HOW TO BLOCK JUNK MAIL CREDIT CARD OFFERS

Seal of the United States Federal Trade Commis...

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Most people are aware of the Do Not Call Registry whereby you can block telemarketers and others from making unsolicited phone calls to your home.  When they wrote this law, Congress saw fit to exempt themselves and their campaign fund raising operations from the law.  As outrageous as that may be, it is not the subject of this article.  To stop the telephone calls go to www.DoNotCall.gov/register/reg.aspx .

It is a lesser known fact that there is a “do not send” registry whereby you can block some of the junk mail from being sent to your address.  The Fair Credit Reporting Act (FCRA) limits the conditions under which consumer reports can be used to make prescreened offers.  You can “OPT OUT” of receiving solicitations from credit card and insurance companies where these conditions are not met.  Solicitors who have used consumer reporting services to determine your creditworthiness, will be precluded from sending offers to you in the mail.  Only certain financial junk mail can be stopped, but any reduction of this stuff is worth the time it takes to make a phone call.

To opt out call 1-888-567-8688 (1-888-5-OPTOUT).  You will be given the choice of opting out permanently or just for 5 years.  Why anyone would choose to allow unwanted solicitations to resume after 5 years is one of those mysteries that come with government programs.  You will be asked to provide your name, address, social security number and date of birth.  You can also opt out online at www.optoutprescreen.com .  

We have all been advised to use caution before providing our social security number to anyone.  This link will take you to the Federal Trade Commission website to confirm the legitimacy of the Opt Out program

It would be natural to assume this is part of the Obama administration’s new consumer protection legislation because some of its provisions and revisions are only now coming into effect.  However, FCRA was signed into law by President Clinton in 1996.

RAMBLINGS ON LAWYERS AND POLITICIANS

Two lawyers walk into a courtroom with their respective clients. The case is a bitterly contested civil lawsuit. The argument in court is vicious. It turns personal when the two advocates lambaste each others positions before the judge. Animosity runs high.

The trial ends. The verdict is rendered. A few days later the attorneys join each other for lunch. The atmosphere is friendly. Here they are friends. In the courtroom each played a role, each fulfilling his duty to his client. In the restaurant they are brothers in a profession.

There is an aspect of gamesmanship in the legal process that attorneys understand but their respective clients do not. And so it is in politics. Bush (the senior) and Clinton (the one named Bill) were fierce opponents in the court of politics and before the jury of voters. With the campaigns over and the terms in office concluded, they are but brothers in a profession.

Democracy is the courtroom. The press is the medium. We are the jury. Each side comes before us to plead their case. It can be vicious at times. But the players keep a healthy bit of detachment unseen by the public. For sanity’s sake, we all need to do the same, (once in a while).

Warning! Strong language.

THE DEBT AND DESTINY OF THE UNITED STATES

Why the Debt Ceiling Fight Is So Fierce

Really now, how serious is this national debt problem?.  Figures fly at us like a fleet of locusts.  The onslaught of numbers comes from all directions, talk radio, think tanks, politicians and from agencies of the government itself.  The size alone makes it impossible to relate.

We have been told how many freight cars it would take to hold a trillion one dollar bills and how many times a trillion dollars worth of sawbucks would go around the world laid end to end.  But that doesn’t tell us anything useful; it just shows the numbers are big.  We knew that.  Then we read about percentages of GDP.  What does that mean?  How can we relate?  How can we make sense of it?  We do it by relating expenses and debt to income, not to freight cars or GDP.  Our table relates the financial state of the nation to basic family finances.

The government numbers in the table are fixed.  Except for Unfunded Liabilities which is an estimate; the figures are reported facts.  The family side is a “what-if” table.  It answers the question — if a family had an income of 80,000 dollars with spending and debt in the same ratio to family income as the government ratios, where would the family be?

The answer is nearly unimaginable.  Such a family would have a half million dollars in outstanding debt, over 600,000 dollars in additional future commitments, no savings and still spending nearly 60% more than they earn.  Is it any wonder the rating agencies are prepping us for a downgrade?  Is it any wonder why there is a stalemate in Congress when some members, with the backing of the president, actually want to increase federal spending and debt while others insist on cutting both before it’s too late?

If your income is half the 80,000, cut the rest of the numbers on the family side in half.  If your income is double, double them.  If you have a blog please feel free to take the table and use it as you wish.  The more distribution it gets, the better.

Click the table to enlarge it.

A CALL TO OPEN GOVERNMENT

Jeff Sessions

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In this debt debate, do you really know who has offered what?  Did Obama agree on some things, and then raise the bar when they were accepted as some Republicans have said?  Or did he not?  Name three key points and the numbers involved on which the two sides disagree.  Okay, then name one, with the numbers, of course.

I have warned from the beginning that if we skirted legislative process in favor of closed-door White House meetings, we would find ourselves in the 11th hour with gimmick-filled legislation being rushed through to a panic-driven vote. … We should try the one thing that has been refused from the beginning: open hearings, regular order, and real legislative process.     Sen. Jeff Sessions (R AL).

But then, let’s follow the law–that is, the Congressional Budget Act, which the Democrats have wantonly ignored. Let’s have committee hearings and craft legislation in the light of day; let’s debate the resulting bills on the floors of the House and Senate; let’s propose and debate amendments; let’s allow the American people and third-party experts to see and to evaluate the tax and spending proposals that our representatives want to enact.  That’s the way the federal government is supposed to conduct its fiscal business.  Let’s get back to it.      John Hinderaker (Power Line blog)

Obfuscation is a tactic.  It hides the truth.  The majority of the public wants to see spending reduced.  The truth is Obama wants to see federal spending increased.  The truth hurts his cause.  But closed doors cannot block discernment.  The President is digging himself into a hole on this one.

BOEHNER REDUCES OBAMA TO ROLE OF UNNEEDED MIDDLEMAN

House leader Boehner apparently has found it impossible to deal with Obama because the President first agrees before he doesn’t. In a Saturday conference call the Speaker told colleagues he told the President,

“As I read the Constitution, the Congress writes the laws and you get to decide what you want to sign.”

Wow! Now we know why Obama was so angry in his Saturday night prime time address. Go, Boehner, Go! Hang tough. I didn’t know you had it in you.

As I see it, this has put the ball squarely in the Democrat’s court. The House passed the only debt limit bill ever presented in either chamber and passed it with an overwhelming majority vote. It is up to the Senate to agree to it as it stands or offer modifications that might be agree upon. Obama has been taken out of the loop.

If Boehner’s strategy works, the President’s only choice will be to sign the bill or veto it. Either way he loses. It’s a high risk strategy that could misfire if negotiations fail in the Senate. Voters in both parties are unhappy with their elected officials. All the Republicans need to get it through is a couple of Democrats with wobbly seats facing re-election. Harry Reid would be in no position to fail to bring it to a vote.

FAA SHUTDOWN — THE WAR OF OPINIONS

Congress Forces Partial Shutdown Of FAA, Leaves Thousands Without Pay

by Jennifer Bendery, Huffington Post

That is Ms. Bendery’s headline at the HuffPo. How would you read it?

Is it news? No, the FAA is not shut down either partially or fully and no one has been left without pay. Okay, let’s give a little poetic license and allow that Jennifer may have meant Congress May Force Shutdown…; then would it be news? No, it would be opinion.

Another journalist might say Harry Reid Forces Shutdown… or President Obama Forces Shutdown…, all equally plausible opinions. The Republican House won’t budge (yet), Harry Reid won’t allow the bill passed in the House to clear the Senate and Obama says he would veto it anyhow. So who would be the responsible party if some air traffic controllers were to become furloughed as a result of the impasse? It would be, and forever remain, a matter of opinion.

The parties in Washington are fighting a war over public opinion. In that sense, the Republicans are fighting on their opponent’s home turf. Democrat’s, good ones and bad, have always been the masters at appealing to fears and emotions. They are the wordmasters and words are what shape public opinion.

The Republicans are not the problem. The Republicans are the solution to the problem. (How did you like that one? I channeled Reagan for it.) Or as Walter Cronkite would never say, “It’s the Democrats, stupid!”

OBAMA’S DEBT SPEECH and THE POWER OF THE BULLY PULPIT

Only a President can demand and get an hour or so of prime time on television to tell his side of the story without rebuttal. Only this president picks reporters from a pre-pared list. Not one reporter asked a grilling question. Need I explain why?

This morning and ABC News reporter did an excellent job covering Obama’s speech. Her article was an accurate and objective account of what the President said. But the Presidents words were in Washington Speak; here are some translations.

Finally disclosing the details of the plan, the president said the White House offered more than $1 trillion in cuts to discretionary spending, $650 billion in cuts to  entitlement  redistribution programs and, in return,  asked Republicans for $1.2 trillion in additional  revenues  taxes by  eliminating loopholes  changing the tax code and  engaging in tax reforms  increasing taxes.

While the president admitted Democrats wanted  more revenue  higher taxes than they had initially  offered  wanted, he said that spending cuts were at least as significant as those put forward in the bipartisan proposals.

Students of Orwell’s “1984” and Random Thots “Propagandic” will instantly recognize that the word taxes has been thrown down the Memory Hole. People no longer pay taxes, the government earns revenue.

The president declared that Boehner walked away from the deal

Yes, that’s what the President said from his bully pulpit. Boehner said it was the President who walked out. But that didn’t get much coverage.

“If you don’t have revenues, the entire thing ends up being tilted on the backs of the poor [who pay no taxes] and middle-class families.  And the majority of Americans don’t agree on that approach,” he added.

Actually, it is the GOP position that is the most favored according to this Rasmussen poll of likely voters.

They are going to have to explain to me how it is that we are going to avoid default,” Obama said. “And they can come up with any plans  that they want  except for the ones they want and bring them up here and we will work on them.

 Of course Obama threw in a few lines about corporate jets, a threat to seniors Social Security, how the rich have more money than they need and all that usual stuff. With this show to watch, who needs Barnum & Bailey?

NORWAY CHILDREN’S CAMP DEATH TOLL NOW 94

Utoya is a tiny island only a few acres in size.  A man dressed in a police uniform and heavily armed boarded the boat taking some of the children out to the island. After they landed he asked them to assemble. When they did he pulled out his guns and began firing into the group.

UTOYA ISLAND

No one else on Utoya was armed so there was no way to stop his killing until a SWAT team was put together on the mainland and was able to reach the island. It was the worst man made disaster in Europe since the train bombing in Madrid. If anyone deserves the death penalty it is this man. But he won’t get it, not in Norway.

Now children’s camps everywhere are already planning how they must be armed. Can Armageddon be far behind? Or are we seeing a slow Armageddon, one step at a time?

UPDATE :
As of July 23rd, the official death  count is 85 on the island and 7 in Oslo. Both numbers are expected to rise.
There is a good article in the New York Times here.

IT IS TIME FOR AMERICAN INDUSTRY TO FIGHT BACK

Steve Wynn, developer, taken inside the Wynn R...

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Corporate enterprises are favorite whipping boys for the Left.  Look how the anointed one is leading the liberal crowd in the chant — corporate jets! — corporate jets!  big fat cats in corporate jets!  Can anyone tell me why corporate jets are bad for the country?  The stockholders pay for corporate jets; not taxpayers.  Taxpayers benefit from corporate jets.  How?  Millions, yes, millions, not thousands or tens of thousands, but millions of workers are employed fully or partially in the production, operation, servicing, design and component manufacturing of corporate jets.

Obama doesn’t use a corporate jet.  He uses Air Force One which is the size of two corporate jets.  And there’s a second plane just for his wife when she and the kids go somewhere on their own.  There are no stockholders to pay for the bill.  It’s the taxpayers who pay for Obama’s jets.  And that’s precisely as it should be.  There is no reason why the President of the United States should have to risk being groped every time he wants to take a trip.  And there is no justification for denying the same benefit to industry leaders in the private sector.  While there is no justification, there is a reason.  Demagoguery wins votes.  And if it’s not demagoguery, then why is the cry always corporate jets, never celebrity jets.

One of the most popular jets in corporate use today is the Gulfstream line.  The Gulfstream Company has manufacturing and refurbishing plants in Georgia, Indiana, Texas, Minnesota and Massachusetts, and that’s not the full list to be sure.  Gulfstream and Boeing are significant players in what’s left of hard goods manufacturing in this country yet the President is fighting both of them.  Why don’t corporate leaders speak out?

One business man has.  During his quarterly business conference call, Las Vegas magnate Steve Wynn, a Democrat, laid into Barack Obama for obstructing job recovery.  Here’s what he had to say on his quarterly business conference.

And I’m saying it bluntly, that this administration is the greatest wet blanket to business, and progress and job creation in my lifetime.  And I can prove it and I could spend the next 3 hours giving you examples of all of us in this market place that are frightened to death about all the new regulations, our healthcare costs escalate, regulations coming from left and right.  A President that seems, that keeps using that word redistribution.  Well, my customers and the companies that provide the vitality for the hospitality and restaurant industry, in the United States of America, they are frightened of this administration.  And it makes you slow down and not invest your money.

We need to hear from more business leaders like Wynn.  There is no question but that his sentiments are widely shared among business executives but far too many of these captains of industry are afraid to go on record with a public statement.  At one time, the major challenges in starting a new business or expanding an existing one were matters like finding capital, hiring the right employees and developing ways to deal successfully with the competition.  Now the primary challenge is the multitude of obstacles presented by a plethora of government commissions and regulatory agencies.  Crossing any one of them is at your peril.  One of the most skillful pilots ever, Bob Hoover, had his flying privileges taken a way by a bureaucrat to whom he denied a ride. 

Wynn, obviously frustrated in the extreme, later returned to his concern about the business policies of President Barack Obama and his administration.

The guy keeps making speeches about redistribution and maybe we ought to do something to businesses that don’t invest, their holding too much money.  We haven’t heard that kind of talk except from pure socialists.  Everybody’s afraid of the government and there’s no need soft peddling it, it’s the truth.  It is the truth.  And that’s true of Democratic businessman and Republican businessman, and I am a Democratic businessman and I support Harry Reid.

The Las Vegas entrepreneur’s support for Harry Reid is understandable.  Nevada is Reid’s state and Las Vegas is Reid’s city.  What happens in Vegas stays in Vegas… as long as Harry Reid wants it to.  Wynn’s companies owned five casino’s in the town at last count.  He wants them to stay in Vegas.  Nevertheless, we need more men like Wynn.  Where are they?

OBAMA PLEADS

President Obama appealed to Republicans to put partisanship aside and agree with him. The president spoke to reporters over a lunch of broccoli and peas, mostly peas. “It’s time for us all to come together and put aside the bickering over trillion dollar details.”  He said , ” If my administration is denied the right to add a few trillion to spending I will have no choice but to put a stop on Social Security checks and turn off the power to our veterans hospitals.”

Apparently unaware of the Ryan plan, Obama said “If someone has a better idea, I am willing to listen.”  He continued, “There was one Congressman, or maybe it was a woman, from one of the flyover states, I think it was Maine, who said he or she was ready to offer alternative ideas but not until I had come up with my own plan. I think this game of who goes first is the sort of childish behavior the American people are tired of seeing in Washington. It’s time for Congress people to stop playing party games and to sit down and eat their peas, so to speak.”

“Like I said, I am willing to come off the golf course anytime the other side is ready to sit down at the table.” The President was sincere. He spoke off the cuff, from the heart, not from a teleprompter.