Universities such as university of Phoenix are preying on people giving them false hope about what they can do for them.

Naked short sellers trade what amount to counterfeit stocks, bonds, mortgages, and other investments.* They profit by running down the value of investments, flooding the market with as many as one billion phantom shares a day. Hedge funds and some of the nation’s largest banks are a part of this widespread fraudulent practice. The predatory, illegal activity takes advantage of a gaping hole in regulations, left open by a lack of oversight of electronic trading that can often occur in microseconds. Regulations and actions at the Securities and Exchange Commission (SEC) have only served to make victims more vulnerable while letting the illegal predators off the hook. Small businesses—the heart of the American entrepreneurial dream—have been the easiest targets, and naked short sellers have gotten away with attacking larger and larger companies, some of which were critical in the 2008 financial meltdown. But the dream of all Americans is hurt by naked short selling, from business owners to retirees, from homeowners to the now homeless, from workers to the unemployed or underemployed, and from retirees to their children and grandchildren. That’s because millions of American workers’ pensions, 401(k) savings, mortgages, and jobs have been the ultimate victims, and the entire financial capital structure remains vulnerable. We, the American people, will not stand for it anymore! It’s time to do something about bad Wall Street practices. The second Obama administration, new leadership at the SEC, and the new Congress must act. We call on the White House, legislators in both houses—including the Senate Banking Committee and the House Committee on Financial Services—the SEC and other regulators to immediately take all actions to stop naked short selling. Those actions should include, but are not limited to, the following: —Halt any and all trading that allows the predatory practice of naked short selling, and institute a “pre-borrow” rule to ensure that short sales are covered; —Create regulations that close all loopholes that allow or enable this practice; —Develop the means to immediately identify, flag, and stop traders and institutions who are practicing naked short selling; —Closely regulate and make transparent the institutions that execute and oversee the trading and clearing of stock, bond, and futures transactions, such as the Depository Clearing & Trust Corporation and hedge funds; —Work with exchanges globally to stop this practice; —Investigate, prosecute, and punish—at a level commensurate with the harm created—all traders and institutions that have and continue to practice naked short selling; —Provide real compensation for victims, including companies, investors, and workers. * Normally, short sellers borrow stock (or bonds, etc.) and sell it at market value. Then they wait for the price of the stock to go down and buy back the same number of shares. They return them to the original lender and make a profit on the difference in value. Naked short sellers sell fake shares that they fraudulently pretend to have borrowed, diluting the value of a company's stock (or bond, etc.) from the get-go by flooding the market with additional fake shares. For more information about naked short selling, and to help spread awareness about this predatory practice, please see and share the film about its history and efforts to stop it. Trailer at http://thewallstreetconspiracy.com

People are experiencing health issues each day because of GMO products! It is NOT a natural process as some may list on the label. This is America, Land of the Free! We have a right to know what's in our food.

Even though Walmart's Sylvia Mathews Burwell is a Washington veteran, President Obama should NOT nominate her as his next budget director. Burwell left government to run the Walmart Foundation, the retail giant's philanthropic wing that strives to soften the fact that Walmart receives more than $1.2 billion in tax breaks, outsources American jobs, and denies its American employees full-time jobs, benefits, and over-time pay. To subsidize the paltry pay the average part-time Walmart worker earns, Walmart teaches its employees to apply for government assistance in the form of Medicaid and food stamps which 80% of Walmart's part-time employees must do to survive. Burwell's association with corporate America makes her unfit for the position of budget director.

Any media that carries spots with information that isn't true must run a constant disclaimer with the percentage of truth.

My husband has many food allergies/sensitivies such as wheat, dairy ( cheese, milk, butter,whey), corn (frusctose corn syrup] and other foods that gmo elements are present in. He needs to know any of these are present in the food he eats. It is essential to his health.that foods components are labelled for him to be healthy. Many people have similar problems. The bill is being considered by the Environment and Agriculture Committee in the House now.. They need to hear from you.

We are writing to request a Federal Reserve Hearing about the effects of the proposed closure of Bank of Hawaii - the only US bank in the territory. Please don't close our Bank without a hearing!

Why does insurance companies have the right to pull our credit for auto insurance? 1st we have to pay in advance, 2nd We are not getting a loan, 3rd we are required to have insurance, 4TH This will be on your credit report as an inquiry. This is a scam for them to charge us more money in the most trying time of our economic crisis.

Although I believe we need a credit scoring system to allow banks to make appropriate loans and good credit customers to achieve lower interest rates, I believe there are serious problems with the current system. The following are recommendations to make the credit system more equitable: ..Do not allow credit card companies to put anything on your credit card unless specifically authorized in advance. ..Allow your credit card to automatically expire after three months of non-payment. The reason is that many people relocate to find other jobs or out of the country and items are placed on their cards and then for 6 month the penalty and interest increase. In my case an $80 credit card charge for a ride to the airport to re-locate out of the country ran up to $850 with no notification. Now the credit card company will not remove it from the credit agency even if we pay the $850. We are talking about people who have good credit but destroyed by the credit card company with not remedy leading to huge losses in potential purchasing power and a slower economy. And it seem like usury to me.

i have seen this "administrative fee" on my bill. I also noticed that they include 2 on the first month, if you happen to start your billing in the second half of the month. This sneaky, unwarranted fee, represents almost 100 million in year in hidden fees to consumers.

I was damaged, Oct. 08, from Levaquin. I went into a wheelchair, lost my employment. Have muscle vision, heart, damage.

Emblem Health has notified all NY brokers that they will no longer pay commission as of 05/01/13. This is completely unethical and will have a drastic impact on our clients and the livelihood of all NY brokers. Because Emblem Health was denied a rate increase by the Department of Financial Services –DFS, they are taking action on the brokers that helped build their brand, and who service there policy holders. (See DFS statement below) With Healthcare reform to take effect in 2014, our knowledge and service is crucial in keeping our clients in compliance. This action needs to be stopped NOW! “Thus, while EmblemHealth, Inc. and HIPGNY have been profitable, their operating subsidiary, GHI, for some reason is not. In reviewing the reasons for this disparity, DFS has become increasingly concerned that Emblem’s overall management and its executive compensation practices have been a significant cause of GHI’s marginal financial condition. Moreover, DFS is concerned about the impact on the public of the rate increases proposed in the instant rate application. As a not-for-profit corporation, Emblem has a special duty to provide affordable health insurance to New Yorkers and to manage itself appropriately to make that possible. Poor management and compensation not related to both short and long-term performance can create improper incentives and have a deleterious impact on a company’s operations.”