Marco Rubio: Scandal For GOP Star
We knew it was just a matter or time, but less than a week? Hell no. The Rubio Effect from CPAC is still .. hot! Isn’t it?
As we went down the list of GOP 2012 hopefuls, Ron Paul was not on the short list but Marco Rubio was. After his “Obama 2004 convention” type moment at CPAC, we joked about how Rubio is their only hope for 2012. He’s a relatively unknown squeaky clean Cuba American. Just what the GOP needed. An ethnic with a great smile. What a find and Mitt’s smile was getting old. After we pinned Rubio the new 2012 poster child we kiddingly said, knowing the scandalous GOP track record, it only be a matter of time before some do-do hits the new kid of the Tea Bagging GOP.
We had no idea that would happen in less than a week after CPAC.
Marco Rubio released a crazy nuts letter accusing Gov. Charlie Crist’s campaign of leaking Rubio’s state Republican Party American Express statements showing nearly $110,000 in charges over 25 months.
Rubio also justifies the charges as legitimate travel to promote the Republican Party of Florida, help Republican candidates and participate in county party fundraisers around the state.
“It is clear these internal documents were taken from the RPOF by former Chairman Jim Greer, or someone working for him, and were leaked to the media by the Crist Campaign,” Rubio wrote to Chairman John Thrasher.
Rubio pointed out only top party officials had access to the statements and noted Greer was picked by Crist to run the party. Crist, who says he never carried a party charge card, has previously said the statements should be released.
IYFR: Paying for extravagant stuff on the people’s dime? Like we did with Sara Palin, we thank you Marco Rubio.
The GOP never fails to deliver!
Democrat Rep. Anthony Weiner Getting Real On Republicans
Rep. Anthony Weiner (D-NY 9th District) rips republicans a new one!
FINALLY!
SCOTT BROWN: RINO!
Well .. well. Seems Cosmo Scotty is a republican in name only. Why not, they have the cash.
**FYI: to the “Ha Ha a conservative took liberal Ted’s place. That’ll show you” ‘ crowd. Guess what? Brown’s always been a RINO. How do we know. We know and not for just his COSMO stint, which was fine by us. No! No matter what he said to dupe the right, Brown has always been … PRO CHOICE! You heard that right. Brown is PRO CHOICE.
For all of Brown’s conservative bravado, and because her voted YES for Obama’s jobs bill, the wing nuts want to eviscerate him! Go for it.
Heck, who know how Uncle Ted would have voted but apparently we have a friend in Scott Brown – Senator from Mass! And he’s still nice to look at.
Brown/Palin 2012!
Q: Is Cheney Dead Yet?
Former vice president Dick Cheney ( Dick Hitler to us) was hospitalized after experiencing chest pains Monday.
Cheney assistant Peter Long issued a statement that the 69-year-old Cheney was resting comfortably at George Washington University Hospital and his doctors were evaluating the situation.
“The DICK” Cheney has a history of heart problems, including four heart attacks starting at age 37.
When doctors rule out an immediate heart attack, the next step in evaluating chest pain usually is an X-ray exam called an angiogram to help uncover the cause. Doctors inject a dye that will highlight narrowed arteries leading to the heart.
IYFR – Many questions need asking:
1. Is George Washington University Hospital private or public? Is this a SOCIALIST situation
we’re dealing with here? Are we footing the bill?
2. Is his Dr. an ex-Iraqi refugee liberal, who lost everything in the war?
3. Is it too soon to start planning the “I Spit On Your Grave” Tour?
4. What heart?
Bernie Kerik Sentenced To Four Years In Prison
Former New York City police Commissioner Bernard Kerik, who was hailed as a hero after the Sept. 11 terror attacks and nearly became chief of Homeland Security, was sentenced Thursday to four years in federal prison.
District Judge Stephen Robinson went well beyond federal sentencing guidelines, which suggested 27 to 33 months. He said the guidelines do not take into account “the almost operatic proportions of this case.”
The judge said that after 9/11, Kerik “in many ways acted in the highest tradition of a public servant.” But then, he added, “The fact that Mr. Kerik would use that event for personal gain and aggrandizement is a dark place in the soul for me.”
He said some of the crimes were committed while Kerik was “the chief law enforcement officer for the biggest and grandest city this nation has.”
U.S. Attorney Preet Bharara said, “It is a very sad day when the former commissioner of the greatest police department in the world is sentenced to prison for base criminal conduct.”
Kerik, a protege of former Mayor Rudolph Giuliani, pleaded guilty in November to eight felonies, including tax fraud and lying to the White House while being vetted for the Homeland Security post in 2004.
February 22 – New Credit Card Laws Take Effect
From the Frank Factor
Over-limit fees require consumer’s consent.
Wording on this is somewhat vague. It is my understanding that all cards go to
“no over-limit ability” (card will be declined if purchase would put it
over limit) and if consumer wants the “privilege of going over limit”
they will need to specifically request it. Expect banks to market this
as a feature (“oops card declined how embarrassing”). However due to
the vague wording (might only apply to new accounts, or “acceptance of
terms” might be sufficient to be consumer agreement) if you don’t
want to ever get an over-limit fee (card declined instead) then you may
want to contact CC issuer to verify you are opted-out.
“Extra” payments apply towards higher interest rate balances.
This affects card that have balances under two different rates (example $1000
in cash advance at 24.9% and $5000 in purchases at 17.8%) or
promotional balances ($5000 at 0.99% APR for 1 year, all new purchases
at 15.9% APR). Currently most credit providers apply payments to lowest
interest rate balance thus maximizing the amount of interest paid. Of
course Congress had to make it difficult. The whole payment doesn’t
apply to highest interest rate. New rules will apply “extra” payments
to higher balances first. Minimum payment can still be applied at CC
discretion (which likely means lowest apr) however any “extra” payment
must go to highest balance. For example: $5000 at 0.99% and $5000 at
15.9% APR. Minimum payment is $120. You make a $500 payment = $380
extra. The CC company will likely apply the $120 to the 0.99% balance
however at a minimum the $380 must go to highest APR (15.9% in this
case). CC companies CAN apply whole payment to highest balance (my USAA
cc terms this) but at a minimum “extra” payment must go to highest APR.
Your due date must now be on the same calendar date every month (example:
Jan 12th, Feb 12th, Mar 12th).
This means you can schedule payments each month knowing exactly when your bill needs to be paid.
Bills cannot be made to run every 28 or 30 days (which result in varying
due dates because of changing number of days in that month). If due
date falls on weekends or holidays banks can still require payment on
last business day prior to due date.
Interest rate must stay at opening rate for 12 months. No more 0% for 3 months “deals”.
Even if a consumer’s rates are raised after 12 months, the increased rate
only applies to new purchases – not the balance accrued in the first 12
months. There are a few exceptions that allow a rate increase such as a
60-day delinquency on the account, a variable rate, the completion of a
workout plan or temporary hardship arrangement, or an expiration of a
specified period of time. Even variable rates must follow a schedule
such as prime not arbitrary changes by CC company. For example if your
card is 5% + prime your card rate will only change (up or down) when
prime rate changes.
Statements must be mailed at least 21 days ahead of when they are due.
Currently there is no statute requirement and some banks send statements as little as 13 days before
due date (even less time when you consider shipping time). This provides
you with more time between when you receive your statement and when
your bill is due. I would still recommend online bills & billpay so
you get earlier notification.
Changes to the terms of your credit card must be given 45 days prior to the change taking affect.
Currently credit card companies are only required to give 15 days notice prior to
making certain term changes.
You can “opt-out” of any card within 30 days if you don’t like the change in terms made by your credit
card company
If credit card company changes terms (rate increase, limit decrease, annual fee, etc) you opt-out and your card
will be closed however bank must provide options for paying off balance
under terms in effect prior to opting out. Minimum repayment time is 5
years. For example: you have a 9.99% card with hefty balance on it
($10,000) bank ups interest rate to 24.99% and adds $199 annual fee.
You can opt out. You will no longer be able to use card however bank
must honor the 9.99% and arrange payment plans (min payment) that will
result in repayment in 5 years (or your current min payment if more).
Bank has the option of using a min payment amount (say 3% of balance)
that decreases as balance decreases or amortize the amount (equal
payments over 5 years). Amortized results in lower payments on balance
but the payment doesn’t decrease like min payment method. Wording of
bill if vague on if CC will be required to provide both options.
Bans “universal defaults”.
Other accounts can’t be used as the basis for declaring account “delinquent”. Missing payment on another account,
utility, medical bill etc cannot put your account into default. Each
account is to be treated separately. As long as you meet terms of your
credit card agreement that account can’t be put into default. Obviously
missing payments on other accounts will affect the account where
payments are missed however there is no longer a “roll over” effect.
The original APR must be restored after 6 consecutive on time payments
after APR is increased due to delinquency.
Under new statutes the interest rate can be increased if you are delinquent on account for 60
days however after 6 consecutive on time payments account must be
restored to original APR. “on time payments” requires that you meet all
terms of card account (due date, min payment, not going over limit,
etc).
Want the original source? Here is the bill’s text:
http://www.govtrack.us/congress/billtext.xpd?bill=h111-…
Frustrated Owner Bulldozes Home Ahead Of Foreclosure
Like many people, Terry Hoskins has had troubles with his bank. But his solution to foreclosure might be unique.
Hoskins saidhe’s been in a struggle with RiverHills Bank over his Clermont County home for nearly a decade, a struggle that was coming to an end as the bank began foreclosure proceedings on his $350,000 home.
“When I see I owe $160,000 on a home valued at $350,000, and someone decides they want to take it – no, I wasn’t going to stand for that, so I took it down,” Hoskins said.
Hoskins said the Internal Revenue Service placed liens on his carpet store and commercial property on state Route 125 after his brother, a one-time business partner, sued him.
The bank claimed his home as collateral, Hoskins said, and went after both his residential and commercial properties.
Hoskins said he’d gotten a $170,000 offer from someone to pay off the house, but the bank refused, saying they could get more from selling it in foreclosure.
Hoskins told News 5’s Courtis Fuller that he issued the bank an ultimatum.
“I’ll tear it down before I let you take it,” Hoskins told them.
And that’s exactly what Hoskins did.
Man Says Actions Intended To Send Message To Banks
The Moscow man used a bulldozer two weeks ago to level the home he’d built, and the sprawling country home is now rubble, buried under a coating of snow.
“As far as what the bank is going to get, I plan on giving them back what was on this hill exactly (as) it was,” Hoskins said. “I brought it out of the ground and I plan on putting it back in the ground.”
Hoskins’ business in Amelia is scheduled to go up for auction on March 2, and he told Fuller he’s considering leveling that building, too.
RiverHills Bank declined to comment on the situation, but Hoskins said his actions were intended to send a message.
“Well, to probably make banks think twice before they try to take someone’s home, and if they are going to take it wrongly, the end result will be them tearing their house down like I did mine,” Hoskins said.
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