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Month: May 2017

Cool Credit Agencies images

Cool Credit Agencies images

Various good credit bureaus pictures i came across:

Mrs. Brooks Martin, Jackie and Kathy (twins). 1st place winners, Family Group, Alcorn County Farm Bureau, Corinth.
credit reporting agencies
Image by Mississippi Department of Archives and History
Range: Mississippi Farm Bureau Federation Range
Call quantity: PI/2010.0002/Series II
System ID: 106494.
Connect to the catalog

Mrs. Brooks Martin, Jackie and Kathy (twins). first destination winners, Family Group, Alcorn County Farm Bureau, Corinth.

Please see our profile page for information about ordering.

Scanned as TIFF in 2011/10/17 by MDAH.

Credit: Courtesy of the Mississippi Department of Archives and History

credit reporting agencies
Image by BLMOregon
Scientific name: Sisyrinchium
Typical name: Blue-Eyed Lawn

Spring is here now while the flowers come in complete bloom at certainly one of Oregon’s normal treasures.

Located on the western side of Eugene, Oregon, the western Eugene Wetlands (WEW) is a beautiful and unusual area of grassland habitats. Composed of not as much as one per cent for the initial indigenous wet prairie, the WEW hosts over 200 species of wildflowers, flowers, wild birds, and pets, including four threatened and endangered species: Fender’s blue butterfly, Kincaid’s lupine, Bradshaw’s lomatium, and Willamette daisy.

The BLM’s Eugene District, in collaboration along with other Rivers to Ridges lovers, works to protect and restore this important wetland ecosystem into the Southern Willamette Valley. This excellent project requires national, condition, and neighborhood agencies, along with non-profit companies, working together to control places and resources in an urban area for numerous general public benefits. Each year, Willamette sources & Educational system (WREN) provides hands-on, minds-on ecological knowledge to over 1,500 neighborhood students.

Picture credits: Christine Williams, Mackenzie Cowan, Sandra Miles, Sally Villegas, and West Eugene Wetlands staff.

For directions or even to prepare a visit into West Eugene Wetlands:

credit agencies
Image by United States Division of State
Ca’s Temblor Number

Radiant splashes of shade from the Temblor Range throughout the Super Bloom in Carrizo Plain nationwide Monument.

The 2017 Superbloom over the southwest ended up being someone to bear in mind. Visitors to secure managed by the Bureau of Land Management in Arizona, Ca, and Nevada recorded the Superbloom following annually of unprecedented precipitation when you look at the western with amazing photographs while the hashtag #TracktheBloom. Participating people in the general public submitted pictures regarding the superbloom on a regular basis together with #TracktheBloom promotion has received impressive media coverage through the New York instances, the Washington Post, the l . a . instances, and ABC News, to call just a couple of.

Photo credit: via Bureau of Land Management

David Birch: A new way to stop identity theft

David Birch: A new way to stop identity theft

David Birch: A new way to stop identity theft

Bartenders need to know your age, retailers need your PIN, but almost no one actually needs your name — except for identity thieves. ID expert David Birch proposes a safer approach to personal identification — a “fractured” approach — that would almost never require your real name.

TEDTalks is a daily video podcast of the best talks and performances from the TED Conference, where the world’s leading thinkers and doers give the talk of their lives in 18 minutes (or less). Look for talks on Technology, Entertainment and Design — plus science, business, global issues, the arts and much more.
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Children ID Theft

From Today Show 5-12-2011

Identity Thief – Stolen Credit Card Information

Identity Thief – Stolen Credit Card Information

A few nice identity theft protection images I found:

Identity Thief – Stolen Credit Card Information
identity theft protection
Image by cafecredit
Photo by CafeCredit under CC 2.0

You can use this photo for FREE under Creative Commons license. Make sure to give proper author attribution to

Thank you for respecting Creative Commons license.

P.S. Need more photos like this? Check out my flickr profile page.

Sweet Debt Guidance pictures

Sweet Debt Guidance pictures

Some cool financial obligation counseling pictures:

debt counseling
Image by Coram Deo “Living Before The Face of Jesus”
Psalm 119:154 (ESV)
154 Plead my cause and redeem myself;
offer me personally life in accordance with your vow!

Redeemer, Redemption.

English words produced from a Latin root meaning “to get back,” thus meaning the liberation of every control, object, or person, typically by payment of a ransom. In Greek the root word suggests “to loose” and so to free. The term is used of releasing from stores, slavery, or prison. In the theological framework, the word “redemption” suggests a freeing from the slavery of sin, the ransom or cost covered freedom. This idea is suggested inside Gospels, which discuss about it Christ who came “to give his life as a ransom for most” (Mt 20:28; Mk 10:45).

Old Testament Words.

For a complete knowledge of the idea of redemption, it is important to check out the OT. You can find three different words found in Hebrew, depending on the certain scenario, which convey the idea of redemption. The meaning among these redemptive terms rests on appropriate, social, and religious traditions that are foreign to modern-day tradition. An understanding of tradition is needed for an understanding regarding the language and its own use.

The initial term used for redemption has actually a legal framework. The verb pādāh is employed whenever an animal substitutes (or redeems) you or another pet. The noun produced from the basis suggests the ransom or price paid. When you look at the Greek language this term is generally translated because of the verb luō, which means that “to loose.” The noun based on this term, lutron, could be the cost paid for loosing or freeing, for this reason, the ransom.
Whenever a full time income being, person or animal, calls for redemption, the substitution should be made, or cost paid, usually the being involved is killed (Ex 13:13; 34:20). But there is certainly proof that guideline wasn’t always purely followed (Ex 21:8; Jb 6:23).

The idea of redemption had special significance for the firstborn. The firstborn male, both guy and beast, belonged to Jesus. The theory is that the firstborn was sacrificed to him. It was done in the truth of numerous animals, although real human firstborn and some creatures had been redeemed (Ex 13:13; 34:20; Nm 18:15, 16). Inside redemption associated with the firstborn son, an animal was replaced, although later a sum of cash ended up being paid (Nm 18:16). Unclean pets were redeemed by substitutions of a sacrificial animal or put to death (Ex 13:13; 34:20; Nm 18:15).
A particular instance had been your pet or individual assured on Lord. Such a single had been sacrificed without exemption. The Lord made no allowance for the redemption of persons or creatures so committed.

But regarding King Saul along with his child an exception had been made (1 Sm 14:24–46). Saul had put a curse on anybody eating at the time of a particular struggle. When he learned that their son, Jonathan, had (unknowingly) violated his edict, he still ordered him put to death. The people intervened and redeemed Jonathan by substituting an animal give up in the destination.

The 2nd term included may be the Hebrew root gā’al, which is used primarily in relation to household guidelines and obligations, the rules regulating household property liberties and tasks. For example, should a piece of residential property be lost to a relative, the next-of-kin had both right and the responsibility to get this residential property. This right of redemption safeguarded your family inheritance. The noun based on this root is the same as the English root redemption, and individual who buys back the property is the goel or redeemer.

Walter A. Elwell and Barry J. Beitzel, Baker Encyclopedia for the Bible (Grand Rapids, MI: Baker Book House, 1988), 1827.

10. Will God suffer such disobedience and apostasy going unpunished?
debt counseling
Image by Coram Deo “Living Ahead Of The Face of God”
In no way (Rom 5:12; Heb 9:27); but he could be terribly displeased with this inborn in addition to actual sins, and will punish all of them in just wisdom with time and eternity (Heb 10:31†; Gen 2:17†; Ps 5:4–6†; 7:11†; 50:21†; 90:11†; Nah 1:2†; Exod 20:5†; 34:7†; Deut 28:15†; Rom 1:18†; 2:5, 9†; Eph 5:6†), while he features declared: Cursed is every one that continueth maybe not in most things that tend to be written in the guide for the legislation, to accomplish them (Deut 27:26; Gal 3:10).

The Writing associated with catechism is reproduced from, “The Heidelberg Catechism. A.D. 1563,” in Philip Schaff and David S. Schaff, eds., The Creeds of Christendom (1931; repr., Grand Rapids: Baker, 1996), 3:307–55.

National Small company Week Day 1

National Small company Week Day 1

A few wonderful yearly credit report photos I found:

National Small Company Week Day 1
annual credit score
< img alt=" annual credit scores rating" src="" width=" 400"/ > Picture by< a href= "" > ShashiBellamkonda The U.S. Small company Management’s National Local business Week was kept in Washington, D.C., marking the 56th anniversary of the agency, as well as the 46th yearly announcement of National Small

Business Week. Greater than 100 small company proprietors from throughout the nation gathered at the Chinese Oriental Hotel in addition to keynotes as well as panels fro leading audio speakers consisting of Karen Mills, Manager, U.S. Small company Management as well as Michael Porter
Bishop William Lawrence College Teacher, based at Harvard Company Institution

( cc) Shashi Bellamkonda Social network Swami Network Solutions If you utilize this photo please credit rating as shown.

National Local business Week Day 1
annual credit score
< img alt=" annual credit report score" src ="" size =" 400"/ > Image by< a href ="" > ShashiBellamkonda The U.S. Small Organisation Management
‘s National Local business Week was held in Washington, D.C., marking the 56th wedding anniversary of the agency, and also the 46th yearly proclamation of National Small Company Week. Greater than 100 local business proprietors from across the

nation collected at the Chinese Oriental Resort in addition to keynotes and panels fro leading speakers consisting of Karen Mills, Administrator, UNITED STATE Small Service Administration and also Michael Doorperson Diocesan William Lawrence College Professor, based at Harvard Service College(
cc) Shashi Bellamkonda Social network Swami Network Solutions If you utilize this photo please credit rating as revealed.

Second Possibility Car Financing – A Positive side for Bad Credit history Consumers

Second Possibility Car Financing – A Positive side for Bad Credit history Consumers

car financing
by lyng883 Are your automobile dreams dulled by your bad credit rating? Do you believe bad debt score is making it impossible to turn the trends in your favor? Do you desperately want a second possibility for restoring your credit report rating? If every solution to these questions is in affirmation, you require second possibility car funding program.Second opportunity car financing is essential for any individual reeling from the terrible results of horrible credit report. The automobile funding program will make certain that you obtain the much needed opportunity of protecting budget friendly vehicle loans.Chance prefers the Prepared Mind-Just what work should Bad Credit rating Auto Buyers do?Working-out

your Funds When your credit report is hemorrhaging, it’s time to budget

your demands

. It will certainly aid you in preventing breakout decisions. Compute your earnings and costs. Ascertain whether you can truly manage the funding. It does not make good sense to get a vehicle with high regular monthly payments. Also, it will certainly raise the possibilities of additional deterioration in your credit report ratings.Choose an Auto not a Concern You must recognize that you have bad credit rating as well as you do not desire to aggravate it by choosing an unaffordable auto finances program. So, it is recommended
to opt for a more affordable yet trustworthy previously owned cars and truck. As it is more economical than a brand-new cars and truck, making regular settlements will certainly become easy.Written Evidence of your Ability Not all negative credit scores people get the incredible second chance financing for vehicles. However, you can prove on your own to be deserving of it. As well as, for that, you just need few records. Make certain that you have your SSN, earnings evidence (pay stubs or IT return declarations), employment evidence (Work Verification Letter), financial institution statements, receipt of utility costs, and so on. Your paper file need to have papers that make you a worthy competitor for Second chance car financing.Applying for Second Possibility Vehicle Financing Do bear in mind to apply with second possibility vehicle lending institutions and bad credit history cars and truck dealerships. It is better to check the dependability of lenders/dealers prior to applying. This will ensure that you don’t expose your secret information to unreliable individuals.Compare vehicle loan quotes that you get. Analysis ought to be
based on several facets like month-to-month settlements, APR, costs and also fines, lending terms, etc.Hard Job NEVER goes Waste You have spent numerous hrs in preparing for a vehicle loan. With the knowledge of car financing process, you could conveniently deal with the troubles of poor debt. This makes you far better than
not really prepared vehicle buyers that fill every negative credit report vehicle finance application in expectancy of car financing. Usually, such purchasers don’t obtain the finest deal.Having a favorable perspective is
crucial during the entire

automobile financing procedure. You have poor debt background however it does not suggest completion of budget friendly car loans. It’s simply your credit history and also you still have a respectable possibility of enhancing your credit history score.Remember every cloud has a silver lining!With this inspiring thought, I want you all the best in obtaining the optimal 2nd chance auto financing program. Fast Auto Funding Approval is excellent for bad debt customers. The business uses budget-friendly 2nd possibility automobile funding alternatives to people with credit problems. Apply currently and obtain ready for Negative credit score cars and truck financing with lower prices. A lot more< a href=""> Car Funding Articles

HTT – ATT, CSX & Oil Spills – Perfect Together

HTT – ATT, CSX & Oil Spills – Perfect Together

Check out these consumer loan rates images:

HTT – ATT, CSX & Oil Spills – Perfect Together
consumer loan rates
Image by EX22218 – ON/OFF
(Read the list of Board of Directors Below for a Chuckle)

Reps from CSX, ATT attempting to find a resolution to the "Poltergeist Gates" that have been malfunctioning for close to a decade. There are numerous oil spills visible along these tracks as far as the eye can see. There have been many auto accidents/fatalities on/near this corner. There is one AT&T cell mast to the left of these trucks and at least 4 within a one mile area. This is typical for Jefferson County, Kentucky. Drunk driving, cancer, auto fatalities and suicide rates are skewered yet still rank among the highest in the Nation. Air, water and environmental quality due to lack of local and State Government enforcement is atrocious – this County is still dumping raw sewage into streams, rivers and brooks. There is no oversight or enforcement to local industries or quarries nor is there enforcement of laws in place to protect the environment from further destruction to air and water pollution other than to place a lighted sign over freeways stating "air quality warning". Quarry roadways are not watered down as required, roadways are not swept, maintained, repaired or cleaned, no dust or erosion control measures are practiced, trucks are not correctly tarped and the public’s best interests are not being protected. Yet the medical profession is making a killing. And all they’ll say is, "Welcome to the Ohio Valley".

Corner of LaGrange Road, Factory Lane, Chamberlain Lane,
Louisville, Kentucky 40245

Louisville Kentucky is only #6 in the top ranked "Sinful Cities" in the Nation. We’ve got to do better if we want to be #1! only to be beat out by Toledo, Tampa, Philadelphia, Atlantic City and New Orleans. #pollution #corruption #cancer #crime #plasticsurgery #substanceabuse #alcoholabuse #prescriptiondrugs #medicalmalpractice #suicides #kamikaze #realtors #e.coli #disease #autoimmune #lupus #MS #braintumors #leukemia #EPA #DEP #hazardouswaste #toxicspills #nonresponsive


CSX Divestitures and Distinuations:

CSX Hotels, Inc.
Greenbrier Hotel Corporation sold to Justice Family Group in 2009
Sea-Land Corporation split into two shipping lines and a terminal operator:
CSX Lines, LLC (Domestic liner, sold and renamed Horizon Lines, Inc.)
Sea-Land Corporation (International liner, sold to the A. P. Moller-Maersk Group in 1999)
CSX World Terminals, LLC (International Terminals business)[7]
SL Services, Inc. (“SLSI”) sold to Dubai Ports International FZE (“DPI”) in 2005[8]
Orange Blossom Investment Company, Ltd sold to Dubai Ports International FZE (“DPI”) in 2005
CSA Acquisition Corp.
Texas Gas Transmission Corporation bought in 1983, sold in 1988 to Transco.[9]
Energy and utilities

CSX Board of Directors:

Mr. Steven T. Halverson
Steven T. Halverson, 57, has served as a director of CSX since September 2006. Mr. Halverson is the Chief Executive Officer of The Haskell Company, one of the largest design and construction firms in the United States. Prior to joining the Haskell Company in 1999, Mr. Halverson served as a Senior Vice President of M.A. Mortenson, a national construction firm.

Mr. Halverson also serves as a director for PSS World Medical, Inc., Blue Cross Blue Shield of Florida, ACIG Insurance Co., the Florida Counsel of 100 (chair), and the Florida Chamber of Commerce. Mr. Halverson is also a St. John’s University regent.

Through his roles with key organizations in the state of Florida, Mr. Halverson provides broad leadership capabilities to the CSX Board. He also provides insight and perspective on the economy in general and the construction industry in particular.


Mr. John D. McPherson
John D. McPherson, 65, joined the Board in July 2008. He served as President and Chief Operating Officer of Florida East Coast Railway, a wholly-owned subsidiary of Florida East Coast Industries, Inc., from 1999 until his retirement in 2007. From 1993-1998, Mr. McPherson served as Senior Vice President-Operations, and from 1998-1999, he served as President and Chief Executive Officer of the Illinois Central Railroad. Prior to joining the Illinois Central Railroad, Mr. McPherson served in various capacities at Santa Fe Railroad for 25 years. As a result of his extensive career in the rail industry, Mr. McPherson serves as an expert in railroad operations.

Mr. McPherson currently serves on the board of directors of Las Vegas Railway Express, a start-up passenger railroad which will operate between Los Angeles and Las Vegas. From 1997-2007, Mr. McPherson served as a member of the board of directors of TTX Company, a railcar provider and freight car management services joint venture of North American railroads.


Mr. David M. Moffet
David M. Moffett served as the Chief Executive Officer and a director of the Federal Home Loan Mortgage Corporation from September 2008 until his retirement in March 2009. He previously served as a Senior Advisor with the Carlyle Group LLC from May 2007 to September 2008, as the Vice Chairman and Chief Financial Officer of U.S. Bancorp from 2001 to 2007, after its merger with Firstar Corporation where he served as Vice Chairman and Chief Financial Officer from 1998 to 2001. Mr. Moffett also served as Chief Financial Officer of StarBanc Corporation, a predecessor to Firstar Corporation, from 1993 to 1998.

In addition to the directorships noted above, Mr. Moffett currently serves as a trustee on the boards of Columbia Fund Series Trust I and Columbia Funds Variable Insurance Trust, overseeing approximately 52 funds within the Columbia Funds mutual fund complex. He also serves as a trustee for the University of Oklahoma Foundation.


Mr. Timothy T. O’Toole
Timothy T. O’Toole, 56, joined the Board in September 2008. Mr. O’Toole is currently the Chief Executive Officer of FirstGroup, plc, a leading transportation company that primarily provides rail and bus services. FirstGroup, a publicly traded company on the London Stock Exchange, employs approximately 130,000 staff throughout the U.K. and North America and transports some 2.5 billion passengers a year. Mr. O’Toole previously served as the Managing Director of the London Underground from 2003 through April 2009, where he was responsible for operating and rebuilding the Tube, the world’s oldest metropolitan railway. Mr. O’Toole brings to the Board over 25 years of railroad industry experience. He also provides invaluable operational experience in crisis management evidenced by his leadership following a terror attack on the London Underground in 2005.

Previously, he served as President and Chief Executive Officer of Conrail from 1998 to 2001. During his more than 20 years at Conrail, he served in various senior management roles, including Senior Vice President of Law and Government Affairs, Senior Vice President of Finance and Chief Financial Officer, Vice President and Treasurer, and Vice President and General Counsel. Mr. O’Toole also serves as a member of the board of FirstGroup.


Mr. David M. Ratcliffe
David M. Ratcliffe, 63, has served as a director of CSX since January 2003. Mr. Ratcliffe retired from his position as Chairman, President and Chief Executive Officer of Southern Company, one of America’s largest producers of electricity, in December of 2010. He had held that position since 2004. From 1999 until 2004, Mr. Ratcliffe was President and Chief Executive Officer of Georgia Power, Southern Company’s largest subsidiary. Prior to becoming President and Chief Executive Officer of Georgia Power in 1999, Mr. Ratcliffe served as Executive Vice President, Treasurer and Chief Financial Officer.

Mr. Ratcliffe serves on the board of SunTrust Bank. He also serves as a member of the boards of various organizations, including GRA Venture Fund, LLC, Georgia Research Alliance, Children’s Healthcare of Atlanta, Urjanet, a software startup company, and the Centers for Disease Control Foundation. As Chairman, President and Chief Executive Officer of Southern Company, Mr. Ratcliffe participated in a heavily regulated industry with operations in substantial portions of our service territory. Through this experience, he provides expertise in an ever-changing regulatory environment, which includes important public policy matters such as climate change legislation.


Ms. Donna M. Alvarado
Donna M. Alvarado, 63, has served as a CSX director since September 2006. Ms. Alvarado is the founder and current President of Aguila International, a business-consulting firm.

Previously, Ms. Alvarado served as President and Chief Executive Officer of a global educational publishing company from 1989-1993. She has served on corporate boards in the manufacturing, banking, transportation, and services industries. During the past five years, she has also led state and national workforce policy boards. Ms. Alvarado currently serves on the board of directors of Corrections Corporation of America and as immediate past Chairwoman of the Ohio Board of Regents.

Following executive and legislative staff appointments at the U.S. Department of Defense and in the U.S. Congress, Ms. Alvarado was appointed by President Ronald Reagan to lead the federal agency ACTION, the nation’s premier agency for civic engagement and volunteerism, a position which she held from 1985-1989.

As a result of her experience in the public and private sector, Ms. Alvarado brings to the Board significant workforce planning expertise, as evidenced by her previous high-level government appointments, which is complemented by her role with the Ohio Board of Regents.

Senator John B. Breaux
Senator John B. Breaux, 68, has served as a director of CSX since shortly after his retirement from the U.S. Senate in 2005. Senator Breaux held numerous leadership positions during his 14 years in the U.S. House of Representatives and 18-year tenure in the U.S. Senate, where he served on the House Public Works and Transportation Committee, the Senate Finance Committee, and the Senate Commerce Committee. Senator Breaux also founded the Centrist Coalition of Senate Democrats and Republicans and served as chairman of the Democratic Leadership Council. He brings extensive public policy and regulatory experience to the CSX Board at a time when Congress is considering additional legislation that could have a material effect on railroad operations.

From 2005 through 2007, Senator Breaux served as Senior Counsel at Patton Boggs LLP. Currently, Senator Breaux is a partner in the Breaux-Lott Leadership Group, a private consulting firm in Washington, DC. In 2010, the Breaux-Lott Leadership Group was purchased by Patton Boggs LLP. He also serves as a director of LHC Group, Inc.

Ms. Pamela L. Carter
Pamela L. Carter, 62, joined the Board in June 2010. Ms. Carter is President of Cummins Distribution, a division of Cummins, Inc., a designer, manufacturer and marketer of diesel engines and related components and power systems. Ms. Carter joined Cummins in 1997 as Vice President – General Counsel and held various management positions up until her appointment as President of Cummins Distribution in 2008.

Prior to her career with Cummins, Ms. Carter served in various capacities with the State of Indiana and in the private practice of law. Ms. Carter was the first woman and the first African-American to hold the office of Attorney General in Indiana. Ms. Carter also served as Parliamentarian in the Indiana House of Representatives, Deputy Chief-of-Staff to Governor Evan Bayh, Executive Assistant for Health Policy & Human Services and Securities Enforcement Attorney for the Office of the Secretary of State.

Ms. Carter currently serves on the board of directors of Spectra Energy Corporation. She brings strong operational experience to the Board via her career with Cummins, Inc. Her extensive experience in government allows Ms. Carter to provide in-depth knowledge and insight into regulatory and public policy matters.

Mr. Edward J. Kelly, III
Edward J. Kelly, III, 58, has served as a director of CSX since July 2002. Mr. Kelly is currently Chairman of the Institutional Clients Group at Citigroup, Inc. He has previously served as Vice Chairman, Chief Financial Officer and Head of Global Banking at Citigroup, Inc., as well as Chief Executive Officer of Citi Alternative Investments, an integrated alternative investments platform within Citigroup, Inc.

Mr. Kelly previously served as a Managing Director at The Carlyle Group and Vice Chairman of The PNC Financial Services Group, Inc. following PNC’s acquisition of Mercantile Bankshares Corporation in March 2007. At Mercantile, Mr. Kelly held the offices of Chairman, Chief Executive Officer and President from March 2003 until March 2007, and was Chief Executive Officer and President from March 2001 to March 2003. Before joining Mercantile, Mr. Kelly served as Managing Director and co-head of Investment Banking Client Management at J.P. Morgan Chase and Managing Director and Head of Global Financial Institutions at J.P. Morgan. Previously, Mr. Kelly was a partner at the law firm of Davis Polk & Wardwell, where he specialized in matters related to financial institutions. Early in his career, Mr. Kelly served as a law clerk to Supreme Court Justice William J. Brennan, Jr. and U.S. Court of Appeals Judge Clement F. Haynsworth, Jr.

Mr. Kelly has previously served on the boards of directors for The Hartford Financial Services Group, The Hershey Company and Paris RE Holdings. As an executive in the banking industry, Mr. Kelly provides extensive financial and regulatory experience to the Board. He offers important perspective on global financial markets.


Mr. Donald J. Shepard
Donald J. Shepard, 65, has served as a director of CSX since January 2003. In 2008, Mr. Shepard retired as Chairman of the Board and Chief Executive Officer of AEGON, N.V., an international life insurance and pension company.

He currently serves as a member of the boards of directors of The PNC Financial Services Group, Inc. ("PNC") and the Travelers Companies, Inc. Mr. Shepard was also a director of Mercantile Bankshares Corporation until 2007, when the company was acquired by PNC. He is also a director of the U.S. Chamber of Commerce. Through his executive positions with AEGON, Mr. Shepard brings financial and risk management expertise to the CSX Board. Through his leadership role with the U.S. Chamber of Commerce, Mr. Shepard also brings significant insight into developing business trends and opportunities.


Mr. Michael J. Ward
Michael J. Ward is chairman and chief executive officer of CSX Corporation, one of the nation’s premier transportation and logistics companies. Over his 39-year career, Mr. Ward has headed CSX’s operations, coal sales and marketing, and finance departments.

Under Mr. Ward’s leadership, the company continues to achieve record safety performance while providing vital services to customers and posting strong financial results for shareholders.

The company’s commitment to safety and preparing its network for increasing freight demand is demonstrated by its planned 2016 capital investment of .4 billion and its long-term plan to invest approximately 16 to 17 percent of its revenues back into its core business to support growth.

A native of Baltimore, Md., Mr. Ward’s commitment to personal philanthropy and corporate citizenship has been recognized with City Year’s prestigious Lifetime of Idealism Award. He earned a bachelor’s degree from the University of Maryland in 1972, and received a master’s degree in business administration from the Harvard Business School in 1976. Mr. Ward is a member of the Board of Directors of the Association of American Railroads, and also serves on the boards of Ashland Inc., City Year, United Way of Northeast Florida, and Hubbard House. His other business affiliations include The Florida Council of 100 and The Business Roundtable.

CSX, based in Jacksonville, Florida, is a premier transportation company. It provides rail, intermodal and rail-to-truck transload services and solutions to customers across a broad array of markets, including energy, industrial, construction, agricultural, and consumer products. For nearly 190 years, CSX has played a critical role in the nation’s economic expansion and industrial development. Its network connects every major metropolitan area in the eastern United States, where nearly two-thirds of the nation’s population resides. It also links more than 240 short-line railroads and more than 70 ocean, river and lake ports with major population centers and farming towns alike. More information about CSX Corporation and its subsidiaries is available at


Mr. J. Steven Whisler
J. Steven Whisler, 57, is the retired Chairman and Chief Executive Officer of Phelps Dodge Corporation, a mining and manufacturing company, where he served in many roles from 1981 until being named Chief Executive Officer in 2000. During his tenure at Phelps Dodge, Mr. Whisler was instrumental in the implementation of its "Zero and Beyond" safety program designed to eliminate workplace injuries and its "Quest for Zero" process-improvement program designed to, among other things, eliminate environmental waste while enhancing product quality.

Mr. Whisler currently serves on the boards of directors of Brunswick Corporation and International Paper Co. He also served as director of US Airways Group, Inc. from 2005 until 2011, and Burlington Northern Santa Fe from 1995 until its acquisition by Berkshire Hathaway in 2010. Through his tenure on the Burlington Northern Santa Fe board of directors and as a former executive in the mining industry, Mr. Whisler brings invaluable railroad knowledge to the CSX Board and a strong understanding of one of the Company’s largest customer bases. Mr. Whisler’s support of safety and environmental programs aligns closely with the Company’s goals.

Can I fix credit report errors on my own?

Can I fix credit report errors on my own?

Can I fix credit report errors on my own?

You definitely can fix credit report errors on your own.

The only exception is if you have to sue in court.

In that case, you may need to hire an attorney to sue the credit reporting agencies and/or the furnishers of the false information. This suit is normally brought under the FCRA (Fair Credit Reporting Act).

Hope this is helpful to you.

If you have any questions, give us a call at 1-205-879-2447.

Thanks for watching!

John G. Watts
Watts & Herring, LLC
Serving consumers across Alabama


“No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.”

Credit Report – How Do I Get My Free Credit Report ?

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Tips obtain Bad Credit Auto Loans with Zero cash Down in New Jersey?

Tips obtain Bad Credit Auto Loans with Zero cash Down in New Jersey?

Every American is a vehicle fan but their passion for cars is normally thwarted by unaffordable car costs. Listed here is whenever auto loans come into the image. The reasoning behind vehicle financing is the fact that no-one has actually such plenty of prepared cash purchase the automobile of the ambitions.

imagine if you’ve got bad credit score? Do you believe that it will work as a deterrent in enabling assured approval? Really, many facets tend to be considered while providing automobile financing. And, bad credit alone cannot do just about anything.

exactly what Factors are thought in getting nj-new jersey Auto Loans?

When you choose to get an auto loan in NJ, you have to understand for the a few aspects that play a major role in getting approval. Reduced interest levels are possible when most of the criteria are satisfied.

1. Credit Score
2. Income
3. Employment Term
4. Residence Term
5. Co-signer
6. Down Payment
7. Debt-to-Income Ratio
8. Vehicle Details – Make, Model, VIN, Warranty, Title
9. If Car Or Truck – Odometer Statement.

This perfectly demonstrates that credit score isn’t the sole cause for causing approval or otherwise. Your car loan request are rejected only once all the components of your brand-new Jersey auto loan application are poor. This implies you don’t have to worry about your bad credit rating anymore. It is possible to secure guaranteed in full endorsement at reduced prices despite an awful credit score.

Is it simple to get a negative Credit Auto Financing for purchasing an automobile in nj-new jersey?

Getting an auto loan with bad credit score is very easy inside Garden State. For the reason that there are many efficient subprime car financing businesses, bad credit loan providers and second opportunity automobile financing dealerships in the state. Obtained no difficulty in proclaiming to offer you fast approval on bad credit automobile financing.

All that is required out-of you should fill their NJ car finance form. Once it really is assessed, you are informed regarding the car loan standing.

today, there are many on the web car financing businesses that run in nj-new jersey. They’ve been ideal for you if you wish to choose for an appropriate auto loan process. Simply do not forget to look at the reliability and security of the business.

are you able to get No cash Down Auto Loans with Bad Credit in NJ?

By now, you must realize one or two facets don’t cause any difficulty in enabling guaranteed in full endorsement at reduced rates. It is simple to get automobile financing without making a down payment inside condition of the latest Jersey.

Just research a lender or an auto financing company in NJ that handles 0 deposit car loans. Ensure they provide car finance approval to bad credit holders. They are going to effortlessly disregard your credit rating.

don’t neglect to point out your own personal and economic details accurately. Make no blunder on paper your SSN and information on your month-to-month earnings. In addition, a trade-in would turn out to be beneficial in getting assured approval.

Remember that bad credit or no cash straight down – don’t trigger rejection. There are many aspects which impact the outcome. Therefore, don’t worry. Go-ahead. Fill in the NJ auto loan application precisely and obtain ready for 100% endorsement at appealing prices.

Rapid auto loans is a prominent on line auto financing company providing you with brand new Jersey bad credit car and truck loans with reduced rates. Bad credit is not an issue. You can easily get guaranteed approval along with low prices even though you simply cannot make a down repayment. Apply now for totally FREE car loan estimates.