M|Welsh Design

• 750 miles, lost some weight and have enjoyed the ride to work. Not so much the ride home.
• 15 mi/gal
• $4 per gal
• $200.00 savings roughly.
• .6 metric tons of CO2 reduction. << not much but whatever.
• Extended brake and tire life ( $300-400 for brake and tire job)

73k on the car.

Electric hybrid bike or pedelec..

17 mi each way avg 20 mph on the trails

travel time 1 hour.

Ride 3 days per week avg.

work at home 2 days

avg fill up at wawa $72 I used to fill up every week so in reality $72 x 4 = 576 over 2 mos reduced to $376 over the same period.

Health effects are clear, cardio, stamina and overall fitness is getting better. Initial weight at start. 221 lbs

current weight 218 and dropping.

eating habits have modified to more small meals in a day. eating breakfast has been key

http://en.wikipedia.org/wiki/Credit_default_swap

Holy crap this is a key contributing factor….

You default on a mortgage and the under, underlying insurance company is screwed….

Have too many of them and the investment bank goes out of business…

Risky borrowers with the too good to be true mortgage rates that adjust (mental morons) get a mortgage… then default… mortgage backed securities to spread the risk screwed the taxpayer esp since i gotta keep paying my mortgage and taxes…

Glass-Steagall Act…Phil Gramm… Jimmy Carter and Why I won’t vote republican & maybe not democrat…

The Glass-Steagall Act of 1933 established the Federal Deposit Insurance Corporation (FDIC) in the United States and included banking reforms, some of which were designed to control speculation.^{[citation needed]} Some provisions such as Regulation Q that allowed the Federal Reserve to regulate interest rates in savings accounts were repealed by the Depository Institutions Deregulation and Monetary Control Act of 1980. Provisions that prohibit a bank holding company from owning other financial companies were repealed on November 12, 1999 by a bipartisan, conference committee version of the Gramm-Leach-Bliley Act signed by President Bill Clinton (excerpted from wiki page)

http://en.wikipedia.org/wiki/Glass-Steagall_Act