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November 4, 2010

Beware of Career Politicians!

Washington seems to be irrevocably broken. We no longer have politicians who leave their communities from Alabama to Wisconsin and go to work in Washington on issues that will benefit their constituents. Once elected by their home town and state, politicians go to Washington armed with personal agendas and to do lists. That’s why D.C. is currently filled with Republicrats and the Class of 2010 will introduce Teapublicrats into Washington’s political structure. If a politician goes to Washington and dares to try to change the corrupt, crooked, fraudulent practices s/he will be labeled as ‘Public Enemy Number One’ and everything they try to work on — no matter how good for America — will be blocked. Saying that our government is a social order of elite cliques is an understatement.

Washington is FILLED with career politicians who are only interested in getting rich and re-elected. I am not being scornful nor am I mocking people who are civic minded. It is just difficult to explain why anyone would spend $150 MILLION dollars on a campaign to get a job that pays $180,000 a year. What could cause such a reckless financial decision? Could it be the personal benefits: the kickbacks, salary for life, unbelievable insurance and the ability to vote for a raise for yourself?

Washington is damaged and only American voters can change it. We have to put a stop to this madness that works against us. The only people who seem to benefit from the Washington political system are the corrupt Washington fat cats. We need term limits: two 2 year terms. Politicians should campaign the way they intend to govern and govern like they campaigned. Politicians should go to Washington, focus on what they campaigned to do to benefit their community and then leave D.C. when they’ve done their job. We need to stop politicians’ ‘special benefits’. Politicians should receive Social Security and Medicare just like everyone else. There should be a five dollar limit on campaign contributions and only from individual American citizens. We need our elected officials to be civic minded public servants instead of special interest directed career politicians.

We also need to be independent thinkers. That’s the only way Americans are going to benefit from our political system. Do not let either political party control your mind. Do not hate a candidate only because he is a Democrat. Do not hate a candidate only because she is a Republican. Do not trust a candidate just because she is a Democrat. Do not trust a candidate just because he is a Republican. If you do, you will forever be their puppet without benefits.

Yesterday Senate Minority Leader Mitch McConnell (R-KY) said that he will not work with President Obama on Programs that will benefit Democrats and Republicans alike. He said that his goal is to get a Republican in as President in 2012. Excuse me, but how does this help Americans get jobs, and loans, and homes and cars? He doesn’t care about how his decision will create consequences for you and me. Plotting the next election only benefits his personal agenda. McConnell is the Senate minority leader with an obligation to govern for Americans in a manner that transcends his own partisan goals.

It seems that given the choice of supporting something that was good for the country, but would also benefit Barack Obama politically, McConnell would screw over Americans. He is willing to do what’s beneficial for his personal political agenda; and not necessarily good for us Americans.

Our Teapublicrats MUST work together in the next two years so that America can get out of the ditch she’s in. If these politicians do not work together we will all suffer tremendously.

If the economy does not improve soon, more businesses will lay off more employees. Those of us with jobs could lose our jobs. If we lose our jobs we can’t buy anything or support our local businesses. If we don’t support our local businesses they will go out of business. If they go out of business there will be less taxes coming into our communities. If there are less taxes flowing into our community our Mayors will have to cut services in our communities and the downward spiral will continue until we are ALL affected. This can turn into a living nightmare for all of us. We have to work together as Americans and make it clear to individual politicians we elected that they must work for us, that getting America back on its financial feet is goal number one.

Our politicians are living THEIR American dream. We have to convince them to work for us: for you and me so that we can live our American dream.

We have to let them know that we will not tolerate 2 years of dysfunction that leads to more suffering for us while they sit on their behinds and get paid. We have to remind them that we the voters have the power to stop their dreams. We have to demand that they work together to create jobs and do what’s best for ALL of us.

Empower yourself. Force politicians to do the work you sent them to do in Washington. Contact your elected officials: tweet, email, call or write your Senator, U.S. Representative, Governor and Legislators and insist that they work together and do what’s right for America.

Contact your elected officials: http://www.usa.gov/Contact/Elected.shtml

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December 16, 2009

Health Care Reform: Even Without The Public Option It’s BETTER Than What We Have Now!!!

With all the Health Care Reform brouhaha about losing the public option (which I want 100 %!) it may seem that we Democrats are losing the Health Care Reform battle – that’s not true.  Don’t believe the hype.

No,  we are not getting everything we want (neither is anyone else) but the chances of us getting everything we wanted with hundreds of law makers voting in Congress and needing 60 votes in the Senate was never realistic…it wasn’t going to happen; not ever.  There are too many politicians with specific political interests and geographical interests to make any one group or region completely happy.

But let us not forget the prize — Health Care Reform.  Let us re-focus. I know we’re in the middle of Hanukkah and Christmas is next week but we must get this done.

Even without the public option an additional 33 million Americans will receive health care benefits – we want that.  Even without the public option all insurance companies will legally have to cover you and me and our families and friends and neighbors regardless of pre-existing conditions – we want that.  We have NEVER had that in American health care before.  That is major!!! That is worth it to me. Plus there are other benefits even without the public option.

Don’t forget that when Health Care Reform is passed it WILL be tweaked in the upcoming months and even years to come so that things that seem to be lost now can be added later

The important thing is to PASS HEALTH CARE REFORM NOW so that we have a foundation to build on; we can always make the bill better later.  If we don’t pass Health Care Reform now the precedence will be set that says we really don’t care about Health Care Reform and we will probably never see health care pass in the next 30 years — we can’t wait 30 more years!!!  Remember that this fight has been going on for over 60 years!!!  This is the closest we have ever been so let’s get this done in 2009.

Please contact your elected officials and tell them to PASS AMERICA’S HEALTH CARE REFORM BILL BEFORE CHRISTMAS!!!

You’ll find links to e-mail, tweet, postal addresses, and phone numbers for key elected officials from our President to State Legislators at http://www.usa.gov/Contact/Elected.shtml.  All you have to do is enter your zip code and your elected officials’ information will pop up.

Keep your eyes on the prize.  Call your elected officials today!!!

Happy Holidays!

December 3, 2009

Economy: Why NOW May Be A Good Time To Refinance A Mortgage

Why Now May Be a Good Time to Consider Refinancing a Mortgage

By JENNIFER SARANOW SCHULTZ

 

With mortgage rates hitting record lows, it may be time to think about refinancing.

The rate on a 30-year fixed mortgage with no points hit 5.01 this week, slightly up from 5 percent last week but down from 5.97 percent this time last year, and the 15-year fixed mortgage rate hit 4.46 percent, compared with 4.47 percent last week, according to the latest data released Wednesday from Bankrate.com. These rates are at, or close to, the lowest levels since the company’s tracking began in 1985.

At the same time, the Mortgage Bankers Association said interest rates on the 30-year fixed-rate mortgages it tracks fell for a sixth straight week, remaining below the 5 percent level, “widely viewed as a psychological tipping point” according to this article.

The record lows are thanks to a combination of the Federal Reserve showing no inclination to raise short-term interest rates and investors and foreign central banks maintaining a healthy appetite for debt issued or guaranteed by the United States government, said Greg McBride, Bankrate.com’s senior financial analyst. And they come as many homeowners are finding themselves owing more than their house is worth and are having trouble making mortgage payments.

There is also a limited-time government program that helps people to refinance if they are slightly underwater. The “Home Affordable Refinance Program” is not as widely discussed as the related loan modification program. And it has been criticized by some housing experts for helping financial players profit. Still, it aims to help homeowners who have a mortgage balance equal to or greater than the value of their home refinance and obtain more affordable monthly mortgage payments.

The program is available until June of next year to homeowners who meet certain qualifications, including having loans owned or guaranteed by Fannie Mae or Freddie Mac and having a first mortgage that does not exceed 125 percent of the current market value of the home. (See if you qualify and find out how to apply if you do here).

With the risk that rates may not stay this low for long and that the government program will end, “there is a window of opportunity” for refinancing that will not be available for long, Mr. McBride said. He recommended that those who think they may not qualify for the program to double check what their home is worth to confirm this. Then, even if you don’t ultimately qualify, he suggested considering trying to refinance anyway if you are paying a higher rate on a fixed-rate mortgage or have an adjustable-rate mortgage.

“Today’s record low mortgage rates represent an opportunity for homeowners to refinance at lower fixed rates or to trade out of an adjustable rate mortgage before an inevitable increase in rates and lock in permanent payment affordability,” he said.

Are you considering refinancing in this environment? Why or why not? If so, what kinds of problems and hurdles, if any, have you run into trying to refinance? (Find more information about mortgages here and more information about loan modifications here).

Original link: http://bucks.blogs.nytimes.com/2009/12/02/why-now-may-be-a-good-time-to-consider-refinancing-a-mortgage/

November 18, 2009

Health Care Reform: Don’t Be Distracted By The Abortion Talk

Six in ten Americans favor a ban on the use of federal funds for abortion. Fine.  But let’s not let that stop us from passing Health Care Reform. The abortion issue and Health Care Reform are two completely different issues.  Don’t be distracted.  Don’t lose your focus.

I personally don’t believe in abortions but I believe in a woman’s right to chose.  I am not God and will therefore not judge someone else’s circumstances.  I do not believe that “the public at large” or our law makers should create legislation that would prevent many women from getting their health insurance plan to cover the cost of an abortion, even if no federal funds are involved. That’s just too black and white — what about women who are in a medical crisis?

These same people who are screaming that government is too big are the same people who want to micro-manage other people’s reproductive organs and choices.  Hypocrites!!!

Most Americans like most of the current House bill.  They like the parts that add new regulations to the health insurance industry that will stop them from discriminating against pre-existing conditions and provide more coverage for people who can’t afford health care.  Americans also like the language in the bill that requires companies to provide health insurance to their workers. But most of us are not so sure about the language that requires people to get health insurance on their own if they don’t get it through another source.  We agree with and understand the philosophy behind it, but it’s worrisome.

Folks, let us work this out.  Let us create a bill that benefits the majority of Americans.  Let us pass Health Care Reform.  Send a letter via US mail or send an email or call your elected officials and tell them what you don’t like about the existing bill and what you do like and support. Your voice matters.

Participate in the process.  Let your voice be heard. Tell our law makers to make the current House bill even better but please continue to support Health Care Reform.

Contact your elected officials — everyone from our President, Vice President, Senators, US Representatives, Governors and State legislators — by going to http://www.usa.gov/Contact/Elected.shtml

November 4, 2009

I’ve Got The Seasonal Flu…Yeah?!

Cough and Sneeze

It started way early this year. Walking around coughing. Runny nose. Deep congestion. Unsettled stomach.  Waking up at 3am and not being able to fall back asleep.  Despite the make-up I was wearing, I looked sick but I didn’t have a severe fever.  Yes I had muscle aches and chills and went from hot to cold in a nanosecond and a temperature higher than 98.6 but I didn’t have a severe fever.

I live in Florida so usually the flu doesn’t hit us until February – not this year; the flu came early.

Everyone who looked at me, and saw me blowing my nose, or coughing, probably thought I had the swine flu. I stopped at a local pharmacy and bought cough drops, aspirin and two different types of flu and cold medicine, as well as a large carton of orange juice. As the cashier saw me approaching, her eyes got big. She began to hesitate — as if she didn’t want me to approach her register. I could tell she thought I had the swine flu.

I tried to comfort her — telling her it was simply a pre-emptive strike. I said I was fine, but simply had a sore throat. I said I wanted to start drinking orange juice early just to play it safe. I doubt she fell for anything I said.

It seems like the different viruses, colds and other bad bug strains out there may be packing a little bit more punch this year. Most folks who get sick now automatically assume they’ve got the swine flu. I did, and it was kind of scary. I even went to the ATM machine and took out money — fearing I could end up in the hospital in a matter of hours.  Don’t ask the logic behind that thinking.

Since we don’t usually see a full blown outbreak of the seasonal flu in Florida until February health officials believe most of the influenza activity we are seeing right now is H1N1, and not the seasonal flu. So we could be looking at a double dose of flu activity this year. Swine flu now and seasonal flu later this winter. Hopefully that won’t be the case, but things are certainly off to a bad start.

It’s starting to look like we are in for a long and rough flu season. I’ve got my hand sanitizer ready. I’m sick now and I have no desire to get sick again.

The 2009 virus circulating the world isn’t strictly swine flu; rather, it’s a mix of swine, avian and human influenza that has never been seen before in humans. In the upcoming months, we’ll be dealt the double whammy of seasonal flu season and a potential second wave of swine flu.

Some people already have enough trouble determining if they have a cold or the flu; the symptoms are similar, although the flu’s symptoms are a bit more intense. But it may be especially difficult to know if you have swine flu or seasonal flu, since the symptoms are extremely similar. Symptoms include fever, cough, sore throat, stuffy or runny nose, body aches, headache, chills and fatigue. Swine flu patients also report diarrhea and vomiting, not usually present in seasonal flu.

A laboratory test is the only way to confirm a case of swine flu, but few tests have been done as most swine flu cases thus far look like a bout with seasonal flu. Many people recover without needing any medication or hospitalization, and some might not even know they’re ill. The mild nature of swine flu has led some to question why there needs to be any worry, as deaths have been far less than those attributable to seasonal flu.

However, because the current H1N1 influenza is completely new and no one has immunity, public health officials warn that swine flu could eventually cause more complications than seasonal flu does. Not only will there be more complications, they’ll likely be more serious. So far, doctors have reported that swine flu is more likely to result in viral pneumonia, as opposed to bacterial pneumonia often seen in seasonal flu cases; the bacterial version is much easier to treat than the viral kind.

Even if you don’t know if you have swine flu or seasonal flu, head to the doctor if you start to experience symptoms that aren’t part of a typical flu experience; these may be the warning signs of serious swine flu complications. That means everyone needs to remain vigilant about their health in the coming months.

Because swine flu and seasonal flu are transmitted in the same way, everyone should be on watch when it comes to prevention. Cover your mouth with your elbow when you cough or sneeze, wash your hands often, stop touching other people’s stuff in the office, don’t touch that door handle, stop talking in other people’s face and stay home when you’re sick. Whether you have seasonal or swine flu, you’ll be doing everyone around you a favor.

I’m GLAD that I don’t have the ‘swine’ — just a bad case of the good old seasonal flu which takes about five to ten days to shake — according to the doctor.

November 1, 2009

VOTE!!! IMPORTANT Elections on Tuesday, November 3rd, 2009

Do you have an election in your community this week?  If you do, go out and VOTE and take a friend with you.

Folks, there are elections all across the country on Tuesday, November 3 and THEY MATTER. 

We’ll see important elections for Governor in New Jersey and Virginia and important Mayoral elections in Atlanta, Houston, New York and other cities and we should be focused on them.  Plus races for City Council, State Legislature and other positions are also up for grabs.  These elections might not receive as much publicity and hype and may not seem to be as ‘sexy’ as the Presidential elections but they are more important in many ways.

These elections will affect our daily lives: The raising of fees, property taxes, making our schools more effective, fighting disparities in our criminal justice system are all determined by the City Council, Commissioner’s Court, Sherriff’s office and by local and state judges yet we ignore these elections.  We should gladly spend time in lines to make sure our votes are counted in our local elections.

Even though President Obama is the leader of our country and the leader of the Democratic Party, once he authorizes monies to go to our communities our local elected officials are the ones who decide HOW to spend the monies. 

Our President is VERY important but our local elected officials are the people who allocate these funds in a meaningful way or waste it to serve their own personal agendas.

In order for President Obama’s policies to be effective, we need local politicians in office who have a similar vision.

Know which local politician(s) in your community will do the most for you and your family.  Share this information with your neighbors and friends and please make sure everyone in your household go out and vote and make sure each person takes a friend with them to the polls.

Keep your eyes on the prize — vote on Tuesday!!!

October 29, 2009

President Obama Honors Fallen American War Heroes At Dover

President Obama Downed Soldiers 10 29 09

As he weighs whether or not to send more troops into the Afghan war zone, late last night President Barack Obama made a solemn trip to Dover Air Force Base to honor some of our fallen soldiers by being there personally to greet the 18 flag-draped caskets of young American soldiers killed in action this week.

When he arrived in Dover, Delaware our President travelled directly to a base chapel where he met privately with families of the fallen Americans. Former President George W. Bush visited the families of hundreds of fallen soldiers but did not attend any military funerals or go to Dover to receive the coffins.

The Dover base is about 100 miles from the White House and is the entry point for service personnel killed overseas.

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