Archive for June 22nd, 2006
Check out the weekly online video by Paul James, the Garden Guy, on HGTV. This is a must for all you backyard gardeners. This week’s video covers must-have garden tools including the Ergonomic Hand Trowel, the Double Digger and the Electric Bulb Auger. Gardening has never been so easy and fun.
This is the first-ever trowel that relies on pulling action–a great design that gives you more power with less effort, minimizing muscle and join strain. Great for weeding, aerating and amending soil. Easy, fold-away handle for convenient, compact storage. Heavy-duty stainless-steel with molded rubberized handles and wrist support.
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The latest installment on socialism in the Buffalo News, ASSEMBLY TARGETS BUSINESSES THAT PREY ON WORKING POOR, has politicians like Paul Tokasz and Crystal Peoples advocating more government regulations and more money being thrown at a problem created by the government.
Re-examine the state’s 1986 rent-to-own law that, in effect, lets the industry set its own prices. Tokasz notes “many things have changed in society in the last 20 years,” and that law may have to change, too.
No has a gun to any-one’s head forcing them into a rent-to-own store. The Constitution never meant for the passage of laws to protect people from themselves. It takes away the incentive for personal responsibility and self-reliance. Fool me once, shame on you . . Fool me twice, shame on me. The government thinks it can stop people from being fooled, it just turns them into bigger fools.
Increase the state Banking Department budget to beef up enforcement against stores running illegal check-cashing operations, and give the department clear authority to go after violators.
People do this to themselves. If a person goes to a local store to cash a check, they have made the decision to do so. I’m sure some of these stores have been burned pretty good by bad checks. They don’t have the computerized resources of banks to verify the validity of checks.
Revisit the state’s predatory lending law - enacted just three years ago - to see if stronger measures are needed to protect consumers from inordinately high mortgage interest and fees.
The interest rates are based on risk, much like insurance policies. A change in the laws will only result in people who have the capability of responsibly using credit at a higher rate to rebuild their credit worthiness being denied the opportunity. AGAIN, stop trying to protect people from themselves . . .IT DOES NOT WORK!
For those with a history of bouncing checks, some banks offer remedial accounts. “These are people we wouldn’t otherwise be able to open an account for,” said Gary Quenneville, senior vice president and head of Western New York retail banking for KeyBank.
This is a common sense, free-market response to the problem. Some banks have identified a need and cultivated it, without government arm-twisting and interference.
