www.markholder.org

Author's note. I've reached the age where friends and loved ones pass with greater frequency. This is my attempt to memorialize those who have gone before, the first in a series dedicated to absent friends. These are people I love and respect, whose stories deserve to be told. Mitch I met Mitch my junior year in high school. He'd transferred from a nearby school and was a year younger than I. This was a fortunate move for me, as both of my closest friends had moved out of state over the summer and I was feeling a bit lost. Marijuana and rock music solidified the friendship, and soon we were hanging out alot with the mutual friends. Our group of friends were stoners and lived the stoner lifestyle, getting high, watching too much TV, living on junk food. We’d tell the same jokes repeatedly, laugh like we’d never heard it before, only for one of us to tell it again soon after and repeat the cycle. It was like a scene in Philip K Dick’s “A Scanner Darkly,” when Bob Arctor ...

If you've spent any time at all on this site, you will have noticed I have an interest in investing. I had no interest in finance until my mid-40s, when I took a job at a printing company in which one of the partners is a CPA. I learned personal finance the hard way, struggling with credit card debt in my early 20s (it was the 90s; I blame the guitar and camera stores). After digging myself out of the hole I was in by age 27, I was cautious to avoid debt anytime I could. Investing, aside from employer retirement plans, was not on my radar. Fatherhood really spurred me into action when it came to investing. There's simply no way a savings account can outpace inflation; if you want to thrive financially, investing is the best way to get ahead. So, with encouragement from my boss, I began to study and learn. Investopedia and The Balance proved to be immensely helpful. In time, I opened an account and started buying exchange traded funds (ETFs) and was on my way. I read a few...

Big trouble is brewing in a neighboring town. Cedartown, Georgia has a scandal of its very own: an affinity fraud in the form of a Ponzi scheme is allegedly being perpetrated by a building and loan organization. The target: conservative Christian Republicans. The alleged perp: a fellow conservative Christian Republican, tho there's nothing conservative about the amount of money bilked: $140,000,000.00 from approximately 300 victims. That's a stunning average of $466,667.00 per victim.  Affinity fraud is nothing new. For a prime example, just search the name "Bernie Madoff" and you'll receive a Master's thesis of information. Like Madoff, the head of the building and loan targeted those who felt they could trust their fellow traveler. Also like Madoff, the alleged perp promised  unusually high returns on investments in distressed businesses. The returns were rumored to be in the area of 8-18%. I'm no financial guru but if my business needs a loan with a 1...

Part 1: Treetop Flyer In the immediate pre-Covid era, when my son was 4 and 5 years old, he played soccer (at 4) and T-ball (at 5) in our small rural town in Georgia. Both years, two prop-driven airplanes flew over the fields the team was practicing or playing on. The plain, painted dark and with no clear tail markings, didn’t appear to be commercial aircraft, nor did they fly at high altitude; at times they seemed to be just above the tree tops. Needless to say, all action on the field stopped as the children and parents stopped in wonder to watch them fly by. Around this same time, a controlled substance arrest took place in an equally rural county across the state line in Alabama. Among the usual contraband of substances and paraphernalia was found a small amount of heroin. That last detail caught my eye as the area in which the arrests took place is even more rural than my own. When I lived in Sydney, heroin was a fact of life in the port city and was said to be quite easy to...

In January 2020, a young lady named Keeslyn Roberts disappeared from a fuel station near my home. The case remains unsolved. This post will examine the actions, and lack thereof, of those in authority, and how this contributes to the case remaining unsolved. But first, a little backstory. As a teen, I lived in the same neighborhood as the Roberts family. Keeslyn's father, Eric, is older than I, and I don't recall the two of us having much interaction. His sister, on the other hand, is the same age and we've been friends for over 40 years. It was she who told me about Keeslyn's disappearance and the family's frustrations with the lack of police action. To learn more of the specifics of the case, numerous podcasts and news stories are available online. To my understanding, the police reaction to the disappearance has thus far been little to no reaction. After no word from his daughter for several days, Eric went to the fuel station where her car was parked. He th...

Savannah, Georgia is one of my favorite cities. Younger than London, older than San Francisco, with a degree of quirk rivaled only by New Orleans, Savannah is a six hour (if Atlanta traffic is agreeable) drive from my home in the northwestern corner of the state.  Comparing my region with that of Savannah is an exercise in futility; they are worlds apart. One is lower Appalachia, with rolling green hills and valleys, creeks and waterfalls. The other is coastal Georgia, low country, wetlands. Even the cultures and accents are sufficiently different as to make a new acquaintance appear surprised when they ask where you're from and you reply "Georgia." Something neither place lacks is ghosts, but you probably knew that, didn't you? View this YouTube video by Dixie After Dark for a bit of info on Georgia's first ghost, Alice Riley. I love writing about Savannah. I can almost see the Spanish moss and smell the pot of low country boil!