Daily PUMA Column - Commentary by Alessandro Machi

Monday, October 25, 2010

I can Prove Sarah Palin is not for Main Street.

Click here for the most recent DailyPUMA article.

I can prove Sarah Palin is not for Main Street. Show me one speech or transcript where Sarah Palin talks about homeowners being screwed over by the banks in a myriad of ways.

If you don't believe the banks are putting it to HUNDREDS OF THOUSANDS OF homeowners above and beyond the "deadbeats" that want their home for next to free, check out Swarm the Banks. Or, just watch the running clock below that lists how many home foreclosures since the beginning of 2009. Are the over 4 million foreclosed homeowners all deadbeats?

Just how many republican politicians have said ANYTHING about home foreclosures? I'm not saying the democrats are any better, and I do believe Barack Obama has ALREADY committed impeachable acts via his handling of the HAMP program and the programs that have allowed the banks to misrepresent their actual debts.

You really should look long and hard at voting for third party candidates. If not now, when?


Tuesday, October 19, 2010

Foreclosure Mom, "Mom Raps Foreclosure Tears". DailyPUMA thinks HAMP is a Sham and that the Rap lyrics indict Barack Obama as a Sham Wow.

I feel it is important to print the lyrics to Foreclosure Mom's, "Mom Raps about Foreclosure" rap video because Foreclosure Mom's lyrics are concise and accurate and convey the lunacy of Barack Obama's HAMP (home affordable mortgage program) as it is presently constructed. Back in December of 2009, the Los Angeles Daily News ran a story about how ineffectual the HAMP program was. It is now 10 MONTHS LATER and not only is HAMP still ineffectual, it is actually laden with film flammery from the ultimate flim flam man, Barack Obama.

To qualify for HAMP, the homeowner is FORCED to get behind on their mortgage payments by 3-4 months. However, once a homeowner takes the prerequisite step of getting 3-4 months behind, the banksters start a process called "parallel foreclosure" in which the banks begin filing the paperwork to FORECLOSE on the HAMPsters home.

And, many many HAMPsters have actually had their home foreclosed on while waiting for their HAMP to be approved. HAMP sounds like a Monty Python skit, BUT IT'S ACTUALLY HAPPENING TO TENS OF THOUSANDS, PERHAPS HUNDREDS OF THOUSANDS OF HOMEOWNERS EVERY YEAR, courtesy of Barack Obama!

It's almost as if the man who probably forged documents to become eligible to be president of the United States just can't help himself as he backs programs that HAMPer the american dream by requiring a pile of questionable documentation that seems to get lost and then has to be resent again and again by the homeowner. The american dream has been reduced to slowly losing what we already have, versus losing it all overnight, the preferred method of Barack Obama and the banksters.

A couple of months ago I wrote about the television programming conspiracy orchestrated by wall street banksters that primarily funds and supports new programming aimed at the youth of our country doing irresponsible things, as being the main reason that Hillary Clinton was supplanted by Barack Obama in 2008.

My article claimed that until a NEW NEWS CHANNEL sprang up aimed at the Fox News age demographics, but with a liberal conservative twist, (aka Hillary Clinton supporters), that non-progressive democrats would not get fair and accurate news reporting. Foreclosure Mom proves this point dramatically. The lyrics to Foreclosure Mom's rap song are profoundly accurate and well researched, yet she falls directly into the abyss of the type of person IGNORED by banksters, wall street and the television news channels.
Foreclosure Mom's rap lyrics are so concentrated with truth that a news director could assign each verse from the rap song to a reporter as a story lead!
I strongly suggest we forget that Hillary Clinton was cheated in 2008, or robbed, or whatever, and realize that without an actual cable channel filled with INTELLIGENT news gathering and reporting, our country will continue to suffer as we never see a successful presidency of the kind that Bill Clinton was just scratching the surface of and that Hillary Clinton could have attained in 2008.

Please either link back to this article if you want to use Foreclosure Mom's lyrics in your own article, or get permission from foreclosure mom and link back directly to her youtube site.

Here I sit all alone, and stare at the clock
Waiting for the moment when the sheriff will knock
Like so many others who manifested their dream
Convinced by the professionals in the great Wall Street scheme.

For the banks and the brokers, I had papers in hand
Tax returns, pay stubs, and maps of the land
Never had a loan and with the bank I debated
"Don't worry they said, that's why we go stated"
I gave unto them my bank statements piled tall
Oh no said the bank, we need nothing at all!
I thought to myself, how this could be
I was unaware of the paper feeding frenzy
Like so many Americans now living in shame
I was unaware of the securitization game.

All about finance I learned back in school
But nothing was taught about mortgage pools
The economy bad and about to go bust
I realized my loan was due to adjust
The bank reassured me, when my home I did buy
We will refinance you out of this loan, but that was a lie
I remember those words with angst and a frown
My home is underwater, completely upside down
I called up the bank to get justification
And ask them in fairness for a modification
"You're not in default, your payments on time
In order to help you must fall 4 months behind."
Americans are taught in our Institutions to trust
So I listened to my bank and did what I must

With credit now ruined I called to apply
I was put on hold until I wanted to cry.
After waiting forever and throwing a fit
I was given a list of documents to submit
I gathered up everything and faxed them my stack
After months of calling them, I finally heard back.
The response from the bank could not shock me more
A Notice of Default was nailed on my door.
Your foreclosure moves forward regardless they said
And your modification package has yet to be read

The day finally came when I was assigned agent Clarence
And soon the bank put me on a plan called forbearance.
For three months I paid more than I had paid before
But the uneasy feelings I couldn't ignore
Three months had passed with my payments on time
But what the bank did next should be a crime.
The bank needed financials and I asked them why
They answered because you may no longer qualify
What they said next went right to my core
In order to qualify I must pay $10,000 more
I sold many things big, medium, and small
The $10,000 booty, the bank got it all
I did all that was asked so our home we would save
I prayed every night and tried to be brave
I never imagined that at the end we would fail
But I knew it had happened when we received a Notice of Sale

The bank gave me a loan they said was a must
And they promised to change it before it adjusts
No court room, no judges, no madams or sirs
The money I owe is to a machine named MERS
My loan was bought many times, I know not the source
I will never find out who is "holder in due course"

So I loaded the cat, dog, and kids in the car
Took the last cash from our small cookie jar
I felt so alone, frightened, sad and so blue
If I could afford council, I would certainly sue
But alas, the bank won, their back gets a pat
No attorney for me they were counting on that.

Now read all about it and really get pissed
BOA pays 600 million dollars to investors on their list
Investors get their cash out of the toxic mortgage pool
While I lose my home and my son can't go to school.
Investors are not deemed to know the reps and warranties
Not required to notice the dotted i's and crossed t's
Borrowers they call us, folks like you and me
Servicer's say we're responsible, we signed the 1003.
Investors got paid and no one disputed

Wednesday, October 13, 2010

Has Barack Obama committed an Impeachable Act regarding his Government bailout programs for Home Owners?

There is so much internet information being generated on a daily basis that nowadays it doesn't necessarily take a pulitizer prize winning journalist to discover a sleazy sequence of political actions that may be illegal and possibly an impeachable act, the research can also happen by accident.
Barack Obama has this strange habit of offering government programs to "financially assist" struggling homeowners, in exchange for their homes! When Barack Obama proposed the HAMP (Home Affordable Mortgage Program) to struggling homeowners, the caveat was the homeowner had to fall behind on their mortgage payments to apply to the program!
The problem with becoming eligible for HAMP by falling behind on ones mortgage payment is the banks immediately begin a process called "parallel foreclosure". Parallel Foreclosure was a term I accidentally stumbled upon while doing research about Chase Bank. The term parallel foreclosure is so rare that until I started blogging about it, there was virtually nothing about it on the internet. Even one year later, the first few google search hits for parallel foreclosure are from comments and articles that I have written about it.

Parallel Foreclosure basically means the banks start home foreclosure paperwork the moment a homeowner applies for a government program that is designed to reduce their home mortgage payment or offer some type of federal assistance so the homeowner can afford their home mortgage payment!

HAMP and the resulting Parallel Foreclosure is not enough to impeach Barack Obama. However, I just discovered the following article from the Minnesota Independent from August 11, 2010, and suddenly, impeachment of Barack Obama seems like a fair and honorable course to take because ONCE AGAIN, Barack Obama has implemented ANOTHER homeowner assistance program that ALSO causes parallel foreclosure to occur.
The Minnesota Independent article is about a NEW UNEMPLOYED homeowners help program, EHLP (Unemployed Home Loan Program), and you guessed it, once again, the homeowner MUST BE THREE MONTHS BEHIND in their mortgage payments to "qualify". The sad thing is the rest of the program seems decent. Anybody who qualifies for the program gets a 50,000 dollar, interest free loan and two years to find work if they demonstrate a realistic plan to find employment.
I understand that if getting behind on a mortgage payment was not a pre-requisite for both of these federally backed homeonwer programs than perhaps an enormous amount of homeowners would try applying for the program. But, the triggering of parallel foreclosure in TWO SEPARATE INSTANCES of government programs designed to "help" the homeowner demonstrates a contempt for the struggling homeowner.

Furthermore, the requirement of becoming late on a mortgage payment before becoming "eligible" for the government program is most likely a spirit and pride killer for the average american citizen.

But these two homeowner assistance programs go deeper than just contempt for the struggling homeowner and the loss of their home. Homeowners are also losing either their original home mortgage down payment, or access to home equity lines of credit when their homes are repossessed.

And lets not forget, the Barack Obama back home mortgage programs ACTUALLY DON'T WORK for MOST APPLICANTS. If the programs don't work for most applicants, and to become eligible for the program one must get behind on their mortgage payments which in turn kicks in parallel foreclosure procedures, one can see that these home mortgage programs are highly unethical and to a large degree, "legalized theft", and somebody should be held responsible, and possibly impeached for creating these programs.

Sally Smith's comment under the Minnesota Independent's article is a ringing indictment of how these snake oil programs allegedly "work"...
Comment posted August 29, 2010 @ 9:27 am

HUD will get funds that they will keep and not help anyone. We went through the entire program and were denied any assistance. They kept changing what qualifications were needed to meet their program guideline to receive help. We met all of them. They sent us to a financial counselor, (who told us our problem was we weren’t bringing in enough money) okay..I did learn to add and subtract in elementary school. So…will this new program really help anyone or will the State’s government programs just keep the money within their departments for their own use like they have in the past. We eventually had our mortgage payments lowered by the bank (not much $40). Again, we are behind. The banks aren’t helping either. We have equity in our home but if we can’t sell our home it doesn’t matter how much equity a homeowner has left in their home.

And yet, it SHOULD MATTER how much equity is in a home before that home is foreclosed upon.

Sunday, October 10, 2010

Jerry Brown detractors over his staff's use of the "w" word are missing the real issue.


I am fascinated at the attempt to derail Jerry Brown over the "w" word that was used by one or two of his staff members. People are now digging up old Jerry Brownisms and trying to club him over the head with it.

I find the attempt to derail Brown laughable. As I begin to read the old Brown comments that are supposed to shame Brown, the one thing that stands out is Jerry Brown ALWAYS references something when he makes his controverisal comment. It's one thing to quote Jerry Brown saying "Abortion is the taking of the life" to stir up the pro choice crowd, but Brown references it with "When I spent time with Mother Theresa..."

lol, what male can make the claim that they spent time with Mother Theresa...yet somehow this is supposed to be controversial and prove that Brown is a bad man who hates woman??? How can we possibly get from visiting with Mother Theresa to being a bad male for being influenced by her? "But, but, he flip flopped on the issue of abortion to serve his own agenda". WHO DOESN'T!

The issue of abortion by its very nature should never have 100% of the people believing the same way. Anybody who believes there will ever be a kumbaya moment on the issue of abortion where everybody agrees is being obtuse, and if that moment of 100% agreement on the issue did ever happen, all I can say is we probably have become Eloi in a world run by Morlocks.

The first rule of a non issue comment that is being attempted to be used to slam someone is that it needs to be said without any external context as a reference point. Brown uses external references when he makes most of his more "controversial" statements.

You can call Brown a thinker who talks too much, would that make some happy?

As for the "w" comment, once again it was said within the context of a situation that was at hand, and apparently a female staffer used the phrase as well.

The real issue is not what it appears.

The real issue is that women are defined as being an "s" or a "w" in certain situations, but what is the same derogatory word for men who behave in a similar manner? That is what feminists should be up in arms over, that labels exist to describe women who behave in irresponsible ways, but those same derogatory words do not really exist, or stick, for men who behave just as badly.



Friday, October 8, 2010

Rush Limbaugh says it is imperative that Republican Politicians feel your pain!

Friday, October 8, 2010, 10:42am pacific coast time I heard Rush Limbaugh say to his radio audience that it is imperative that Republican politicians empathize with their constituents. This is code speak for, "I feel your pain", the all time number one Bill Clinton quote that Rush Limbaugh ridiculed a multitude of times on his show when Bill Clinton was president. Rush would even do an impersonation of Bill Clinton while saying "I feel your pain".

Now Rush is saying that empathy is how Republicans can win in November of 2010 and also win back the presidency in 2012.

Not to be outdone, Barack Obama spoke glowingly of the Clinton record from the 90's at a Thursday, Oct. 7th, 2010 Bowie State University speech in Bowie, Md. First, Barack Obama praised the huge surplus Bill Clinton left behind and that the republicans then squandered.

More amazingly, Barack Obama then warned his audience that the Republicans were outspending the democrats by as much as a 7-1 margin in some political races and that the money was coming from secret sources, including both corporate sources AND sources from outside of the country, and that this type of funding must not be allowed in the future. Barack Obama actually stated that we cannot have unknown sources of money manipulating american elections. Yes, Barack Obama actually said this at this speech.

Before Barack Obama gave his speech, while he was reviewing the statements about secret funding sources, was he really able to do it without thinking that he did the exact same thing in 2008, first to defeat Hillary Clinton, then John McCain? When Barack Obama spoke glowingly of Bill Clinton's budget surplus legacy, and he knew that Hillary Clinton would have probably done an even better job, did Barack Obama tingle all over knowing that he had defeated the better candidate?

What type of person can first dismiss another's record, then revere it two years later?
What type of person can first do unethical, illegal funding tactics, then two years openly blame others for doing the same thing?

I was starting to view Barack Obama as a president that simply wanted everything to run through his hands so he could get maximum credit for any resulting success. But the Bowie, Maryland speech has revealed a sociopathic side to Barack Obama that frustrates me for the condescending nature it reveals about our president.

For being such a slim president, Barack Obama sure is willing to pull pilfer anything from the talking points buffet table at any time, for any purpose.

Edit note (I started this article on Friday as draft, but did not finish and publish it until around noon on Saturday, yet the publish date claims I wrote it on Friday.) Google should fix this bug.


Breaking News! Draft Hillary dot com is officially online.

Draft Hillary dot com is officially online as of Oct. 8, 2010.

Monday, September 27, 2010

Gosh, Sharon Angle sure says stupid things about Autism and Pregnancy.

I want to see Harry Reid defeated so badly, but Sharon Angle is a blooming idiot. Is there a third choice on the ballot?

Ironically, the autism comment may have been a misspeak on Angle's part. I think what Angle might have been saying is that many different diagnoses might end up being labeled autism. However, autism itself can be an absolute torture for some parents to deal with in certain situations and Angle is on dangerous ground if she thinks the parents of truly autistic kids should be excluded.

But then Angle talks about maternity leave and somehow states that because she can no longer get pregnant why should she have to pay for others who might get pregnant. I mean, this is kind of stupid, and narcissistic, isn't it? If Angle doesn't have cancer, why should she pay for cancer protection? Oh, but she might still get cancer whereas she can never get pregnant because of age, is that Angle's argument?

When Angle was younger and COULD HAVE GOTTEN PREGNANT, she would have paid LESS for maternity leave coverage because everybody chipped in. Now that Angle can no longer get pregnant, she no longer wants to participate. This is called narcissism and egoism. If Angle wasn't against others helping to pay for maternity leave when she could get pregnant, but is against paying for it now that she can't get pregnant, she's just being an opportunist.

Until men start complaining about maternity leave, (and I pity the first male politician who does), I find it ridiculous for a woman to complain about maternity leave because they can no longer get pregnant.

The concept of insurance is that it is a pool of money that is supposed to help those who need it. What Angle is proposing is very dangerous because it creates "insurance a la carte".

But perhaps what is MOST ANNOYING about Angle's speech is how she quickly goes through these very complex issues. Even if Angle somehow actually can draw upon complex data and other examples that show why her position is valid, she shouldn't be treating these very important with such brevity.

Friday, September 24, 2010

Why is Lady Gaga's Meat Dress considered hip, but Sarah Palin standing in front of a Turkey Farm/Slaughterhouse draws a lot of flank?

Click here to see original photo source and article.


When I wrote about Sarah Palin standing in front of a Turkey Farm/Slaughterhouse in November of 2008, I pointed out that raising awareness of how Turkeys are slaughtered for our Thanksgiving enjoyment is not something Sarah Palin should get flack over.

"But, but, she didn't know what was going on in the background" clamored the liberal and progressive community. The truth is, Sarah Palin did not care what was in the background. In my opinion the reason Palin did not care about what was in the background was because we eat Turkeys, and this is how they are prepped. And yet, people like Rachel Maddow and Keith Olbermann of MSNBC just ridiculed her to no end over the Turkey interview video.

Amazing the flack that Sarah Palin also took over the budget for her wardrobe during the 2008 presidential race. Maybe Lady Gaga's meat dress was "affordable".

So, what about Lady Gaga? Can someone explain why Lady Gaga gets a free pass from the MTV awards and the liberal media for wearing raw meat all over her body and then accepting an award dressed that way while Sarah Palin is vilified for doing an interview in front of a Turkey farm / slaughterhouse?

The two acts are inseparable, and yet, does the liberal media treat them in an equal light?

Wednesday, September 22, 2010

Independent candidates like Jake Towne are getting WHACKED by the Republican and Democrat fear mongers.

Independent candidate Jake Towne is being denied access to a debate because he allegedly polled less than 5% of the vote. In an ironic twist to what happened in 2008 to Hillary Clinton; in which democrats over the age of 40 were marginalized in favor of the younger democratic voters, this poll basically excluded almost everyone under the age of 40, where Jake Towne is best known and polls strongest!

Can't we all just not do this crap anymore?

Independent candidates that are only taken seriously if they call themselves either a republican or democrat probably manifests itself somewhere in our country on a daily basis. Jake Towne would probably poll between 8%-18% if all demographics were evenly considered, and he should be allowed into the debate.

Even Ron Paul has run an article about Jake Towne's exclusion from an important debate. If you want to call and politely bug PBS-39 and others involved in this scandal, please click on the Ron Paul Link and politely let them have it. Remind them how it makes a PBS station look bad when we rely on them to be an alternative to the mainstream news stations.


Friday, September 17, 2010

Tea Party Puffery, just how many Independent candidates are actually going to be elected as Independents?

I'm confused about the tea party movement, but I refuse to spend time researching it. Aren't the tea partiers just going to end up becoming republicans?

How many INDEPENDENT CANDIDATES are actually going to win races in November?

It seems like the political system is rigged against independents. These pre-November political races are simply to elect the main political opponent to the politician in office. Even if the politician in office loses during their own parties nomination, it is still to another candidate from their own party.

If an Independent candidate can only knock off a democratic incumbent by running as a democrat, or by defeating the democrat in the fall after first knocking off the republican favorite, I consider the tea party movement to be a whole lot of puffery because they have to become part of the very parties they scorn, to have an impact.

Yes, some incumbent democratic candidates have decided not run for re-election, but once again, where does the independent candidate fit into the picture?

When November comes, isn't it possible that "rogue republican voters" will vote democrat because they don't like the tea party candidate that defeated the more well known republican earlier in the year? Isn't it also possible the democrats will vote democrat out of fear of the "crazy" tea party republican candidates?

If republican and democratic voters actually saw the word INDEPENDENT next to a political challenger's name, then I could see an actual tea party movement happening. But if tea party candidates are simply infiltrating either republican or democratic parties, it seems to me they could be defeated by a loose consortium of democrats and republicans who don't want tea party change.

Sarah Palin should have run for governor of California this year, won, and then proved to all of us that she can handle a big state. I know Bill Clinton governed a small state, and Barack Obama has never even governed, but Sarah Palin burst upon the national scene and was kind of forced to "fake it" in the heat of the moment, kind of the way Barack Obama did in 2008.

Until I see Sarah Palin actually govern when all the focus is on her, I'm not sure she is actually ready to be a viable president. A perfect example of only leading when the focus is not on you, and then becoming president is, Barack Obama.

Barack Obama may have used his street smarts and deep pockets backers to get elected, and Sarah Palin may have her snow smarts, but neither at this point is what this country really needs in its next leader.

I just don't think Sarah Palin is remotely qualified to be president when I compare her experience with that of Hillary Clinton's. I feel Palin is leading a "movement" that isn't genuine when an independent is forced to call themselves a republican to win.

Tuesday, September 14, 2010

Alleged shotgun assailant George Hartwig, are his Social Security Disability Benefits being used to pay Defense Attorney Brian J. Neary's fees?

For most recent DailyPUMA article please click here.  For more recent information abut Louis Rodas, please click here.  For even more recent information about Louisa, please click here.

Is it ethical for our government to pay SSI disability benefits to people such as George Hartwig, who then go around allegedly beating and shooting, and permanently maiming hard working american citizens?

Is it ethical to allow George Hartwig's SSI disability payments to then be used to pay the attorneys fees for a highly regarded criminal trial lawyer Brian J. Neary, so that Mr. Hartwig can fight for a reduced sentence while his alleged victim, Louisa Rodas, has been permanently disfigured, maimed, and rendered to an almost vegetative state?

If Mr. Neary is being paid either directly or indirectly from Mr. Hartwig's SSI disability payments, should not the government be sued for paying benefits to those who carry and use weapons against other american citizens?

Is this not the government funding of terrorists against their own citizens?

Can this insanity be altered just a bit? Can Mr. Hartwig's SSI benefits be transferred to the family of Louisa Rodas for her caretaking and for the hours of daily rehab her family engages with her to try and see if some of her former functions might come back?

Can the transfer IMMEDIATE transfer of SSI disabilty benefits from Mr. Hartwig to the alleged victims family be part of any "plea deal", along with the part where Mr. Hartwig stays in jail for a very very very very very long time? Can we get it right this time?

Please?

And is it time to pass a law that people receiving disability payments from the government who then shoot other people in their own home perhaps have their disability payments transferred to the victims family?



Monday, September 13, 2010

Handicapped Tennis Star Esther Vergeer is the best female tennis player in the world.


CBS has a nice story about Esther Vergeer but I could not find the video of it. Click here for the article. I don't understand why network television cannot find half an hour to cover her play, she is fantastic and would probably beat most "able bodied" tennis players.

Tuesday, September 7, 2010

Thursday, September 2, 2010

Chicago Dentist runs ad supporting Hillary Clinton for President in 2012.


As I stated in a previous article, Hillary Clinton will need a political news channel that won't go in the tank for the biggest democratic progressive spending candidate, (and well before the democratic presidential race was actually decided), which is what happened in 2008.

However, since most new prime time television programming is aimed at the under 35-40 years of age crowd, it becomes difficult to then run news programming aimed at the over 35-40 crowd. Even the late night stand up comedians cater their comedy to the younger people, and of course, part of their "comedy" includes making fun of Hillary Clinton.

There is a built in television production cycle that is funded by Wall Street and the bankster industry and their desire is to financially indenture younger people because revolving credit card debt from a 20 something is the most profitable type of debt there is.

Fox Television is the perfect model of what is needed for the Hillary Clinton voter base, but Fox is primarily a republican channel and even if Fox ran stories exposing the lying and deceit of the democratic party, it would not be reaching the right demographic base.

Another channel is needed. TV Land is catering to the over 35 crowd, but they are somewhat rudderless and clueless and would need to be "guided" into a nightly news programming show that would simply reveal what MSNBC refuses to reveal.

Click here for CNN Story. The comments section was closed very quickly as many Hillary Clinton supporters began commenting.

Wednesday, September 1, 2010

What is going on with Target? Target's Credit Card interest rates are outrageous, next is a crazy coupon offer for a free WHITE BREAD loaf.


Target seems to be going downhill fast (in my opinion). It appears that Target is using profits from excessive credit card interest rate charges so Target can promote their own political agenda and political lobbying. Target customers are being charged 23-24% interest rates on their Target credit card!

When a retail company entraps their own customers at 23-24% interest, not only do they suck their customers dry of spendable cash, the store is also siphoning their own customers spendable money to buy products in their own store!

Customers owing 1,500 dollars on a Target Credit Card will pay 29 dollars every month in INTEREST RATE charges alone! The problem is if the customer spends 50 bucks a month at a Target Store, over half of their spendable money will now go towards paying ongoing, never ending unseemly credit card interest rate charges. We're talking 358 dollars a year in interest rate charges alone on a 1,500 dollar debt.

Since when is it good for a company to dilute the spending dollars of their own customers so they buy less products in their store because of huge interest rate charges? Might as well call themselves Target Bank and focus on ripping customers off with excessive fees and interest rate charges and forgo selling products in their store at all.

If Target is concerned that customers are running up debt they may never pay off, there are logical solutions. Offer incentives to those who PAY DOWN their debt. If the customers refuse, then keep the interest rate charges where they are at.

If I were a vendor who sold to Target, I would be upset knowing that the Target Customer base is being skimmed off the top by Target's own credit card interest rate charges to the tune of 23-24% monthly interest rate charges.
The obvious solution is to NOT USE the Target Credit card and pay it off, or pay down the debt and then LOWER the Target card's credit line to a very low amount, say, 250 dollars, max. In both instances, the goal is to reduce Target's ability to rip off the consumer with ridiculously high interest rate charges.
My source tells me that Target is actively trying to recruit new customers to use their credit card and its overinflated interest rate charges. It is sad to me how much the media reports about wall street, and how companies like Target have to victimize their core customer base just to make it look like they are profitable. Profitability at the expense of their own customer base makes Target a company I no longer see as my number one alternative to Wal Mart.

As bad as Target's Credit Card interest rate charges have become, now Target is offering a store coupon to its own customers for a free 20 or 24 ounce loaf of white bread in a day and age when white bread has become passe. I plan on trying to convert my free 20 or 24 ounce Target Pantry white bread coupon to whole wheat. The fact that it appears that I don't get a choice seems to be Target's new way of operating.

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