This is what I think:

• Community:
  • Trust the members’ input.
  • Allow the members to be known and get credit by measuring their contributions.
  • Allow other members in the community to measure and respond to contributions.
  • Enable members’ knowledge base to evolve as processes and concepts change.
  • Enables user to embrace the content ownership
• Content
  • Make it easy to contribute to your knowledge base and make it accessible to others.
  • Reviews, Ratings, Comments, Focus: Freedom of expression
  • Free content
  • Using the power of the crowd
  • Originality
  • Community decides what they want to see on the site
• Context
  • Displaying the information based on reality of the user or page
  • Giving the value to people near you (in taste or physical location)
  • Provides personalization of the content
• - Commerce
  • Adapting non-revenue-generating website into that generates revenue
  • Via affiliates programs
  • Without disturbing the community
  • Should be well hidden between the lines
  • $$$
• Personalization
  • Allowing the user to tailor the site in accordance with their tastes and preferences.
  • Caters the sense of ownership / ease of use
• Vertical Search
  • Introducing the context into search (showing results that are more relevant to user)
  • Introducing other sites (possibly affiliate sites/competitors) into search.

Linus Torvalds – The Linux kernel author
Dave Thomas – Author of the Pragmmatic Programmer, Programming Ruby and other great books about programming. One can read his mainly programming-related thoughts here.
David Heinemeier Hansson – Author of the Rails Framework – the new hot web development framework. He has a weblog here.
Steve Yegge – Proably the least known from guys here, but also made one of the most interestings answers, has a popular weblog about programming. He is also the author of a game called „Wyvern”.
Peter Norvig – Research Director at Google, a well known Lisper, author of famous (in some circles at least) books about AI. See his homepage.
Guido Van Rossum – The Python language creator
James Gosling – The Java language creator
Tim Bray – One of the XML and Atom specifications author and a blogger too.

Read the rest of the interview from here: StiffLog

Plain and simple, bad credit affects your credit rating/score (FICO score) and your ability to get financing. The impact of bad credit can range from not getting the loan or credit card to having to pay interest rates well in excess of what you would see if you had good credit.

OK, enough about the past, what can you do to repair your credit.

1) Get a copy of your current credit report.

In Canada, there are two main credit bureaus

Equifax 1-800-465-7166
Trans Union 1-800-888-4213
Of the two bureaus, likely the most recognized would be Equifax.

2) Review your credit report.

Yes, mistakes are made. Past bad credit may not have been removed even though they have already been paid.
There may also be comments, which are considered to be negative. This is your opportunity to respond to those comments.
If you do owe money to a creditor, repay the creditor and ask that they remove the negative credit including comments from your report.

3) Pay off debt.

If you have a significant amount of debt, this can also affect your ability to get credit. Some lenders will have a problem with extending credit if they see a significant amount of debt, even though all payments have been made. The general consensus is to keep debt to less than 30% of your credit limit.
Pay off the debt with the highest interest rates first.

4) Take out a loan or get a credit card.

That’s right, get a loan or a credit card and purchase something you know you can pay off in very short order. If your credit is poor, you may have to pay a higher interest rate but if you pay the debt off quickly, the interest charged will be minimal.
If you cannot get a loan, ask a family member or friend to co-sign for a loan or credit card. Repaying debt on a small loan or credit card will help speed up your ability to repair your credit.

5) Call the lender.

If you cannot make your minimum payments, consider calling the lender and explaining your situation. Many lenders look favorably on those that take the initiative to deal with their debts.
Unless you win the lottery, everyone will eventually need credit and it’s too late to deal with bad credit when you need credit. Lenders base much of their lending decisions on your past history. To pay off debt the day before your looking for credit is no good.

If you have bad credit, don’t get too overwhelmed, take each debt one step at a time. Pay off the highest interest rate debt first and go from there. Showing your willingness and ability to deal with past debt problems goes a long way to showing lenders that you are worth considering.

Mail it to :
P.O. Box 190, Station Jean-Talon,
Montreal, Quebec
H1S 2Z2

Thoughts Aside:
The american express online offers its clients personalized online access to the bank of america card as well as other financial services. City bank of America offers low interest card at the lowest interest rate of citi cards available. The citizens bank also facilitates its customers by guiding them all through the chase credit card rates now available.