gps shield error. Card init. failed!

dont know if anybody can help with this but im getting a wierd error. “card init. failed!” this error come up before i connect the gps shield to the arduino. i actually get this same error with my wave shield. iv tried both the regular atmel and the new 328 and get the same error. everything seems to be fine but it does not work.

thank you for any help.
shawn