Very well put. If not Obama, then McCain. I will never vote for Billary, never.

Thank you for the informed reply. I agree with you. I have found his motives so self serving as well. Of course he would jump in the race now.

I like your posts, but I gotta say something about the mortgage and credit card situation.

People were lied to about the terms of their mortgages. There’s a big difference between going into something with eyes wide open, and going into something and having the folks who should be helping you outright deceiving you.

Also, I remember when I was a student receiving those card offers. They didn’t disclose all the terms and fees of the card within the inserts. They promise people that you can receive some amount of credit…. but no one EVER receives it. Most people get the minimum and then can’t even use that because the fees eat up everything except for a small chunk of change.

Banks have gotten in trouble for mailing out their billing notices in such a way that it’s IMPOSSIBLE for someone to send in a check even that very day and have it reach the company on time. Try to pay by phone? you’re stuck with fees of up to $15 dollars to pay your own bill by phone. Why? GE got in trouble for issuing cards where people’s payments were being electronically held until the day after the billing cycle date.

There’s a lot more going down with the credit card situation than folks being irresponsible. If you’re being responsible, but you’re credit card company is sabotaging your efforts, where can you go?

These cards don’t help people get out of bad credit, they worsen people’s credit situation, and that’s why they must be stopped.

Also, with the way banks are buying out one another, it’s possible for a person to have their card change hands several times and for their rates to change accordingly. I own a card which has gone through 3 separate banks. My credit has improved. This card has worsened. As soon as it’s paid off, I’m canceling it.