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Payday Loan in South Carolina

    The following is a Dear Colleague sent by Representative DeFazio introducing his No BAILOUTS Act, which would Address the current financial crisis without putting the American taxpayer on the hook for billions of dollars. Dear Democratic Colleague: The House of Representatives rejected the $700 bailout yesterday. Distinguished economists across the world have stated it would not have solved the problem at hand. However, we can potentially solve this liquidity problem at little cost to the taxpayer. I am proposing that Congress drop the Paulson Plan, and instead pass the No BAILOUTS Act. The No BAILOUTS Act provides an alternative to the Paulson Proposal to address the current credit crunch. Once Congress addresses the liquidity shortfalls in our financial markets, a Democratic Congress can turn to Democratic solutions to address the broader economic crises we face today. Specifically, Congress can work to resolve the housing crisis across the country and pass effective job stimulus, which is the response Main Street America expects and deserves. While Democrats and Republicans may disagree on the underlying solutions to solve the economic crises we face, the No BAILOUTS Act - a regulatory based proposal - has the potential for significant bipartisan support. The Paulson Premise Flawed Simon Johnson, a former chief economist as the International Monetary Fund, stated today in the New York Times of Paulson’s plan, “It’s our view that this package, in a fundamental sense, will not solve the problem.” Other economic analysts noted yesterday that the credit markets around the world were almost entirely dysfunctional even when political leaders and investors assumed that Congress had reached a deal and would easily approve the bailout. There is no reason to believe Paulson’s plan will work. Alternatives We have credible alternatives to the Paulson/Bush $700 billion gamble. William Isaac, the chairman of the FDIC during the previous worst financial crisis in the United States during the 1980s, believes Congress can address the current crisis with simple changes to Securities and Exchange Commission (SEC) rules. Mr. Isaac points out that while we face serious financial challenges today, many banks are still in good shape. This allows Congress to take swift, uncomplicated steps to ensure the financial markets return to working order. After that, we can work to resolve the housing crisis and pass effective job stimulus. Today I am offering an alternative to the Wall Street bailout that will correct the capital shortfalls experienced by many financial institutions and help protect the integrity and quality of the securities market. My plan could be implemented promptly meeting the demands of the Bush Administration to act immediately without putting the American taxpayer on the hook for billions of dollars. No BAILOUTS Act Bringing Accounting, Increased Liquidity, Oversight and Upholding Taxpayer Security 1) Require the Securities and Exchange Commission (SEC) to require an economic value standard to measure the capital of financial institutions. This bill will require SEC to implement a rule to suspend the application of fair value accounting standards to financial institutions, which marks assets to the market value, no matter the conditions of the market. When no meaningful market exists, as is the current market for mortgage backed securities, this standard requires institutions to value assets at fire-sale prices. This creates a capital shortfall on paper. Using the economic value standard as bank examines have traditionally done will immediately correct the capital shortfalls experienced by many institutions. 2) Require the Securities and Exchange Commission to restricting naked short sells permanently This bill will require SEC to implement a rule that blocks naked selling, selling a stock short without first borrowing the shares or ensuring the shares can be borrowed. Such practices many times harm the companies represented in the sales and hurt their efforts to raise capital. There is no economic value produced by naked short sales, but significant negative effects. 3) Require the Securities and Exchange Commission to restore the up-tick rule permanently. This bill will require SEC to implement a rule that blocks short sales without an up-tick in the market. On September 19, 2008, the SEC approved a temporary pause of short selling in financial companies “to protect the integrity and quality of the securities market and strengthen investor confidence.” This rule prevents market crashes brought on by irrational short term market behavior. 4) “Net Worth Certificate Program” This bill will require FDIC to implement a net worth certificate program. The FDIC would determine banks with short-term capital needs and the

    Find out how local senators voted on this BAILOUT bill. .. If you want to know how your local senator voted you can check it out on this link: www.stopthehousingbailout.com Click on the *** Here is an online Roll Call ( spreadsheet) of today 's House vote *** Let them know that if they are saying "yes" to this bill that come November when it is YOUR turn to vote for a Senator HE South Carolina SHE WILL NOT HAVE YOUR VOTE!! They want to give away our money so we can give away their job to the next candidate that won't screw us! You can contact them and let them know how you stand.You can get all their contact information at: www.senate.gov or www.congress.org If this bill gets passed and you don't do anything to get your voice heard you can not complain when they steal YOUR money!! PLEASE make the 5 minut es to make sure they hear from YOU! Please forward this to everyone you know and make sure you do your part to save YOUR money !!! THANK YOU! !!

    I have contacted my current reps and told them to vote NO on the Bush Buddie Bail Out. It Helps Foreign Banks and Not Our Own. I then contacted everyone on my mailing list and told them to do the same before close of business today. I also posted a short blog on cronicawareness.com telling all the people who read me to do the same. Fcuk these old Mighty Whitey's!

    I agree! they keep coming to the well and the well is dry!this just plays into the hands of what bin laden set out to accomplish! bring america to her knee's in finance! wake up america! stop the bleeding say hell no to this bail-out scam!

How long does it take to get a loan approved?

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