Peeved!

So, how many of you have credit cards? How many of you carry a balance on your credit cards? How many of you have seen an increase in your monthly APR? Not one, but two of my cards have gone up to 14.99%. Really. Actually, we got a notice on our Bank of America card that was 8.9% and was going to increase to 14.99% if we did not call before a certain date. So, that one technically didn't change. The other credit card that did go up from 6.9% to 14.99% was Citibank. We did not receive a notice in the mail, but they claim to have sent them out in November. So, that card has more than doubled in interest. Citibank will not lower our monthly percent back because we didn't call before the date given.

Who in their right mind would want their interest rate to go up so they could pay the bank, that received bailout money, more money because they are greedy? Yes, 116 banks received money from the Obama plan to help out the banks. The banks then turn around and stick it people who are in good standing and have not defaulted on any payments. The banks are going to get their money, but why do they need to hurt tax paying Americans, in tough times, just because they are getting greedy? Isn't this why they had to get bailed out in the first place, because of greed?

Obama is going to meet with four or so banks that took bailout money. I hope that since he is the one that bailed the banks out with his step in good faith with the banking community he makes the banks go back to the original percentage rates that people signed up under. I totally agree with the banks who go after people who don't pay on time, but not the ones who have done no wrong.

I know that when these two cards get paid off, we will no longer be doing business with Bank of America or Citibank. Both of these banks have taken bailout money because they needed help. But look at these banks stick it to hard working Americans who are in hard times, but are still getting their money, I might add, I just don't get it.

Something We Should All Think About......

When Did It Change?
By: Jennifer Hansen

When did people start caring more about the world than being God fearing followers of Jesus Christ? I read a blog that had a video on it that basically said they wanted to teach their children how to respect and save the earth and that was their reason for voting for Barack Obama. Really that is what you want to teach your kids? I want to teach my kids to love God and know what being a Christian is.

After hearing that, I am just wondering what happened to the people who are God fearing people and want their children to know that too. We need people who believe that marriage is between one man and one woman and people who believe that killing a life by abortion is more wrong than not “going green”. This world will not be here forever. Anyone who has read the Bible knows this world is not our home. This is not the place we should be living for; heaven is the place we ultimately should care about.

This election should not be based on Democrat or Republican, black or white, male or female, rich or poor, but it is. It should be about what is right and wrong. It should be, how would our Lord vote if he were voting? Do you want to legalize abortion and gay/lesbian marriage? The Bible says, “He who created them from the beginning made them male and female, and said, for this cause a man shall leave his father and mother and shall cleave to his wife, and the two shall become one flesh." (Matt. 19:4, 5) Even if you would not get an abortion, but still think that it is okay to have the right to do so, in my opinion, you are just as guilty by voting that “right” into law. The bible says abortion is wrong. “Thou shall not murder.” (Exodus 20:13) It’s one of the Ten Commandments. Why don’t we want to teach our children those values instead? I am not saying that it is wrong to recycle, eat organic food or “go green” by using different light bulbs or using recycled bags for your groceries, but these issues are not what we will be judged for in the end by God.

What happened to people’s morals and values? I know that the people of this country have nominated two potential presidents, but now we need to vote for the lesser of the two evils. Keep your Christianity and morals of right and wrong when voting. Don’t let the new popular trend blur your view on what we need to teach our children. We will be answering to the Lord for decisions we make on this earth, don’t we want to make a smart decision that our God can be proud of?

This message was not approved by Barack Obama or John McCain, but I know that my Lord and Savior, Jesus Christ, would approve this message.

Why I'm Voting Republican

Only the facts.

2008 PRESIDENTIAL CANDIDATE COMPARISON ISSUE

Favors new drilling offshore US

McCain-Yes

Obama-No

Will appoint judges who interpret the law, not make it

McCain-Yes

Obama-No

Served in the US Armed Forces
McCain-Yes

Obama-No

Amount of time served in the US Senate
McCain-22 YEARS

Obama-173 DAYS

Will institute a socialized national health care plan
McCain-No

Obama-Yes

Supports abortion throughout the pregnancy
McCain-No

Obama-Yes

Would pull troops out of Iraq immediately
McCain-No

Obama-Yes

Supports gun ownership rights
McCain-Yes

Obama-No

Supports homosexual marriage
McCain-No

Obama-Yes

Proposed programs will mean a huge tax increase
McCain-No

Obama-Yes

Voted against making English the official language
McCain-No

Obama-Yes

Voted to give Social Security benefits to illegals
McCain-No

Obama-Yes

CAPITAL GAINS TAX
MCCAIN
0% on home sales up to $500,000 per home (couples). McCain does not propose any change in existing home sales income tax.

OBAMA
28% on profit from ALL home sales. (How does this affect you? If you sell your home and make a profit, you will pay 28% of your gain on taxes. If you are heading toward retirement and would like to down-size your home or move into a retirement community, 28% of the money you make from your home will go to taxes. This proposal will adversely affect the elderly who are counting on the income from their homes as part of their retirement income.)

DIVIDEND TAX
MCCAIN
15% (no change)

OBAMA
39.6% - (How will this affect you? If you have any money invested in stock market, IRA, mutual funds, college funds, life insurance, retirement accounts, or anything that pays or reinvests dividends, you will now be paying nearly 40% of the money earned on taxes if Obama becomes president. The experts predict that 'Higher tax rates on dividends and capital gains would crash the stock market, yet do absolutely nothing to cut the deficit.')

INCOME TAX
MCCAIN
(no changes)
Single making 30K - tax $4,500

Single making 50K - tax $12,500

Single making 75K - tax $18,750

Married making 60K- tax $9,000

Married making 75K - tax $18,750

Married making 125K - tax $31,250

OBAMA (reversion to pre-Bush tax cuts)
Single making 30K - tax $8,400

Single making 50K - tax $14,000

Single making 75K - tax $23,250

Married making 60K - tax $16,800

Married making 75K - tax $21,000

Married making 125K - tax $38,750

INHERITANCE TAX
MCCAIN
- 0% (No change, Bush repealed this tax)

OBAMA
Restore the inheritance tax . How does it affect you? 50% taxes on your estate after you die. The family farm will have to be divided in half to pay this tax.
The largest transfer of wealth will be in the next 20-30 years. $40-50 Trillion dollars is expected to change hands.

NEW TAXES PROPOSED BY OBAMA
New government taxes proposed on homes that are more than 2400 square feet. New gasoline taxes, New taxes on natural resources consumption (heating gas, water, electricity) New taxes on retirement accounts, New taxes to pay for socialized medicine.

You can verify the above at the following web sites:
http://money.cnn.com/news/specials/election/2008/index.html
http://www.cnn.com/ELECTION/2008/issues/issues.taxes.htmlhttp://elections.foxnews.com/?s=proposed+taxes
http://bulletin.aarp.org/yourworld/politics/articles/mccain_obama_offer_different_visions_on_taxes.html%A0http://blog.washingtonpost.com/fact-checker/candidates/barack_obama/
http://blog.washingtonpost.com/fact-checker/candidates/john_mccain/