Saturday, March 24, 2012

Sherman the Shorebird was At The Exxon Yesterday

A Little More Heron Pond


Monday April 9th there will be a hearing to change the zoning in Phase 3 Heron Pond from Residential to Commercial - pretty much a given that this will be approved.

The Street Sweeper Was Out Yesterday


Public Works ran the Street Sweeper down the street yesterday.

The Hunger Games

Things You Dream of

Picked Up from the Rockville MD Patch


On Friday morning, a driver on Interstate 270 might've found a financial windfall of another kind, Maryland State Police said.

About 9 a.m. an armored vehicle traveling northbound dropped a load of cash, state police said in a news release.

The U.S. currency, in various denominations up to $50 bills, is believed to have fallen from an unsecured door of the armored vehicle somewhere south of Route 109, the release said.

One driver told the Associated Press that the scene looked like "a snow globe of cash."

Maryland State Police Sgt. Mark Cummings told the AP that two bags containing about $5,700 in cash and coins spilled onto the roadway.

State police are asking anyone who picked up any money off of I-270 on Friday to take it to the Rockville Barrack, at 7915 Montrose Road.

"Police will ask no questions or render charges on anyone who makes the return," the release said

Friday, March 23, 2012

Georgetown man catches state record-sized largemouth bass


DNREC Press Release - DOVER (March 23, 2012) – When James D. Hitchens of Georgetown set out yesterday for his favorite Sussex County fishing hole, he planned to catch largemouth bass, baiting his line with a live shiner minnow. However, he didn’t expect to set a new state record for the size of the largemouth bass that took his bait. “I’ve never had one over eight pounds,” Hitchens said. “So I was hoping for over eight pounds.”

Hitchens got his wish and then some when he reeled in a 10-pound, 10-ounce female largemouth measuring 26 inches long and 18 3/4 inches in girth, as measured at Taylored Tackle Shop in Seaford and verified by DNREC Fisheries biologists Nathan Rust and Jordan Zimmerman. During the certification process, the tackle shop kept the fish in an aerated tank, and after it was measured and verified, Hitchens released it, alive, back into the pond where he caught it. “I put her right back where she came from,” said Hitchens, a longtime Delaware angler. “I release all my big fish.”

Fisheries staff applauded Hitchens’ good sportsmanship in releasing his record catch. “We encourage catch and release fishing in Delaware, especially with larger fish like this one,” said Fisheries biologist Cathy Martin. “Not only will this fish be back out there for other anglers to enjoy, it should also see another spawning season to pass on its good genes to another generation of largemouth bass and thereby improve our bass stock.”

Division of Fish and Wildlife Fisheries staff monitor Delaware’s freshwater ponds and their fish populations, Martin said. Biologists have a variety of tools for managing fisheries: specialized regulations such as slot limits, stocking programs to bolster the population, removing specific size groups to reduce overcrowding and balance populations, habitat changes such as removal of invasive species, and supplementing food supply, for example, by stocking shiners. “Having healthy fish the size of the new record-holder largemouth bass in our ponds is a good indicator of the success of these management practices,” Martin added.

Since 1937, Delaware also has received funding from the federal Wildlife and Sportfish Restoration Program. Last year, the state Fisheries Section received about $3.5 million in federal matching funds to help support state fisheries restoration work, with Delaware fishing license fees supplying the match for the federal program.

“Later this year we will celebrate the 75th anniversary of this longstanding state and federal partnership, which is a great model for how to accomplish cost-effective resource management funded by those who directly benefit from the resource – the anglers. The general public benefits from this funding model and partnership as well,” said David Saveikis, Director of the Division of Fish

Delmar Kiwanis Club Community Easter Egg Hunt

Delmar Kiwanis Club Community Easter Egg Hunt - Saturday March 31st, 2012 at 12 noon; Delmar Senior & Middle High School Football field

Remember Tomorrow Is Eggstravaganza

Delmar Nursing Home will hold it's first Easter Eggstravaganza on Saturday, March 24, 2012 from 1-3 pm. Egg hunt starts at 1:30 p.m. There is NO Cost to attend and all are welcome. There will be the egg hunt, games and prizes for children, bounce house and the Easter Bunny will be there. BRING YOUR OWN BASKETS !!!

Thursday, March 22, 2012

The March Planning and Zoning Commission Meeting

The Delmar Planing and Zoning Commission had their meeting tonight. I think all the members were present; Ed Ferro, Tom Luffman, Eric Cateller, David Ring, Robt Thompson, Joe Dixon, and Wm. Boyan.

As members of the commission leave and new members come in, the priorities and outlook of the commission changes. It was very obvious tonight that there will be a more lenient outlook toward zoning request in the future from this group.


First up to address the commission was Doug Marshall who wanted favorable approval from the Commission for a different size home and permission to being construction in Heron Pond. As an update he said he has two of the four existing homes sold in Heron Pond and has a contract to sell a third. The fourth one he wants to use as a model home and office. He is planting hay in most of the development to cover up the present landscaping. He would like to build five homes a year and his presentation tonight was asking to start building three of those homes. He has gone to a smaller home (under 1800 sq ft and in the $155,000 to $199,000 range) as that is what the market is asking for. He presented views and elevations of the homes to the commission.

Robert Thompson asked for a plat of the development as he feels the whole concept of Heron Pond has changed from the original Plat. He also stated he feels the development with the changes suggested will require 20% open space instead of the original 15% open space approved. Marshall seem to have a concept but no plan he could give the Commission but he still wants to build three houses right away anyway.

Tom Luffman spoke up and said he felt Marshall should be allow to build the houses and he could bring the new Plat and open space plan in at a later date.

For some reason the Commission felt this was okay and gave favorable recommendation to the Mayor and Commissioners to approve building of three houses and to bring in a plan in in three months.

Personally I think the commission made a mistake and is setting themselves up for problems with this development and other developers by not requiring Doug Marshall to have his paperwork in order before he starts anything.



Above the Commissions intensely mauls over the problem


Last on the agenda was Tammy Watts from Verizon Wireless of Delmar (31010 Thorton Blvd, Unit 3, Delmar Delaware 302-907-0360). She said the business had a downturn in sales because people riding by did not know they were there and in order to increase customer traffic she was requesting three signs to be put out front of her business. As you may recall this is the same shopping center in which Shayona Pharmacy requested a second sign on the back of the building in order to increase customer awareness of his business and his request was turned down based on the ordinance saying only one sign per business can be displayed. The signs Ms Watts is requesting are of the flag type (flutter signs.)

Again Tom Luffman and others felt that in order to get the business off the ground approval should be given for these flag signs. The commission in total voted to give favorable approval for three additional signs for Verizon Wireless to be put out during business hours and only for a period of three months.

Back in January 2011 Yorkshire Estates sent two women over to P&Z and got approval for their project (new Home styles.) I would have to say if you want a project approved in Delmar you stand a much better chance if you have women make the request to Planning and Zoning instead of men. Take Note Dilip Katrodiva of Shayona Pharmacy.

The Cat Watch


Our cat has been supervising construction and keeping an eye out for Thunder.

Summer and the Tulips are Blooming

The Restrooms


The foundation has been completed for a new restroom and hopefully in a couple of week it will be installed.

Construction on Delaware and First Street


Pollen and dust from the construction on Delaware and First Street is all we have seen in the past three weeks. It was good we had a warm winter as it means this will be over with sooner but right now any attempt to open the windows in your house results in a layer of dust in your house. The cars are covered in dust. The siding on our houses are covered in dust. The construction crew doesn't seem to finish any one area instead they work on this block one day and the next day they work on a section three blocks away.

Thunder Is Missing

Chicken N Crust Dinner March 31st


Adults $12 Kids $5
Camelot Hall 4 to 7 pm

Wednesday, March 21, 2012

Double Mills Grist Mill annual Members' dinner

Dear friends and members of Double Mills Grist Mill;

We will be having our annual Members' dinner on March 27th at the Double Mills Community House at 6 pm. Please come join us for dinner and entertainment, as well as an update on the mill restoration. This year we will be having a presentation on Civil War Medicine by Bill Campbell, pH D. Dr. Campbell is a professor at Salisbury University and is a Civil War enthusiast. He has several talks on the topic of medicine and nursing in the Civil War, as well as Fort Delaware and its role in the conflict. For our event we have chosen to hear about Civil War Medicine. In addition to a spectacular presentation, there will also be many medical artifacts from the era on display, including various medical instruments, pharmaceuticals, etc. We sincerely hope you will be able to join us for a very special evening.

Sincerely,

Stephanie Elliott, Treasurer
Double Mills, Inc.


*There is no charge for the event. RSVP to stephanie@doublemills.org by March 23rd

Tuesday, March 20, 2012

Another Scrap Theft

Picked Up from WGMD

A Delmar, Maryland man arrested for stealing scrap metal on Saturday has been released on his personal recognizance.

Wicomico County Sheriff’s deputies were called just before 2 p.m. for reports of theft of scrap metal in on Rum Ridge Road; the owner told deputies he caught Jordan Kent stealing old metal tractor parts valued at $700; Kent then fled but the owner was able to get his license plate number.

Kent was arrested a short time later and charged with theft under $1,000

Cat Photo

Working For Less

Call it the "shadow economy" or ”cash under the table economy”, or wage theft, we are all familiar with working for less than minimum wage or getting screwed by your company that results in having your wages reduced.

I am not talking about people who are legally screwed by our government; "tipped employees." They are a class of employee for which the standard Federal minimum wage does not apply. Instead, employers must pay a tipped employee at least $2.13 an hour. However, the law also states that if an employee's wage plus that employee's tips do not equal at least the standard minimum wage (currently $5.85 nationally, higher in some states), the employer must make up the difference – fat chance of that happening.

Therefore, it is never correct to state that "waitresses make less than minimum wage." No, they don't. Their normal hourly wage may in fact be less than minimum wage, but the amount of money they earn from wages and tips will always be at least minimum wage (or if not, the employer is breaking the law or sometime the waitress is breaking the law by reporting less). Nationwide, more than 5 million employees work in occupations where tips are common, including taxi drivers, food and beverage servers, hotel porters and housekeepers, manicurists, and hair stylists, to name a few.

I am also not talking about the companies that decided you are an “exempt” employee and as such not entitled to overtime but they expect you to work sixty-to- eighty- hours a week, thirty of which are spent doing the work of the hourly person they laid off. Nor those companies who hire people in as “Independent Contractors” knowing full well they are paying them less then minimum wage and they don’t meet the requirements of “Independent contractors.” Nor those “Intern” jobs, Nor even those jobs in which you are expected to “clock out” after your shift and then stay around to clean up.

The ones I am hearing more about are those workers who are taking jobs that pay less than minimum wage but are paid in cash. I am sure some of you have worked them as a second job – that situation where some small employer offers you five dollars an hour or some fixed amount per day, in cash, to work for them. Call it the "shadow economy" or the underground economy. Pick an adjective, any adjective: informal, gray, black market, under-the-table, hidden, unobserved. There are many different names for the realm where taxes aren't paid, labor laws are ignored, and cash is king. The underground economy has always existed. It use to appeal to old people who were supplementing their retirement or teenagers who could not find a job elsewhere, maybe even a wife whose kids had gone to school and she could work for four or five hours a day.

I am hearing more of these types of jobs coming into play. This time they are not being filled by old people or teenagers but a workforce that cannot find a job anywhere so they fall back into the shadow world of less than minimum pay jobs. Some may be drawing unemployment benefits but there are number of them that have been dropped from receiving additional unemployment benefits.

You can find them where small employers have two or three people working for them. Convenience stores, flea markets, motels, snack shops, courier services, cleaning services – Ocean City is full of them, but also every town on Delmarva has them.

You might think they are unskilled or lack education but none of those two criteria apply. You might say well these people like that kind of work - seriously do you think someone likes working for that amount of money? The shadow economy is where people end up after having been downsized or forced out of their homes or displaced by globalization and greed. But do you really think they can live on $5 an hour any better then minimum wage per hour or unemployment? Why do you think the crime rate involving stealing of scrap metal and everything else is up?

The people who should be taking steps to correct the job situation can’t agree among themselves (Congress) but still you vote the same people back into office. Maybe one day when you take a job for less than minimum wage and you are thankful for even that you will finally do something about it.

In Howard's informal survey of people who were willing to talk I can say the cash and working for less than minimum wage is up - way up, higher than I have observed it in the past.

Tattoos - They Stay With You All Your Life


Irene Bobby

Ocean City MD 1960's


I picked this up off the internet as a postcard. It says it was Ocean City Maryland in the 1960's but look at that place - spotless - sure isn't the Ocean City I remember. No sand on the floor even the barefoot people don't have sand on them.

The 2012 Iditarod Trail Sled Dog Race has officially ended


The 2012 Iditarod Trail Sled Dog Race has officially ended after two weeks with musher Jan Steves taking the Red Lantern award on Monday morning.

The 55-year-old rookie musher from Edmonds, WA crossed the Burled Arch on Front Street in Nome at 2:57 a.m. March 19.

Steves extinguished the flame in the Widow’s Lamp, which signifies that all mushers and their teams were safely off the Iditarod trail.

She was the 53rd musher to complete the nearly 1,000 mile journey from Anchorage, and then restart in Willow, and finishing in Nome in 14 days, 11 hours, 57 minutes and 11 seconds.

Veteran Iditarod musher Bob Chlupach crossed the finished line two minutes before Steves, but according to GPS tracking Chlupach and Steves kept a similar pace traveling side-to-side for much of the race after the restart in Willow.

66 mushers entered this year’s race and 13 mushers scratched or were withdrawn.

Three generations of the Seavey family finished the Iditarod with 25-year-old Dallas Seavey becoming the youngest person to win the Iditarod on March 13, followed by his father Mitch Seavey finishing in the top on March 14, and grandpa, Dan Seavey, checking into Nome in the 51st position on March 18.

Tomorrow Night Dulcimer Music Program - Laurel Library

Dulcimer Music Program A program developed around dulcimer music and the folk sounds associated with this ancient instrument will be presented at the Laurel Public Library on Wednesday, March 21, in the Carpenter Community Room at 6:30 p.m. Seaford resident and area musician John Kisela will be on hand to play melodies, and to discuss the artistry and history of a stringed instrument that is often associated with Appalachian or mountain music. The program will consist of a variety of seasonal songs and discussions, is appropriate for ages 12 and over, and will last for approximately one hour. For more information, email normajean.fowler@lib.de.us or visit www.laurel.lib.de.us.

Spring Clean Up Day Is Coming To Delmar

Clean-up days in Delmar The town of Delmar will hold spring clean-ups on the following dates: Delmar - April 11-12 and Delmar, Md. - April 17-18. Collection times will be between 7:30 a.m. and 3:30 p.m. To participate, residents and civic organizations are asked to contact the town's administrative office at 410-896-2777 or 846-2664 no later than the week before collection. The resident's or organization's name, address or location, contact phone number and a brief description of the items to be picked up must be provided to the town. The following items are not eligible for collection: automobiles; oil, gas cans; riding lawn mowers; air conditioners; construction materials; large tree stumps; automotive parts; heavy machinery; tires; freezers/refrigerators; paint; sleep sofas; chemicals; and any item containing freon. Limbs over three feet must be bundled and window frames must have the glass removed. Only one couch and one box spring and mattress will be removed from each household. Contact the town for more information.

The Delmar Alumni Association Meeting

Alumni Association's annual meeting The Delmar Alumni Association will hold its annual meeting at 7 p.m. on Monday, March 26, in the Delmar High School library. A very important item of business will be the election of officers for the upcoming year. Alumni Association members are encouraged to attend this annual meeting

Delmar Alumni Banquet The 10th Annual Delmar Alumni Association banquet will be held on Saturday, April 28, at the Delmar VFW. Social hour will begin at 5:30 p.m. and will be followed by a prime rib and crab cake dinner at 6:30 p.m. A highlight of the evening will be the presentation of scholarships to the 2012 scholarship recipients, special guests at the banquet. Chinese and live auctions will be held again this year. Donation of items for the auctions would be most appreciated. Cost is $22 per person. For more information, contact Gary Riley ('82) at 846-3846.

At The Library


Introduction to Yoga will be held each Wednesday evening in March and April from 6-7 p.m. Taught by instructor Chrys Egan, this free class is available for adults of all ages. Participants should bring a yoga mat or beach towel and wear comfortable clothes for easy movement.

Planning and Zoning Meeting This Thursday

The Delmar Planning and Zoning Commission will hold it's monthly meeting at 7 PM in Town hall this coming Thursday. Among the items on the agenda are;

Heron Pond plans

Three signs requests for Verizon Wireless of Delmar ( Tammy Watts)

This Saturday Eggstravaganza

Delmar Nursing Home will hold it's first Easter Eggstravaganza on Saturday, March 24, 2012 from 1-3 pm. Egg hunt starts at 1:30 p.m. There is NO Cost to attend and all are welcome. There will be the egg hunt, games and prizes for children, bounce house and the Easter Bunny will be there. BRING YOUR OWN BASKETS !!!

Spring Is Here



Spring is here

Rita giving away their free italian water ice.

Monday, March 19, 2012

Tracking Your Ancestors II


Put on by the Sussex County Genealogical Society
Remember save $10 if you register before April 1st.

DNREC’s 2012 Mosquito Control

DNREC’s 2012 Mosquito Control season begins with spraying of wooded wetlands
DOVER (March 19, 2012) – With the early arrival of warm weather, DNREC’s Mosquito Control Section has begun its annual spring woodland-pool spraying, treating wooded wetlands near populated areas in New Castle, Kent and Sussex counties. Approximately 7,000 to 10,000 acres with woodland pools where early season mosquitoes breed in quantity will be strategically larvicided by helicopter and possibly airplanes.

“With the mild winter and apparent early spring that could cause the forest canopy to leaf out early, we’re starting our woodland pool spraying a little early this year,” said Mosquito Control Administrator Dr. William Meredith. “We’re already seeing significant mosquito hatches during the recent unseasonably warm days, so this is the perfect time to begin.”

Aerial spraying of woodland pools must be completed before the forest canopy fills in with leaves, usually around mid-April, because leaves prevent the insecticide from reaching pools and other wet spots containing larvae on the forest floor. The spring campaign marks the beginning of Delaware’s mosquito season, which in most years continues until sometime between mid-October and early November, depending upon when the first killing frost occurs.

If larval stages of these early season mosquitoes are not successfully controlled, an intolerable number of biting adult mosquitoes could take wing by early to mid-May and remain through late June, becoming particularly troublesome within one to two miles of their woodland pool origins, and significantly affecting local quality of life for residents and visitors alike, said Dr. Meredith. As in past years, only woodland pools near populated areas will be treated.

“Delaware has about 100,000 acres of wet woodlands and it is not possible logistically or for budgetary reasons to larvicide all woodland mosquito-rearing habitats,” said Dr. Meredith. “Targeting the pools near populated areas is the best return-on-investment in providing mosquito relief to the most people.”

Over the next few weeks, Mosquito Control will apply a bacterially-produced insecticide, Bti. “Like all insecticides used by the Section, the U.S. Environmental Protection Agency has determined that Bti, when used in accordance with all EPA-approved instructions as required by federal law, can be applied without posing unreasonable risk to human health, wildlife or the environment,” said Meredith.

The amount of spraying needed is determined by where the woodlands are and how wet they are, which can vary from year to year depending on the location and amount of precipitation that has occurred over the past autumn, winter and early spring.

As in the past, advance public notice of when and where spraying will occur this year will be given daily via radio announcements, by calling 800-338-8181 toll-free, or by visiting the Mosquito Control website. Interested parties may also sign up for email mosquito control spray announcements by going to the DNREC website and following directions for receiving the notices.

During mosquito season, the public is encouraged to do its part to reduce mosquito-rearing habitat by cleaning clogged rain gutters, keeping fresh water in birdbaths, draining abandoned swimming pools and emptying standing water from such containers as scrap tires, cans, flower pot liners, unused water cisterns, upright wheelbarrows, uncovered trash cans, depressions in tarps covering boats or other objects stored outside.

To request local relief, call Mosquito Control’s field offices:

· Glasgow office, 302-836-2555, serving New Castle County and the northern half of Kent County including Dover

· Milford office, 302-422-1512, serving the southern half of Kent County south of Dover and all of Sussex County.

For more information about Delaware’s Mosquito Control program, please call the Dover office at 302-739-9917.

The Delaware Mosquito Control Section provides statewide services to more than 880,000 residents and more than 2 million visitors annually to maintain quality of life and protect public health by reducing the possibility of mosquito-borne illnesses such as West Nile virus. Throughout the warmer months, Mosquito Control monitors and treats mosquito populations that emerge from wetland areas found throughout the state, including ditches, stormwater ponds, wet woodlands and coastal salt marshes. The Section also works year-round on water and marsh management projects designed to reduce mosquito populations, and provides the public with information on dealing with mosquitoes, from reducing backyard breeding to avoiding mosquito bites.

Sunday, March 18, 2012

Cemeteries and Perpetual Care Funds

I have written previously that the Lower Delmarva Genealogical Society received a gift of material pertaining to Marion Station, Maryland. A good part of it was related to the three cemeteries in that area. I was reading a letter in the box of material that concerned the St. Paul Perpetual Care Program. St Paul cemetery is like many small non-commercial cemeteries in the area. The maintenance of the cemetery came from three sources. The cemetery offered two plans for cleaning and maintaining the cemetery as a whole and the individual lots. One was an annual fee survivors/families of the deceased would pay for cleaning which usually ranged between $5 to $10 a plot. The other plan was the Perpetual Care Program where the buyer of the plot would have included in the plot a charge for cleaning the plot “forever.” The third was families took care of their own plots. Of course there was also those who didn’t pay anything due to all family members dying off or no longer lived in the area.

When this letter was written (in the 1960’s) the cemetery had invested their money and was receiving about 4% interest which was enough to pay the groundskeeper. So what is the effect today when the Federal Reserve’s December 17th 2008 decision to cut its interest rate to less than a quarter of a percent (meant to encourage investors back into the stock market) plus the effect of printing money with nothing to back it. I can not help but think for many cemeteries, the prospect of depressed interest rates will have dire consequences to endowed/perpetual care trusts that are subject to state laws which limit or restrict equity investments. With Bank interest rates between a quarter of a percent to one percent and the stock market only a couple of points higher and State laws historically have imposed conservative investment standards upon endowed care funds to ensure preservation of the trust corpus, bad times are ahead for many cemeteries.

In Delaware, businesses that sell burial lots with perpetual care for profit has to deposit a sum equal to at least one tenth of the gross sales price for the maintenance of burial lots sold with perpetual care into a trust fund. I knew someone once who owned a cemetery back in the 1980’s and he was telling me what a great deal it was as they had all this money in a trust fund that paid their expenses and any selling of plots was gravy money. But the question is does the interest rate produce enough money today to maintain the cemetery? Already several older non-profit cemeteries that did not have any form of fund set up for care have become overgrown and volunteers and municipalities have to clean up and maintain these cemeteries. If not they become hangouts for various people. How long will the other cemeteries be able to hold out before asking for aid? In effect the Federal Government by lowering the interest rate has once again put a “Tax” on everyone who is interested in keeping up standards for the community.

Indian Loans

There are days when I think Delmar is the center of the “get cash fast” businesses. Another “get cash fast” business I have seen on TV recently is the Western Sky Financial commercial that starts out with;

How would you like up to $2500.00 almost instantly? Here at Western Sky Financial, we'll lend you this money almost instantly and with no collateral whatsoever. Sure, it's expensive, ....... Call us now.”

A Indian (for those who are politically correct - Native American) Loan company! Looking at their website it says;

WESTERN SKY FINANCIAL is owned wholly by an individual Tribal Member of the Cheyenne River Sioux Tribe and is not owned or operated by the Cheyenne River Sioux Tribe or any of its political subdivisions. WESTERN SKY FINANCIAL is a Native American business operating within the exterior boundaries of the Cheyenne River Sioux Reservation, a sovereign nation located within the United States of America.

Sovereign nation?

According to that well known authority Wikipedia The federal government recognizes tribal nations as "domestic dependent nations", close enough for me.

Anyway it is another loan company that avoids state interest rates laws by operating in a "Sovereign nation." Now I don't know how much of it is "Indian" owned, it may be like the "Indian" Casinos that are mainly owned by people in Hong Kong and Singapore, maybe with some front people that are Indians. Actually I understand once the loan is taken out it is "sold" to a nationwide pay day loan company.

These loan companies stay in business because there is a demand for them. Much like the poor credit habits of the United States Government, people are use to borrowing money and not caring what the interest rate is. Many have now reached the point where they are at the end of their rope; house about to be reprocessed, unemployed, utilities cut off yet they seem to think something will save them so they take a loan out at 300% interest. Maybe they think that long shot at the horse race will come in and they can pay it off.

What do their interest rate look like? A $2,600 loan, the annual percentage interest rate is 139.34% and is set up for 36 months, that is well over 10,000 dollars for a 2,600 dollar loan (amount of $2,525.00, which is the loan amount of $2,600.00 minus the $75.00 Prepaid Finance Charge/Origination Fee). The second loan is a $1,500 loan with a APR of 199.98 percent, a little over 7,000 dollars if the applicant takes the full three years to pay it back.

Plus this little disclaimer is thrown in;

"All loans will be subject solely to the exclusive laws and jurisdiction of the Cheyenne River Sioux Tribe, Cheyenne River Indian Reservation. All borrowers must consent to be bound to the jurisdiction of the Cheyenne River Sioux Tribal Court, and further agree that no other state or federal law or regulation shall apply to this Loan Agreement, its enforcement or interpretation. The loan agreement contains an agreement to arbitrate all disputes in which borrowers agree to waive their right to a jury trial, to have a court decide any dispute, and to participate in a class action lawsuit, and to certain discovery and other procedures that are available in a lawsuit. If you do not wish your account to be subject to this arbitration agreement, you must advise us in writing. It is not sufficient to telephone us. we must receive your letter or e-mail within sixty (60) days after the date your loan funds or your rejection of arbitration will not be effective. in the event you opt out of arbitration, any disputes hereunder shall nonetheless be governed under the laws of the Cheyenne River Sioux Tribal Nation."

Anyway Indian No Speak With Forked tongue, Information All There, If You want to Be a fool Go For It.

Wicomico County Free Library Book Sale

Wicomico Public Library will have a Spring Book Sale on Fri., Apr.13, and Sat., Apr. 14, to help celebrate National Library Week 2012.

Wake Up


It's Time To Feed Us