DEMAND A CAP ON INTEREST RATES AT 10%

President Obama may have signed the New Credit Card "control" legislation, but it doesn't go far enough. I won't break all down on this Memorial Weekend. But while your elected officials are home for the Holidays. Send them a message to present another law to the Credit Card legislation that will cap Credit Card Interest Rates to 10%.

My other suggestion is USE CASH.DON'T USE ANY CREDIT CARDS, ESPECIALLY CAPITAL ONE.

Joe

Go Phillies!

ARE YOU SUFFERING FROM PSORIASIS? OR KNOW ANYONE WHO IS SUFFERING FROM PSORIASIS???

Read this article concerning RAPTIVA.

Raptiva Cause for Concern News
May 18, 2009. By Jane Mundy

Memphis, TN: Gloria was prescribed Raptiva for severe psoriasis and she says it worked "like a charm". She stayed on it for about 4 years, until she developed troubling side effects. Gloria has been a registered nurse for over 30 years—right away she thought these symptoms were associated with Raptiva.

Psoriasis She started having muscle aches and back pains and injections site pains. "Usually the injection burns but it should go away," says Gloria. "It was more than a tad uncomfortable—sometimes the burn stayed for days…

"Then I started having some neurological issues and I even had to use a walker for a while. I didn't know anything adverse about this drug until a few weeks ago. I received a call from a dermatologist telling me I should be taken off Raptiva; he went to a conference and they mentioned this severe neurological defect—a brain damage disease [progressive multifocal leukoencephalopathy (PML)]—associated with Raptiva, and once you get this you won’t go anywhere with it but down.

I got sick to my stomach, especially because I have been taking it for so long. When my doctor first told me, I was in shock, strictly because I am in the medical profession. What if my brain has some of this disease process going on and they aren't catching it? Then a few days later I got mad. I can’t be mad at my doctor because every drug has side effects and you never know when a side effect will crop up and grab you. I got angry at the drug company because they knew this was happening. I am a research person and if I take a medication, I need to know what it is going to do and if it has any adverse affects.

From what I have read and from what the pharmacist in my company told me, the drug company knew about this side effect from clinical trials overseas and those trials did not have good results. This made me really angry. Apparently the drug company knew of the negative trials but never imparted the information here in the US.

I researched this drug thoroughly when I was first prescribed it and there was nothing in the literature that jumped out at me and said 'Don't take this'.

I didn't know if the neurological problems I was having were due to Raptiva or not because nobody could give me a definitive answer to my question—where were these problems coming from? I have never had issues like this in all my life. I was even hospitalized for 5 days. I just came home this week but I am still having residual affects from the disease process that put me in the hospital. I had a severe rash, fatigue, joint and muscle pain—all the classic symptoms.

The doctors couldn't say that Raptiva was the direct cause, but they didn't rule it out either.

I've been off the drug for about 4 weeks, but it takes a long time to flush Raptiva from your body to feel any changes. Right now I feel tired; I am worried about any residual affect and I am scared to take anything else for psoriasis ( I have been through the whole gamut—creams and oils—but nothing works.) My doctor prescribed another injection medication and I was very leery of taking it--he understood that I was gun-shy about this stuff.

My life has been turned upside down because of this. I was able to take any medication before Raptiva and not worry about it but now I am skittish about anything, even my old medications. I am mainly concerned about which pharmaceutical company makes them—if it is made by the same company that makes Raptiva, I won't take it.

I'm also a very strong and analytical person but this has me acting like a 2-year-old, being scared of any medication. I want to be confident like I was before, and not sit here waiting for something bad to happen. And the amount of money I have spent – Rapitva doesn't come cheap—has me angry.

Even without a lawsuit, I would like the drug company to make available the research done in other countries so people can make an informed decision. And I don’t like being blindsided by this incident—it has affected my whole family. They are nervous; they have seen me sick and don't think it is right. I just hope my testimony can help others."


I am owner of a start-up company called : Frontier DermaSciences,LLC. www.psoriasiscare.biz or www.lumberkings.biz

My psoriasis started at the age of 27. I am now 51. In 2007 I embarked on a personal project to treat my psoriasis without nasty chemicals and steroid topical products. I felt embarrassed when I went to the beach, went out on a date and at times on job interviews, I could not hide my condition.
In 2006/07
I experimented for a few months and came upon five oils that I successfully blended together. I was taking a prescription drug called Soriatane, it stopped the progress of my psoriasis, but did not lessen the lesions on my body. I used a tanning salon foe a couple of months each year and it worked temporarily for a month or two before the psoriasis came back again.

I took my idea and my blended oils, set-up an experiment that would initially run for four months, using my blended oil, the tanning salon, and the Soriatane by increasing the dosage temporarily, and documenting the events daily. In this experiment I failed to take photographs of myself, because at the time I never considered taking my product/invention public until family and friends recommended I move forward with my invention.
After the first test results, my body was 75% clear and I stopped treating, except for applying my oil, everyday after an evening shower. It took 10-months for the psoriasis to return, but only 25% of the original lesions/plaques returned.

I started a second round of experiments in January of 2009, and on March 26th, completed the second round or phase. I am currently 99% clear. I haven't taken a Soriatane since March 26th. I only apply my oil after an evening shower.

I have no side effects, my skin is hydrated and smooth and my skin is free from psoriasis at this time. It will be a super summer on the beach again.

I have attempted to raise funding for my start-up via Angel Investors, it did not work. I plan to market my product directly and to the Dermatology community beginning June 1st. Many Dermatologist don't support the use of the Tanning Salon, I do, it worked for me. My major competitors as far as I am concerned are: Genentech, Amgen/Roche, Abbott Labs, J & J Centocor.

For those who suffer from psoriasis. Visit with an allergist, find out if you are allergic to foods, grass, pollen, etc, if so, begin treatment, it will reduce any itching you may have. Drink less sodas and more water, it doesn't have to be bottled, your faucet city water is good enough. Excercise daily that will reduce stress.

If you are interested I have a plan using my product to assist in your psoriasis skin condition. Contact me for the information and if you have a dermatologist send me his/her name so that I may forward my treatment data to them for evaluation.

I don't have a cure, My product doesn't contain any chemicals, and no heavy oils, my product is safe and is clear in how to use it. My product doesn't require Rocket Science, it's smart science and bio/eco friendly.

The Tanning salon is a safe place to treat, the treatment plan is designed for the whitest of skin pigmentation and you can start your treatment with or without the use of prescription Soriatane, and monitor your own progress, although working with your dermatologist is my recommendation.

You have a friend in me all those who suffer from Psoriasis.
Contact me at: frontier22@aol.com

TAKE A LOOK AT THIS SUPER T-SHIRT WEBSITE

http://www.tshirthell.com/store/clicks.php?partner=jotronics

Hello Everyone: Take a look at this website. www.tshirthell.com
Its off-beat, funny and for 18+ only. The quality of the goods" Outstanding!

I own a small business: www.lumberkings.biz
Part of my business is Custom Apparel, so I appreciate great product when I view it.

For anyone who is interested. You can advertise on my blog for $1.00 a day or $365.00 for a year. Economy is tough for my small business. We need to help one-another.

For those of you who follow me currently you can purchase:
500+ t-shirts white with one color printing, 100% cotton t's Small to XL for $3.00 each, plus shipping. Includes Custom 11" x 11" LOGO DESIGN ON T-SHIRT.
contact me and we can discuss your marketing needs: frontier22@aol.com

We can do custom embroidered Golf Shirts too starting at $15.00 each no minimum order required on embroidered product or check our T-shirt POLO for $10.00 each (White POLO) or a color T-shirt POLO for $13.00 each sizes to XL.

IS THE SENATE GOING TO BE "PRO-CONSUMER?????"

COPIED FROM CNN (DOW JONES)
Will the Senate become "Pro Consumer" Do they have the Balls to CAP interest rates to 10%? I doubt it, Please read this article. At this time Tweets all over our small,blue marble are tweeting away at telling all to stop using "CREDIT CARDS" and to use CASH. CASH IS KING, ITS CHEAPER THAN CREDIT CARD USE. A CREDIT CRAD MAKES YOU A SLAVE TO THE BANKS, THE CREDIT CARD ISSUERS AND ITS DIFFICULT TO DIG OUT ONCE YOU GET INTO A SITUATION WHERE YOU CANNOT DIG YOURSELF OUT.

I urge all tweets, and all other concerned global citizens to 'PUT YOUR CREDIT CARDS AWAY IN THE DEEPEST DRAWER YOU HAVE' Request from your local shops to accept Paypal, accept layaways,they all accept cash.

Don't use the Department store credit cards. Only purchase what you need at the moment. You will find you really don't need the Doritos at $3.00 a bag, Use a couple more dollars and purchase a good Delmonico Steak or 1lb of Tilapia for $3.00.

Look for deals, Don't buy that Cereal at $4.19 a box, when you can purchase healthier foods for your children and make them a Pancake or Waffle breakfast less expensively.

Keep the SODA in the store, Make homemade ICED TEA & Homemade lemonade, remember when your parents did it. Keep the soda in the store.

Go online and find homemade recipes for "FREEEEEEEE!"

Shop Smart. We do. This economy has taught us to be wiser in our purchases.
Canned tuna used to be 6.5 oz now most brands are at 4.5oz to 5 oz and they cut the Olive Oil for Soybean Oil, tell them to keep it.

Cooking Oils has risen: NO real reason for it to rise. Just brands and supermarkets attempting to rip you off. Keep it on the shelf, bake leave the oil on the shelf.

Do more Barbecuing, it doesn't use household gas, stick it to the Utility company, tell them to lower the cost or you will cook less, or simply do it on the barby, Ahe.

Lets stick it to BIG OIL. TODAY I STARTED ONLY GETTING ONE GALLON OF GAS AT $2.19 A GALLON, If 3 to 6 cars in a line do it, it will send the gas attendants crazy, by slowing the line with only 1-gallon fill-ups, they may get the message. "Time is money." Most gas stations are owned by ARABCO, an Arab oil shiek, most are from the middle east or from south america, most are not citizens.

PASS THE WORD. DON'T USE YOUR CREDIT CARDS, BUY WITH CASH, BE SMART, WRITE YOUR CONGRESSMAN AND DEMAND 10% CAP ON CC INTEREST RATES, TELL THEM YOU ARE VOTING FOR A NON-INCUMBENT, HOLD BACK YOUR CAMPAIGN DONATIONS. MAKE HOMEMADE DRINKS, LIVE FREE AND PROSPER.

ADVERTISE ON WWW.LUMBERKINGS.BIZ FOR ONLY $1.00 A DAY OR $365.00 A YEAR.
SEND YOUR CODE TO: FRONTIER22@AOL.COM AND MAKE PAYMENT VIA PAYPAL TO: FRONTIER22@AOL.COM.

Senate Credit-Card Legislation Could Crimp Issuers' Growth
Dow Jones
May 13, 2009: 04:58 PM ET

BOSTON -(Dow Jones)- Proposed credit-card legislation would put the brakes on the ability of issuers to raise interest rates and impose late fees - the very tools used by card companies to offset rising losses in the current economic slump.

The rules being debated in the Senate would not only deprive card issuers of crucial ammunition but also would threaten to crimp industry growth. One way companies may respond - raise costs for financially sound consumers. The legislation would also probably make card companies cut back on lending to less- creditworthy borrowers.

The new legislation comes at a time when card issuers - such as Capital One Financial Corp. (COF), Bank of America Corp. (BAC), Citigroup Inc. (C), Discover Financial Services (DFS) and American Express Co. (AXP) - are reeling from losses on souring credit-card debt amid rising unemployment and a slumping economy.

The proposed legislation makes "their business model less resilient," says Sanjay Sakhrani, an analyst at Keefe, Bruyette & Woods. "One of the best parts of this business was the ability to re-price rates based on risk, and that lever will no longer be available to card issuers a year from now."

The proposed legislation includes a bill that caps interest rates banks can charge credit-card users. Another would ban card issuers from raising rates on existing balances unless the consumer is 60 days late on payment.

An amendment also being debated would make it easier for retailers to give discounts to consumers who use cash, checks or debit cards rather than credit cards, depriving banks of lucrative fees associated with credit-card transactions.

The bill is tougher than legislation the House passed and goes well beyond new Federal Reserve rules curbing credit-card practices that will take effect July 2010. The amendments being pushed in the Senate would add even more restrictions on banks.

Senators so far haven't reached a final agreement on which amendments will be offered or a plan to move forward on the bill.

Peter Garuccio, a spokesman at the American Bankers Association, a trade group, said the legislation "represents a fundamental change in the way card companies conduct business."

Restrictions on raising rates take away the issuers' ability to manage risk related to borrowers with patchy credit.

Moreover, in an effort to make up for lost revenue, card issuers could begin charging annual fees and raising rates on foreign exchange transactions, which would affect even the most sound borrowers. Card companies might also scale back lending to those with shaky credit, as the risk of defaults would outweigh gains if the card issuer can no longer raise rates to compensate for the additional risk.

"People who have good credit may have to compensate for people with bad credit," says KBW's Sakhrani. "People may also find credit cards not economically viable."

To be sure, card issuers have moved quickly to hike rates ahead of July next year, when the Federal Reserve's new rules on credit cards kick in.

Top card companies, including JPMorgan Chase & Co. (JPM), Citigroup, Bank of America, Capital One and American Express, are already "raising interest rates on a larger portion of customers than usual and increasing the number of fees they impose," Joshua Frank, a senior researcher at the Center For Responsible Lending, said in a research note Monday. Many cardholders have seen increases of as much as 10 percentage points or more over their existing rate, notes Frank.

But there is concern that card issuers acting hastily in an effort to lessen the impact of the regulation could cause damage.

"If they re-price too fast or too hard," KBW's Sakhrani says, "card issuers could tip over struggling borrowers."

-By Aparajita Saha-Bubna, Dow Jones Newswires; 617-654-6729; aparajita.saha- bubna@dowjones.com

(Jessica Holzer contributed to this report.)

(END) Dow Jones Newswires
05-13-09 1658ET
Copyright (c) 2009 Dow Jones & Company, Inc.

INTERNET GAMing TO BE LEGAL SOON! It's about time!!!

Internet gaming to be legal soon. I am not a fan of Congressman Barney Frank, but sometimes he is amazing to me. Gambling one of the Worlds oldest hobbies and no government entity should be in the way of an individuals right to lose his/her shirt, pants, home and family. No government agency should be responsible for a gamblers loss of house, job, family,etc.

Companies within certain industries should take it upon themselves to keep government regulators off their backs to "SELF-REGULATEFrank unveils Internet gambling legislation

May 8, 2009

As posted on the Web site of the House Committee on Financial Services, Committee Chairman Barney Frank (D-MA) unveiled legislation that would enable Americans to bet online and put an end to an “inappropriate interference with their personal freedom.”

H.R. 2267, the Internet Gambling Regulation, Consumer Protection, and Enforcement Act of 2009 would establish a federal regulatory and enforcement framework under which Internet gambling operators could obtain licenses authorizing them to accept bets and wagers from individuals in the United States. The legislation comes in response to the enactment of Unlawful Internet Gambling Enforcement Act (UIGEA), which restricted the use of the payments system for Americans who gamble online.

In addition, Chairman Frank announced he is introducing separate legislation to delay the implementation of regulations pursuant to the 2006-passed UIGEA, which are set to go into effect December 1, 2009. The regulations were completed by the Bush Administration at the last minute, and the legislation will stop Federal regulators from enforcing the UIGEA until Congress has had a chance to decide national policy.

Click here to see the text of H.R. 2267, the Internet Gambling Regulation, Consumer Protection, and Enforcement Act (PDF)

SUMMARY
The Internet Gambling Regulation Consumer Protection & Enforcement Act would establish a federal regulatory and enforcement framework under which Internet gambling operators could obtain licenses authorizing them to accept bets and wagers from individuals in the U.S., on the condition that they maintain effective protections against underage gambling, compulsive gambling, money laundering and fraud, and enforce prohibitions or restrictions on types of gambling prohibited by states, and Indian Tribes.

LICENSING
This bill would provide the Department of the Treasury with the exclusive authority to establish regulations and license Internet gambling operators. License applicants would be:

* Subject to review of their financial condition and corporate structure, business experience, suitability, and criminal background checks, and agree to be subject to U.S. jurisdiction
* Prohibited from accepting any type of bet or wager that is initiated or terminated in a state or tribal land that prohibits that type of Internet gambling, or any sports gambling or wager prohibited under the Professional and Amateur Sports Protection Act.


ENFORCEMENT
This bill would provide Treasury the authority to revoke or terminate the license of any operator who fails to comply with the bill’s provisions. Violators could be fined or imprisoned for up to five years, or both.

SAFEGUARDS AND PROTECTIONS

* Any Internet gambling operator receiving a license would be required to have the appropriate safeguards in place to:
* Ensure an individual placing a bet or wager is of legal age as defined by the law of the State or tribal area in which the individual is located at the time the bet or wager is placed
* Ensure an individual placing a bet or wager is physically located in a jurisdiction that permits Internet gambling at the time a bet or wager is placed.
* Protect the privacy and security of individuals engaged in internet gambling
* Combat fraud and money laundering as prescribed by regulations issued by the Secretary of the Treasury or designee
* Combat Compulsive Internet Gambling

" for the good of society and for their employees who are the key to their personal wealth and success.

Above you have just read an article copied from the "CASINO JOURNAL" and "IGWB" both magazines are specific to the gambling industry.

"KEEP YOUR CREDIT CARDS AT HOME"

The Credit card companies are lobbying the White House to "NOT" impose new rules and regulations and "NOT" to cap interest rates. Send your congressman, Senator and the President a message. Go further and send them a copy of your credit card statement and ask your elected officials for some of the "TARP MONEY" to pay it off and state to your congress-person that you will pay the TARP money back at "0%" interest over a 7 to 10 year period.

You see, I don't believe all,if any of the TARP MONEY TO BANKS,will ever be repaid,let alone with interest. 500+ billion just vanished into thin air. If the TARP money is sent to credit card holders or if you send your statements to the Chief of TARP Distribution, (GEITNER), maybe he will pay your bill and in return, All us U.S. Citizens who are lending the banks with our tax money(tarp dollars, can over time repay our small Tarp loans at ZERO% interest.

I see a balance in my idea. Does anyone agree or disagree.

I truly believe, Congress should authorize that every American citizen who paid taxes in 2008, should receive a government issued credit card with $6,000.00 on it, as long as you the tax-payer didn't gross more than $120,000 in 2008.

The money in the consumers hand will go to necessities, medical care, vacations and cars, and most of all food and paying down high interest credit cards.

The politicians think the American People are stupid, they continue to pass IDIOT LAWS. I can tell you this in New Jersey, I will not vote for any candidate that is a lawyer, Democrat or Republican. The elected lawyers in Washington have screwed up this nation with their legalise.

All new legislation and contracts should be written in common English and be clear and understandable to someone who has not read beyond an 8th grade education.

GAS-O-LINE IS RISING AGAIN"RIPOFF REPORT"

Has anyone noticed the price of a gallon of gas in (New Jersey) has risen to $1.98 a gallon. The excuse is low supplies. No the real reason is BIG OIL AND THE MIDDLE-EAST ROBBER BARONS (The Oil Sheiks), want Crude to settle at $50.00 to $60.00 a barrel so they can continue to keep women out of politics, out of careers and home making babies, keep abusing their women and foreign workers.

BIG USA OIL COMPANIES are again making BIG BUCKS, but I ask you, Why is the Office of the President so quiet and why isn't Congress making any noise. I'll tell you why, they need greenbacks to finance their campaigns.

I request that all voters, "NOT VOTE" for any INCUMBENTS this time around, lets all vote for the New guys, regardless of Party, In NOVEMBER, SPLIT YOUR TICKET, SEND A CLEAR MESSAGE TO THE MEN AND WOMEN, WE PUT IN CHARGE OF OUR TAX DOLLARS, that we want action, we want a new fair tax system. We want the same medical care package each elected official has and we want the same pension package each elected official has.

It's time to remove the perks of the Washington Politicians and its time for term limits, It's time that Campaign funding laws should not allow any candidate or currently elected official from raising and accepting any campaign donations from out of State individuals and entities. All fund raising should be raised within the States with a minimum of 10% coming from the district itself.

I work hard, my business sales are down. Uncle Sam is giving me any TARP money.
I could use some business stimulus money or a lifeline until business improves.
Check out my small enterprise at: www.lumberkings.biz

And to all, I wish you success in your endeavors, remember we are the government, lets do our best regardless of political party affiliation to keep the politicians accountable. Let's make sure to end patronage and lets kick ass and vote our the corrupt and lazy.
GO PHILLIES

Sometimes being Senile isn't so bad, Politicians, taxes,The G.O.P. and the Auto Industry!

THE SENILITY PRAYER :
Grant me the senility to forget the people
I never liked anyway,
The good fortune to run into the ones I do, and
The eyesight to tell the difference.

Always Remember This:
You don't stop laughing because you grow old,
You grow old because you stop laughing!!!

Each day we wake up, get dressed for work (some of us)
We take the same bus,train, or car(fossil fuel transporter) to visit a client and park in the same garage near the office at $100 to $300 per week)
We are creatures of habit.
We find a comfort zone and we stay there, not venturing beyond the zone for fear of
"C-H-A-N-G-E."
That is the legacy many Government leaders have;nationally,in your State, and Locally at the Municipal level.
People are afraid of CHANGE, Politicians are afraid of CHANGE, after all they could lose their Cushy Pay, and the fancy benefits of the job.

WAKE UP AMERICA, THE POLITICIANS AT ALL LEVELS WORK FOR Y-O-U!, They are bleeding us dry with tax on-top-of-tax. Enough Already, Do we need another R-E-V-O-L-U-T-I-O-N.
The Boston Tea Party was a set-up for Independence.

Do you feel Free and Independent? when every time you look and turn around, their is the tax man in your face. Isn't time to eliminate the I-R-S? and make the tax system simple? I am up to the challenge and would like to be hired to re-write it, but if I write it, many wasteful government entities would be closed, Many federal agencies would shutter their doors and I would bring federal employment down by 50%,excluding military employees and recruits, within four years.
Those ex-gov employees would need to find work in the private industry. The jobs would be there for them but only the cream of the crop would be hired.

The National Republican Party is all but DEAD. The Democrat party is now in charge.
Will they continue to spend on lost causes like keeping the fossils of the Auto Industry alive for American Pride by pouring another 15 to 30 billion dollars into a losing proposition.

The UAW has now become a major stockholder/stakeholder in a shell company called "CHRYSLER" How will the UAW leadership reduce costs, How will they deal with their Union brothers and sisters, Will the UAW leadership work for free? I doubt it.

I believe it is a blunder by the Congress and the President to sink any more money into the carcasses of the American Automobile Industry, Its a money pit, a black hole.

I suggest the President and Congress Offer to every American citizen earning not more than $60,000 as an individual and not more than $120,000 as a joint taxpayer a government backed $6,000 credit card and the elimination of the federal income tax for the balance of 2009.

The US citizen will take the $6,000.00 and spend it on many consumer items, maybe even purchase an American made(union free) Honda, Hyundai, Toyota or VW. The money will be used to pay down rip-off credit cards with interest rates as high as 30%, and much more. My proposal of $6k to 12K per working family earning up to $120,000 will spark the economy because its "REAL SPENDING MONEY" not the measley $300 t0 $600 per family,which didn't do much for the economy.

The BEST AND ONLY STIMULUS PACKAGE IS WITH THE PEOPLE,(AKA CONSUMER), We the People will spend the money on necessities and personal luxuries. Money in the hands of Bankers is lost and will never be recovered, Money into the hands of the Auto Industry will never be recovered.

Economic Darwinism is being thwarted by keeping Chrysler and GM on life-support.
Out of the Ashes of the American auto industry may come 10 to 50 entrepreneurial automobile companies. I would rather have 10 t o 50 new automobile companies than the current/(past)- big three controlling America's economy.

We need move move beyond Fossil propelled vehicles and to do that, we need to bury two of the three fossils:GM and Chrysler. As for FORD motor company, they may need to merge with a European or maybe an Indian(India) Company to survive.

Be Senile, Smile and have a nice day,

Go Phillies