News World Report

Leaders on both sides of the political aisle are expressing rage at a Republican fund-raising letter that is turning into more of a Republican census scam. The letter has been sent out, asking for money now for the party as well as personal political opinions. While the Republican census scam this year isn’t new, it could be violating a brand-new law that went into effect on April 7.

Republican census form aims to deceive

The latest Republican census form is dated April 12. Phrases like “OFFICIAL DOCUMENT, DO NOT DESTROY” make the Republican census form look very closely similar to the official U.S. census form. Politicians and voters are saying this form is tantamount to a Republican census scam. Think Progress.org posted the Georgia copy of the Republican census form, and Political quotes “a Republican operative familiar with the program” as saying:

“Of course, duping people is the point. … That’s one of the reasons why it works so well. …They will likely mail millions this year (with) incredible targeting.”

Is the Republican census a scam

The Republican census letters have been sent out for decades. Senators requested that the Postmaster General investigate these Republican census letters ten years ago. The investigation found that because these Republican census letters did not have an official seal or print “U.S. Census Bureau” anywhere, they were not technically illegal. However, the House passed a law that President Obama signed on April 7 that specifically banned mailers that were “designed to confuse recipients”. Many senators have asked John Potter, the Postmaster General, to investigate the mailers.

Is the law violated with the Republican census letter?

There are many criteria that the Republican census letters must meet to be legal under the April 7 law. Any envelope that has the word “census” must clearly indicate both the sender and the return address. The law also requires that a disclaimer is made obvious – that the letter is not affiliated with the federal government. The official Republican census letters that are dated April 12 do not appear to include these elements in the request for money loans.

So what do you think? Are these letters a Republican census scam or are they legitimate fund-raising letters?

Article Sources

TPM

The Plum Line

Politico

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If buying the ink cartridge from a retailer, you have to take notice of the brand and kind of your copier initially.
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Trabajo Politicians realize that the population is dummying down, and they often realize that the lowest common denominator is the “mean average intelligence level” of their voters. Therefore, when a political issue comes up they turn on the political rhetoric and they try to simplify the situation into one sentence, which they can use as their mantra for their stump speeches as they go around and try to get votes.

Juegos Unfortunately, if we over simplify such complex situations we are doing a disservice to the reality at hand. During the last presidential election, we noted that one of the candidates told the voters in Ohio that he was against NAFTA, because he said it hurts jobs in America.

Trabajar So, I just expect it because it’s not going to change. People all over the world come to this country every year to escape these same dictators who dislike the United States.

Some countries build fences to keep people from leaving… we cannot handle the influx of those trying to get in. You figure it out.

One thing we have to be very careful with is the Old Christian adage; “you shouldn’t give a man a fish, you should teach them to fish.” Apparently, the Senators are more interested in getting re-elected in 2010 than they are about doing what is most prudent for our nation’s treasury, our state government budgets, and keeping our workforce healthy, and desirable about getting back to work.

After all, why would anyone go get a job if they can get 20 more weeks of unemployment benefits without doing a thing?

So, we must be very careful with the political rhetoric we are willing to listen to and understand that any theory or phenomena can be oversimplified to the Absurd. And when it is we need to recognize it and toss it out with the leftover chicken bones. Please consider all this you can be published without charge. You can to republish this article in your website or blog. Please provide links Active.

Finally – the U.S. Senate is scheduled to debate a Financial Reform Bill sometime during the upcoming two weeks. In December, the House of Representatives passed HR 4173 and now Senate will be taking up the matter soon (see the full Financial Reform Bill Summary in Part 1 of this series).

The Senate Financial Reform Bill Summary is different than the House bill in major ways, and before any of the Financial Reform Bill summaries is made a law, it will need to be reconciled, approved again, and signed by the President. So how does the Financial Reform Bill Summary in the Senate differ in giving same day cash loans to financial companies from the House bill, and what will likely be included in the final Financial Reform Bill?

S 3271 Financial Reform Bill Summary

S 3271, better known as the Restoring American Financial Stability Act of 2010, is currently in committee debate. The bill is being debated right now by both the Senate Banking Committee and Senate Agriculture Committee, and when those bills emerge they must be bonded. A compromise of some kind from Harry Reid is expected to be placed on the table soon, a compromise that should meld the two committee bills. If the Senate approves the amended version of 3271, the bill will need to be reconciled with HR 4173 before it becomes law.

S 3271 Financial Reform Bill Summary | Similarities to HR 4173

Although the House and Senate Financial Reform Bill are widely different, there are some similarities. By both financial reform bills, Hedge funds and Private equity firms are also asked to register with the government and submit to oversight. Both bills give the Securities and Exchange Commission new authority, including regulatory powers. Shareholders are also given a non-binding advisory vote on executive compensation in both bills. The two financial reform bills also construct a council to monitor financial risk in the economy. The government can seize and take apart large failing companies, though the specific details on how are different.

S 3271 Summary covers Financial Reform Bill Consumer Protections

The consumer protections underlined in S 3271 would mostly be built into the Federal Reserve. A division within the Federal Reserve would be charged with writing and enforcing new rules about financial products like payday loans no fax, mortgages, and credit cards.

Financial Reform Bill Summary | Bank regulation

In addition to being held responsible for consumer protection, the Federal Reserve would also oversee any bank that has more than $ 50 billion in assets; this includes “non-bank lenders” – like mortgage companies. Federal Reserve regulators would be given the ability to force a bank to either reduce or stop risky financial transactions.

Financial Reform Bill S 3271 Summary touches on Too Big To Fail companies

Both the House and Senate bills have a provision that allows the government to break up failing financial companies, but only the Senate bill includes a funding provision. Large financial companies would be required to pay monies into a $ 50 billion FDIC-like fund that should finance the dissolution of failing firms.

S 3271 Financial Reform Bill underlines Derivative Regulation

The Senate bill aims to regulate derivative products, which is much like the House bill. Under intense debate right now is how exactly derivatives will be subjected to oversight and with last-minute political maneuvering, the original writing of the bill will most likely be changed.

Restoring American Financial Stability Act of 2010 – this is a summary of the Senate bill 3271. If and when this bill passes the Senate, it will then need to be reconciled with HR 4173, Wall Street Reform and Consumer Protection Act. In the end, the Financial Reform Bill Summary will most likely include the major provisions of both of these bills, though the details of regulation and financial reform could differ greatly.

Sources:

Reuters

Daily Finance

OpenCongress.org

Wall St Journal

Arizona Governor Jan Brewer has signed the Arizona immigration bill, Arizona Senate Bill 1070, making it the new Arizona immigration law. Including the President of the United States, many people are hotly contesting the new law. Many say the new law mandate racial profiling be entrusted by police and fosters legally sanctioned racism. The governor was also called upon by government officials of Mexico to not sign the bill, as they believe it is discriminatory. This is not the first time that immigration legislature has taken on a single ethnic group, but Arizona, compared to many other states, puts more quick cash into immigration law enforcement.

Gov. Jan Brewer signs Arizona immigration law

SB 1070 was signed into law by Arizona Governor Jan Brewer, which has made the controversial immigration bill into Arizona immigration law. Several Latino members of Congress where part of the many Critics of Arizona Senate Bill 1070, including officials of the Catholic Church, the American Civil Liberties Union, as well as the President of the United States. With Brewer signing into law perhaps one of the toughest immigration bills in living memory, however, possibly any cash advance used in the campaign to get it barred has been in vain. She defended the bill, from the New York Times, as a “tool to solve a crisis we did not create and the federal government has refused to fix.”

The immigration bill – what exactly does it do?

Features of the bill are covered in a CNN post. Among them are that it requires any and all immigrants in the state of Arizona to carry their identification papers on them at all times. It will also give greater leeway for law enforcement officials. Arizona police officers will be required to ask for identification and alien documentation on anyone suspected of being an illegal immigrant. There will also be greater sanctions in place for those who hire or knowingly transport illegal immigrants.

Not the first and not the last

Harsh immigrations bills have gone through in the past. Arizona experiences more illegal immigration than many others. (Granted, Arizona used to be Mexican territory and Native American territory before that.) Arizona Governor Jan Brewer strongly believes she has done the right thing for her state, but according to critics, the bill seems to give far more leeway than what is justifiable and could open the door to tyranny if used improperly. The effect of the new Arizona immigration law remains to be seen, and there could very much be a constitutional or jurisdictional challenge to face.

A Financial Reform Bill summary is due to be debated in the Senate in just a few days. For a clearer view of the Financial Reform Bill summary that will control everything from a payday lender to the largest banks, a financial reform bill summary of both HR 4173, which are the House bill that was passed last December and S 3271, will be debated this week. Note that this Financial Reform Bill summary can change at any time during reconciliation, though the broad strokes will most likely remain the same. This article covers HR 4173, the House Bill.

To get the complete Financial Reform summary of the Senate bill, see Part 2.

The Financial Reform Bill Summary on HR 4173

The House of Representative Financial Reform Bill is HR 4173. This financial reform bill came from the House Financial Services Committee and is normally referred to as the Wall Street Reform and Consumer Protection Act. Available in PDF form is a full text of HR 4173, which can be found on the U.S. House of Representatives website.

Financial Reform Bill HR 4173 summary | Consumer Protections

On opening, a Consumer Financial Protection Agency is positioned to be a separate Federal agency focused mainly on decoding, ensuring, and regulating the safety of U.S. financial product consumers. Part of the day-to-day functionality of the Consumer Financial Protection Agency may include working for consumer education about personal loan companies, creating disclosure standards, and examining the elements of new financial products.

Anti-predatory lending laws and mortgage reform would also be included. A standard that borrowers must be able to repay the loans they are sold would be instituted. Credit rating agencies would be addressed and given reasonable liability for their ratings.

Stability and Investing covered in HR 4173 Financial Reform Bill summary

The Financial Stability Council, as an “inter agency council,” would be responsible for identifying what financial firms are especially risky. Also be given stronger investor-protection powers are the Securities and Exchange Commission.

Financial Reform Bill HR 4173 Summary | Too Big To Fail

Firms that are considered “Too Big To Fail” would no longer be given taxpayer dollars to keep running. Instead, a system for dismantling financial businesses would be created by the Financial Reform Bill if or when they start to fail. Basically, there will be no more bailouts for big companies.

Investors Say on Pay covered in Summary of HR 4173

A “say on pay” of the executives of a company would be given to shareholders of a company through HR 4173. Even though the vote would only be advisory, regulators also have the capability of banning “inappropriate or imprudently risky” pay packages. In essence, no more executives will be paid millions for running their companies into pitfalls.

HR 4173 Summary covering derivatives

For the very first time, the “derivatives” market would be regulated. A product developed from another product is a financial derivative. One example of a financial derivative is the “mortgage-backed securities,” a financial product derived from residential mortgages. Any “derivative” product with “substantial risk” would be monitored.

Financial reform bill summary | Private Pools Investing Money

Businesses, like Hedge funds and private equity firms, who are in the business of investing with private money are not currently regulated. The Financial Stability Council, under HR 4173, would examine any risk from a “private pool of capital,” a group of people that pool their money to invest it.

Financial reform bill HR 4173 covers Office of Insurance

At last, the Financial Reform Bill HR 4173 would form a fused insurance regulatory agency. Instead of having to deal with multiple stings of rules and regulations, insurance companies would be regulated, monitored and reported by only one Office of Insurance.

This is a summary of HR 4173, the Financial Reform Bill that passed the House of Representative.

Sources:

Reuters

Daily Finance

OpenCongress.org

Wall St Journal

Don’t you truly hate it once a health care disaster befalls you at a terrible moment? High-priced health visits, along with prescribed prescription drugs, are not easily dealt with, especially while you are completely penniless once the calamity hits. Nevertheless express gratitude for prescriptions help services – don’t you know that they can improve your life in such challenging period?

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Low-income earners do not need to generally experience the cost of not having an adequate amount of money to shell out for health expenses or prescription drugs. If there are non-profit companies who are eager to supply prescription medicine help plans, why not take hold of the break and look after your happiness without too much problems?

As the financial reform bill is starting to make its way through Congress, President Obama went to Cooper Union College to speak, and the Obama Wall Street speech was full of requests for cooperation and change. He advocated instituting the Volcker Rule and Wall Street to cast off the insular attitude it has towards the rest of the economy. Millions have run to money lenders or to the unemployment line because of Wall Street’s mismanagement.

Reform called for by Obama Wall Street address

The Obama Wall Street address at Cooper Union College was attended by many Wall Street luminaries, and a full transcript is available from Reuters . He asked for common sense reform and for lobbyists to knock it off. Wall Street was raked over the coals. He mentioned the need for greater protections against too big to fail banks, consumer protection, and transparency as well as control for shareholders.

The Volcker Rule?

The financial reform bill features the Volcker Rule. Named for former Federal Reserve Chairman Paul Volcker, the Volcker Rule is a proposed rule that would prohibit banks from certain kinds of trades or investments that aren’t on behalf of their customers, or from other kinds of risky trades. Critics allege the regulations would inhibit industry, but Obama countered that “unless your business model depends on bilking people there is little to fear from these rules.” (As reported in USA Today ).

Defending and decrying bailouts

Included in the Obama Wall Street speech was a defense and denunciation of the bailouts. Doing nothing, the President maintained, would have been worse. He stressed that “the American people should never have been put in that position in the first place.” The idea that any further bailouts to Wall Street would be ok was flatly denied. The President doesn’t want Wall Street to get another cash advance from the taxpayers.

Financial Reform bill passes the House

The financial reform bill, the features of which were part of the Obama Wall Street speech, has passed the House of Representatives, and a Senate bill is due out soon. Some Wall Street impresarios and Republicans have opposed it, and many believe it won’t deliver the necessary reforms.

Article Sources

Reuters

http://www.reuters.com/article/idUSN2224964320100422

USA Today

http://content.usatoday.com/communities/theoval/post/2010/04/obama-to-wall-street-work-with-me/1

Picking a new Supreme Court Justice isn’t easy for any President, and an Obama Supreme Court pick replacing John Paul Stevens will be difficult. John Paul Stevens is considered a liberal justice, and the President has already begun discussions with the Senate over a replacement. Some think Congressional Republicans will put paycheck loans and a lot of elbow grease into opposing a perceived liberal justice from taking the bench.

Obama Supreme Court pick and the litmus test

Ever since Roe v. Wade, the litmus test of the stance of a potential Supreme Court judge has been abortion. They usually dance around it. The President has made it clear he doesn’t care about that litmus test. From the Huffington Post, Obama has made it clear that a judge concerned with individual rights, including those of women, are what was his idea. That could be taken to mean that he desires to pick a justice who will uphold Roe v. Wade without explicitly saying so, or not. Several litmus tests There are numerous litmus tests for public officials, and Supreme Court Justices are subjected to several litmus tests. One is asking them how they feel or would decide regarding abortion, or Roe v. Wade. Additional buzzwords like “judicial activism,” “interpretation” and “legislating from the bench” feature in Supreme Court nomination hearings. The answers given don’t indicate at all how a judge will decide on cases. Chief Justice Burger often decided in the opposite direction it was believed he would. Many interested parties wanted him to overturn Warren Court decisions, which he didn’t.

Replacing John Paul Stevens no easy task

John Paul Stevens is the fourth longest serving Supreme Court justice. At 90 years of age, he is the last member of the Burger Court, having joined in 1975. Debt consolidation be quicker than confirmation hearings, so it isn’t known if an Obama Supreme Court pick will be on the bench in time for the docket in the fall.

Article Resources

Huffington Post http://www.huffingtonpost.com/2010/04/21/obama-no-litmus-test-on-s_n_546139.html

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