With new digs and funding, a local nonprofit is helping queer and trans residents find safety, and a path off the streets. by Anna Del Savio

In October, Portland’s first day center for unhoused queer and trans people opened in Southeast.

The Marie Equi Center’s new Brooklyn neighborhood day shelter is intended to welcome visitors “just coming in to regulate their nervous systems in the space and hang out, or to get connected to our peer services,” center director Katie Cox said.

“We say that we’re a really LGBTQ-affirming city and space, but the services and the infrastructure have needed more support,” Cox said. The new funding, which comes from Metro’s Supportive Housing Services tax revenue via Multnomah County, “feels like folks putting their money where their mouth is,” Cox added.

Peer support and community health workers are on-site to offer basic wound care, emotional support, recovery mentoring, health education, referrals, and assistance navigating social service systems. But the 13,000-square-foot Trans & Queer Service Center also has space for visitors to come in off the street to simply sit and decompress. 

For many unhoused people, “you don’t have a safe place to be during the day where you actually feel welcome and your whole nervous system has a chance to relax and just be,” Equi program director Madeline Adams said. “So much of what we do as humans to heal or to overcome what we’ve been through requires, as a baseline, an environment… where we can come back to a semblance of having all of our faculties.”

A large room at the front of the building hosts community events that run the gamut from karaoke nights to crash courses on budgeting and cleaning for newly housed folks. 

Smaller rooms are used for one-on-one meetings with community health workers who provide emotional assistance, harm reduction, basic first aid, recovery support, health education, help navigating over services and systems, and gender-affirming referrals. 

“That can look a lot of different ways, but the goal of it is to walk alongside folks, to help them address barriers as they come up and access the resources and supports that they need,” Cox said.

Before the move—which also came with a name change from Institute to Center—the Marie Equi Institute primarily offered services out of an office in the Q Center on North Mississippi Avenue.

Scarlet Meadows first came to the Q Center two years ago for the free food pantry, but found her way into the Equi Institute’s office.

The institute’s peer support workers “helped me out a lot emotionally with the stress of being a new mom as well as being part of the queer community,” Meadows said. “There were days where I went there just to be, because it was a safe space.” Meadows ended up in Portland when their housing plans fell apart en route from Kentucky. From the Equi Center mentors, Meadows found spiritual and emotional support, and help navigating bureaucracy like Medicaid enrollment. 

“Sometimes I would go there specifically to make a phone call, just to have that support and someone who knows what questions to ask,” Meadows said.

Meadows hadn’t sought out peer services before coming to the Equi Center.

“I was still dealing with a lot of trauma and kind of stuck in my own head about certain things,” Meadows said. 

Peer health workers at Equi “move at the speed of trust,” Adams said. Rather than jumping right into tasks, workers have to build relationships with their houseless clients before those clients will open up about their needs. The bigger space allows staff to connect with visitors who need more time before opening up to a peer worker. 

When Adams was houseless, one of the hardest parts was that “people just couldn’t comprehend what I was dealing with or why I wasn’t housed,” she said. “It was always just so awkward and you could tell that people didn’t want to hear. The last thing you want to do in that situation is to ask for what you need, because by the time you reach someone that’s going to say yes, you’ve already learned that it’s not really safe to be asking.”

The Marie Equi Institute was founded a decade ago, named for “Doc” Marie Equi, a lesbian doctor and activist working in Oregon in the early 1900s (and the namesake of the local lesbian bar Doc Marie’s). The institute was created to provide queer and trans-specific primary care, right after Oregon Medicaid started covering gender-affirming care. Many of the Equi Institute’s clients came to the organization after fleeing other areas of the country where there wasn’t access to gender-affirming care, Cox said.

The center has seen a growing number of visitors who came to Portland to escape anti-LGBTQ legislation and violence in other states.

When the pandemic hit, the institute had just hit pause and started to reassess operations after their clinical director took medical leave.

The institute joined the C(3)PO coalition, which created three outdoor tent camps for homeless Portlanders early in the pandemic. Starting in sheds in the C(3)PO villages, the Equi Institute built up a community health program working “at the intersection of homelessness and public health,” Cox said. 

Last fall, the Multnomah County Board of Commissioners approved $3 million in funding for day shelters, including $830,000 to the Equi Institute, in preparation for Portland’s public camping ordinance taking effect. But the institute didn’t get the contract from the Joint Office of Homeless Services until March. The funds had to be spent by the end of June, leaving just a few months for the center to find a new location and use up the money. 

The institute signed a lease in June and got to work on renovations with Gensler, an architecture firm that also led the renovation of the Rose Haven day center. 

The building has showers, laundry services, a gymnasium, food pantry, kitchenette, computer lab, reading nook, and art space. 

Cox said staff are working on plans to use the gym as an overnight shelter during severe weather.

“We know this is going to be a big learning curve for us, having our own building,” Cox said.

Thanks in-part to the SHS funding, the Marie Equi Center has doubled in size to 15 staff, including a new peer services coordinator and a center operations coordinator. The center ended up spending $752,000 from JOHS last fiscal year and was awarded $857,000 for the current fiscal year.

A Homelessness Response Action Plan finalized by the city and county earlier this year specifically calls for more culturally-specific services, including the creation of a shelter for LGBTQIA2S+ adults.

Existing culturally-specific providers like the Marie Equi Center “know what their communities need, are doing what their communities need, and just need that funding piece and support from their partners in government to be able to make that happen or do more of it,” JOHS equity manager Emily Nelson said.

Cox wanted to add a housing navigator to the center’s expanded team, but the Joint Office didn’t award enough funding to cover that position in the current fiscal year. 

“As we expand day services and expand shelter, we have to make sure that we have ways to connect folks to permanent housing through day services and shelter,” Nelson said.

Cox said the center’s peer workers struggle to connect clients with housing services that are safe and affirming for queer and trans people. 

One of the hardest parts of the work “is the heartbreak of knowing exactly what people need and deserve and not being able to get that to those people in a real way,” Adams said.

Transgender houseless people are less likely to find shelter. Nearly 54 percent of transgender houseless people are unsheltered, compared to 39 percent of cisgender houseless people, according to the National Alliance to End Homelessness. 

The new day center won’t only serve people while they’re living on the streets or in a shelter. Trans and queer people face disproportionate discrimination in housing, both in affordable housing and market-rate rentals, so support is needed for newly housed people.

“If it’s not the rental company discriminating against you, it could be other people in the building, and then your new home is starting to feel very unsafe,” Cox said. Having a queer or trans peer who can offer support in navigating those challenges “increases the likelihood that folks are going to be able to stay housed,” they said.

“As people navigate the transition from being unhoused to being housed, they often feel like they lose their community of folks that they were living with unsheltered,” Cox said. “The more we can start to bridge those gaps early on and create that community building, the more successful we’ll be at keeping people housed.”

For more information, visit www.marieequi.center. 

February 13, 2015 Back to back storms in as little as two weeks dropped record amounts of snow on New England. The capacity of the MBTA’s equipment was put to the test, but the system buckled under the weight of the weather. In the face of widespread train delays and mounting criticism, MBTA General Manager Beverly Scott responded with a fiery press conference that’s not likely to be forgotten anytime soon. The day after her press conference, Scott submitted her letter of resignation. We’ll take a look at her tenure and immediate task at hand to get the trains back to normal.

Later in the show, as the Bay State Banner celebrates 50 years of reporting the news of New England’s communities of color, we discuss the continuing evolution of journalists of color.

Panelists:
- Latoyia Edwards, Anchor, NECN
- Phillip Martin, Senior Reporter, WGBH News
- Kim McLarin, Assistant Professor of Writing, Literature and Publishing, Emerson College
- Yawu Miller, Senior Editor, The Bay State Banner
- Akilah Johnson, Reporter, The Boston Globe

Investment funds managed by Morgan Stanley Expansion...

Crypto payment gateway Alchemy Pay has acquired Money Transmitter Licences (MTLs) in Minnesota, Oklahoma, Oregon, and Wyoming.

Edimakor provides an AI subtitle generator to support multiple languages and enables accurate subtitling with hardly any human involvement.

Event Begins: Thursday, November 14, 2024 10:00am
Location: Off Campus Location
Organized By: Veteran and Military Services

Since 1778 when Lieutenant Gotthold Frederick Enslin became the 1st servicemember dismissed from the military for homosexuality, persons who are Lesbian, Gay, Bisexual, or Transgender have faced discrimination in the military. Since the repeal of "Don't Ask, Don't Tell" LGBTQ+ service members have been allowed to serve openly in the US military and federal benefits have been extended to cover their dependents. Come hear veterans talk about their service, sacrifice and discrimination they faced while serving their country.

Stockholders in financially troubled Spirit Airlines, the South Florida-based discount carrier, would see their shares canceled under a potential debt restructuring agreement that has been under negotiation between the airline and its bondholders, the company says.

With a depth of up to 160 feet, the temperature inside the network of tunnels and chambers hovers between 68 and 72 degrees all year round, with humidity sitting at a comfortable 40 percent. Thanks to the miners' use of an extraction technique called the "room and pillar method," the enormous underground cavities left behind are supported by 16-foot pillars; the space is open, regular, and, expansive enough to accommodate nearly anything that can fit through its above-ground, drive-in entrance ramps. from Since the '60s, Ford Has Stored Cars Underground in a Kansas City Cave [Hagerty]

Will Green and Marie Dore were crowned the Bermuda Triathlon Association’s national Olympic distance triathlon male and female champions. Green was clocked across the line in a time of 2:17.18, he clocked a time of 23.42 on the swim, before clocking 1:12.15 on the bike course before completing the run course in a time of […]

"Reasonable Doubt" centers on Los Angeles-based high-powered criminal defense attorney Jacqueline "Jax" Stewart (Emayatzy Corinealdi) as she deals with past traumas, a struggling marriage, motherhood and a murder case, all while trying to keep her life together.

As a growing population financed more costly purchases, total debt rose. But income rose even faster in recent quarters. By Wolf Richter for WOLF STREET. Total household debt outstanding ticked up by $71 billion in Q3, or by 0.57%, from Q2, to $17.9 trillion, according to the Household Debt and…

Bitcoin continued to make records as supportive inflation numbers raised the market's expectations of further interest rate cuts by the Federal Reserve. What Happened: The world's largest cryptocurrency sailed above $93,000 during U.S. trading hours Wednesday, before a sharp correction into the…

The University of Ibadan College Hospital has been disconnected from the national grid over an outstanding N400 million debt. The Ibadan Electricity Distribution Company said the disconnection became unavoidable following the failure of UCH to pay the debt. Speaking with our correspondent, the spokesperson of IBEDC, Busolami Tunwase, said the university did not fulfil its

J Hope is as excited about BTS bandmate Jin’s debut solo album releases as BTS ARMY and K-pop idol himself.In a recent Weverse Live on Tuesday, November 12, J Hope, whose real name is Jung Ho-seok, updated his whereabouts to the curious fans while teasing new projects in the pipeline and...

Nicole Kidman reveals she wants to work with THIS movie-makerNicole Kidman has recently taken a subtle dig at one of the iconic directors in Hollywood for his male-centered movies.In a new interview with Vanity Fair, the Stoker actress responded to a question about any notable movie-maker...

Lakshmi Srinivasa Rao Gogula highlights that SAP Business Technology Platform (BTP) is revolutionizing enterprise software by enhancing agility, integration, security, developer empowerment, and sustainability beyond traditional ABAP.

Some of the lenders had sought the tribunal’s approval to start proceedings under IBC for recovering dues from the 58 IL&FS entities

The cabinet has approved the "Job Creation and Career Building" loan programme worth a total of 15 billion baht, primarily aimed at supporting street vendors and hawkers to help reduce their informal debt.

Vanavond in ‘De tafel van Gert’: wat als je de diagnose van Alzheimer hebt en de juiste medicatie bestaat maar niet verkrijgbaar is?  Het Nieuwsblad

For the first year of filing after Incorporation of a company do we need to provide the subscribed capital details at time of incorporation In Form AOC 4 , tab " Share capital raised during the reporting period ". Or its only meant for additional capital raised

But this book by Johnson and Vanvonderen is different. Drawing upon years of ministry experience as pastor and counselor (respectively), they examine the fine line between Biblical leadership and abuse. Without mentioning groups or demonizing those involved, they discuss how well-intentioned leadership can have abusive effects. This "high road" approach is highly helpful in identifying some of the critical factors that have led to harsh and harmful leadership in churches. -- Marks of a Spiritually Unhealthy Environment: For example, the authors identify the marks of a spiritually unhealthy system. I'd like to include these here as a sample of how the authors address these issues. (The following consists of verbatim citations of copyrighted material from Chapter 5,6 of "The Subtle Power of Spiritual Abuse.") -- 1. Power-Posturing: Power-posturing simply means leaders spend a lot of time focused on their own authority and reminding others of it, as well. They spend a lot of energy posturing about how much authority they have and how much everyone else is supposed to submit to it. The fact that they are eager to place people under them-- under their word, under their "authority"-- is one easy-to-spot clue that they are operating in their own authority. -- 2. Performance Preoccupation: In abusive spiritual systems, power is postured and authority is legislated. Therefore, these systems are preoccupied with the performance of their members. Obedience and submission are two important words often used. The way to tell if someone is doing the right thing for the wrong reason is if they are keeping track of it. Let's say that another way. If obedience and service is flowing out of you as a result of your own dependence on God alone, you won't keep track of it with an eye toward reward, you'll just do it. But if you're preoccupied with whether you've done enough to please God, then you're not looking at Him, you're looking at your own works. And you're also concerned about who else might be looking at you, evaluating you. What would anyone keep track of their godly behavior unless they were trying to earn spiritual points because of it? For many reasons, followers sometimes obey or follow orders to avoid being shamed, to gain someone's approval, or to keep their spiritual status or position intact. This is not true obedience or submission, it is compliant self-seeking. When behavior is simply legislated from the outside, instead of coming from a heart that loves God, it cannot be called obedience. It is merely weak compliance to some form of external pressure. -- 3. Unspoken Rules: In abusive spiritual systems, people's lives are controlled from the outside in by rules, spoken and unspoken. Unspoken rules are those that govern unhealthy churches or families but are not said out loud. Because they are not said out loud, you don't find out that they're there until you break them. The most powerful of all unspoken rules in the abusive system is what we have already termed the "can't talk" rule. The "can't talk" [rule] has this thinking behind it: "The real problem cannot be exposed because then it would have to be dealt with and things would have to change; so it must be protected behind walls of silence (neglect) or by assault (legalistic attack). If you speak about the problem, you are the problem. -- 4. Lack of Balance: The fourth characteristic of a spiritual abusive system is an unbalanced approach to living out the truth of the Christian life. This shows itself in two extremes: Extreme Objectivism - The first extreme is an empirical approach to life, which elevates objective truth to the exclusion of valid subjective experience. This approach to spirituality creates a system in which authority is based upon the level of education and intellectual capacity alone, rather than on intimacy with God, obedience and sensitivity to His Spirit. Extreme Subjectivism - The other manifestation of lack of balance is seen in an extremely subjective approach to the Christian life. What is true is decided on the basis of feelings and experiences, giving more weight to them than what the Bible declares. In this system, people can't know or understand truths (even if they really do understand or know them) until the leaders "receive them by spiritual revelation from the Lord" and "impart" them to the people. In such systems, it is more important to act according to the word of a leader who has "a word" for you than to act according to what you know to be true from Scripture, or simply from your spiritual growth-history. As with the extreme objective approach, Christians who are highly subjective also have a view of education-- most often, that education is bad or unnecessary. There is almost a pride in not being educated, and a disdain for those who are. Everything that is needed is taught through the Holy Spirit. ("After all, Peter and Timothy didn't go to college or seminary...") -- 5. Paranoia: In the church that is spiritually abusive, there is a sense, spoken or unspoken, that "others will not understand what we're all about, so let's not let them know-- that way they won't be able to ridicule or persecute us." There is an assumption that (1) what we say, know, or do is a result of our being more enlightened that others; (2) others will not understand unless they become one of us; and (3) others will respond negatively. In a place where authority is grasped and legislated, not simply demonstrated, persecution sensitivity builds a case for keeping everything within the system. Why? Because of the evil, dangerous, or unspiritual people outside of the system who are trying to weaken or destroy "us." This mentality builds a strong wall or bunker around the abusive system, isolates the abusers from scrutiny and accountability, and makes it more difficult for people to leave-- because they will then be outsiders too. While it is true that there is a world of evil outside of the system, there is also good out there. But people are misled into thinking that the only safety is in the system. Ironically, Jesus and Paul both warned that one of the worst dangers to the flock was from wolves in the house (Matthew 10:16, Acts 20:29-30). -- 6. Misplaced Loyalty: The next characteristic of spiritually abusive systems is that a misplaced sense of loyalty is fostered and even demanded. We're not talking about loyalty to Christ, but about loyalty to a given organization, church, or leader. Once again, because authority is assumed or legislated (and therefore not real), following must be legislated as well. A common way this is accomplished is by setting up a system where disloyalty to or disagreement with the leadership is construed as the same thing as disobeying God. Questioning leaders is equal to questioning God. "We Alone Are Right" There are three factors that come into place here, adding up to a misplaced loyalty. First, leadership projects a "we alone are right" mentality, which permeates the system. Members must remain in the system if they want to be "safe," or to stay "on good terms" with God, or not be viewed as wrong or "backslidden." - Scare Tactics - The second factor that brings about misplaced loyalty is the use of "scare tactics." We're already seen this in some of the paranoia described in the last section. Scare tactics are more serious. This is more than just the risk of being polluted by the world. We have counseled many Christians who, after deciding to leave their church, were told horrifying things. "God is going to withdraw His Spirit from you and your family." "God will destroy your business." "Without our protection, Satan will get your children." "You and your family will come under a curse." This is spiritual blackmail and it's abuse. And it does cause people to stay in abusive places. - Humiliation - The third method of calling forth misplaced loyalty is the threat of humiliation. This is done by publicly shaming, exposing, or threatening to remove people from the group. Unquestionably, there is a place for appropriate church discipline. In the abusive system, it is the fear of being exposed, humiliated or removed that insures your proper allegiance, and insulates those in authority. You can be "exposed" for asking too many questions, for disobeying the unspoken rules, or for disagreeing with authority. People are made public examples in order to send a message to those who remain. Others have phone campaigns launched against them, to warn their friends and others in the group about how "dangerous" they are. -- 7. Secretive: When you see people in a religious system being secretive-- watch out. People don't hide what is appropriate; they hide what is inappropriate. One reason spiritual abusive families and churches are secretive is because they are so image conscious. People in these systems can't even live up to their own performance standards, so they have to hide what is real. Some believe they must do this to protect God's good name. So how things look and what others think becomes more important than what's real. They become God's "public relations agents." The truth is, He's not hiring anyone for this position. Another reason for secrecy in a church is that the leadership has a condescending, negative view of the laity. This results in conspiracies on the leadership level. They tell themselves, "People are not mature enough to handle truth." This is patronizing at best. Conspiracies also develop among the lay people. Since it is not all right [sic] to notice or talk about problems, people form conspiracies behind closed doors and over the telephone as they try to solve things informally. But since they have no authority, they solve, and solve, and solve-- but nothing really gets solved. And all the while, building God's true kingdom is put on hold. -- Conclusion: I hope that what I have cited gets your attention and motivates you to read this book. The subtle patterns of unhealthy characteristics are discussed in a way that actually helps people identify them, resist them, and recover from them. Copyright © 2000 John Engler. All rights reserved. The Barnabas Ministry

Reaching4Truth says: January 3, 2012 at 3:01 pm -- Hanna, you said: "I still keep my hopes up that we will find a church, but as I have said before..in our town it is all about who can have the biggest church, who can draw the largest crowd, who can own more hotels and claim more territory on the monopoly board. People have no idea what the Pastor is purchasing in terms of real estate and investments, and they don't really even care because they trust him completely." -- This is not just a phenomenon in your town, but is widespread everywhere. Because in this era, pastors have been given celebrity status and encouraged to build their kingdoms, their resume, on ideas borrowed from the business realm. Over time they've been seduced by numerous voices from without and within the evangelical world, to produce measurably "effective" and "successful" ministries.. Pursuing and inculcating worldly business values and methodologies and wrongly applying them to the church and the realm of ministry. And basically it turns out to be an abandonment of their allegiance to the Lord in exchange for the approval of men and the respect of men, both in the church and in the world. -- Pastors and ministry leaders have been seduced by things appealing to their pride to pursue accomplishments and a measure of renown - respectability - for themselves. To be someone that others in the community (church and beyond) look up to and speak well of. -- Through many avenues and means, Christian pastors and ministry leaders have received worldly advice dressed up in acceptable Christian language, and coming from trusted "christian" sources. I employ the quotes because to look at the nature of what has come to be accepted as wise Christian insight and counsel, through resources such as Leadership Journal and Christianity Today, just to name two among a plethora of resources with a large readership among pastors, is to find, if one compares the "wisdom" offered from such sources, they wander quite a distance from sound spiritual wisdom or true compatibility with the word of God. -- Our pastors have been drinking from poisoned wells, even from what have been in the past trusted Christian sources. But, minus the requisite discretion and discernment that is expected of those we trust, a scourge has set upon the churches. Having listened to and consulted the voices of so many Pied Pipers in the business realm, there is very little left now of truly Holy Spirit-inspired leadership. We have been in the business of exchanging the truth of God for a lie for so long that we can barely distinguish the difference. Church and ministry leaders, in their efforts to win the worldly (yes I mean "worldly") to Christ through clever means, have drunk deeply from the wells of "vain philosophy and empty deceit". And we are sadly observing the results of that exchange. -- Clever wolves have entered in, and/or risen up from our midst, and had their effect upon the churches. I have observed with great sadness and sobriety the Christian establishment being given over to a host of clever lies and the spirit of the world. -- And hero worship has had a lot to do with it. A WHOLE lot to do with it. I think it's for lack of (or for need of) a hero in our lives that we (pastors and their flocks) have become worshippers of admired Christian men, inclined to enshrine them in a sort of "holy glow" - a sort of spiritual 'static' where we assume they will always and forever continue in a faithful path, as if they can do no wrong and, like their Lord, were immaculately conceived of the Holy Spirit. -- We have been, the whole lot of us - pastors and others alike - led onto deceptive paths because of having given our unquestioning trust to men with feet of clay. I believe we have entered a time of the Lord cleaning house, and waking His people up from a long slumber, a longer slumber than we would guess, wherein the enemy has now effectively infiltrated the mustard tree and overspread the churches. -- Jesus was careful to warn us that these days would come, and tremendous deception all around us was given as a key sign of the nearness of His return. He led with "See to it THAT NO MAN DECEIVES YOU." It was much more a matter of having our eyes/hearts exercised to recognize cleverly cloaked deception and delusion than it was ever a call to make an idol of earthly Jerusalem, for instance. JESUS is to be our focus; ALWAYS JESUS. We were instructed not to put our trust in man, but only IN HIM. -- So… pastors are to blame, for having wandered from the scriptures as their sole source of spiritual light, life and guidance, and succumbing to spiritual blindness… but so are we. We are living in a time of strong hero worship, leading to strong delusion, with sobering effect. The sooner we return our affection to the LORD and away from faulty leaders, the better for all of us. -- Chuck Smith is simply one example of what hero worship - the desire to elevate a hero in our midst (besides Jesus) can lead to. By giving our indiscriminate trust to men we admire, we forget that they can be just as prone to sin and error as the rest of us. The mercy of God is a great need in all of our lives, and our relationship with Him is to be first and foremost. I need these reminders as much as the next person. --- Lord, I'm thankful for your MERCY and your GREAT, GREAT kindness to us. Help us wind our way out of this mess we find ourselves in and into singlehearted allegiance to You and affection for your word. Clean us up and restore the broken places? and rekindle our love for YOU.

Early in the 19th century, Sarah Lankford combined the women's prayer groups of two Methodist in New York City to create the Tuesday Meeting for the Promotion of Holiness. That action, coupled with the publication of Boston pastor Timothy Merritt's Guide to Christian Perfection, marked the Holiness Movement's advent. ... John Inskip, J.A. Wood, and other Methodist clergy initiated a new phase of the movement after the Civil War. The National Camp Meeting Association for the Promotion of Holiness fostered specialized meetings throughout the United States. But Inskip was dead by 1890, while Wood had retired to California and preached occasionally from Phineas Bresee's pulpit. A democratic spirit pervaded the Holiness Movement. Bishops could control Methodist clergy but not the laity who led many local, county, and state Holiness associations. Some were headed by women excluded from leadership in other areas. Independent-minded evangelicals defied the Methodist Discipline and used a local preacher's license as authority to conduct revivals, even competing with local pastors. By century's end, the Wesleyan-Holiness Movement included sectarian "come-outers," "put-outers" dismissed from their churches, and Methodist loyalists. The fragmenting Holiness revival posed daunting questions: would anyone--could anyone--gather the pieces?

Between the Fall of Rome and the dawn of the Renaissance, Europe plunged into a dark night of constant war, splintered sovereignties, marauding pagans, rabid crusaders and devastating plague. That anything of value arose from this chaotic muck - much less the Renaissance - is nothing short of miraculous. Through masterful cinematography and ground-breaking research, THE DARK AGES brings to life this amazing and mysterious time. Relive in striking detail critical turning points in the Early Middle Ages including the fall of Rome to the Visigoths, the horrors of Bubonic Plague, the rise of Charlemagne and the launching of the First Crusade.

It seems that most conservatives are calling the new Bank Term Funding Program a "bailout" for the rich, but as far as I can tell preventing a contagious bank-run is good for everyone. Shareholders and bondholders of any failed banks are not being guaranteed in anyway, only depositors (i.e., bank customers).

The additional funding will be made available through the creation of a new Bank Term Funding Program (BTFP), offering loans of up to one year in length to banks, savings associations, credit unions, and other eligible depository institutions pledging U.S. Treasuries, agency debt and mortgage-backed securities, and other qualifying assets as collateral. These assets will be valued at par. The BTFP will be an additional source of liquidity against high-quality securities, eliminating an institution's need to quickly sell those securities in times of stress.

Silicon Valley Bank and Signature Bank are being "resolved" and shareholders are being wiped out. Bondholders will probably get some of their money back, but they won't be made whole. Depositors will be fully protected. Bank runs are caused by depositors panicking and withdrawing their money, so the BTFP should be sufficient to forestall that catastrophe without "bailing out" banks using taxpayer dollars. I guess we'll find out.

David B. Rivkin Jr. and Lee A. Casey explain why it's impossible for the United States to default on its debts.

Those who warn of default confuse debt payments with other spending obligations. "A failure on the part of the United States to meet any obligation, whether it's to debt holders, to members of our military or to Social Security recipients, is effectively a default," Treasury Secretary Janet Yellen said in January.

That's nonsense. Authorized and even appropriated spending isn't "the public debt." For constitutional purposes, promised benefits from Social Security, Medicare and other entitlements aren't even property, as the Supreme Court held in Flemming v. Nestor (1960), and Congress has as much authority to reduce them as to increase them. When lawmakers were drafting the 14th Amendment, they revised Section 4's language to replace the term "obligations" with "debts." If the Treasury ran out of money, the constitutional obligation to pay bondholders would trump all statutory obligations to spend.

Ms. Yellen also said that "Treasury's systems have all been built to pay all of our bills when they're due and on time, and not to prioritize one form of spending over another." But as the Journal has reported, department officials conceded in 2011 that the government's fiscal machinery certainly could prioritize payments to bondholders, and the Federal Reserve prepared for such a contingency. There's no question enough money would be available: The government collects roughly $450 billion a month in tax revenue, more than enough to cover the $55 billion or so in monthly debt service.

We've got plenty of money to make debt payments, but we may need to cut other spending to do it -- which we would be Constitutionally required to do.

(HT: Instapundit.)

Rising interest rates and high levels of corporate debt have lots of investors concerned. Should small businesses be worried?

The majority of small businesses (in most industries) are able to pay their bills on time. According to Experian/Moodys Analytics Main Street Report, overall delinquencies for businesses with fewer than 100 employees were slightly down in the third quarter of 2018. Credit utilization rates were also down slightly.

At the same time, that same research has found that rates for delinquencies of 31 to 90 days rose slightly. While it is not yet a cause for concern, the report points out that the period of consistent declines in delinquency rates for small businesses may be near its end.

complete article

After the pandemic knocked the wind out of our economy, recovery plans focused mainly on saving existing small businesses rather than breathing life into new ones. Yet entrepreneurship is critical to emerging from the Covid-induced recession. Startups drive almost all net new-job creation. They contribute disproportionately to innovation, breaking new ground while also spurring midsize and large companies to follow suit. And perhaps most important in the current climate, startups are well-positioned to respond to drastic changes in consumer and business behavior, recognizing and acting on opportunities born of adversity.

For aspiring entrepreneurs, student debt reduces the amount of cash avail­able for startups and affects their credit score, making business loans tough to secure. It also renders more daunting the prospect of failure, which increases risk aversion.

Scholz' Regierungserklärung am Mittag dürfte den Wahlkampf eröffnen. Dabei kommt es nicht nur zum Rededuell mit CDU-Chef Merz. Auch Bayerns Regierungschef Söder will sich bei seiner Premiere im Bundestag den Kanzler "vorknöpfen". Von S. Henkel.

In the 1990s, three former Mossad agents try to work out what went wrong during their mid-60s mission in East Berlin to kidnap and bring to justice a very evil man. With Helen Mirren, Tom Wilkinson and Jessica Chastain. Now playing.

Michael Jackson with Britney Spears legs! Oh my! It's the DNA slot machine, bet on mixing and matching celebrities DNA.

Virtual Bush, much like the real G.W. only with you at the controls instead of Dick Cheney.

The Nigerian National Petroleum Corporation (NNPC), a state-owned entity, recently acknowledged its substantial debt of $6 billion to petrol suppliers. This admission, made in early September 2024, marks a significant development in the Nigerian oil industry, which has been grappling with various challenges. The debt revelation came after months of speculation and denials. The NNPC’s financial strain has been attributed to the gap between fixed pump prices and international fuel costs, exacerbated by the removal of fuel subsidies in 2023. This policy change led to a sharp increase in petrol prices, with motorists now paying over 45% more per litre. The financial burden has had a ripple effect on the NNPC’s operations and the broader oil industry. Suppliers have reduced the volume of petrol provided to the NNPC, resulting in a six-week-long petrol scarcity across Nigeria. This scarcity has caused significant disruptions in daily life and economic activities, highlighting the critical role of the NNPC in ensuring national energy security. Despite these challenges, the NNPC reported record crude oil sales of N14 trillion ($8.6 billion) in 2023, a substantial increase from the previous year. However, the company’s ambitious target of achieving two million barrels per day of crude oil production...

Hello,

We have some GREAT news for those of you that are with BT. As you may know, BT has made calls to 0870 numbers FREE OF CHARGE.

This means that you can now use our access number 0870 794 8155 to make free calls to most destinations, including the USA, Canada, Poland, Sweden and many more.

To make things easier for you, all countries eligible for free calls are listed in our special rate tool, available here:

http://www.extracall.com/bt.html

Please note that BT has limited these free calls to 60 minutes per call. Full terms and conditions are on our website. If you are not on BT, we still offer great value calls to every destination worldwide - either via our instant-access service, or our new top-up service.

Start saving money today on all your calls with us.

Best regards,
Alex
http://www.ExtraCall.com

CDC issues health alert to U.S. doctors over subtype of monkeypox spreading in Congo that kills one in ten and is more infectious –Alert warned clinicians to test patients traveling from the Congo for the virus | 7 Dec 2023 | Doctors in the US are being told to look out for a more deadly […]

Music Clothing and Rock T-Shirt's. EBTM Voucher

[HRW] Suspend Discriminatory and Stigmatizing Criminal Offense

(Telecompaper) US service provider Ritter Communications has closed an upsized debt refinance worth USD 590 million...

Moet een telecombedrijf uitbreiden buiten zijn thuismarkt? Deze vraag kwam vorige week in het nieuws nadat BCE een grote stap naar de VS aankondigde, terwijl BT en NTT gemengde resultaten lieten zien bij het opbouwen van een internationale business...

This company profile analyses BT's organisation in the Benelux, with a focus on Belgium, where the UK-based operator provides managed network and IT services for multi-site organisations. The report contains information on the company's current position and strategy, discusses the latest financial figures and gives an overview of its network and product portfolio. It looks at the market in which BT operates as well as its competitors. Furthermore, the profile reports on BT's marketing activities, including its customer strategy. Lastly the profile contains Telecompaper's SWOT analysis of BT in the Benelux.

(Telecompaper) Swedish satellite broadband provider Forsway has announced a development funding contract from the European Space Agency (ESA) with support from the Swedish National Space Agency (SNSA). Under the Xtend 5G project, Forsway will build a next generation 5G non-terrestrial network (NTN) two-way/hybrid...

2024年10月31日、電子コミックのプラットフォームWEBTOONを提供するWEBTOON Entertainment社が、触って楽しむことのできる電子コミック（tactile digital comics）を韓国のベンチャー企業Dot Inc.と共同で作成したと発表しました。

発表によると、これは視覚障害者向けに画像を点字に変換して表現するDot Inc.の技術を活用した取組です。今回作成されたのは電子コミックシリーズ“Yumi’s Cells”と“Hooky”の2タイトルで、Dot Inc.の点字ディスプレイDot Padで利用可能となる予定とあります。

WEBTOON Entertainment and Dot Inc. Release World’s First Tactile Digital Comics（WEBTOON, 2024/10/31）
https://about.webtoon.com/press-release/164

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