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Early in the afternoon I made a quick stop at the Suitcase City Target store and as I walked in I heard police sirens and distant speakers intoning "STAY INSIDE! LOCK YOUR DOORS!" I went in, got my snack, paid and drove away. A few minutes later there was a bulletin on the radio that a gunman had been spotted in a parking lot at #USF (which is catty-corner from the Target Plaza). Apparently no shots have been fired, which is a blessing. Stay safe, everyone!

A friend who is out of work is attending "shed sales" as a means of getting by. Today another out-of-work friend and I tagged along, partly out of curiousity, partly to see if sales could be a way to make a few extra bucks in this economy. The auctioneer was doing five different locations, with 2-3 units each. A dozen grizzled veterans followed, sheds were cut open, and families' leftovers went from $5 to $300 in desultory bidding. A couch here, a wheelchair there, all in all disappointing.

Bloomberg is reporting that Advanta's default rate just went to 56.95% in June, which is more than five times the national average of 10% for credit cards. They are charging off at 120 days instead of 180 days. About a million small business customers were cut off at the end of May, now it appears that more than half of them have defaulted after Advanta raised rates into the 30%+ range. Of course, Junk Debt Buyers will be waiting to pick up all the defaulted accounts, so lawsuits will eventuate.