Independent Democracy

Thought provoking commentary

The Tea Baggers can’t make up their mind

The Tea Baggers can’t make up their mind. The people at the DC rally today said government is too big and stay out of my wallet. The Tea Baggers outside Cape Canaveral today want more government money for NASA. So let me see if I understand this, it’s less government when it’s assisting the poor and providing unemployment and health benefits to those in need. It’s more government when it’s $$ for NASA, farmer subsidies, and it’s their job that’s being cut. Nice platform Tea Baggers.

April 15, 2010 Posted by | Barack Obama, Current Events, Florida, Money, News, Newspaper, Politics | Leave a comment

Dear God, where were you when we needed you most?

This story John Travolta Flies Rations, Scientology Ministers Into Haiti, got me thinking.

Do these religious groups care about helping the people of Haiti or “saving” the people of Haiti?  It’s one thing to donate food and $$, it’s another to try and convert them when you get there.  Where were these religious groups BEFORE the earthquake struck?  Most were not there, why, because they didn’t care.  Since most all of the religious groups who are helping now, were doing absolutely nothing to help the people of Haiti BEFORE the earthquake struck, I can’t help but believe their true purpose now is to spread the word of their religion.

Travolta’s cult of Scientology is not the only one doing it, but for example, is there really a need to send “Scientology Ministers” to Haiti now?  Food, clothing, shelter, and infrastructure repair are what’s needed, not religion.  Why is religion not needed?  When the people of Haiti needed a God the most, about 30 seconds before the earth shook, no God was there to prevent this disaster.  However, now the religious groups are saying, God is here to help.  Really?  Even though he/she didn’t help me then, if I pray according to your religion now, I will helped.  Reminds me of the phrase “Fool me once shame on you, fool me twice, shame on me.”  Or as George Bush would say “There’s an old saying in Tennessee — I know it’s in Texas, probably in Tennessee — that says, fool me once, shame on — shame on you. Fool me — you can’t get fooled again.”  Unfortunately for the Haitians, there’s a lot of foolery going around.

This post was not meant to offend you, or anyone else, you can believe whatever you want and are entitled to your opinion.  It’s just things like this make religion seem foolish to me.  We pray now in the hope our prayer will be answered, even though, it clearly didn’t prevent the disaster in the first place.  Yes, I know, it’s called faith.  I think a better word for it is credulity.

January 25, 2010 Posted by | Cult, Current Events, Military & War, Money, News, Newspaper, Politics, Random, Religion | Leave a comment

Americans just don’t care…about each other

If you come upon a a driver who has been injured in a car accident, most people would stop and help. Whereas if you have a fellow American citizen without health care who is dying because they can’t afford health care or were denied coverage, most people do nothing. Why is that?

What happened to our United States that we don’t provide a basic human right for each other, such as affordable health care for our citizens? England, France, and Canada do, why don’t we? Are you not willing to collectively pay a little more in taxes so all of us are covered? We all pay a little in taxes so we all have clean drinkable water from our faucet. We all pay a little in taxes so we have paved roads, police/fire service, and a sewage system. But when it comes to health care, which everyone needs sometime in their life, we do nothing. That is why Americans just don’t care…about each other.

Greedy, profit driven companies and corrupt politicians have ruined this country. Complacent citizens have contributed to the problem.

December 22, 2009 Posted by | Current Events, Health, Money, News, Random | 1 Comment

Palin resigns as Alaska Governor, to enter porn industry in 2010?

fn-header


Saturday, July 04, 2009
James Clavitt Jr., Fox News Senior Staff Writer
New York, N.Y.

Fox news has confirmed Alaska Governor Sarah Palin will resign her post as the state’s chief executive and will enter the lucrative porn industry of Southern California sometime in 2010.  Larry Flynt staffers have confirmed Flynt has offered and Palin has accepted a large 8 figure salary to exclusively appear in print and film productions for Larry Flynt Publications.  It’s unclear why the conservative Palin has accepted Flynt’s offer but sources close the negotiations have said Governor Palin wanted to create a situation that would keep her and her family financially secure and for years to come and Larry Flynt Publications submitted an offer that was hard to pass up.  Todd Palin, the Governor’s husband, was initially furious but was persuaded to accept the offer after Flynt staffers estimated the video and print media demand would make Palin the most sought after actress in the history of film and year one sales profits would exceed $800 million dollars.  Flynt reportedly also agreed to donate a large some of money to Mr. and Mrs. Palin’s favorite charities each of the next 3 years.

Additionally, Palin is expected to get a percentage of the video and print media sales in which she appears, which is said to be unprecedented in the adult film industry.  Initial reports are she will receive as much as a 55% share of profit for each video sold and 75% for online video content.  The print media share was estimated at 10%.  Mr. Flynt, did not immediately return calls to his office but a spokesman for the adult media mogul said the deal was 99% complete but he could not give any more specifics because he was not permitted to release information until the contract was finalized.

James Stanton, editor of Adult Video News, said this agreement would be bigger than any contract ever signed in or out of the porn industry and that Palin demand is so high that sales could reach levels seen of Oscar winners in traditional film and print sales would eclipse demand for the Harry Potter book series.  “We’re reaching a time when adult film is no longer taboo” Stanton said from his Los Angeles office. “Demand is high for anything Palin, film and print sales from a woman with the popularity and beauty queen caliber looks of Palin would be so high that something like this just might help get the country out of the recession”, said Stanton with a chuckle.  Calls to Mr. and Mrs. Palin’s office were not immediately returned.

James Clavitt Jr. and Jessica Dupart, Fox News Senior Staff Writers contributed to this report
Copyright 2009, All Right Reserved

You can save $5 on a new SmugMug subscription
14-day free trial, no credit card required
Named best photo & video storage site on the web, 2007-2008

smugmug

July 4, 2009 Posted by | Barack Obama, Current Events, Election 2008, John McCain, Money, Movies, News, Newspaper, Politics, Random, Religion, Sarah Palin | 1 Comment

Does Senator McCain really know what he thinks he knows?

picture_1_08

During all three Obama-McCain presidential debates, Senator John McCain repeatedly said “My friends….I know how to do (this or that).  He said he knew how to “reach across the aisle” and work with Democrats.  He said he knew how to fix the economy.  He said he knew how to do a lot of things, but now that he’s back in the Senate and not in the White House, he is refusing to tell everyone else “how to do” all these things.  Some consider this unpatriotic.  Some say he was just lying to the American people during those debates.

Senator McCain has repeatedly refused to “reach across the aisle” and “work” with the Democrats in the Senate on the economic stimulus bill.  Where is the bipartisan and “maverick” Senator you said you were?  He said he knew how to fix our economy but has refused to tell everyone else how to do it.  Is it unpatriotic for him to have all the answers to our a national problems but then refuse to share it with others?

Here are some quotes from the 2008 Presidential debates and decide for yourself.  Was Senator McCain lying to the American people during the debates?  Is he unpatriotic for having the solutions to our national problems but thus far, refusing to tell us?  Is he really the “Maverick” bipartisan Senator he claimed to be?

Presidential debate #2 Senator McCain “I Know” quotes:

Is it expensive? Yes. But we all know, my friends, until we stabilize home values in America, we’re never going to start turning around and creating jobs and fixing our economy. And we’ve got to give some trust and confidence back to America. I know how the do that, my friends. And it’s my proposal, it’s not Sen. Obama’s proposal, it’s not President Bush’s proposal. But I know how to get America working again, restore our economy and take care of working Americans. Thank you.
Why aren’t you telling us how Senator McCain?

You’re going to be examining our proposals tonight and in the future, and energy independence is a way to do that, is one of them. And drilling offshore and nuclear power are two vital elements of that. And I’ve been supporting those and I know how to fix this economy, and eliminate our dependence on foreign oil, and stop sending $700 billion a year overseas.
Why aren’t you telling us how Senator McCain?

I know how to do that. I have a clear record of reaching across the aisle, whether it be Joe Lieberman or Russ Feingold or Ted Kennedy or others. That’s my clear record.
Why aren’t you reaching across the aisle Senator McCain?

But the point is that I know how to handle these crises. And Sen. Obama, by saying that he would attack Pakistan, look at the context of his words. I’ll get Osama bin Laden, my friends. I’ll get him. I know how to get him. I’ll get him no matter what and I know how to do it.
Why aren’t you telling us how to get him Senator McCain?

Presidential debate #3 Senator McCain “I Know” quotes:

I know how to save billions of dollars in defense spending. I know how to eliminate programs.
Why aren’t you telling us how Senator McCain?

I know how to save billions. I saved the taxpayer $6.8 billion by fighting a deal for a couple of years, as you might recall, that was a sweetheart deal between an aircraft manufacturer, DOD, and people ended up in jail.
Why aren’t you telling us how Senator McCain?

Presidential debates Senator McCain “reaching across the aisle”, “working” and “bipartisan” quotes:

And there were a series of recommendations, as I recall, more than 40. And I’m happy to say that we’ve gotten written into law most of those reforms recommended by that commission. I’m proud of that work, again, bipartisan, reaching across the aisle, working together, Democrat and Republican alike.
Why aren’t you reaching accross the aisle on the economic stimulus bill Senator McCain?

I have advocated and taken on the special interests, whether they be the big money people by reaching across the aisle and working with Sen. [Russ] Feingold [D-Wisconsin] on campaign finance reform, whether it being a variety of other issues, working with Sen. Lieberman on trying to address climate change.
Why aren’t you reaching across the aisle on the economic stimulus bill Senator McCain?

I have a clear record of bipartisanship. The situation today cries out for bipartisanship. Sen. Obama has never taken on his leaders of his party on a single issue. And we need to reform.
Where is the bipartisanship on the economic stimulus bill Senator McCain?

And there were a series of recommendations, as I recall, more than 40. And I’m happy to say that we’ve gotten written into law most of those reforms recommended by that commission. I’m proud of that work, again, bipartisan, reaching across the aisle, working together, Democrat and Republican alike.
Why aren’t you being “bipartisan”, “reaching across the aisle”, or “working together” on the economic stimulus bill Senator McCain?

We can, with the participation of all Americans, work together and solve these problems together.
Can we Senator McCain? Really?

I’m going to tell you Americans we’ll get to work right away and we’ll get to work together, and we can get them all done, because that’s what America has been doing.
When will you start “working together” Senator McCain?

We know what the problems are, my friends, and we know what the fixes are. We’ve got to sit down together across the table. It’s been done before.
How about sitting across the table with the President and fixing the economy Senator McCain? It’s been done before, how about doing it now?

February 7, 2009 Posted by | Barack Obama, Current Events, Election 2008, John McCain, Money, News, Politics, Random | Leave a comment

Crutchfield $20 coupon code

If you’re looking for a coupon code for Crutchfield, one of leading retailers for electronic products, use the coupon code below.  You’ll save $20 on your first order.  Just copy/paste the code into the applicable section of your shopping cart or give the code to the salesperson for an easy $20 savings.

pue6j-xdh31-tu2q8

November 15, 2008 Posted by | Animals, Barack Obama, Books, Cult, Current Events, Election 2008, Entertainment, Environment, Florida, Fun Stuff, Health, Helpful Resources, Humor, Iraq, John McCain, Letters to the Editor, Magazines, Military & War, Money, Movies, Music, News, News of the Wierd, Newspaper, Politics, Radio, Random, Religion, Rhode Island, Sarah Palin, Shopping, Sirius, Sirius Radio, Sports, Tampa Tribune, Television, Uncategorized, Utah, Utne, XM, XM Radio | Leave a comment

Pacific Coast Feather Company coupon code save 20%

Here’s a coupon code for Pacific Coast Feather Company for those of you who need it.  They offer a wide variety of down comforters, pillows, and feather beds.  This coupon is 20% off your next web purchase.

Code is: DOWNTWENTY

http://www.pacificcoast.com/

October 13, 2008 Posted by | Helpful Resources, Money, Random | 2 Comments

10 Things You Can Do Today To Improve Your Credit

Before you read this post, I want to recommend a great book that clearly explains (in simple language) how to improve your credit score. It’s called The Road to 850 (Proven Strategies for Increasing Your Credit Score) by Al Bingham. I recently attended one of his seminars then went home and bought the book. He really knows his business and the tips have been a wealth of knowledge and have greatly helped me improve my score. Please consider purchasing his book The small cost for the book will come back to you many times over with a better credit score. Amazon.com is the only place I know that sells it. Click the link or the book image to order it.

It’s really sad that about.com is more interested in driving traffic to their website in an effort to increase profits than allowing a blog to pass on some useful information to help people. The original post here was listed on the about.com website. LaToya Irby, the author of the original article sent me the following comment:

Hi! I appreciate your interest improving credit. However, this article is copyrighted and cannot be reproduced without permission from About.com. If you would like to purchase reprint rights, you can do so through advertise.about.com.

Threfore, this blog post has been changed to give credit to about.com and LaToya Irby for every tip listed. I’s unfortunate that a company can provide some good information but at the same time still care more about profits than anything else.

An about.com article I read authored by LaToya Irby said “blemished credit is both stressful and costly, but it’s not the end. As hopeless as the situation might seem, bad credit won’t last forever.” LaToya Irby says “there are things you can do right now to begin improve your credit score.” The tips listed below originally appeared on about.com. Each tip is given the proper source credit.

1. Stop using your credit cards
According to LaToya Irby on about.com, “in a bad credit situation, one of the worst things you can do is continue accumulating debt by making credit card purchases.” LaToya Irby says “put your credit cards away until you have more control of the situation.”

2. Get a copy of your credit report
According to LaToya Irby on about.com, “you can’t begin repairing your credit until you know exactly what you need to work on.” LaToya Irby’s advice is to “obtain a copy of your credit report from each of the three major credit bureaus to find out which accounts need work and which are just fine.”
How to Get a Free Credit Report

3. Clean up your credit report.
According toLaToya Irby on about.com, “if your credit report contains incorrect information, you have the right to have it removed. Your credit report will include information about disputing inaccurate information with the credit bureaus.”
How to Dispute Credit Report Entries

4. Get current on delinquent accounts
According to LaToya Irby on about.com, “your payment history makes up 35% of your credit score.” LaToya Irby says “getting current on your delinquent accounts will have a great impact on your credit.”
5 Principles of Making Credit Card Payments

5. Don’t put in any more credit applications
According to LaToya Irby on about.com, “as long as your credit is in repair mode, you should avoid making any more applications for credit.” LaToya Irby went on to say “it’s likely that you’ll get turned down for credit and the applications will only decrease your credit score.”
How Inquiries Affects Your Credit

6. Keep accounts with balances open
According to LaToya Irby on about.com, “you might be tempted to close out credit card accounts that have become delinquent, but wait. Before you close any account make sure it won’t negatively affect your credit.”
Five Credit Cards You Should Never Close

7. Call your creditors
According to LaToya Irby on about.com, “right now they’re certainly the last people you want to talk to, but you’d be surprised at the help you might receive. Talk to your creditors about your situation.” LaToya Irby said “many of them have temporary hardship programs that will reduce your monthly payments until you can get back on your feet.”

8. Pay off your debts
According to LaToya Irby on about.com, “you will have to start paying off your debts to improve your credit situation. If you don’t have the money on hand, sell some of your belongings to speed up the process.” LaToya Irby says “it will be a sacrifice, but the financial freedom you gain will be worth it.”
Making a Get-Out-Of-Debt Plan

9. Get professional help
According to LaToya Irby on about.com, “resources, like consumer credit counseling, are available to assist you. If you are overwhelmed by your credit situation, seek professional assistance. You can locate a credit counseling agency through the National Foundation for Credit Counseling“.
Credit Counseling Basics

10. Be patient
According to LaToya Irby on about.com, “your credit wasn’t damaged overnight, so don’t expect it to improve in that amount of time.” LaToya Irby says “continue paying your debts and over time you will see an improvement in your credit.”

February 19, 2008 Posted by | Helpful Resources, Money | | Leave a comment

15 Things That Hurt Your Credit Score

Before you read this post, I want to recommend a great book that clearly explains (in simple language) how to improve your credit score. It’s called The Road to 850 (Proven Strategies for Increasing Your Credit Score) by Al Bingham. I recently attended one of his seminars then went home and bought the book. He really knows his business and the tips have been a wealth of knowledge and have greatly helped me improve my score. Please consider purchasing his book The small cost for the book will come back to you many times over with a better credit score. Amazon.com is the only place I know that sells it. Click the link or the book image to order it.

It’s really sad that about.com is more interested in driving traffic to their website in an effort to increase profits than allowing a blog to pass on some useful information to help people. The original post here was listed on the about.com website. LaToya Irby, the author of the original article sent me the following comment:

Hi! I appreciate your interest improving credit. However, this article is copyrighted and cannot be reproduced without permission from About.com. If you would like to purchase reprint rights, you can do so through advertise.about.com.

Threfore, this blog post has been changed to give credit to about.com and LaToya Irby for every tip listed. I’s unfortunate that a company can provide some good information but at the same time still care more about profits than anything else.

An article I read on about.com said “Your credit score is an important number. It’s how creditor and lenders quickly decide if you are creditworthy.” The following tips were listed on the about.com website and authored by LaToya Irby. She said they can “hurt your credit score, so you can stay away from them.”

1. Paying late
According to LaToya Irby on about.com, “thirty-five percent of your credit score is your payment history. Consistently being late on your credit card payments will hurt your credit score.” Irby says you need to “pay your credit card bills on time to preserve your credit score.”

2. Not paying at all
According to LaToya Irby on about.com, “completely ignoring your credit cards bills is much worse than paying late.” Irby went on to say “each month you miss a credit card payment, you’re one month closer to having the account charged off.”

3. Having an account charged off
According to LaToya Irby on about.com, “when creditors think you’re not going to pay your credit card bills at all, they charge off your account.” Irby says “this account status is one of the worst things for your credit score.”

4. Having an account sent to collections
According to LaToya Irby on about.com, “creditors often use third-party debt collectors to try to collect payment from you. Creditors might send your account to collections before or after charging it off.” Irby says “A collection status shows that the creditor gave up trying to get payment from you and hired someone else to do it.”

5. Defaulting on a loan
According to LaToya Irby on about.com, “loan defaults are similar to credit card charge-offs. A default shows that you have not fulfilled your end of the loan contract.”

6. Filing bankruptcy
According to LaToya Irby on about.com, “bankruptcy will devastate your credit score.” They said “it’s a good idea to seek alternatives, like consumer credit counseling, before filing bankruptcy.”

7. Having your home foreclosed
According to LaToya Irby on about.com, “getting behind on your mortgage payments will lead your lender to foreclose on your home.” Irby went on to say “in turn, the late payments will hurt your credit score and make it harder to get approved for future mortgage loans.”

8. Getting a judgment
According to LaToya Irby on about.com, “a judgment shows you not only avoided your bills, the court had to get involved to make you pay the debt. While they both hurt your credit score, a paid judgment is better than an unpaid one.”

9. High credit card balances
According to LaToya Irby on about.com, “the second most important part of your credit score is level of debt, measured by credit utilization. Irby also says “having high credit card balances (relative to your credit limit) increases your credit utilization and decreases your credit score.”

10. Maxed out credit cards
According to LaToya Irby on about.com, “maxed out and over-the-limit credit card balances make your credit utilization 100%. This is least ideal for your credit score.”

11. Closing credit cards that still have balances
According to LaToya Irby on about.com, when you close a credit card that still has a balance, your credit limit drops to $0 while your balance remains.” Irby also says “this makes it look like you’ve maxed out your credit card, causing your score to drop.”

12. Closing old credit cards
According to LaToya Irby on about.com, “another component of your credit score, 15%, is the length of your credit history – longer credit histories are better.” Irby also said “closing old credit cards, especially your oldest card, makes your credit history seem shorter than it really is.”

13. Closing cards with available credit
According to LaToya Irby on about.com, “if you have several credit cards some with balances and some without, closing those credit cards without balances increases your credit utilization.”

14. Applying for several credit cards or loans
According to LaToya Irby on about.com, “credit inquiries account for 10% of your credit score.” LaToya Irby went on to say “Making several credit or loan applications within a short period of time will cause your credit score to drop. Keep applications to a minimum.”

15. Having only credit cards or only loans
According to LaToya Irby on about.com, “mix of credit is 10% of your credit. When you have only one type of credit account, either loans or credit cards, your credit score could be affected.” LaToya Irby says “this factor mostly comes into play when you don’t have much other credit information in your credit history.”

February 19, 2008 Posted by | Helpful Resources, Money | | 3 Comments

Smugmug $5 coupon code

I’ve tried trial versions of about a half-dozen photo sharing/storage sites and Smugmug is by far the best. There are numerous reasons why I love Smugmug which I’ve listed below. The age old saying is you get what you paid for. In the crowded field of online photo sharing services, Smugmug has been everything I’ve ever needed and then some.

If you want to try out the service free for 14-days and get $5 off a new membership, use this link: Sumgmug $5 coupon code

Hey, it’s free, and you don’t even need to provide a credit card. Why not give it a try?

Things I love about Smugmug and why I chose it over other competing services:

  • They allow you to try the service free for 14 days. You can try EVERY feature they offer without any restrictions
  • Your photos are safe and secure. They keep 4 backup copies of each photo in 3 states so you’ll always have access to them
  • You can lock galleries with passwords to keep them private
  • Smugmug doesn’t send you SPAM and there are NO ADS on the site
  • You can share your photos with friends & family without them having to register with Smugmug
  • A+ customer service. It’s fast, friendly, and professional
  • Basic account offers UNLIMITED storage
  • Prints can be ordered right from Smugmug. No need to get them ordered with a different company
  • Comments, tags, keywords, and compatibility with blogs and forums – very convenient!
  • Video clips are allowed with a Power User account
  • Very helpful and friendly forum called “Digital Grin” who can answer just about any photo related question you can think of
  • The company is FAMILY OWNED and not run by some internet conglomerate like Yahoo or Kodak
  • Company has always been profitable so there’s no risk of them going out of business then you lose all your files

January 25, 2008 Posted by | Entertainment, Money, Random | , | 1 Comment