Nov 28, 2009

Into the Holidays

I'm hoping you all had a very good Thanksgiving and avoided getting trampled yesterday. Actually, I did wander into a few shopping spots and was both surprised and not-so-surprised at the lack of lines at the registers. Must be some kind of sign, and we'll know Monday.

A big thanks to those who have been keeping the embers burning in the comments. I'm still here and actually kind of getting all my virtual houses in order. It's a bit sad to see the dwindling hit counter, but my mind and body are in a very nice place now.

We're about to do some serious traveling and getting set to launch Bullit's new cookie business. Great Big Radio is still rocking out loud (we'll be playing everything from 1972 between Christmas Eve and New Year's Day for our annual holiday special). And like the rest of the planet, we're getting ready for the next chapter.

Ever notice the annoyance of politics goes away when cable news, book hawkers and Washington shut down for a long weekend? I'd love to keep it this way. Let's work on that.

As always, we're still maintaining the Bloggregator if you need your political animal fed and walked. Let us know how you're doing.

Nov 17, 2009

The Consumer Credit Screwjob, Illustrated

Here's what we've been talking about: The credit card companies putting the screws to American consumers before the reforms go into effect in February.

Today, we received one of those "Changes to Your Account" notices - this time for a credit company which specializes in medical and dental care, which makes it even more insidious. First, the purchase requirements:

CreditCardX001 

So the new changes apply to "Transactions made on or after the Effective Date."

Coincidentally, they also apply to "Transactions made before Effective Date."

Gee, that's fair. Everything I purchased under the old agreement now falls into the new agreement's new APR. And what would that be? The 11.99% we WERE paying? Yeah, right.

CreditCardX002 

There it is. Loan shark rates. 29.99%. Not quite 30%, I know, but close enough.

The fucking audacity. Close to $20k in necessary dental work we both needed (and that's AFTER insurance), and they pull the rug out from under us by almost tripling the APR.

Oh, but we do have an opt-out option. We can refuse these new rates...BUT...

CreditCardX003 

Some "right to reject," huh? We can reject it, but that would close the account. And as we've said time and time again, closing credit accounts knocks your credit score down substantially.

Folks, we're working our asses off to be fiscally responsible, but sometimes unexpected costs happen. And these animals...these bottom-feeders...these greedy bastards are making one last goal-line stand to screw us for every dollar they can.

If I don't opt out and close the account, this will never get paid off - so I have to take the credit score hit.

This is what we're up against - right there in black and white. We're screwed. The so-called credit card reform bill has been rendered totally and completely useless. They foolishly trusted these monsters to do the right thing - and all they want to do is kick us viciously in the collective balls.

I wish there was something this White House can do...but with Joe Biden in there, proud former senator of Delaware, the credit card capitol of the nation, I'm not going to hold my breath.

And before our conservative readers rejoice at my saying that, let me make it clear that this is the result of your beloved free market deregulated marketplace that has no government (or any) oversight. Pure unmitigated chaos - THAT is the "libertarian" cornerstone you so dearly embrace, and it's been in place long before this administration took office. We're seeing the fruits of your free market myth, your "libertarianism," and they're all rotten to the core.

The good news out of all this is eventually we'll get our financial house in order. We'll pay all this bullshit off one way or another. And once we do, we'll remember all those who fucked us over when we needed them most.

Their shortsightedness will come back to kill them. My only regret is that it won't come soon enough.

We welcome your suggestions. We've run out of ideas.

Nov 16, 2009

Delicious Irony

I have to come out of hiding (hey, my blood pressure's been normalizing. Can't have that) to pass along this absolutely tasty little bit of business from Satruday's Phoenix Tea Party to protest the nazi-like socialists in the White House.

It seems that real nazis showed up to join in...even going so far as to unfurl a nazi flag. I'm going to go out on a limb here to say with absolutely no uncertainty that they did NOT come in support of Barack Obama, but to be a part of the anti-Obama rally.

The embarrassed tea partiers tried to show them the door, but the local media still got the story. Nazis from the National Socialist Movement came in support of the right wing teabagging.

Real Nazis. Real Socialists. Somehow the "conservative" tea parties are now attracting the very things they've been calling Obama.

You keep that pig sty gate open - and stay classy, wingnuts!

Nov 11, 2009

Burn Your Credit Cards (Just Don't Close 'Em)

We've been writing for some time about the screwing of the American consumer by the credit card companies, despite the so-called overhaul of the credit card industry. Even though it was passed, it doesn't go into effect until February. That's given them several months to bend you over and slam it to you.

Here's an important thing we want to pass along. READ THOSE MAILINGS THEY SEND YOU. Discover and banks that distribute Visas and MasterCards are jacking APRs to an astonishing 29.99%. They do warn you, but you have to read the letters they flood you with. They generously offer you to opt out of the rate hike, but you must close the account and stop using the card. Then they'll magnanimously let you pay it off under the old agreement's APR.

Problem. Closing credit card accounts negatively impact your credit score since you need credit to get credit. So you can save money - but it comes with a price.

We've also stated many times that credit companies (not just AMEX, but the rest are joining in) are now eliminating high credit limits, slamming them down to current balances. This eliminates your debt-to-available-credit ratio which is also devastating to your credit score.

If you have time to wage battles and make a living chasing down the credit bureaus, you can probably knock your score up several points. You can also fruitlessly seek out new credit. Chances are, however, you'll be declined and that (say it with me) will ALSO give your credit score the smackdown.

It's a lose-lose-lose situation for Americans, and February won't fix what they're putting in place now.

Budget yourselves. Stop using credit if it's at all possible. We know it's tough to do these days. But sell the Wii. Drop the video subscriptions for now. Eat at home. Stop impulse buying because something looks like a great deal (I love ya, Woot, but these are lousy times). Start selling stuff on eBay and donate the rest - it's the end of the year and you should beef up those charity donations for tax time anyway.

And read this new article: "10 Ways Credit Card Companies Are Still Screwing You." There was a time when if they did just any ONE of these things, it would send shockwaves through the industry. In the last year, we have seen every single one of these implemented, and it's horrifying.

It's a game we're all losing to unregulated greed. Sorry, "libertarians," but this is free market at its worst. This needed government intervention years ago, but we had a government that didn't want to interfere (even though we're still paying them to HELP US).

We're right there with you on this, and we'll pass along any good news if God forbid we actually get any. Try to have a good holiday season. And if the in-laws just get a card instead of a big shiny new thing, they should understand.

Nov 04, 2009

The Real Losers of the Election of 2009

The election of 2009 should have gone down in history as most off-year elections. Some governor seats, enough congressional seats to fill a bathroom stall, mayors, city counsel seats, education secretary ombudsman-liaison guy…

It was your standard issue odd-numbered year. Nothing seismic. Nothing that would form cracks in the earth’s crust.

By no means should it have been an event which should determine any life-changing course for either party. But as anything else political, it has been built up into what House Minority Whip Eric Cantor proclaimed a “great victory…a clear sign that we the people are fed up with the Obama, Pelosi, Kaine agenda.”

“A great victory.” It’s a meme which the media and even a lot of scared Democrats are buying hook, line and sinker. The instant experts are saying that incumbent Democrats should be very very concerned, and there’s a sweeping backlash against whatever it is Obama stands for. (The media sure doesn’t seem to know what that is.).

Even MSNBC’s top four take-aways were:

  1. Democrats lost the indies.
  2. The Democratic base has given up.
  3. Incumbents should be scared.
  4. Infighting is bad

Looks pretty bad for the Democrats now, huh? If only any of this wasn’t so laughably far from the truth.

Let’s look at what CNN called “a big night for the GOP.”

Virginia: Bob McDonnell had a decisive win over Democrat Creigh Deeds. By all accounts, McDonnell ran a very high-minded campaign, not unlike that of Barack Obama last year. Hell, McDonnell’s website looks remarkably like Obama’s. Secondly, Virginia is uncanny at electing governors of the opposite party of whichever president won the previous year. It happened in the three previous presidents and it happened last night.

Then there’s New Jersey. No carbon-based life form could have lost to the abysmal Jon Corzine. He lost this election long before this year even started. The GOP could have put Toucan Sam from the Froot Loops box on the ticket and won. The fact that Chris Christie had such a hard time down the stretch is in itself remarkable, and a clear indication that the certainty of a GOP earthquake is practically nil.


Which brings us to New York’s 23rd congressional district.

With the seat vacated by John McHugh, the Republican who accepted the job as Secretary of the Army under Obama, a committee of Republicans – not voters, but establishment Republicans – chose Dede Scozzafava to be McHugh’s successor.

It should have been easy. Scozzafava, a moderate Republican, versus Bill Owens, a moderate Democrat. NY-23 is a notorious red zone, politically, and the GOP candidate should have won handily over the Democrat.

But then came the wildcard. Doug Hoffman, a conservative from outside New York’s 23rd, became the Conservative party’s candidate, buoyed by the heady perceived success of the tea party movement.

In an unmitigated show of hubris and ego, one by one, the superstars of the current conservative movement wanted to display their clout. Said they, “If we can proactively place someone in Congress, we’ll be taken seriously as a real force in this country.”

First to wade in these waters was of course, Sarah Palin. In a long-winded endorsement on her Facebook page, she threw a full-throated love note to the conservative, saying “Republicans and conservatives around the country are sending an important message to the Republican establishment in their outstanding grassroots support for Doug Hoffman: no more politics as usual.”

The rest of the conservative royalty was eager to join in. After Palin’s annointment, one heavyweight after another was calling for Hoffman’s victory. Rush Limbaugh, Glenn Beck, Sean Hannity, Michele Bachmann – and ultimately John Boehner, Eric Cantor…just about every single conservative icon with the exception of Newt Gingrich was singing the praises of Doug Hoffman.

So there it was. The best and brightest of the right, the kings and queens of conservative America, the darlings of the tea party movement - making their choice crystal clear.

And this, in a historically deep red district. In an area that should have been impressed by the global attention. In a state they would normally shun would it not be for those “real Americans.”

The fix could not have been more in. The deck couldn’t have possibly been more stacked. The conclusion was beyond foregone.

And yet – the winner was Democrat Bill Owens.

Bill Owens, the first Democrat to win that district since the 19th century - winning not by a squeaker, but by a 4% margin.

The awesome power of what is supposed to be the new monolithic standard bearers of the Republican party – shot down in one night by rural voters who were ultimately put off by the sniping, the snottiness and the overbearing egos of a movement that now has to go back to the hole they crawled out of to lick their wounds.


November 3, 2009, was a referendum on nothing. This was no shunning of Obama. This was a victory for neither Democrats or Republicans. It was an election of very little consequence in the grand scheme of things.

It was election day where, as always, the people – not the pundits and party royalty – did the deciding.

There will be those who still see it as a cataclysmic lesson to be learned by the White House. It’s nothing of the sort.

But if you need to take something big away from all this, it gets no bigger than having the anointed future of the Republican party reading the room so horribly and decisively wrong that it will forever go down in the record books as a huge loss. It should be clear that this is a party that now, more than ever, has serious, serious problems.

The GOP is facing extinction at the hands of its saviors. Instead of regrouping on the morning after seeing their affiliation torn to shreds by the fringe, they want to tell the Democrats how to run their party. This might be their dying wish – and delirium is setting in.

Democrats – especially the Blue Dogs – have nothing to fear today.

Get off the ledge, stop your crying and come back in - and listen to your constituents. You have no reason to look as foolish to the public as Sarah Palin does right now. For the second time in one year, she lost a nationally-followed election.

That does NOT look good on the resume'.

Nov 02, 2009

How Many Times Can You Keep Saying the Same Thing?

Not sure what the number is, but I'm pretty certain I've reached it.

[NOTE: This is not a goodbye speech. I'm just letting you know why I'm not posting a dozen things a day any more.]

I'm trying to keep up the good fight and I'm trying to disseminate as much information that either really matters or really entertains, and it looks like the former is just getting redundant.

The health care circus like all circuses just gets on one's nerves after so much time. Are we going to try to get SOME GOP involvement in this? I'm 99.999% certain the answer will always be a resounding "no" - an answer the Republicans have made abundantly clear in their quest to make this Democratic president fail.

Will we actually use our power to make change happen? I'm not so sure. Consensus-building was something BushCheney completely avoided. Obama's giving it the college try, and I commend him for that. He seems so determined to make it happen, but you can't help but wonder if he's even remotely aware of the futility. He must. That's my assessment and I'm sticking to it.

Beyond health care is something which is just killing Americans' financial futures - the credit crisis. There was supposed to be a great reform in the way credit card and loan companies treated their customers.

I just don't see it.

American Express once gave generous credit limits to its revolving charge card "members" (Optima, Costco, JetBlue, etc.). Late last year, much to the shock of cardholders, they threw a wrench into the machine by slamming credit limits down to cardholders' balances. In the process, they destroyed their customers' debt-to-available-credit ratios, leading to plummeting credit scores.

The harsh economy has led families to more credit card spending on the more conventional cards like Visa, MasterCard and Discover. With families' emergency spending on essentials racking up balances on those cards, more debt-to-credit alarms went off, resulting in those companies recently raising APRs to 29.99%.

We know all about this. We tried launching a new business this year. That plan's been tossed on the scrap heap. We've stopped using (or have opted out of) just about all our credit cards - a move which, ironically, also negatively impacts your credit score. But if we can't get decent credit now, what's the point? It's cash only from now on.

The administration proudly proclaimed a victory over credit card companies' abuse in legislation passed last May.

Again...I just don't see it.

I can go on and on with kitchen table issues that should be acted upon, but this treading water is really getting tiresome. It'd be more beneficial to my physical and mental health if I did real treading water at the pool instead of in the political arena.

President Obama is an extremely smart man. I don't think my whining will have much effect on how he conducts his business. The Democrats are always going to be Democrats. The wingnuts will always be wrong. Republicans have a golden opportunity to redefine themselves, but they're too busy being resolute and posing as badasses to do anything new or constructive. I still haven't found the sane third-partier.

In short, I'm really getting irritated trying to make sense in an arena where the whole concept of sense makes none.

I do know I'm thankful I don't depend on the likes of Sarah Palin to guide my conscience. I can recoil at wingnut radio and pump my fist at progressive radio all I want, but at the end of the day, we all still have our convictions and we all are guided by our knowledge - or lack of same.

Truth be known, I want to spend more time with my wife and friends who really need me. I want to get my house and my general health (I'm fine) in order and I want to have a little more fun than I've been being part of this echo chamber lately. I hope in the days and weeks to come, I can have some of that fun on this board. The posts will be sparser. I hope to make them matter more and be more entertaining. And I certainly will not be closing this thing down.

The Bloggregator is where my political animal feasts on its red meat, and I sure hope most of you will continue to use that to feed yours. By the numbers, it seems you've all been doing that anyway, and I thank you for that. The sites we follow over there are all exceptional, and they continue to reach more people than this li'l pothole of cyberspace ever will.

I really have grown fond of the quirks and qualities of every one of those sites. I'll always marvel at how Atrios can post an "Oy" and a link and get 10,000 comments. Josh Marshall always amazes me at how many of his own links link to his seven dozen TPM properties, no matter how many times you click. ThinkProgress never disappoints me with their thoroughness and fastidious research. Same with Greg Sargent's Plum Line and of course Media Matters.

All those guys have the time and resources to do what I can only dream of. Because of time constraints, my job here lately has been merely passing on the best of their good work to you.

Just as our mentor Stranger, we're going to pop on here for some online therapy to prevent ourselves from exploding. We're just not going to do it 24/7. A brain is a terrible thing to burn out.

I'm looking forward to spending what was a bulk of my blogging time with my beautiful bride...what's her name. And to figure out what to do about the happy and sudden popularity of our internet radio station, Great Big Radio.

The work begins anew. The hope rises again. And Hoffmania lives on.

Just a little more quietly.

Oct 31, 2009

Happy Pagan Satan Worship Day!

Oct 30, 2009

HEY!!!

Several alert readers clued us in to Josh Marshall's new word on the NY-23 race. This is clearly gimmick infringement. But at least Josh and I thought of it, which either brings me up to his level or brings him down to mine...

Picture 4

Fox Defines "News" and "Opinion" Hours...

...and thankfully, Jon Stewart and TDS' staff shine a spotlight on that claim. MUST WATCH.

The Daily Show With Jon StewartMon - Thurs 11p / 10c
For Fox Sake!
www.thedailyshow.com
Daily Show
Full Episodes
Political HumorHealth Care Crisis

Oct 29, 2009

GOP Destroys Itself in NY-23

Dede Scozzafava (R) has now been left dead in the water thanks to the nationally known wingnuts rallying behind Doug Hoffman (C) who's now tied with Bill Owens (D).

Scary...but a lot more so for the Republican Party. Their leaders (Palin, Limbaugh, etc.) have thrown Scozzafava under the bus for a more strident individual which is more suited to their entertainment value.

The egos have landed...to coin a phrase.

FOX Makes MSNBC a Playa

Isn't it odd how FOX marginalizes MSNBC - unless they're arguing that the White House gives MSNBC a free pass while they criticize FOX?

Then suddenly MSNBC becomes a force to be reckoned with. If I had FOX's ratings, I'd sit back and shut up. Fortunately, that's not their style.

Oct 27, 2009

The Boss Hogg News Network

HoggAiles

Great side effect: The White House's criticism and dismissal of FOX News is making them even more strident, blustery and a whole lot more irritating.

The more them Duke boys tweak Boss Hogg, the redder his fat face gets.

I Will KEEL You

Really...when you're punk'd out by Harry Reid, NOBODY fears you.

The WAAAAHHHpublicans Want Grayson to Stop Being Mean

Rep. Alan Grayson is really - we mean really - getting under the GOP's sensitive little fingernails. They're crying to Obama to make the bad man stop. Fat chance.

They HATE political correctness, but when the tables are turned, as always, they go crying for apologies. Screw off, all of you.

Republicans are calling on President Obama to take a stand on Rep. Alan Grayson's (D-FL) controversial remarks about a female lobbyist. During his visit to Florida yesterday, Obama praised Grayson, calling the freshman representative "outstanding" in a speech praising other members of the state's Democratic congressional delegation.

"President Obama should immediately rescind his accolades and condemn Grayson's shameful comments, and Congressman Grayson should issue an apology," said RNC co-chair Jan Larimer.

Grayson, the new darling of progressives thanks to his tough talk about the GOP, called the female lobbyist a "K Street whore" on the air. He was immediately attacked by state and national Republicans, and has since said he was referring to lobbyists professional life, not her character.

A Fate Worse Than Death

Joe "160 Lb Sleeping Pill" Lieberman filibustering. He's threatening to do it to the health care bill with the public option.

Independent my ass.

Don't Do This To Me!

Woot-Off.

The FOX News "Obama Change Index"?!?

Extreme fake news: FOX News is charting Obama's "change index" - whatever the fuck THAT is. But he's down 282 today. It looks bad, I think. Unless it's 282 out of 4,980,222 - a number I pulled out of my own ass.

The Overwhelming Evidence Against FOX "News"

Media Matters doesn't screw around when it comes to presenting FOX's self-inflicted wounds to their own credibility. Today, they're almost having a hard time keeping up with everything FOX has fabricated in the last 24 hours. Some examples:

Fox News' Rhetoric Echoes Ailes' Long History Of Race-Baiting

Boehlert: 30 Reasons Why Fox News Is Not Legit

Fox Misleads On Public Option Opt-Out

News Or Editorial? Fox News Uses Luntz-Approved Term "Govt Option"

Bogus "Fox Fact": U.S. Chamber of Commerce, under attack from Obama, represents "3 million businesses"

Beck says administration "modeled themselves ... after Al Capone. You take these guys on, and they will bash your brains out"

Carlson declares that "the name" of the public option "should technically be" "government-run health care"

Seriously, now - is Gretchen Carlson an anchor or a pundit? She's got to be the epitome of the news/opinion blur over there.

The head spins - ironic for a "no spin zone."

Oct 26, 2009

Shep's "Playground"

Show-banner He now has a new reservation from which he can wander off. Shepard Smith's new web page. He vows to keep it running until he gets bored with it.

Ponderance

With this new wave of marginalizing, FOX News is heading toward Talon News territory. Just with a lot of hair spray.

UPDATE: Well. How 'bout this. I just checked the new Talon News site. It sure as hell ain't Jeff Gannon's Talon News anymore.

UPDATE AGAIN: Even JeffGannon.com isn't Jeff Gannon's JeffGannon.com anymore. How bad is it when you can't even spring the $9.95 a year to keep your domain? And why do my ponderances always launch a zillion more levels of ponderousness?

Maddow: Why FOX News Isn't News

Simply, it's because real news organizations don't sponsor, overtly condone and even organize demonstrations against the government. A government, we might add, which FOX News feels has been picking on them in the past couple of weeks. FOX has been rallying the troops against the White House since January 21st.

Rachel does a magnificent job in breaking it down. Pay attention, Jake Tapper.

Also last Friday, Lawrence O'Donnell, with the help of Media Matters, showed in vivid and almost frightening detail FOX News' rampage against the Obama presidency since Day One.

Stop Playing Nice

...unless you like getting your balls kicked in anyway. Greg Sargent:

Beck continues to deride the news orgs as administration flunkies who won’t defend their journalistic colleagues at Fox, even as Tapper and liberal pundits (and now Kurtz) step up and … defend Fox! Look, no matter what figures at the news orgs say on Fox’s behalf, Beck and company will still trash them for being in the White House’s pocket. Defending Fox is such a great idea…

Getting a Little Defensive There, FOX News?

The network of cheap shots suddenly becomes the network of hubris when the tables are turned. Watch a very petulant Gregg Jarrett lose it when Rep. Rob Andrew (D-NJ) questions their fairness and balance. Wow. Tensions are running high over there.

You can hear the call made during the break. "Did I do good, Mr. Ailes?"

Oct 23, 2009

Sure Sign of the Apocalypse

Roger Ailes is being pushed as a serious GOP presidential candidate.

Story.ailes.gi 

'Cuz he's so gosh darned attractive in a Deputy Dawg kinda way, and his network is such a paragon of inclusiveness. But mostly because the White House is picking on him. Good reason to put our lives in this monster's hands.

Oh, THAT'S Why Citi Jacked Their Credit Card APR to 29.99%

They need to pay all the lobbyists they're hiring to fight regulation that would prevent them from raising credit card APRs to obscene heights...like 29.99%.

Oct. 23 (Bloomberg) -- Citigroup Inc., which has yet to repay $45 billion in federal assistance, has more lobbyists than any other company who registered to try to shape legislation regulating the financial industry, U.S. Senate records show.

The New York-based bank, 34 percent-owned by the U.S. government, is listed as a client by 46 of the 1,537 lobbyists who filed with Congress to work on President Barack Obama’s push for rules to limit financial risks and impose stricter consumer protections.

They join 44 advocates for the American Bankers Association, 41 for Prudential Financial Inc., and 29 for Goldman Sachs Group Inc. Altogether, lobbyists for companies, business organizations and financial industry groups outnumber, by 25 to 1, the 58 who registered to represent consumer groups, unions and other proponents of tougher regulations.

“We’re like Luke Skywalker and they’re like the empire,” said consumer lobbyist Ed Mierzwinski, referring to the “Star Wars” hero. Mierzwinski works for the Boston-based U.S. Public Interest Research Group.

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