Tenaj's Blog

I was reading the old blogs and opinions of the Fair Tax that went back to 2006 and I was wondering if the same opinions still stand since so much has happened since then.  I don't think the threat of one world government and big brother taking away so many of our American rights were so much threatening then.

My opinion is having the government totally monitor everything you spend is scary to me.  It sounds good but have total control written all over it to me.

No income tax

a kind of rebate check every year

only tax is when you spend

no payroll deductions

23% tax on everything you spend

Just want to know if the opinions are still the same as when it was talked about a great deal in these blogs back in 2006.

Last Edited: July 16, 2011, 8:03 am

Really learn Spanish FOR FREE. REALLY FREE....VIDEO LESSONS Where you practice speaking it aloud everyday but it takes sincere dedication.  In one year you can be reading and speaking Spanish. 

I know a website you can do just that.  No gimmicks or anything.  This husband and wife team want to give the world this.  I've started it but have a lot of catching up to do, but I'm doing it.

It's www.lacasarojas.com  .  This dude and his wife is serious about this thang.  Check it out.

Last Edited: April 9, 2010, 6:12 am

I should have beaten my kids down.  This is your chance mothers.  Don't spoil them, whip their arses. Don't send them to school, college or pray for them.  Don't go to church with them.  Don't try to teach them anything.  Just whip their arses.  

Then when they grow up to be adults and forget all you have done for them then at least you can say you WHUPPED THAT ARSE.lol

Last Edited: February 27, 2010, 10:45 am

GodKnows The Score!

Have you ever been caught in a web you didn't weave,

Involved in conditions that are hard to believe?

Have you felt you must speak and explain or deny

A story that's groundless or a small, whisperedlie?

Have you ever heard rumors you would like to refute

Or some telltale gossip you would like to dispute?

Well, don't be upset for God knows the score

And with God as your judge you need worry no more,

For men may misjudge you but God's verdict is fair.

For He looks deep inside and He is clearly aware

Of every small detail in your pattern of living

And always He's lenient and fair and forgiving—

And knowing that God is your judge and your jury

Frees you completely from man's falseness and fury,

And secure in this knowledge let your thoughtsrise above

Man's small, shallow judgements that are so emptyof

God's goodness and Greatness in judging all men.

Helen Steiner Rice

If you are thinking about doing Black Friday Dirty Secrets about Black Friday or any other big sale for that matter .  It's not about getting stampeed or killed either.LOL

Today is my birthday.  Happy Birthday to me!  I will have dinner at Nakato's Japanese restaurant.  I am having a good day.

I'm on a Spanish kick lately.  I'm on a mission to learn how to hold a conversation in Spanish.  At least get the main 2500 words and phrases used mainly under my belt.  And to know what the heck someone is asking me at work.  Most people that i come in contact with at work are Hispanic.  Try asking someone how old they are or write you name, address and phone # when they don't speak English.  So I learned to say Cuantos anos tienes and the other questions that i need to know to function.  The translators are not always there when you need them.  But this song was so much fun learning and it's funny too. 

don't remembro how to say eleven

Anybody know how to make a visual basic exe program web based?  Any suggestions to how I can do it.  I have no program experience except a little html.  Is there any program out there that can take a novice and walk them through it.  I have the dll and ocx files.

Last Edited: June 2, 2009, 9:41 pm

Published - May 19 2009 07:27PM EDT

By ANNE FLAHERTY - Associated Press Writer

The Senate voted overwhelmingly on Tuesday to rein in credit card rate increases and excessive fees, hoping to give voters some breathing room amid a recession that has left hundreds of thousands of Americans jobless or facing foreclosure.

The House was on track to pass the measure as early as Wednesday, paving the way for President Barack Obama to see the bill on his desk by week's end.

"This is a victory for every American consumer who has ever suffered at the hands of a credit card company," said Sen. Christopher Dodd, D-Conn., chairman of the Banking Committee. The bill passed the Senate 90-5.

If enacted into law as expected, the bill would give the credit card industry nine months to change the way it does business: Lenders would have to post their credit card agreements on the Internet and let customers pay their bills online or by phone without an added fee. They'd also have to give consumers a chance to spare themselves from over-the-limit fees and provide 45 days notice and an explanation before interest rates are increased.

Some of these changes are already on track to take effect in July 2010, under new rules being imposed by the Federal Reserve. But the Senate bill would put these changes into law and go further in restricting the types of bank fees and who can get a card.

For example, the Senate bill requires those under 21 who seek a credit card to prove first that they can repay the money or that a parent or guardian is willing to pay off their debt if they default.

Bankers warned the measure would restrict credit at a time when Americans need it most. They defended their existing interest rates and fees on grounds that their business _ lending money to consumers with no collateral and little more than a promise to pay it back _ is very risky.

"What has been a short-term revolving unsecured loan will now become a medium-term unsecured loan, which is significantly more risky," said Edward Yingling, president and CEO of the American Bankers Association.

"It is a fundamental rule of lending that an increase in risk means that less credit will be available and that the credit that is available will often have a higher interest rate," Yingling added.

Voting against the Senate measure were GOP Sens. Lamar Alexander of Tennessee, Robert Bennett of Utah, Jon Kyl of Arizona and John Thune of South Dakota, as well as Democratic Sen. Tim Johnson of South Dakota.

But other senators didn't want to face voters in the 2010 election without proof that they are listening to constituents crushed by foreclosure rates and joblessness. Recent reports show that the number of foreclosures jumped 32 percent in April compared with the same month last year, while the jobless rate that month rose to 8.9 percent.

The legislation would not cap interest rates as some lawmakers had hoped. It also wouldn't prevent lenders from finding new ways to drain customers' bank accounts or keep consumers from spending money they don't have.

But it would give spenders more flexibility and outlaw many of the surprise costs associated with credit cards at a time when money is tight in most households. For example, under the bill, a cardholder would have to opt to be allowed to go over a credit limit. If customers don't agree and the bank authorizes a charge that would push them over their limit, the lender couldn't levy an over-limit fee.

Another boon for consumers is limiting a practice known as "universal default," when a lender sharply increases a cardholder's interest rate on an existing balance because the customer is late paying that bill or other, unrelated bills. Under the new legislation, a customer would have to be more than 60 days behind on a payment before seeing a rate increase on an existing balance.

Even then, the credit card company would be required to restore the previous, lower rate after six months if the cardholder pays the minimum balance on time.

House Democratic leaders said they planned to move quickly. Last month, the House approved, by 357-70, a similar credit card bill by Rep. Carolyn Maloney, D-N.Y.

Complicating the issue somewhat was a measure added to the Senate bill that would allow people to carry loaded guns in national parks and wildlife refuges. That provision, sponsored by Sen. Tom Coburn, R-Okla., passed, 67-29.

House Democratic Leader Steny Hoyer of Maryland told reporters on Tuesday that the House might vote separately on the gun proposal so as not to bog down the credit card overhaul.

If the two bills are passed separately as expected, they would be rejoined before being sent to the president as a single bill, said Hoyer.