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http://www.inthesetimes.com/site/main/article/1962/

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• Here are some of my recent favorite credit card gambits: The amount of time my credit card company gives me to turn around and pay the bill has shrunk to about two and a half weeks---otherwise, I'm late.
• Christopher Dodd (D-Conn.) and John Kerry have proposed legislation that would require greater disclosure about what it really costs to carry this debt and that would prohibit the arbitrary increasing of interest rates.
• In part because of these shenanigans, the Kiplinger newsletter reports, "the rate at which people file for bankruptcy has increased 40 percent over the past 10 years and now totals 8.6 out of every 1,000 Americans."
• Given that most Americans hate their credit card companies---the industry has a very high complaint rate---opponents of Bush's efforts to privatize Social Security might do well to use the industry as a predictor of what is to come.
• Taking responsibility is only half the solution, the other half is trying to get rid of the insidious advertising that plagues us.
• Its easy to tout personal responsibility as the solution when you don't have to worry, as el presidente said, about "putting food on your family" with a $150/week paycheck.

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