Wells Fargo Student Loan Consolidation Measures up the Refinancing Market

As an independent, transparent marketplace for student loan refinancing, Credible will be producing a series of articles profiling lenders in the refinancing space. 

With the student loan refinancing market expanding, there are many lenders willing to refinance and consolidate your student loans. Lenders come in all sizes, from big banks to newly emerged peer-to-peer lenders.

Wells Fargo is the most notable of big banks that will consolidate your student loans. Here is a deeper look into a consolidation with Wells Fargo.

Wells Fargo Student Loan Consolidation Highlights

  • 15-20 year loan repayment term, rates as low as 3.24% APR
  • Discounts available for Wells Fargo customers
  • Interest only payments and deferments are not available
  • Only private loans can be refinanced

Choosing Wells Fargo allows you to work with a well established financial institution. In 2014, they were named the Best U.S Bank by The Banker magazine and they have over 8,700 locations.

Mission

Wells Fargo promotes their loan consolidation to help individuals save money as well as simplify the loan repayment process. They want borrowers to, “Achieve more and worry less about loan payments in your new life after college.” Their banking products have been high ranking around the world, and have spent several billions of dollars on charitable organizations and community outreach. In 2014, they recorded 1.74 million hours of volunteer work done by their team members.

Product Offerings

Wells Fargo student loan consolidation only offers 15 and 20-year loans, but there is no penalty if you pay off your student loan early. One disadvantage of these two loans is that Wells Fargo does not allow interest only or deferment payments, like their competitors.

Rates: (Valid as of May 18, 2015)

Term

Fixed

Variable

15-year loan

6.49% – 11.79%

3.24 – 8.49%

20-year loan

6.49% – 11.79%

3.24 – 8.49%

*Lowest rates include customer discount and automatic payment discount.

Co-signers are allowed on these consolidation loans and can help borrowers achieve a better interest rate. If the co-signer is a Well’s Fargo customer, but the main borrower is not, then the loan will still receive the .25% rate reduction for the customer discount.

Details

Borrowers can borrow up to $120,000 for the consolidation loan. However, the lifetime limit for the loan combined with all other education-related debt is $250,000. Repayment of the loan begins immediately after consolidation has been approved. Therefore, if the borrower is still a student with loans that do not require repayment until after graduation, then they should wait until graduation before enrolling in the Wells Fargo consolidation loan to save money.

For those who are struggling to pay back their debt, Wells Fargo offers up to two months of forbearance. Another forbearance would not be granted until twelve consecutive payments have been made.

Instead of issuing a penalty interest rate for missed payments, a $28 fee is issued for each payment over 10 days late.

Benefits

For individuals or cosigners with an existing relationship with Wells Fargo, their rates can be some of the lowest. Wells Fargo offers two APR discounts on their products, which can be stacked for a combined .50% rate reduction. Previous Wells Fargo customers receive .25% rate reduction for a previous Wells Fargo student loan or for another qualifying Wells Fargo product. Individuals can also receive an extra .25% rate reduction for enrolling in automatic payments.

Who should explore Wells Fargo?

Graduates with private student loans are the best fit for a Wells Fargo’s loan consolidation. Wells Fargo will not consolidate federal loans. Consolidating your student loans can lower your monthly payment and simplify the paying process.

Wells Fargo Student Loan Consolidation Reviews

Most Wells Fargo reviews focus on the fact that the big bank does not offer deferment options like its competitors, however borrowers do not find this much of an issue, but find the discounts offered very enticing.

If you are interested in exploring other refinancing options from other great lenders, visit Credible to see what options may be available to you.

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Knit and Breathe

I didn’t learn to knit because I’m a crafty person. I’m creative, sure, but more in a “how can we make this work?” kind of way rather than a “let’s make this pretty” way. I didn’t learn to knit because my mother taught me; her mother didn’t teach her either. In fact, I don’t know any women in my family who actively knit or crochet. And I didn’t learn to knit because I just LOVE knit objects and couldn’t help myself.

I learned to knit because I was desperate.

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A few years ago, I was freelancing in a high-stress industry that expected a minimum of 12 hours of work a day, usually six days a week. I loved my job, but those hours and that stress — not to mention the commute — was just too much. I had great friends and family, but finding time to see them was just as stressful as working. Not to mention, constantly disappointing them when I couldn’t show up wasn’t fun either.

The lack of friend and family contact started to get to me. My exhaustion led to depression, and I started spending my free time alone in my room with Netflix. I’m a huge supporter of Netflix binges, but only in moderation. When it’s the only thing you do outside of work, that’s when it becomes a problem.

It was bad enough that I was tired and unhappy most of the time, but then, as it so often happens, my depression led way for anxiety. Feeling anxious was probably the worst thing I’ve ever experienced up until that point. I used to love going out and chatting with old friends, but when I tried my whole body would shake, my breathing would labor, and my vision would blur. Oh, and I did I mention that I would get lightheaded and have trouble walking? Not fun.

In an act of desperation, I quit freelancing and found a boring job in an office with normal hours. If you think making a radical change like that would be a cure-all, you’d be wrong. It just made things worse because I started having huge second thoughts about leaving my career.

This was all a few years ago, back before the Affordable Care Act. Back when freelancers were screwed on options, and you were denied health care because of pre-existing conditions. (And no, my new office job didn’t offer health insurance, either.)

I couldn’t afford psychiatric help in New York City, though I’m a huge believer in it. Seriously, if you can go, you should. But I didn’t have that option at the time. So what to do?

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At my new, terribly boring office job, I had become a news junkie. In between all of the horrible stories about rapes and shootings and other disasters, there was a study about how working with your hands was good for you and good for your brain.

I already loved cooking, sewing and gardening (though my skills at the last two are somewhat questionable), but it wasn’t enough. I needed something else, something where if I messed up, I could just start over instead of ruining (or killing) my project.

I actively avoided knitting for a very long time. Friends would try to get me to take knitting classes with them, and I refused. What’s the point of knitting, anyway? I have plenty of scarves. Thanks, but no thanks.

But when it becomes a struggle to leave the house, you’ll try anything. Including knitting. It helps to see articles from CNN and Canadian Living, among others, always popping up and touting knitting as being wonderful for your brain. I decided to give it a shot.

I tried teaching myself to knit, rather unsuccessfully, from a variety of YouTube videos. The quality wasn’t that great, and it was a bit of a struggle at first.

I was so irritated that I couldn’t learn from home that I sucked it up, rounded up some friends, arranged for private lessons, and spent my evenings working on a lace blanket. I started going to knitting meet-ups so I could meet other knitters and improve my skills, and slowly, my anxiety and depression started to slip away.

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To say that knitting pulled me out of my deep rut is a bit of an understatement. I believe knitting saved my life, and I didn’t even realize it was helping because I was so focused on figuring out which needle went into which hole to make a pretty design (or at least something recognizable) that I didn’t have time to worry about the stresses of my life.

Now I try to always keep my knitting projects nearby, and I usually have a couple going at the same time. I love knitting each night to take my mind off the day. Sometimes, if I know it’s going to be a hectic day, I’ll knit in the mornings before I get going.

It’s my favorite form of mindful meditation. I take a few minutes for myself each day, focus on my breathing, on the feel of the yarn in my hands, and I listen to the clicking of the needles as I work. I can zone out from the ambush of negative and stressful thoughts that sometimes invade my consciousness AND be productive at the same time.

I cannot endorse knitting enough. I even started offering knitting courses online as a way to reach out to others who still want a safe, home-based activity that helps them achieve a little bit of peace (and a finished project!). Knitting helped me fall back in love with the world, it saved my life, and it just might save yours too.

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Hillary Clinton Campaign Begins Drafting Policy Solutions To Heroin Epidemic

WASHINGTON — After hearing story after story from voters on the campaign trail about heroin’s toll, Hillary Clinton instructed her policy team to draw up solutions to the burgeoning opiate epidemic.

A Clinton aide told The Huffington Post that the Democratic presidential candidate decided to make mental health and drug addiction a major campaign issue after stops in Iowa and New Hampshire, where she kept hearing from people that the problem needs more attention. It’s the type of issue that may not get much attention inside the Beltway and on Sunday talk shows, but opiate addiction has become a devastating problem.

Clinton brought it up on Monday during a stop in Iowa, telling supporters that she wants to “end the stigma against talking about it.”

“When I started running, when I started thinking about this campaign, I did not believe I would be standing in your living room talking about the drug abuse problem, the mental health problem, and the suicide problem,” she said at the home of one of the first gay couples in the state to wed. “But I’m now convinced I have to talk about it. I have to do everything I can in this campaign to raise it, to end the stigma against talking about it.”

A Centers for Disease Control and Prevention study of 28 states found that heroin deaths doubled from 2010 to 2012. U.S. heroin-related overdose deaths increased 39 percent in 2013 from the year before, hitting 8,257. Vermont’s governor devoted his entire 2014 state of the state speech to heroin. In New York City, there are more heroin deaths than homicides.

“This is tearing families apart, but it is below the surface,” Clinton said. “We aren’t talking about it because it is something that is hard to deal with.”

The heroin or opioid epidemic has exposed the U.S. drug treatment system as inadequate, both in its capacity to treat those addicted and to do so using evidence-based care. Although medically assisted treatments, such as medications methadone and buprenorphine, are viewed by the medical community as essential components of an opioid addict’s recovery, they are inaccessible to the vast majority in need.

Some treatment centers and drug courts continue to insist that addicts refuse these medically assisted treatments. Following a HuffPost investigation into “abstinence-based” opiate treatment, the federal government barred state drug programs from getting federal money if they force addicts to wean off of medications.

Clinton has been holding a series of events to discuss substance abuse and mental health. She laid the groundwork for these events at a roundtable in New Hampshire last month, one of her first campaign events as an announced presidential candidate.

When a voter mentioned that substance abuse was a major problem in the community, Clinton called it a “quiet epidemic” and said it’s “not just something we can brush under the rug.” She commended the Affordable Care Act for placing more emphasis on requiring health insurers to cover treatments for mental health and substance abuse, but said there needs to be more policy reform, from local to national.

“There is a hidden epidemic. We know the drug use problem, whether it’s pills or meth or heroin, is not as visible as 30 years ago when there were all kinds of gangs and violence,” Clinton said. “This is a quiet epidemic and it is striking in small towns and rural areas as much as any big city. I think a lot of people are thinking, well, that’s somebody else’s problem, that’s not my problem. And indeed, it is all of our problem and we don’t have enough resources, so that if somebody decides that they wanted to get help, where do you send them to? What kind of opportunities do they have for treatment? And I am convinced that the mental health issues — because I consider substance abuse part of mental health issues — is going to be a big part of my campaign, because increasingly it’s a big issue that people raise with me.”

Clinton also mentioned substance abuse and mental health in a major speech on criminal justice reform that she made last month in the wake of the riots in Baltimore after the death of Freddie Gray at the hands of police. She emphasized the links between problems in the criminal justice system and problems in treating mental health and drug abuse.

“The promise of deinstitutionalizing those in mental health facilities was supposed to be followed by the creation of community-based treatment centers,” she said. “Our prisons and our jails are now our mental health institutions.”

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What a Hawaiian Rainforest Taught Me About the Power of Intention

I’m on the island of Oahu taking the whole family on an epic Hawaiian vacation.

Babette says she wants to visit a waterfall because she loves the idea of being under a waterfall in Hawaii.

I check the guidebooks and pick an excursion that will take us on a trek through a Hawaiian rainforest only minutes from our hotel room on Waikiki Beach.

The same location where they film movies and TV shows like The Hunger Games, Jurassic Park and Lost.

Our tour guide says the hike to the waterfall is less than a mile on a “beginner” type of trail.

Oh good, think I.

He drives us up a windy mountain road until we are literally in the clouds.

There’s a slight mist that makes everything damp and slick.

We start our hike.

The path starts out nice and flat.

The views are absolutely stunning – here’s one…

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Here’s another…

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It’s not hard to imagine T. Rex and velociraptors still might be roaming around the next curve.

Gradually, however, the path becomes a little steeper…

Then a little steeper…

Suddenly, we’re climbing up a very steep, slippery path made even more treacherous by the presence of that fine mist that makes every step like trying to climb up a mud bath.

But guess what?

The entire time we’re going up, I’m thinking…

“If it’s this bad going up, how bad is it going to be coming down?”

Because I’ve done enough hiking to know that as hard as a mountain may be to climb up, it’s twice as hard to come down.

Then I see some fellow hikers coming down the mountain, and they all have walking sticks to assist them.

And I’m thinking, “God, I wish I had a walking stick for the trip down.”

Then we finally come to the waterfall – and it’s totally worth it.

Look…

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(The actual waterfall is over 150 feet tall, so you can’t see even a tenth of it in this photo. Trust me: Totally worth it.)

But I still have a very huge problem.

How to hike down that treacherous path we just came up without killing myself.

I’m silently praying: “God, I really need a walking stick to make it down this mountain.”

Babette and the kids decide to jump in the fresh water wading pool at the base of the waterfall.

I’m watching them with a smile, silently praying, “God, I really need a walking stick to make it down this mountain.”

I look at the time and realize that we have to start heading back down the mountain to meet our tour guide for our ride home.

And I’m silently praying, “God, I really need a walking stick to make it down this mountain.”

Amber comes out of the wading pool and says, “Noah, could you use a walking stick?”

And she hands me what looks like Gandalf’s staff from Lord of the Rings.

It had been laying there the whole time, about ten feet from where I’d been sitting, just out of my sight.

The fact that she found the perfect walking stick was miraculous enough.

But what made it truly incredible is the fact that the stick was at the top of the mountain.

That means someone had to have left it and NOT gone down the mountain with it.

There are no words to describe my gratitude for the appearance of this miracle walking stick.

And believe me – I don’t know how I would have made it down the mountain without it.

Here it is (with Amber who found it for me)…

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The power of intention + Asking for help + Someone who can see something you can’t + Taking action even in the face of doubt = Miracles

 

Noah’s Note: Sometimes miracles happen when you least expect them. In fact, isn’t that the definition of a miracle? 

 

I believe in you!

If you like today’s article, please comment and share if you want more content like this…

2013-12-16-1NoahStJohn.jpgNoah St. John is famous for inventing Afformations and helping busy entrepreneurs to accelerate income, boost self-confidence, and make success automatic.

His sought-after advice has been called the “secret sauce” for creating breakthrough performance.

Get Noah’s new video training series How to Boost Income and Self-Confidence Using Power Habits ® FREE at www.PowerHabitsAcademy.com .

Inventor of Afformations; founder of Power Habits®PowerHabitsAcademy.com

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Scientists close to brewing morphine (or heroin) from sugar

Sugar is basically ubiquitous and it looks like it could be used to make morphine, which is a refined form of heroin. Recent research shows that a genetically modified strain of yeast, when exposed to sugar, could be used to ferment the opioid. Yes, …

How To Stop Outlook’s Security Warnings

2013-outlookOutlook (2007 to current) has started to give me security warnings about an application that wanted to access my email and contacts (it’s called programmatic access). The message reads:

A program is trying to access e-mail address information stored in Outlook. If this is unexpected, click deny and verify your antivirus software is up-to-date. For more information about email safety and about how you might be able to avoid getting this warning, click Help.

The first thing I did was to deny it, but the dialog would come back right away and basically blocked me from using Outlook and it is pretty alienating.

Outlook did not provide any clue whatsoever as for which app or plugin was responsible for this, so that was a bit infuriating. My research showed that it also happens routinely with other version of Outlook as well, so here’s are a few ways of getting rid of that irritating message, without compromising security.

Prerequisite

We are going to tweak some settings, so it may be better to run Outlook as an administrator. Here’s how to do it: right-click on the Outlook Icon and choose “run as administrator”. That’s it.

First, you can actually “deny” the alert for 10mn. It’s not very intuitive, but you need to pick “accept access for 10mn” and click Deny. The Microsoft help page on this topic is vaguely helpful.

Here are a couple of ways to prevent this from happening, without compromising your security by totally disabling the alert, which is an equivalent of “ignore the pain”…

My configuration

  • Outlook 2010 (also tested with Outlook 2013 on my laptop)
  • .NET programmability support NOT installed
  • Digital Certificate for VBA installed: this is supposed to suppress warning for known “good” add-ins.
  • Visual Basic for Applications installed (removing it may help further)

Method 1: update your anti-virus

windows-8-defenderIf you read the options carefully, you may realize that Outlook will emit more warnings like this if your antivirus is not up-to-date or disabled. When there’s an active antivirus, Outlook probably considers that security is tight enough to let programmatic access happen.

The simplest way to do this is to activate or update Windows Defender, the built-in antivirus from Microsoft. Here’s how to do it:

  • Start > Search box > type Control Panel > open the control panel
  • Control Panel Search box > type Windows Defender > open Windows Defender
  • You will see if Windows Defender is ON and up-to-date
  • Update it if necessary
  • To enable it, to go Windows Defender > Settings Tab > Check “turn on real-time protection”

Windows can detect a number of third party anti-viruses as well, so if you are using a well-known 3rd party app, it should fulfill the same role as far as Outlook is concerned. Outlook should explicitly say if it detects such a software, or not. With an anti-virus active, it will be less likely to freak out and output warnings.

Method 2: disable/remove add-ins that you don’t need

outlook-2010-addinsIf activating the anti-virus was not sufficient, it means that one of the add-ins makes Outlook upset, but without any information as to which, you will need to poke around to see what is causing the warning.

Depending on your installation, you may have a number of them. For example, apps like Evernote will install an outlook add-in to facilitate sending clips.

To disable add-ins, in Outlook, do this:

  • File > Options > Add-ins > Manage: COM Add-ins > Go
  • Uncheck all the Add-ins that you don’t need
  • Press OK

Restart outlook in default mode (not administrator), and see if the warning message re-appears. You can then re-add the add-ins you need one by one.

When in doubt, and if you don’t need it, you can also completely remove the “Visual Basic for Applications” component by going back to Control Panel > Programs > Outlook > Change

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By doing this, I have successfully removed this very annoying message from my Outlook and was on my way back to productivity. If this doesn’t work for you, drop a comment, and explain to us exactly what your configuration is, and what message you are seeing. Maybe myself or someone else can pitch in to help.

Good luck!

If someone from #Microsoft reads this: please give users the information about what App/Add-in/DLL/anything tries to access so that we can accept or deny with a clue. Secondly, we need to have something like “deny forever” so that we don’t need to do this every 10mn.

How To Stop Outlook’s Security Warnings , original content from Ubergizmo. Read our Copyrights and terms of use.



LG G4 Stylus, G4c Officially Announced

lg g4 stylusWe have been hearing rumors that LG was working on two variants of its flagship smartphone the LG G4. The variants include one model with a stylus and another dubbed the LG G4c which is said to be the smaller version of the LG G4. Well as it turns out it looks like the rumors were right on the money as LG has officially announced the LG G4 Stylus and the LG G4c.

Starting with the LG G4 Stylus, as the name implies, this is a smartphone that will come with a stylus attached to it, kind of like what Samsung has done with their Note series of smartphones. It will sport a 5.7-inch display but unfortunately it seems that LG has decided to go with a 720p HD display instead. It will be powered by a quad-core chipset for the LTE model, and a octa-core chipset for the 3G model.

It will be accompanied by 1GB of RAM, 8GB of onboard storage, a 13MP rear-facing camera for the LTE model and an 8MP camera for the 3G model. However both LTE and 3G models will come with a 5MP front-facing camera, a 3,000mAh battery that is removable and will come with Android 5.0 Lollipop preinstalled.

As for the LG G4c, like we said this is basically a smaller version of the LG G4. It will feature a 5-inch 720p HD display and will be accompanied by a 1.2GHz quad-core processor, 1GB of RAM, 8GB of onboard storage, a microSD card slot for memory expansion, an 8MP rear-facing camera, a 5MP front-facing camera, a 2,540mAh battery, and will also come with Android 5.0 Lollipop. Pricing and availability have yet to be announced but LG states that both phones are scheduled for a release in the coming weeks.

LG G4 Stylus, G4c Officially Announced , original content from Ubergizmo. Read our Copyrights and terms of use.



69 Percent Of Americans Are Worried About Circus Animals

A recent Gallup poll has great news for animals.

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A Road Trip for Public Transportation

Sometimes I need a good road trip to think about public transportation. Last week I took a much needed working vacation by flying to Reno. A friend met me there and we started our adventure, by car, in the rapidly hipsterfying Midtown neighborhood. Aside from the slots everywhere and the off in the distance neon signs of the casinos downtown, I could have been on York Blvd in Highland Park or in LA’s Arts District. It’s a big country and not everyone is sold on, or can afford to live in the growing Bohemian colonies of Los Angeles, Oakland, Brooklyn, Portland and San Francisco. And in general I think the world is a tastier, and maybe better, place for it.

From Reno we made our way to the Kit Carson Wilderness and the Hope Valley south of Lake Tahoe. With an elevation of 7,000 feet (2,134 m), the only thing missing in the Hope Valley is snow. This year’s snowfall was around 160 cm or five and a quarter feet. In a ‘normal’ year, the Hope Valley’s snowfall should be ~500 inches (1,300 cm).

But all was not lost. The next day, thanks to a freak, late-season storm, I was hiking through the Hope Valley covered in a half a foot (15.24 cm) of fresh snow, in May. Not enough to put a dent in our dire drought reality but welcome nonetheless for the Sierra and the state.

On Friday, during a break in the storm, we headed out of the mountains along beautiful Mormon Emigrant Trail toward Sacramento. With the Bay Area our destination but with no desire to jump onto I-80 for the white knuckle drive, we took a slower but far more interesting route southwest along 160, River Road, through the Sacramento Delta. If not for the heavily agricultural Delta which now sits largely below sea level protected by levees, the San Joaquin Valley and Southern California wouldn’t have the water they need to survive. According to the Association of California Water Agencies, roughly half the total river flow in California passes through the Delta, with water exported to the San Joaquin Valley, Southern California and parts of the Bay Area. In all, these sources supply water to 1,130,000 acres (460,000 ha) of farmland and 23 million people in central and Southern California.

The Save Our Delta, Stop the Tunnels signs dotting the landscape attest to the widespread local concern that Governor Brown’s plans for a peripheral canal will further decimate the sensitive Delta’s already challenged environment.

As can be with much of one’s travel in the West, the drive proved a history lesson as we stopped to take in the towns of Locke, Walnut Grove and Isleton which were once home to large Chinese and Japanese communities. Walnut Grove had a big Japanese population as early as 1914. The town remained racially segregated until the start of the Second World War and Executive Order 9066 which ordered the wartime internment of the Japanese.

From Isleton we had one more stop to make before we hit the Bay Area proper, in Brentwood, to pick cherries at a u-pick farm. The cherries were fine but more interesting was seeing the bedroom suburb sprouting up from some of the state’s best farmland, even before BART has extended its tracks into the space between the lanes along the freeway.

Water in the West is not an easy nut to crack but the need for greater public transportation in Los Angeles is no brain teaser.

Everytime I visit the Bay Area I am struck by the success of BART in all but Marin County and the way it is accepted that much of the track run along the freeways. Sure, it’s nicer to stand on a train platform in a bucolic setting looking at the sunset than at traffic crawling by on the 405. But at this point I’d almost rather stand on the platform at Jefferson Park along the Kennedy Expressway in the dead of winter waiting for the Chicago Transit Authority’s (CTA) Blue Line to downtown Chicago than wait any longer for a Metro train through the Sepulveda Pass.

Of course, the BART and CTA are far from perfect, are relatively expensive and are showing their age in look and design. But still, maybe their success underscores our own current overemphasis on esthetics rather than functionality when it comes to building out Los Angeles public transportation network.

Or maybe we are off to a great start with a new CEO at Metro.

In his recent interview with Gloria Ohland at Move LA, Metro’s new CEO Phil Washington suggested that there may be ways to privately fund the Sepulveda Pass/I-405 rail tunnel (as a public private partnership – P3). “… the private sector has money sitting on the shelf — from pension funds and private equity — that’s just waiting to be invested somewhere that provides a decent return. Transportation infrastructure is a good investment opportunity when it’s kept in a state of good repair, and it’s an investment opportunity that’s not going away. So if we do it right and negotiate these contracts properly we know there can be benefit for both the public and private sectors because we have complementary needs and assets. The big benefit for the public sector is that P3s allow for the acceleration of projects — because the private sector has money that is ready to be invested while the transit agency has to depend on a long, slow trickle of sales tax revenues and other funding over decades, during which time costs escalate and the full benefits of the transit build-out aren’t realized. P3s allow us to build the projects now and pay for them over a longer period of time…”

Building projects like a rail line from the San Fernando Valley to the South Bay now and paying for it over a longer period of time. That sounds like a good idea to me. And one that puts in place public transportation for the present as well as the future. Kind of like BART which opened in 1972.

Thanks to climate change and its resultant reduction in snowpack and the fact that California’s population will not be declining anytime soon, we face an unprecedented challenge to conserve water and use what we must efficiently. Likewise, we are overdue for a public transportation building boom that gives us the system we need for today with the root stock we need for the future. We can do this through a combination of publicly and P3-funded projects. Can you say Measure R2, the possible transportation voter initiative on next year’s ballot? I can.

Yours in transit,
Joel

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B.B. King, Erin and Me….

“In the Army, I heard an electric guitar that wasn’t playing spiritual. It was T-Bone Walker doing “Stormy Monday” and that was the prettiest sound I ever heard in my life. That’s what really started me playing the blues.”
B.B. King

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Singin’ The Blues (1956) signed by B.B. King

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Mr. Blues The King B. (1963) signed by B.B. King

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Blues On Top Of Blues (1968) signed by B.B. King

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Live In Cook County Jail (1971) signed by B.B. King

“When I sing I play in my mind, the minute I stop singing… I start to sing by playing Lucille.”
B.B. King

Born in 1925 on a cotton plantation outside Indianola, Mississippi, young Riley B. King started playing a guitar and became “Beale Street Blues Boy” who became “Blues Boy” and finally, B.B. King. An oft told tale, B.B. King saved his guitar from a burning night club. Later, he found out that the two men who knocked over a kerosene barrel which ignited the fire were fighting over a woman named Lucille. B.B. decided to name his guitar (and every subsequent guitar he played) “Lucille” as a reminder never to do anything as foolish as run into a fire to save a guitar.

B.B. King has had an incredible career. He is “The King Of The Blues” or “The King B.”, and he has influenced Jimi Hendrix, Eric Clapton, Jeff Beck, Buddy Guy, and virtually every electric guitarist since. An indefatigable road warrior, it is estimated that B.B. King has played more than 15,000 concerts in his 60 plus year career, playing 200-250 shows well into his seventies. And I saw a bunch of them.

In ’93, The Blue Note in New York City advertised “A Rare Club Date With B.B. King.” I bought tickets, and Erin and I and some friends showed up early for the first come, first served general admission. We ended up front row center, directly in front of his eminence. B.B. had his entire twelve piece band with him and it was quite a sight in this small, intimate and fabled New York jazz club. In those days, the Blue Note had mostly jazz quartets and quintets, and they were not equipped to service B.B.’s large band requirements and retinue. In fact, B.B.’s three piece horn section was relegated to off stage because they could not fit. They played off stage mostly, but when they did a solo, they scurried on, blew a few beautiful notes, and returned to the shadows. The life of a side man. Not twenty feet from greatness, more like eight…

B.B. and his band played an incredible set of music. He opened with “Let The Good Times Roll” and we were transported to another world. “Lucille” never sounded better as B.B. coaxed and bent beautiful, crystalline blues. As he went through “Sweet Sixteen”, “When It All Comes Down”, “Rock Me Baby” and “The Thrill Is Gone”, the blues were never so joyous and life affirming. The crowd erupted into a standing ovation as he finished his set. A bunch of folks started reaching out to B.B. for a handshake or a memento. B.B. saw Erin directly in front of him, smiled and handed his guitar pick to her. B.B. always had an eye for the ladies, and he has reputedly sired 15 children with 15 different woman. Apparently, as hard as he worked on stage, he was as equally tireless off.

B.B. King was very kind and gracious when I met with him backstage. He loved seeing some of the old albums. “Look how skinny I am. And young!” He was especially interested in Singin’ The Blues, his debut album released in 1956, and he paused as he looked at the song titles with care. He couldn’t have been nicer as he stuck out a big paw to shake hands.

Several years later, he published an autobiography, Blues All Around Me (1996), which was an honest and open look at his career and influences. Perhaps a little too open and honest. I found it interesting that he loved Frank Sinatra: “I’m a Frank Sinatra nut. No one sings a ballad with more tenderness…and when Sinatra wants to swing, no one swings harder. No one phrases any hipper.” And for guitar inspiration, he listened to Les Paul, inventor of the solid body electric guitar and many other recording advances like overdubbing. Less interesting was a chapter entitled “Someone Asked Me About Oral Sex.” Really B? I can think of a lot of other questions. This must be the most improbable chapter in the history of music autobiography! Prurient, salacious, and completely unnecessary, it is hard to believe that a publisher or editor fought for this chapter’s inclusion. I couldn’t believe what I was reading so I read it over and over and over and over again….just to make sure I wasn’t missing anything.

B.B. King, blues icon, legend, ladies man. Never have the blues felt so satisfying. The thrill is never gone.

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B.B. overcome with excitement, backstage, Blue Note 1993

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B.B. King Guitar Pick/Blue Note Program 1993

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Back In The Alley (1980) signed by B.B. King

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Blues ‘n’ Jazz (1983) signed by B.B. King

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Live At The Apollo (1990) signed by B.B. King

all signed albums from my collection

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