
 <category>Shout Outs</category>
<comments>http://davidgaines.com/nucleus/index.php?itemid=160</comments>
 <pubDate>Fri, 20 Jun 2008 10:05:00 -0500</pubDate>
</item><item>
 <title>Let&apos;s Talk About Sex Instead...</title>
 <link>http://davidgaines.com/nucleus/index.php?itemid=159</link>
<description><![CDATA[I remember reading in a magazine article one day that people rather share details about their sex lives than their financial standings.  Maybe it’s because we all think we can improve our sex lives much easier than our income or spending habits.  Perhaps it’s easier to exaggerate our sex lives than how much money is in the bank.  Or maybe we’ve all been subconsciously convinced that money is something evil.<br />
<br />
In “<a href="http://www.amazon.com/gp/search?ie=UTF8&keywords=Secrets%20of%20the%20Millionaire%20Mind&tag=therealmofdav-20&index=books&linkCode=ur2&camp=1789&creative=9325">Secrets of the Millionaire Mind</a><img src="http://www.assoc-amazon.com/e/ir?t=therealmofdav-20&amp;l=ur2&amp;o=1" width="1" height="1" border="0" alt="" style="border:none !important; margin:0px !important;" />” by T. Harv Eker, he talks about how growing up, we are inundated with comments about the negatives of money.  Do you recognize any of these negative "verbal programming" quotes?<br />
<br />
&bull;&nbsp;&nbsp;&nbsp;Money is the root of all evil.<br />
&bull;&nbsp;&nbsp;&nbsp;Money doesn’t grow on trees.<br />
&bull;&nbsp;&nbsp;&nbsp;Money can’t buy you happiness.<br />
&bull;&nbsp;&nbsp;&nbsp;Save your money for a rainy day.<br />
&bull;&nbsp;&nbsp;&nbsp;Too much money makes people greedy.<br />
&bull;&nbsp;&nbsp;&nbsp;Do I look like I'm made of money?<br />
&bull;&nbsp;&nbsp;&nbsp;Another day, another dollar.<br />
&bull;&nbsp;&nbsp;&nbsp;The rich get richer; the poor get poorer.<br />
<br />
And then he asks how money positive statements do we hear about money growing up?<br />
<br />
Everything seems to revolve around money.  Without it, in this great country and modern civilization we live in, the basic requirements for a normal life are nearly impossible.  Food, shelter and clothing?  Sure if you don’t mind the soup kitchen, living in a shelter and wearing someone else’s hand-me-downs.<br />
<br />
Money has become almost as essential to survival as oxygen.  The difference is without oxygen, you die instantly; without money, you die a slow death.<br />
<br />
The question then becomes why do so many people not make it a priority?  Not saying to sacrifice your friends and family, your standards of integrity or your left arm to get it.  But why not map out a plan to achieve a level that will afford you the comforts of life without worrying about recession, cost of a barrel of oil or inflation on corn.<br />
<br />
We’ve all heard “pay yourself first,” but some misinterpret that to mean buy some new shoes before paying the electric bill.  Paying yourself first is better applied by investing and using the leverage of time to increase your money’s value.  Many companies offer 401k.  Mutual funds are relatively safe.  Even setting up a money market account as opposed to a savings and/or checking account increases our money’s value.<br />
<br />
Every time I begin writing about money, I started getting emails from friends disagreeing with my concept, arguing that I give too much credit to money being the catalyst to a happy life.  I’m told that those who seek to be rich are the ones who die unhappy because they can’t ever get enough.  The motto seem to be, “more money, more problems.”<br />
<br />
I’m going to continue to write more about our relationship with money, the mindset it takes to successfully have money and the effects of having (and not having) money on people and their perception of the world.  Anyone who prefers not to engage in the subject of money, well, you can email me details of your sex life.<br />
]]></description>
 <category>Financial Freedom</category>
<comments>http://davidgaines.com/nucleus/index.php?itemid=159</comments>
 <pubDate>Wed, 18 Jun 2008 20:13:06 -0500</pubDate>
</item><item>
 <title>Celebrating a 30-Who-Cares-How-Old-Year-Old&apos;s Birthday</title>
 <link>http://davidgaines.com/nucleus/index.php?itemid=158</link>
<description><![CDATA[People, people...<br />
As most of you already know, I'm celebrating my birthday this Saturday, May 17, at Zanzibar on the Waterfront.  I'll be there early <span style="font-size:80%; color:#666">[around 9:00 pm]</span> for my people planning on coming out early to get home early.  I'll be there around the time they open the doors, but I'm closing down the bar so no need to rush.<br />
<br />
I sent out Evites.  If you didn't get it, check your spam/bulk trash folder.<br />
<br />
There will be a live performance by <a href="http://www.emeline-michel.com/">Emeline Michel</a>, a Haitian performer with an African-Caribbean sound, on the first floor.  Second floor is the usual hip hop, rap, reggae, soul and my favorite &mdash; go go.  The cost is $25 at the door.<br />
<br />
Dress code: Give them a call at (202) 554-9100, but last time I went, jeans were cool, no sneaks, no boots, no athletic gear and no head gear.<br />
<br />
Around midnight we will meet up on The Deck.  The entrance to The Deck is on the second floor.  This way my people can meet the rest of my people and it gives me a chance to say "hey" and "thank you" to everyone.  If you smoke stogies, bring 'em.<br />
<br />
The club is in walking distance to the Waterfront Metro Station on the green line.  There's plenty of parking in the area.  If you get there early you might find free parking on the street.  If not, I have no idea how much it costs.  The address is 700 Water Street SW.<br />
<br />
Be sure to RSVP on the Evite so I know to look for you.  If you need me to resend it, just email me.  Otherwise, I'll see you Saturday.<br />
<br />
]]></description>
 <category>Announcements</category>
<comments>http://davidgaines.com/nucleus/index.php?itemid=158</comments>
 <pubDate>Wed, 14 May 2008 17:18:29 -0500</pubDate>
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  </channel>
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