Adjustable Rate Mortgages: When the interest rates go up, there will be more households loosing their homes because their monthly mortgage payments skyrocket.

I believe all people running for office, should have to pass a basic appitute test, similar to the sat test students take to enter college. Too many of our present canidates, and also already elected officials, are not competent to do so. These offices are too important and effect too many American lives to have uneducated people holding them. Please pass onto to President Obama.

In September 2011, Governor Christie submitted a request for a federal waiver to the Center of Medicare & Medicaid (CMS) in Washington. He is requesting permission to give New Jersey's precious Medicaid program (the part that covers nursing home care) to private, managed care, for-profit companies. Most Americans are not super-rich, and therefore, depend on Medicaid insurance being there for them in their time of great need when either they or their friends and family need long-term nursing home care. President Obama's phone number is 202-456-1111, and Secretary Sebelius's phone number is 202-205-5445. Call now, as the waiver request is near the end of a 90-day review process, and time is running out. Please tell your friends & family to call too.

Scientists who know, Geologists, are studying the ground water before Fracking starts because they KNOW that it is going to injure the ground water as well as the earth and all who live on it. They also are claiming that it is responsible for Earthquakes...as in the New Year's Day earthquake near Youngstown, OH.

Time Warner sends $4.60 a month to MSG for providing the channel. They should not be allowed to keep this money. It belongs to consumers. Further, there was just a seven percent rate increase -- the second in a year. No one believes they are defending the rights of the consumer and trying to keep costs down. This is a dispute between two huge monopoly media companies and the consumer is stuck in the middle with no leverage. ----------------

If you have Medicare and Medicade, you have to have an approved carrier. Well, this year the majority of the carriers have a premium ranging from $0 - $170 and deductibles ranging from $0 - $350. Most of them are $350. The click in all of this great plan is that they can change what you pay month to month for your medicines. In one sixmonth period you pay one amount lower then it changes to 4x the amount in the next six months or it can be staggered in various months over the 12 month period. So basically you really only have two choices to pick from and if you take opiates or any kind of medicines like xanax you can look at spending at least $200 a month just on meds, because some companies tier their meds now, according to President Obama’s plan. So if you have any kind of insurance plan. You really should log on to the website or log on to the Medicare website and double check your options avoid register shock when check out at the pharmacy.

Recently 60 minutes exposed that Congress members actually trade on the stock market on Inside Information they get from their legislative duties. Any American who does this would be put in prison. We need to let them know that this is ILLEGAL and needs to stop.

The town of Ogden Dunes is conducting a deer cull against the wishes of the vast majority of residents. They have also short-circuited the legal process by implementing the cull prior to the DNR hearing to evaluate the validity of the permit. Residents feel that the town's actions breach our democratic rights. In addition, the laws in Indiana are written to support the hunting industry rather than the people.

In California every voter receives detailed information on every candidate and every voter initiative being decided at the election. Most states do not have this so most voters go to the polls without proper information by which to make important election decisions. A small fund to gather and then make this information available to voters should be established. Paid endorsements of candidates etc. (clearly marked as such) could offset costs. California's system could be used as a good model. This should be universal to every US voter.

In the state of Vermont, a competent mother or father can too easily be stripped of rights to parent their children. The state will "pick one parent" for legal rights and responsibilities, yet will often award the children to both parents for physical custody--because both parents are, in fact, competent. Where both parents are competent, the courts must be directed to award legal custody to both parents. The current policy encourages dissent by offering divorcing parents too many reasons not to work together. A parent with no commitment to working together has only to prove him- or herself "better" to strip the other parent of legal rights --and "better" is defined differently each time a judge sits the bench because the statute is too complex. Automatically awarding legal custody to both competent parents will clear the courts of specious custody cases and create an atmosphere in which the only choice parents have is to work together to make decisions. Only parents who are clearly incompetent should be stripped of legal rights to guide their children. Not only is parenting a basic human right, but so is having both competent parents actively involved when one is young.

Members of Congress have been trading on insider knowledge, engorging themselves like pigs at a trough, not just on stocks, but on real estate and other money-making vehicles.

All American should have the right to travel to Cuba and have people to people exchange of ideas and be freinds. Cuba is making adjustment and changes and we need to give them ideas how to better themselves. Americans should be able to be free to find out about Cuba and the Cuban people and make their own mind if Cuba is or not a hostile country as our Government claims. We are friends with China. VietNam and many other countries and can travel to them. Why our Government have to hide about Cuba?