Somebody has to protect consumers, not just from Wall Street but protect them from Washington as well. And the Consumer Financial Protection Bureau has hurt consumers. Free checking at banks has been cut in half. Banking fees have gone up. Working people are finding it more difficult to get mortgages.
The bottom line is the best consumer protection are competitive, innovative markets that are transparent.
Yes, it’s true that some working people are having a hard time finding mortgages, but it’s not because mortgage markets aren’t transparent, competitive, or innovative. It’s because those working people are not making enough money to afford the house they want, or have poor credit histories. Free checking isn’t available as much any more because banks are no longer allowed to make up the costs of the free checking by charging exorbitant overdraft fees. In other words, the CPFB is doing exactly what it’s chartered to do – protect consumers from predatory banks and bankers. Continue reading →
Donald lost tonight, and every time he’s lost he’s gone on Twitter or stood before an audience to rant against whoever was responsible for his loss. I anticipate that Donald will attack the media again for reporting the facts about Flynn and his Russia contacts. And I expect he’ll instruct his new Attorney General to figure out who in the FBI was investigating Flynn, and who leaked the information that Flynn was being investigated….
I don’t know about anyone else, but if I found out my National Security Advisor had been lying to me and was susceptible to blackmail by foreign powers as a result of it, I’d have fired him almost immediately, not waited two weeks until the media broke the story and forced my hand. Because, you know, national security. But maybe that’s because I take stuff like this seriously, rather than treating the Presidency like a business investment. Continue reading →
Donald doesn’t lose well. I doubt he’ll ignore the role of the media and FBI leaks in Flynn’s resignation
Michael Flynn (image credit: Politico)
Michael Flynn, Donald’s now former National Security Advisor, resigned from his position this evening. In a statement, Flynn said he “misled” Vice-President Pence about a phone call Flynn had with the Russian Ambassador to the United States in which the two discussed having Donald lift sanctions imposed on Russia after the invasion and annexation of Crimea.
Flynn’s contacts with Russia had been under investigation by the Justice Department since Donald took office, if not before then, and the fact that Flynn was being investigated had been widely reported in the media. In fact, the Washington Post reported just tonight that the FBI considered Flynn a blackmail risk due to his lying to Pence.
Today a three judge panel from the 9th Circuit Court of Appeals ruled unanimously that they would not overturn the injunction blocking most of Donald’s immigration and travel ban Executive Order. I read the entire ruling, and I’ve extracted several key or amusing quotes from it below. Many of these were quotes that I posted first on Facebook, but I wanted to collect them all in one place.
Dear Senators Lisa Murkowski (R-Alaska) and Susan Collins (R-Maine),
On February 1st, you both announced that you could not vote to confirm Betsy DeVos as Secretary of the Department of Education. As a result, your majority leader, Senator Mitch McConnell, was forced to hold the DeVos vote while Jefferson Sessions was still the senior senator from Alabama. If the vote had been held after Sessions was confirmed and had resigned the Senate, but before his replacement could be named to the Senate, then the Senate would have had one fewer Republican senator. Instead of a 51-50 vote to confirm Secretary DeVos with Vice-President Pence casting the deciding vote, we would have had a 50-49 vote not to confirm without the need for a tie-breaker. I imagine that it would have been easy enough to convince the majority leader to vote on Sessions prior to DeVos, especially given the recent legal wrangling over the President’s Executive Orders.
Liberals should talk about our values. And we should start with fairness.
Equity is another word for fairness (image credit: King County)
Over the last few years, I’ve read liberals saying that we need to talk about our values more openly, to own them, to assert that they are just as much American values as conservative values are. But I’ve never been comfortable talking about my values. Partly that’s because I’m an introvert. Partly because sharing such important stuff about myself feels a bit like everyone’s nightmare of showing up to give a presentation and realizing you’re naked before the crowd. And partly it’s because some of my values have shifted over the years as I’ve matured and experienced more of life, and I’m sure that some of them will shift again in the future.
But since Donald’s election I’ve been thinking about my values a lot. I’ve already chosen to fight for my values via my writing, and I’m prepared to fight for my values by putting my personal safety on the line if need be. So I figured that, if I’m going to be willing to risk my career or my physical well-being, I’d better be damned sure I know what my values are.
After a great deal of thought, I’ve finally realized what my core value is. The one value that matters more to me than any other. The one value against which all my other values are weighed, and from which most of my values spring. The one value with which I weigh the character of everyone I encounter.
To give you some idea of how dark my thoughts have become since Donald took over (in case worrying about being nuked in my sleep wasn’t bad enough), on the way home from skiing today I found myself wondering if Donald would send law enforcement/thugs to threaten the judges on the 9th Circuit in order to get them to rule in his favor. Continue reading →
Do you agree with the majority of Americans that gun control is both right and appropriate?
U.S. Marines fire an MK19-3 40 mm grenade machine gun at Range K-211 during weapons training in Marine Corps Base Camp Lejeune, N.C., June 6, 2008. The Marines are assigned to Charlie Company, Infantry Training Battalion, School of Infantry-East. (U.S. Marine Corps photo by Pfc. Maxton G. Musselman/Released)
My very own Daisy moment, courtesy of Donald Trump’s first 12 days in office
From Lydon Johnson’s “Daisy” ad (image credit: Smithsonian Magazine)
Donald Trump was sworn in on January 20, 2017. Today is February 1. In that period, I’ve fallen asleep twice wondering if I’d wake up to a bright flash followed by a shock wave that turned my home to burning splinters around me and my sleeping family.
I’ve started wondering if this is what it was like for my parents, learning as children to “duck and cover” under their desks in the event of a nuclear attack. Whether this level of daily stress was normal during the Cuban Missile Crisis and other low points of the Cold War. They’re still alive – maybe I should ask them. Perhaps their perspective could help allay some of my fears. Then again, do I really want to know that they think “it’s worse now than it was then,” if in fact that’s what they think? Continue reading →
We will need protest songs for Donald’s presidency, but listening to Seamus Kennedy’s folk songs of conflict and immigration on the drive home yesterday was a good start.
My family and I went skiing yesterday. On the way home, we listened to a lot of wonderful music by Seamus Kennedy. As is his style, it was a mix of jokes, traditional folk music, Scottish and Irish ballads, and irreverent musical humor. Two of the songs had me softly crying while driving home, and I had to ask my wife to skip a third (and to be prepared to skip another). The songs were about immigrants and conflict and families torn apart.
I’ve collected those songs and a couple of others I heard yesterday below, in case anyone is interested. Continue reading →
We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.–That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed,…
Equality. The concept of natural human rights. The rights of life, liberty, and the pursuit of happiness (among others). The concept that the people have a say in their government. These are the American values defined by the Declaration of Independence. Continue reading →
The sooner the New York Times realizes it needs to identify the Administration’s lies as “lies” in print, the better
The New York Times‘ Jim Rutenberg, author of the Mediator blog, wrote a post yesterday titled “‘Alternative Facts’ and the Costs of Trump-Branded Reality.” The article focused on how Sean Spicer, Donald’s Press Secretary, and Kellyanne Conway, Donald’s spokeswoman, have already engaged in an “aggressive use of falsehoods” and that attacking the media might not serve the administration’s long-term goals. Continue reading →
This morning I had some spam hit my email that I very nearly didn’t delete. I stopped, read it, nearly pulled it out of my spam trap, but ultimately deleted it. It belonged in my spam because I didn’t ask for it. But it was about something that I’m interested in, and I was surprised by the fact that I was actually interested in it.
It was a call to an Affordable Care Act support march in Denver. And the fact that I paused to consider marching myself is what surprised me. Continue reading →
Comparison of Inauguration crowds, 2009 to 2017 (Image Credit: PBS)
This is according to Politico, but its hardly the only source:
President Donald Trump and his team are still fuming over evidence of a relatively small crowd for his inauguration, with his chief of staff claiming the reports are an effort to “de-legitimize” Trump and another senior adviser explaining that the administration is offering “alternative facts.”
There’s an old phrase that comes from the 1800s – “keep your powder dry.” It harks back to a time when firearms were fired with black gunpowder, and wet gunpowder wouldn’t fire. The idea was that you wouldn’t be able to use your gun when you really needed it if you let the powder get wet.
Since the election of Donald Trump to be the next President of the United States, I’ve been very busy with work and family, and I’ve been largely focused on what amounts to self-care for my mental and physical health. After all, I’m no good to my family, friends, or coworkers if I’m always fried, mentally and/or physically. And I haven’t been writing much.
Reality has facts, however poorly we see them sometimes. Reaching out to understand someone else’s experience requires common ground, and for me, that common ground must be based upon a shared understanding of objective facts.
A couple of weeks ago, I wrote an article about how I was living in a bubble that distorted my perspective on America. The point was that, while I’m living in a bubble, I’m hardly the only one, and I gave an example of a grandfather from Vigo County, Indiana, who felt that his America was populated by “real people,” as opposed to the presumably fake or inauthentic people in New York City, Los Angeles, or Chicago. But after reading several excellent comments on that article that provided suggestions how to reach people – listen, talk with instead of at, stop dismissing, denigrating, and demonizing – I realized that there is a limit to my ability, even to my willingness, to reach out and have a meaningful discussion.
Facts. They exist. And they’re a non-negotiable entry point for any bubble-piercing attempts I’m going to be involved in.