Copy and paste it to share it with others. Tell your legislators that you want a consolidate loan plan of 5% simple interest to be equal up to 5 times your reported salary (not W2, but IRS 1040 Tax return). If your household income is $40,000 a year you will be able to get a loan up to $200,000. The main rule is that it must include your primary residence. It all will be secured by insurance to protect both sides (bank and individuals). This will release in most cases up to 32% of net cash that can be reinvested into the Economy thru savings, new assets, education, etc. The plan apply only to primary residences to start with and must include as much other debts as far you have the top cap $$$ available. Your credit report will start showing the Individuals credit cap in their reports. Loans above the cap are the risk of the creditor not the creditee (but can be insured too). This approach focuses on the value of our work and not the value of our assets. It will strength the US currency and stop speculation. But only we can be heard if this plan is shared with others. If you want the full sample, I will be more that happy to e-mail it to you.

What about something like this:
17.The Credit Card Risk Act will set parameters on what is a risk to be assumed by the cardholder and what portion of the risk is sole responsibility of the Credit Card Companies as follow:

a.Establishing the Credit Card Limit to an Annual Income Formula that considers all credit given to the consumer. The portion of credit given on top of that formula will be the Credit Company Card Risk Factor.
b.The interest will be regulated.
c.If the consumer files bankruptcy after 90 days of not paying their credit obligations, the Credit Company Card Risk Amount will be the only portion to be removed. The portion that was assumed by the consumer must be paid as set by court.
d.Payments can be suspended under circumstances out of control and resumed when the special circumstance ends. Any agreement to pay a lower proportional amount will not grant any interest accrual. The consumer cannot be granted additional credit unless prior debtors debt are satisfied or the margin of risk is favorable to the consumer to gain such credit.
All presented measures will reduce the dependency on credit by consumers and promote a healthy financial approach.

Tell your legislators (Economic committee) and thru "Tell your story", if you will be interested in a consolidate loan, set to a 5% simple interest that will be up to 5 times the total reported income you may have. That is, if your family income together is $40,000, your loan cap will be up to $200,000. The loan has to include the primary residence and other debts to be consolidated. There are more details on this idea but know we are just working "to test it" to see if it can be considered by either the ending Administration or the new one. Let me know if it will work for you. We believe this plan will let people release up to 32% of net cash to reinvest in the economy.

What do you believe about something like this?:
►The Credit Card Risk Act will set parameters on what is a risk to be assumed by the cardholder and what portion of the risk is sole responsibility of the Credit Card Companies as follow:

a.Establishing the Credit Card Limit to an Annual Income Formula that considers all credit given to the consumer. The portion of credit given on top of that formula will be the Credit Company Card Risk Factor.
b.The interest will be regulated.
c.If the consumer files bankruptcy... after 90 days of not paying their credit obligations, the Credit Company Card Risk Amount will be the only portion to be removed. The portion that was assumed by the consumer must be paid as set by court. However, the interest can be suspended if there is enough proof that the Credit Card Company did no efforts to collect the debt after 90 days of defaulted payments.
... The consumer cannot be granted additional credit unless prior debtors debt are satisfied or the margin of risk is favorable to the consumer to gain such credit.
All presented measures will reduce the dependency on credit by consumers and promote a healthy financial approach.

Tell your legislators (Economic committee) and thru "Tell your story", if you will be interested in a consolidate loan, set to a 5% simple interest that will be up to 5 times the total reported income you may have. That is, if your family income together is $40,000, your loan cap will be up to $200,000. The loan has to include the primary residence and other debts to be consolidated. There are more details on this idea but know we are just working "to test it" to see if it can be considered by either the ending Administration or the new one. Let me know if it will work for you. We believe this plan will let people release up to 32% of net cash to reinvest in the economy.

It is simple: If the value of my credit is based on the value of my work, the assets itself will never jeopardize my credit and will strength the dollar. We have been brainstorming this formula with other middle class workers and seem to work for all of us.

Federal government will backup banks that create a simple credit consolidating loan program. $1 they give $1 government will backup.
The ingredients are: 5 time annual reported salary, insurance on the principal, closing costs (insured) in a separate loan to be paid in 5 years, credit report showing my cap credit limit, and the understanding by creditors that any excess of credit given through that rule will increase the creditor liability. This will slow down the trend to "over credit" people.

There are more specific details on this, including interest rate, etc. that I can present in more detail on the road.

The New Capitalism has already born. The current financial crisis has open Americans eyes that are now looking for another way to measure stability, and wealth. The New Capitalism will require us to focus more on the value of the work other than the assets we posses. I will keep campaigning in this direction educating and spreading the voice that the value of the work (and the corresponding payment) must be the foundation to set credit, wealth and class level.____Under this approach, the credit limit to be set on a person credit report will be equal to 5 times the reported annual income. In my case 65,000 x 5 = 325,000. This will allow me to refinance my primary home along with another debts up to that level at a simple interest in blocks of 5 years. The protection that banks are looking for will be provided by insurance on the debt and it is part of other elements of the formula. This will release 32% of my spread debt by the conversion to a consolidate credit loan. I personally will be reinvesting such money on new assets (including a new car), savings, and improvements. My net cash will jump from this approach from $730 to a $1,980 monthly. This will allow the dollar to run again in the market. (See Next)__

The Universal Health Care must have an individual approach (Cost per person and not for groups).

I work for a Mental Health Institution and have a Mentally ill veteran brother as well. I believe a set of basic services must be set for the mentally ill population providing a path to an expanded individualized service. That will make sure that we don't drain resources from extensive costly services before applying basic approaches. At the same time, the basic services will be part of a uniform treatment plan allowing agencies to prepare an extended treatment plan for a more aggressive service approach.

It is important and urgent to unify forms and documents, unit of measure and rates using the same approach the IRS uses.

Use Veterans Budget to reimburse local hospitals and Mental Health facilities for services not provided on VA Clinics instead of building new VA hospitals where existing local hospitals meet standards. Veterans must be included in other rehabilitation programs and outpatient groups to help them regain confidence in themselves.

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