text:
Ethics watchdog groups are complaining that a House-passed proposal to ban congressional and executive branch officials from using inside information for their own financial gain has less bite than its Senate counterpart.
Although Congress members already are prohibited from insider trading, the House's version of the Stop Trading on Congressional Knowledge Act includes executive and judicial branch officials, prevents Congress from getting special access to initial public offerings and requires reports to be filed more frequently.
Both House and Senate bills passed with a clear majority: 417-2 in the House, 96-3 in the Senate. In press releases, multiple Texan representatives praised the bill approved Thursday for holding government officials accountable and helping to restore people's trust in the government.
"It's unacceptable for any member of Congress, federal official or their staff to use non-public information for their own financial gain," said Rep. Pete Olson, a Sugar Land Republican. "We have a sacred obligation to be held to the same standards as the people we serve. There should be no misunderstanding that people in Washington must earn the public's trust."
But the House bill removed several provisions in the Senate bill that would have, among other things, required political intelligence firms who get insider knowledge from Congress to file public reports on their spending and contracts with federal officials.
The House bill also stripped an amendment partially sponsored by Texas Sen. John Cornyn that would give prosecutors tools to further identify and investigate criminal conduct by public officials. The amendment was unanimously approved by the House Judiciary Committee last year, but was removed by Majority leader Eric Cantor who wrote the House version. Cantor brought the bill to the floor under suspension, allowing 40 minutes for debate before the vote. He defended stripping the provisions.
"I think there's a lot of discussion and debate about who and what would qualify and fall under the suggested language that came from the Senate," Cantor told the AP. "The political intelligence piece is outside of this body, and we're talking about us and the perception that has gathered around our conduct."
Melanie Sloan, executive director for Citizen for Responsibility and Ethics in Washington, said the stripping the provision benefited Wall Street insiders.
"Wall Street is once again getting something regular people can't get," she said.
Sloan suggested the funding Cantor received from Wall Street companies might have influenced him to cut the provisions. In 2012 alone, Cantor has received more than $343,000 from the securities and investment industry.
But Texas Rep. Francisco "Quico" Canseco said the removed amendments would have made it difficult for him to talk to his constituents because he would not be able to discuss legislation the House was working on.
"It gags a congressman from conducting communication with constituents," the San Antonio Republican said. "I think it's way overboard."
Last December, Canseco called the act "completely unworkable," but, because of changes to the bill, voted for it today.
The bill now heads to a House-Senate conference committee.


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Guests: David Axelrod, Dan Balz, David Frum, Andy Roth, Steny Hoyer, Pete
Williams, Eugene Robinson, Richard Wolffe
CHUCK TODD, NBC NEWS CHIEF WHITE HOUSE CORRESPONDENT: Yes, they
did. Let's play HARDBALL.
Good evening. I'm Chuck Todd in Washington, in tonight for Chris
Matthews, whose son got married this weekend. Congratulations to Chris.
Leading off tonight, health care reform. Political suicide or both?
To Democrats, health care reform is an accomplishment on the scale of
Social Security and Medicare. Once the distortions go away, Americans will
reward them for what they did.
To Republicans, health care reform means disaster for the economy
and defeat for the Democrats. Tonight, the political fallout from last
night's historic vote.
Plus, not every Republican is so sure that this will be the
Democrats' Waterloo. Former George W. Bush speech writer David Frum says
by refusing to compromise or negotiate Republicans went for all the marbles
and wound up with none. The Waterloo, he says, is theirs.
Also, the "N-word" reportedly was thrown at black Democrats. A gay
epitaph hurled at Barney Frank. Bart Stupak was called a baby killer on
the House floor. The mood has become very ugly out there. Can decorum
return to the people's House?
Plus, where do we go from here? Could a Republican-led lawsuit at
the state level by state attorneys general do what Republican House members
couldn't do, kill the bill?
And despite the big health care win, President Obama did not go
undefeated this weekend. His NCAA bracket picks, pretty much along with
mine and everybody else's, is a mess. We'll survey that damage in the
We're going to start with the passage of the health care bill. Late
today, I spoke with White House senior adviser David Axelrod and asked him
whether the Senate reconciliation bill was a done deal. Remember, that
debate starts tomorrow.
DAVID AXELROD, WHITE HOUSE SENIOR ADVISER: I'm sure it will pass
the Senate. The question is whether the other side is going to engage in a
bunch of dilatory tactics and parliamentary tactics.
TODD: You seem a little less confident that this is going to
AXELROD: No, no, I'm very confident. What I can't tell you what is
efforts the other side's going to make. We've seen in the last few weeks
Senator Bunnings' efforts to—
TODD: But if Democrats stay united, then you're going to be able to
get this done.
AXELROD: I think democrats will be united.
TODD: You feel like 51 votes are there, 51 plus votes are there?
AXELROD: I'm very confident.
TODD: Is Vice President Biden going to be in town all week?
AXELROD: He's going to be in town.
TODD: There to preside over the Senate, if necessary?
AXELROD: He may preside over the Senate, but I don't think that
will be necessary. We have the votes, Chuck. Health insurance reform is
passed. The American people are ready to move on. And we'll see if the
Republicans in the Senate are.
TODD: If this stalls for some reason, and it does not get done
before recess, will you immediately have them take it up and go back and do
these fixes?
AXELROD: I think they're going to move quickly on this. I'm sure
that they—I'm not willing to concede that this won't be wrapped up by
the end of this week.
TODD: Lessons learned. Everybody has their theory of what lessons
you guys learned. What lessons did you learn in this process of getting
this done? What would you have done differently?
AXELROD: Oh, you know—I mean, it's always hard when things go
your way to look back and say, gee, I would have done this or that and so
on. Obviously, we spent an awful lot of time trying to engage the
TODD: Too much?
AXELROD: -- in Congress to participate. Well, it chewed up months
of time. I think it was worthwhile in the sense that we called out a lot
of good ideas, and the legislation we finished with includes both good
Republican and Democratic ideas.
TODD: What are two or three? These republican ideas that without
their participation would not have been in this legislation?
AXELROD: Well, you know, whether—they didn't participate, but
they did offer ideas. Certainly the whole idea of an exchange or a
marketplace where small businesses and people who can't get insurance
through their employer can compete or can get insurance at a competitive
price, that was an idea the Republicans strongly believed in and advanced
and that's something that's at the core—at the core of this legislation.
So—and you know, as I've said before, there are 160 amendments
that the Senate Health Committee—
TODD: Most of those amendments, though, were not really about the
legislation. They were sort of addendums that had to do with—you know,
maybe it was Native Americans or Indian reservations, things like that. I
AXELROD: Some of them were.
TODD: Are you over-counting this a little bit?
AXELROD: To hear the Republicans in the Congress talk about it,
they were shut out. I sat here in this building, Chuck, and watched
Republican senators come in and out throughout the summer and fall to talk
about their ideas on health insurance reform. The president embraced many
of those ideas. Some of them were very candid that we'd like to be with
you on this legislation, but we can't do it unless a bunch of Republicans
will come with us, because it's politically untenable for us.
TODD: Are you going about financial reform and energy differently
because of a lesson you learned via the health care?
AXELROD: I think every issue is different. The one thing that is
very clear to me is that the more the president takes this issue right to
the American people, the more that we have dialogue with the other side—
even if it's ultimately not productive in terms of producing votes—but
where we have reasonable discussion about it, as we saw in the summit, or
at the president's visit to the Republican caucus, I think the better off
the country is, and it's a better way to pursue our goals.
TODD: When the Scott Brown election happened, the president,
himself, indicated in an interview, right after the election, that maybe
there would be scaled-down health care. What changed your mind?
AXELROD: I know it was interpreted that way. That day it was very
we made clear and he made clear subsequent to that—what he was saying
is he was open to other ideas. He was not talking about scaling back.
TODD: You don't—you feel like that was misinterpreted, when he
said we have to look at the reforms we agree on?
AXELROD: The most resolute person in this town from the beginning
was the president of the United States, who understood that if we were
really going to solve the problems of people with preexisting conditions,
if we were really going to have after the main problems in our health
insurance system, that we had to do it in a comprehensive way. He never
lost that focus throughout the process.
TODD: On this challenge by states, about specifically the mandate,
what is it, exactly, that the White House Counsel's Office has reassured
the president, reassured you, reassured everybody that's done this, that
this can stand up to a challenge in the courts?
AXELROD: Obviously I'm not a lawyer. They're very confident—
TODD: Why?
AXELROD: -- that this is constitutional. Because they've studied
the issue. They believe, under the Commerce Clause, it's constitutional.
Look, every time a major piece of legislation has been passed in this
country, it's engendered lawsuits. What's curious to me is that the idea
of a mandate was advanced not just by Democratic senators, but by
Republican senators in this process. Some of the senators who came in
here, Senator Grassley and others, talked about a mandate. Mandate is
central to the—
TODD: You don't think there would have been a challenge if the
AXELROD: I think no matter what was in this legislation there'd be
some legal challenges. That's the nature of our country. And so I expect
that that will be the case here, as it has been on every other major piece
of legislation over the course of our history. I'm very confident that
this will stand up to legal challenges, and we'll move forward in a very
productive way.
TODD: Before November of this year, what's another major piece of
legislation that you think it's important that the president be signing to
take to the campaign?
AXELROD: Well, you know what? I'm not thinking about what he
should be signing to take to the campaign. I understand—
TODD: You must have a—
AXELROD: I understand that in this town there's a real fast—
everything is through that—is looked at through that prism. We have
said for some time that it's important that we pass financial reform,
because we want to avert the kind of crisis that we've had now. And there
are provisions in this law that protect consumers and protect the economy
as a whole from the excesses of the financial—
TODD: To get out of the campaign calendar, that's something that's
going to get done this year?
AXELROD: I think that's important. I think we can get that done.
I understand the significant opposition from some sectors of the financial
community. And we've saw the House minority leader meeting with leaders of
the community, saying give us financial support so we can stop—
TODD: The next big item on the agenda, in your mind, is financial
AXELROD: I think if you look at the calendar of the Congress,
that's coming right up.
TODD: Immigration—energy and immigration, is that a priority for
this year or is this something that's going to take—
AXELROD: These are issues in which there are bipartisan efforts
going on. And that's encouraging on both immigration reform and energy.
TODD: Beyond Lindsey Graham?
AXELROD: We're working with senators. Obviously, he's taking the
lead on it. But, you know, we're going to explore what possibilities there
We want to move the country forward, Chuck. I think that's what
people want. I was disappointed this morning that Senator McCain said
we're not going to cooperate on anything for the rest of the year in
protest over the passage of health reform.
I don't think that's the attitude the American people want from
their elected officials. They want us to work together where we can and
oppose each other in a principled fashion where we don't agree. That's
what we're going to do, and we hope that's what other leaders in this town
will do.
TODD: Are you concerned about the tone—the tone of the debate
this week in the Senate, that it could disturb whatever shots you have on
AXELROD: I'm not—you know, I guess I was a little bewildered by
the tone of the House debate. Bewildered because the criticisms that were
being leveled were not commensurate with the legislation that we were
offering, this notion that this is all socialism and radical and so on.
Our bill is very—our health care plan that the president is going to
sign is very mainstream and very influenced by people like Bob Dole, very
similar to something Richard Nixon proposed.
So I thought the rhetoric didn't match the reality of the
legislation. And so, you know, we'll see. I'm less concerned about tone
than as to whether there's a real will to try to work together to solve
problems. I think that's what the American people want.
TODD: Last question. How should—the average person watching is
going to say, OK, who's going to run this sort of—this program from the
level of federal government? Where should they be expecting to watch? Is
it the Department of Health and Human Services? Are they going to take the
lead on monitoring the exchanges? All of that going to be run under there?
Is there going to be new agencies created?
AXELROD: Certainly, the Department of Health and Human Services is
going to take the lead on this. One thing we feel very strongly, Chuck, is
that having advocated these reforms, we have a real responsibility to see
them implemented in an efficient, effective way. And one of the things—
you know, one set of meetings that occurred today were implementation
meetings, to talk about how we move forward from here. Certainly,
Secretary Sebelius and HHS are going to be deep—
TODD: Involved in the—they're the ones that are going to run
health care, as far as this is concerned?
AXELROD: Well, that's—
TODD: Now that it's been passed?
AXELROD: That's certainly going to be the fulcrum of activity, yes.
TODD: Thank you, sir.
AXELROD: Good to be with you.
TODD: That was David Axelrod. a couple pieces of news out of
there. They're cautiously confident when it comes to the Senate
reconciliation bill. Vice President Biden might actually preside over
The other thing is clearly financial reform is next.
Joining me now, the "Washington Post's" grand poobah of politics,
Dan Balz. Dan, OK, where are we today with the Obama presidency, where we
weren't yesterday?
DAN BALZ, "THE WASHINGTON POST": Well, it's always better to win
than not win. And they have fought this battle for a very long time. They
have taken a lot of hits on it, both the president personally and the
Democratic party. They have felt like they have crossed a barrier here.
They have a long fight ahead of them. They know that. The
Republicans are not going to stop battling against this health care fight.
We're going to see it all the way through to November, and probably see it
in 2012. But they feel as though they now have something concrete that
they can talk about, that will be different than the way the debate has
gone up until now.
One of the questions is whether they will be any more successful in
selling this bill now that it is law than they were before it came law. I
think that's still the big question mark hanging over the president and the
White House.
TODD: It's funny you asked that. I saw Charlie Cook quoted over
the weekend. He said, what makes them think—they couldn't sell it for
seven months during the debate, when everybody was paying attention. How
is it going to get better with independents? I guess, what is the scenario
where suddenly this improves? Is it simply getting it done or not seeing
the negatives?
BALZ: Well, I think their hope is that the predictions that the sky
will fall as a result of this legislation will prove not to be true and
that the public will see that over time. Secondly, they say, and it's
true, there are some benefits that begin to kick in immediately that will
effect some people. Not all, certainly, but some people. There will also
be some things people may not like that will begin to kick in.
Nonetheless, we're going to see some concrete changes that people
will be able to measure in a way that they weren't able to measure it
before this happened. Now, the Republicans, as you know, are going to take
this fight all the way through the fall on several levels. One is—
TODD: Are you convinced of that? I mean, it is interesting. It
does seem as if Republicans seemed a little bit flumixed today on how to
respond. You have the repealers, we're going after this, but there seemed
to be another part of the party that was sort of, OK, now what do we do?
BALZ: I think the issue of the repeal is one they have to face
squarely. There are a lot of Republicans I have talked to, and I know you
have, too, who say a pure repeal strategy is not a winner, that it has to
be a repeal to change something, but in a different way than President
Obama's plan would. So that's the first issue they've got to come up with.
How do they actually craft that message? Or do they allow the people who
are just purely talking about repeal to take the lead? That causes them a
I think the second thing they will do is that they will use this
bill, as they have up to now, as a way of talking about what Obama's grand
strategy is, which is to say, in their words, much bigger government, more
intrusive government, far more government than this country wants. I think
that's one of the issues that they're going to try to push.
TODD: Dan Balz, what a weekend, what a six months it's going to be
when it comes to the campaign. Who knows what's next. Thanks for joining
BALZ: Thank you, Chuck.
TODD: All right. Coming up, Republican Senator Jim Demint famously
said health care reform would be the president's Waterloo. But former Bush
speech writer David Frum says it may prove to be the Republicans' Waterloo.
He's coming here to explain why next.
Later, who yelled out "baby killer" as Congressman Bart Stupak spoke
on the House floor last night?
UNIDENTIFIED MALE: Those who are shouting out are out of order.
UNIDENTIFIED MALE: Baby killer.
TODD: We'll get into some of the ugly attacks surrounding this
debate later in the hour. You're watching HARDBALL, only on MSNBC.
TODD: The Pulitzer Prize winning non-partisan website
PolitiFact.com has the top facts and top lies about health care reform.
Let's start with the top five facts.
Fact number five, the vast majority of people will not see
significant declines in premiums.
Number four, employers won't be required to buy insurance for
employees, but large employers may face fines if they don't.
Number three, all Americans will be required to have health
insurance, which is called the individual mandate, or they'll have to pay a
Number two, insurance companies will be regulated more heavily than
they are now, and won't be able to deny people for preexisting conditions.
The number one fact about health care reform, it's not a government
takeover of health care like in Britain and Canada.
HARDBALL returns after this.
REP. JOHN BOEHNER (R-OH), MINORITY LEADER: Look at how this bill
was written. Can you say it was done openly?
CROWD: No.
BOEHNER: With transparency and accountability?
CROWD: No.
BOEHNER: Without back-room deals and struck behind closed doors?
Hidden from the people? Hell, no, you can't.
Shame on us. Shame on this body. Shame on each and every one of
you who substitutes your will and your desires above those of your fellow
TODD: Welcome back to HARDBALL. House Republicans unanimously
voted no on President Obama's health care plan. The same thing is likely
to happen in the Senate. What does no mean for November? David Frum is a
former speech writer for President George W. Bush and he's now editor of
FrumForum.Com. I hope I got this right. I know yesterday we were
struggling with that. Andy Roth is the vice president of the Club for
Andy, I want to start with you. I'm going to read you something
that David wrote. I'm sure you read his column. Let me start with this.
He said "at the beginning of this process, we made a strategic decision.
Unlike say Democrats in 2001, when President Bush proposed his first tax
cut, we would make no deal with the administration, no negotiations, no
compromise, nothing. We were going for all the marbles. This would be
Obama's Waterloo, just as health care was for Clinton in '94. This time,
when we went for all the marbles, we ended with none."
Now, I know, Andy, that Club for Growth has a pledge asking
candidates to sign it that they will pledge to repeal health care. What do
you make of David's take here that conservatives shouldn't have walked
ANDY ROTH, CLUB FOR GROWTH VICE PRESIDENT: Well, with all due
respect to David, he lives by the compassionate conservative motto that got
Republicans in trouble in the first place. That during the Bush/Reagan—
the Bush era, the G.W. Bush era, there was always more spending and more
spending and more government. It was just less than the Democrats. And
that kind of idea that we're not going to stand for principles, we're going
to be pragmatic, and just try and shoot for a little bit less, I think is a
very dangerous thing and doesn't really show a lot of leadership.
TODD: David? Respond there. I mean, we know your point there.
Respond to that, that—you know, did you guys not show enough leadership
when you were running things?
DAVID FRUM, FMR. BUSH SPEECH WRITER: I was not a very important
part of the Bush administration. I don't think I can claim any
responsibility for strategic decisions.
But I'm sorry, that is a statement of pure willpower and ideology.
That—I think I have principles. I think President Bush had principles.
They happened to be different principles. Having some willingness to pay,
for example, for the spending we do, that's a principle, too.
I think we need to focus on today's problem. And what we are doing
is substituting our wishful thinking about the way we would like the
American people to respond. I think if we were an electorate of two, and
Andy and I were the only two voters, we would actually gravitate very much
to Andy's results. The country is full of people who think differently
from us and they all get to vote, too.
TODD: Andy, purity versus pragmatism. It's an argument we see in
both parties. For instance, Bill Frist, this morning, in an interview with
me earlier, talked about the fact he thought repeal wasn't really an
option, and that this isn't really a practical thing. Why do you believe
repeal is an option?
ROTH: That's an extremely defeatist attitude. I can't believe that
that approach is even being considered. That shows you the weakness that
we have in the Republican party right now. Listen—
TODD: Can you legislate—I guess my question is this: how do you
say you want to run the government and legislate - and I mean—when there
is sort of this—supposed to be this back and forth. I know the
Democrats, a lot of criticism from Republicans, saying they didn't work as
hard as they could have at compromise. but it sounds like any expansion of
government is just not in the cards and, yet, we are a two-party system.
ROTH: Chuck, look at the expansion that has taken place over the
last couple of years. I mean, the bank bailouts, the stimulus, the Obama
budget. I mean, the American taxpayer is getting shoved a lot of big
government down their throat. To say that we're going to accept this and
just go on with it, but try and tweak it here and there?
The Democrat version of big spending and the old Republican version
of big spending are two ideas that have found their end. We need a third
way, which is let's stop the government totally. Let's stop all of this
nonsense and try and repeal it fully, and then start over with real
FRUM: We did try stopping the government totally in 1995. It
wasn't a big success. Look, that statement is pure fantasy. I'm sorry.
You're going to have the piece of paper, the Michele Bachmann Bill that
says the law's repealed. Then you're going to go around to the more
numerous Republicans that will be there after November 2010. And they'll
say, right, I agree with that, except for the part about tax credits for
small business. I like those.
TODD: So leave that out.
FRUM: You know, the stuff about reimposing preexisting conditions
on children under 19, you know, that could lead to a lot of negative ads.
That's going to be out. By the time you finish deleting all of the things
that come out, you have a big bill.
By the way, does the individual mandate come out? If the individual
mandate comes out, then how do we fund all the spending that the
Republicans will, in fact, want to do? What is the funding mechanism going
to be? You'll end up with a Republican affirmative health care proposal,
which would be great. Why not have done that at the start of the process,
and maybe integrated some of those proposals into the bill we actually got?
TODD: Andy, this goes to a question that has been—that minority
parties, parties that have been in the minority in government have had to
deal with for years, can you get 30 percent? If you can improve something
30 percent for your philosophical side of things, is it better than zero?
You're saying zero at this point is better, go for the whole enchilada down
the road?
ROTH: I love this argument that you can negotiate with the
Democrats. Who is to say they're not going to change the goal posts half
way through? Listen, we had Republican senators negotiating with the
Democrats last year, and they couldn't make any headway. So they got up
and left the table.
The idea that they're going to willingly accept some conservative
proposals isn't a sure thing. You have to fight for principles. That's
what's lacking in Washington, D.C., Right now. And that's what we
desperately need. That's what you're going to find in November, when the
Democrats lose.
TODD: Go ahead, David.
FRUM: Being indifferent to whether or not people—your fell
Americans have insurance is not a matter of principle. It's also principle
to say, Republicans would like to insure those people, too, and make sure,
by the way, that health care does not rise to 20 percent. If we go from 17
percent of GDP for health care to 20 percent, how do we fund the American
military? Countries that face rising health care costs squeeze their
militaries. How are we ever going to have another tax cut if health care
costs continue to rise?
The things that Andy wants to do are threatened by this same
problem. One of the—there are a lot of Republican senators, sorry, they
didn't feel like they had to walk away because President Obama was so
unacceptable. They had to walk away because their base was so revved up.
There were people who would have liked to have dealt. There are better
Republican ideas, like, for example, the Healthy Americans Act, sponsored
by Senator Bennett.
TODD: Andy, what do you say to this—go ahead.
ROTH: Bennett's bill is just as much as bad as Obama's. It has a
huge tax increase. It has a huge individual mandate. It makes people pay
their premiums through the IRS. That's the most un-American, awful bill
that you can imagine, and label it as conservative. That's a nasty bill
that shouldn't be talked about in any Republican circle.
TODD: We have to wrap up. We could go on forever. Really quickly,
Andy, if you don't get repeal and you run on it, don't you demoralize your
base going into 2012?
ROTH: I don't know how you can argue that—I mean, there are a
lot of ways that we can attack this through repeal. I mean, we can defund
it through the House. There's a lot of options we can do once Republicans
get in control. And I think we're going to do it in November.
FRUM: He's over-looked the most important—the magic wishing
stones option, because that's going to be a very important part of this
TODD: David Frum, Andy Roth, I think this is a fight inside the
Republican party that is not going to be solved in the next six minutes or
the next six months. Thank you both.
Up next, health care reform is a big victory for President Obama.
But he suffered a couple of big defeats this weekend in a completely
different contest. Frankly, we all did. His NCAA bracket, that's ahead in
the sideshow.
Later, Rush Limbaugh promises to fight to defeat any Democrat who
supported health care reform. Take a listen.
RUSH LIMBAUGH, RADIO TALK SHOW HOST: We need to defeat these
bastards. We need to wipe them out.
TODD: We're going to get into some of these attacks on the right
later in the show. You're watching HARDBALL, only on MSNBC.
CHUCK TODD, MSNBC ANCHOR: Well, back to "Hardball." time for the
"Sideshow." and it was the show the President was watching. He undoubtedly
had a huge win this weekend on health care. But boy, did he face a big
setback elsewhere, his NCAA bracket. At least on the men's side. Here's a
look at where he stands. Two of the President's final four teams were
upset this weekend. Villanova and Kansas. As you can see Kansas was the
President's pick to win it all. What a mess. A mess for all of us,
frankly. Anyway, all things considered, I don't think the President's all
that heartbroken. He would trade health care for the correct NCAA bracket
any day of the year.
Next Rahmbo on the record last night. CBS's Katie Couric called out
White House chief of staff Rahm Emanuel on his, quote, colorful language.
KATIE COURIC, CBS CORRESPONDENT: Why do you have such a foul mouth?
Didn't your mom ever wash your mouth out with soap?
RAHM EMANUEL, WHITE HOUSE CHIEF OF STAFF: I read a piece in "Time"
magazine about how swearing is good for your mental health.
COURIC: Do you curse in front of the President? I know he has
tweaked you about your profanity in public.
EMANUEL: I've cursed before. I do not curse in the oval office.
COURIC: Ever?
EMANUEL: I've probably have done it once in the time we've been here.
COURIC: Does he curse? No comment?
EMANUEL: Look, you know, I'm not -- this is—I will go to the
grave with my secrets.
TODD: I think we know what that hesitation means.
All right time for the "Big Number." this past month we saw the
President get personal in his final-hour push for health care reform.
According to a White House tally how many direct pitches did President
Obama make to Democratic house members in the final week? 92. Big part of
why reform passed this weekend. The power of the presidency. President
Obama makes 92 pitches to house Democrats. That's tonight's behind the
scenes "Big Number." I tell you, was the power of the presidency at work.
All right up next, no doubt the passage of health care reform is a big
win for house democrats. What will it mean for the midterms? We're going
to ask House Majority Leader Steny Hoyer.
Plus could Republican state attorneys general do what house
Republicans couldn't? They—could they kill the bill? We'll take a
look. You are watching "Hardball" only on MSNBC.
PRESIDENT BARACK OBAMA, UNITED STATES: Tonight after nearly 100
years of talk and frustration, after decades of trying and a year of
sustained effort and debate, the United States Congress finally declared
that America's workers and America's families and America's small
businesses deserve the security of knowing that here in this country
neither illness nor accident should endanger the dreams they've worked a
lifetime to achieve.
TODD: Welcome back to "Hardball." that was President Obama
celebrating his party's big victory in the House last night. Now it's on
to the senate so now what? Democratic Congressman Steny Hoyer of Maryland
is the House Majority Leader. And let me start very simply about what's
going to happen tomorrow in the senate. Are you confident that senate
Democrats are going to pass your reconciliation bill of fixes, word for
word, this week?
REP. STENY HOYER, (D) HOUSE MAJORITY LEADER: We believe that's the
case. We can't be absolutely assured, nor can senator Reid, but certainly
that's senator Reid's intent. And I think it's an intent of the majority
of the senate. So we hope that's the case and we expect it to be the case.
TODD: If they don't, if some parts of it get peeled away with
amendments, are you guys willing to take it up again, yourself?
HOYER: Absolutely. You know, we're going to finish the job that we
started. We had a big victory. Set the health care bill to the President
for signature. He's going to sign it tomorrow morning. And we're going
to finish the bill with the amendments called the reconciliation,
reconciling the differences between the house and the senate. And when
they pass that and send it to the President that will be the law. If they
make some changes we'll certainly be ready to receive them and consider
TODD: Is it going -
HOYER: And my presumption would be, Chuck, my presumption would be
assuming they're modest changes we would pass them and send them to the
TODD: You would accept it word for word going the other way as long.
Okay. Fair enough. Is it going to be easier, are you going to lose more
Democrats who voted no on health care or more Democrats who voted yes?
HOYER: I hope we don't lose on either side. Whether --
TODD: Of course.
HOYER: -- a member voted no or yes. And I don't want to make that
calculation. I don't—obviously, either vote was controversial with
some. But - what I really believe—
TODD: Do you think it's easier done as a yes or a no?
HOYER: Excuse me?
TODD: Do you think in these tough swing districts, these McCain
districts, for instance, it's easier to run as a yes or a no?
HOYER: Many of our members made a calculation it was easier to run as
a no. And some made calculation that they could run as a yes, but the
real, I think, bottom line is going to be, I think what happened yesterday
was the Democratic Party told the American people, the President told them,
we've told them that we believe there ought to be affordable, accessible
health care for all Americans. We acted upon that last night and we acted
successfully. I think the component parts of this bill, people are going
to find out that young people who can't find a job coming out of college -
TODD: Right.
HOYER: Are going to be insured immediately. And that they're going
to have annual caps on their out of pocket expenditures. They're going to
have no lifetime limits. The small businesses are going to get a tax break
so that they can get insurance. And those in high-risk pools will have a
high-risk pool immediately available to them.
TODD: Right.
HOYER: So we think it's going to be a positive effect on this bill.
As you've heard me say, Chuck, in the past.
TODD: Right.
HOYER: The internals on this bill pulled very well.
TODD: Sure.
HOYER: We think bill is going to be accepted well.
TODD: Yes.
HOYER: By the American people and, therefore, will be of -
TODD: Right.
HOYER: Help for Democrats running whether running in no or yes
districts as you pointed out.
TODD: I understand. Very quickly. If you lose the majority this
year, was this worth it?
HOYER: Yes. Absolutely. We're not going to lose the majority this
year. We're going to retain the majority this year. We have some
extraordinarily good members who are going to bring a message to the
American people that this will make America healthier and stronger. Better
economically and certainly better -
TODD: All right.
HOYER: We're going to bring down the deficit with this bill as well,
TODD: All right.
HOYER: On all of those messages we're going to retain the majority.
TODD: Congressman Steny Hoyer, sorry about your Maryland Tarapins,
but it was a heck of a game that you probably missed.
HOYER: Oh it was a heck of the game.
TODD: Because of negotiations.
HOYER: It was a terrible, terrible blow to lose in the last three
tenths of a second. But the Tarps had a wonderful season. Garry Williams
Coach of the year.
TODD: All right.
HOYER: It was a wonderful season.
TODD: Thanks very joining us. All right.
HOYER: Thanks Chuck.
TODD: I want to turn - okay, thank you, Congressman. I want to turn
to NBC's chief justice correspondent Pete Williams. We've heard a lot
about these lawsuits that some state attorneys generals are filing. Some
have filed or plan on filing. All Republican attorney generals in
Virginia, we've heard about South Carolina, Florida, about nine states
maybe will get up to 13. Explain what the lawsuit is. What standing they
think they have.
PETE WILLIAMS, NBC NEWS JUSTICE CORRESPONDENT: Well basically their
argument is against the part of the bill that basically says if you don't
have insurance you have to buy.
TODD: The mandate.
WILLIAMS: And if you don't buy it you get taxed.
TODD: Okay.
WILLIAMS: Their argument is the constitution doesn't give Congress—
TODD: You said taxed, not fined.
WILLIAMS: Well I'll get to that in a second. But -
TODD: All right.
WILLIAMS: The constitution gives Congress very broad powers to
regulate commerce. Now here's the objection. If you're in the --
TODD: So-called commerce clause.
WILLIAMS: Right the commerce clause. If you're in the stream of
commerce, then Congress can regulate what you do. Their argument is if
you're outside the stream, you're not doing anything --
TODD: Other than living.
WILLIAMS: You don't have any insurance.
TODD: You're just a living person. A living American.
WILLIAMS: Right then you can't be regulated. This is regulating
people who do nothing. This is like saying, you know, I don't have a car
but you have to buy car insurance anyway, is their argument. Now, the
supporters of this say, no, you, in fact, are doing something. You're
going to go to the emergency room. You're going to mooch off your parents
or your friends. You do affect interstate commerce. And they say Congress
has broad powers to regulate things that affect the interstate commerce.
That's one argument.
The second is this thing we talked about earlier.
TODD: Okay.
WILLIAMS: Is it a tax? In which case there's broad taxing
authority. Or is it as the opponents say, in fact, a fine? And they say
that is beyond Congress' authority. Now, these are actually pretty serious
questions. And it's pretty clear Congress has never passed anything quite
like this.
TODD: Okay. Explain how this lawsuit process will work. So attorney
general "x" files a suit where?
WILLIAMS: Right. Go to federal court. Go to federal court.
TODD: Right, federal court. The first level of court that would
hear this would be --
WILLIAMS: No and there's the one question. Can they get through the
TODD: Okay.
WILLIAMS: The lawyers call this legal standing. Do they have
authority to bring this case? I must say it's not instantly clear what a
state's argument is here. And we're going to have to see how the attorneys
general developed all this.
TODD: It may actually have to be an individual who gets the fine and
they would have to bring it?
WILLIAMS: Yes one problem is this mandate thing doesn't kick in until
2014. So the question is, can you file a lawsuit if nobody's harmed by it?
Can you file it now if no one's harmed by it until 2014?
TODD: Be destined for a Supreme Court if it did get some standing,
WILLIAMS: Well yes if—I can't imagine someone won't try to bring
it to the Supreme Court. And then the question is, does the Supreme Court
want to jump in and overrule an act of Congress? Sometimes they do and
sometimes they don't.
TODD: When was the commerce—the commerce clause was cited in the
last 20 years.
WILLIAMS: It's been cited a lot.
TODD: No, I mean, in—tried to be used and the courts wiped out a
law. There was one big law, right, the Domestic violence --
WILLIAMS: A section of the violence against women act. The gun-free
school zones act. But the commerce clause—it is a two-edged sword.
Sometimes it strikes down acts of Congress and sometimes it upholds them.
TODD: Right Pete Williams doing an episode of paper chase for us.
Anyway thanks for joining us.
TODD: Up next, a sitting congressman calls Bart Stupak baby killer
on the house floor.
Tea party protesters throw racial and gay epitaphs and Democratic law
makers. And Rush Limbaugh vows to wipe out any Democrat who supported
reform. Can Republicans defend these attacks of those from the far right?
This is "Hardball" only on MSNBC.
TODD: Welcome back to "Hardball." time for the "Politics Fix." the
president's success this weekend came amidst some of the most rancor we've
seen in a while inside and outside the house, what will be the fall out.
Eugene Robson is the Pulitzer prize winning columnist for "Washington
Post." And Richard Wolffe, is an MSNBC political analyst and author of the
book "Renegade." it was decorum in the House seems to have gone reverted
back to the 19th century. Let's - we got - let's listen to Bart Stupack
getting heckled.
BART STUPACK: Those who were shouting are out of order.
TODD: Now, we have identified who this person is, Gene Robinson.
EUGENE ROBINSON, MSNBC POLITICAL ANALYST: It's congressman
TODD: Eddie Neugebauer Republican from Texas.
ROBINSON: Right. And he says he wasn't yelling at Stupak, he was
just yelling in general, I guess, at the legislation, or at the theories, I
don't know who he conceivably was yelling at. But it - we're talk about
breech of decorum.
TODD: Well if he erased, Richard, have we erased this, whatever—
there used to be some barriers that you just didn't do. You know, whether
it was, you know, we stop calling people Mr. And Mrs., you know whatever it
is. And suddenly now we are throwing—it's so easy for people to just
show up in Congress and throw names.
RICHARD WOLFFE, MSNBC POLITICAL ANALYST: Right.
TODD: Call people names.
WOLFFE: Well I guess it's a mirror to society and it's also a mirror
to the political discourse that goes on now through all the blogs and
twitter and everything else. People find it much easier to be direct. But
I think there is a political element to this, which is that they're
expressing the anger they're hearing, and the question is, does it speak to
anyone other than the base?
Do you actually appeal to people with this kind of anger, this kind
of gut feeling? And I don't know that the people who are turned off by
politics really go for this. Your base? Fine. If your midterms are at
the base, they're going to love this stuff.
ROBINSON: I think there is more to it than that. I think these guys
really mean it. And you know—
TODD: What do you mean by that, when you say they really mean it?
What do you mean by that?
ROBINSON: Well the Republican party has become much more
conservative. The House.
TODD: The Republican party or what we're hear something.
ROBINSON: The house Republican caucus is much more conservative than
it was ten years ago, or 20 years ago.
TODD: Part of that is all their moderates lost.
ROBINSON: Exactly. All their moderates lost, and there's a strain of
thought that is—it's not quite libertarian, but it's fundamentalist in
terms of constitutional rights and, you know, founders' intent and anti-
government. And I think this is—and that sort of thing just comes out,
I think.
TODD: All right Richard, take a listen to Rush Limbaugh today and
his reaction.
RUSH LIMBAUGH: They must, my friends, be hounded out of office.
Every single Democrat who voted for this needs to know, safe district or
not, they are going to be exposed and hassled and chased from office. We
need to defeat these bastards. We need to wipe them out.
TODD: How does a Republican member of Congress, they can't—if
they sort of go against and say, you know what? He was out of line, he was
too much. They would risk offending the base.
WOLFFE: You don't take on him, but he's not a political strategist.
Okay? His strategy is to get people fired up and listening to his show.
So it works on a commercial basis, and it works because if people aren't
angry, they're not going to listen to him.
But Republicans need to figure out how to get more than the 20
percent of the electorate, 30 percent of the electorate who are fired up by
this kind of thing. And yes you cannot take Rush on because you're going
to provoke a challenge from your right, as Gene said, that's where the real
threat comes from any of these members of Congress now.
But reaching the soft Republicans, the disillusioned Republicans, the
growing base of independents, Rush Limbaugh calling people those kind of
things is not a civil way to have public discourse.
TODD: Right both of you are going to have to hold on a minute, we're
going to do a break, we are going to come back, you'll get the first word
coming back.
Coming up, who's going to pay the biggest political price over health
care? President Obama? Maybe one of the house Democrats that voted yes?
Or how about the leading Republican candidate for President in 2012? You
are watching "Hardball" only on MSNBC.
TODD: We are back with "The Washington Post" Eugene Robinson and the
author of "Renegade" Richard Wolffe. Who's got a bigger problem selling—
dealing with the health care issue, President Obama or Mitt Romney? Robert
Gibbs talked about it, he said I know Mitt Romney winces every time I
compare the President—
ROBINSON: Well exactly—the guy who invented Obama care -
TODD: Right.
ROBINSON: Mitt Romney in Massachusetts when he was governor. I mean
that is a huge problem for him if you compare the two pieces of
legislation, and you look at the Obama plan, based on the Massachusetts
TODD: With the mandate and everything.
ROBINSON: Exactly. I think it's a huge problem for him.
TODD: Richard he came out with an aggressive statement today. This
act needs to be repealed. The campaign starts today. He means his own
primary campaign, doesn't he?
WOLFFE: Right, right. And the problem for him and Republicans in
general is it's already a race to the right. Typically this would happen
later. When George W. Bush had to attack Right, it was under duress, it
was South Carolina. I was with him at Bob Jones University.
TODD: Right, right.
WOLFFE: Okay and he never live it'd down. If you have attack to the
hard extreme right of your party, then you are going to be in trouble
attacking back for the general. And Barak Obama survived precisely because
on health care he didn't attack too far on the Left.
TODD: Some conservatives seem to be skeptical about how serious
Romney is about whether he regrets the Massachusetts health care plan.
ROBINSON: Well it's difficult, Mitt Romney I think is a talented
politician, and so, it's somewhat Mallable, shall we say, in his apparent
core beliefs. But I don't know how he quite slips out of this one, and I
think there will be skepticism about how serious he is about, let's repeal
it now.
TODD: And how much does the fact that the Scott Brown victory, it
will happen in Massachusetts, it centered on health care, and yet he's got
to explain his way out of it?
WOLFFE: Well he shouldn't try to explain his way out of it. There
are only so many chances you have to reinvent yourself. He cannot really
run away from health care. And authenticity is going to be key. It was in
2008, it's going to be the same in 2012 for the Republican candidates. So
you know he has sort of a credibility question about himself if he's
abandoning a centerpiece of what he did.
ROBINSON: The evil twin defense I think is -
TODD: The problem is he just went through this in that last
campaign. All right Eugene Robinson and Richard Wolffe, thank you both for
being here. Chris Matthews returns tomorrow after marrying off his son.
For "Hardball" at both five and seven eastern "Countdown" with Keith
Olbermann starts right now.
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Rate this article and enter to win
SH101 asked more than 2,000 students what they learned the hard way. Check out their recurring themes and highlights — so you can have it easier.
Experiment with courses in subjects you've never tried before.
Get to know your professors, TAs, librarians, and RAs.
It's OK to go to places by yourself.
Introduce yourself immediately to those sitting by you in class.
Get into a routine of working out.
Office hours are some of the best time investments one can make.
Sleep is so worth it.
It's OK to mess up sometimes.
Utilize all the resources, even ones you think you don't need.
You can get help on campus for virtually everything.
Don't freak out too much. We all feel the same way.
If it doesn't feel right, say something.
Don't compromise yourself to make someone else happy.
Schedule everything in your calendar.
Say a kind word to the people around you.
Spend less time on your cell phone and Netflix.
Get involved! It will change your entire university experience.
Eating out is the biggest contributing factor to money loss.
Work becomes exponentially harder the longer you wait to tackle it.
Read Student Health 101.
Get help or find out more
5 tips to survive (and thrive) freshman year: My College Guide
8 campus resources you should know about: College Parent Central
10 money-saving strategies for college: Forbes
50 ways to make friends in college: About Education
Class scheduling dos and don'ts: CollegeView
Article sources
Student Health 101 surveys, April 2015 and April 2016.


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Ordained by God
In the 1950s, a very popular song proclaimed "He's got the whole world in his hands!" Insofar as it had any theological content, it presumably spoke of the beneficent control by the Lord of all that He has made …Read More
A Loving Provision
In recent years, we have been treated to the invention of a word previously unknown, or at least not used. That word that has entered into the general vocabulary of our time is the word oxymoron. A typical example of …Read More


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Electrical fires continue to be a leading cause of home fires, according to a new report from the National Fire Protection Association (NFPA). Released during National Electrical Safety Month (May), the report is a reminder for the public not to forget about electrical safety and to adhere to safety tips to help reduce the risk of home electrical fires.
"Electricity literally runs modern lifestyles by powering the amenities that so many of us depend on day to day, so fire safety is something to keep in mind whenever electricity is being used," said Lorraine Carli, NFPA's vice president of communications. "There are lots of simple things each of us can do to prevent electrical fires, like keeping lighting fixtures and light bulbs away from things that can burn, and never using extension cords to plug in major appliances."
According to the report, in 2007, electrical failure or malfunction was a factor contributing to ignition in an estimated 51,800 reported home structure fires. Of the 2003-2007 home electrical fires, 46 percent involved some type of electrical distribution or lighting equipment. Other leading types of equipment involved in the ignition of electrical fires were washers and dryers, fans, air conditioning equipment, space heaters, water heaters, and ranges.
Six percent of 2003-2007 home structure fires involved electrical distribution or lighting equipment as equipment involved in ignition, making it the fourth major cause of home structure fires, following behind cooking equipment, heating equipment, and intentional.
NFPA offers the following safety tips on electrical safety:
To learn more about electrical safety, please visit www.nfpa.org/electricalsafetymonth.


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text:
The Chicago Bears never have finished above 23rd in total offense in Jay Cutler's four years at Soldier Field. Despite that fact, Cutler continues to lead a supiciously consequence-free existence. Call him Teflon Jay.
Need evidence? How about this glowing endorsement by Bears chairman George McCaskey on Monday:
"I think he's an outstanding leader. He reminds me a lot of George Halas, as a player," McCaskey said, via the Chicago Sun-Times. "Outstanding competitor, toughness, and will do anything to win.
Jay Cutler. Papa Bear. Hmmmmmmm.
"Jay Cutler is the most talented quarterback the Bears have here in the last 60 years," McCaskey added. "He's a very good quarterback. He wants to be great, and he needs to be great, and we need to do what we can to achieve that."
Bears general manager Phil Emery said Lovie Smith's replacement at head coach will have input on the quarterback position. That said, don't expect Cutler to leave town any time soon.
"I see Jay as a franchise quarterback," Emery said. "We have to build around him."
We don't disagree Cutler is the best quarterback the Bears have had in decades, but that's not saying much, either. If Chicago is going to take the next step, Cutler needs to improve, along with the offense.
Follow Dan Hanzus on Twitter @DanHanzus.


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Turning a New Page: An Interview with Allan Fisher
Tabletalk: How did God call you to the vocation of book editing and publishing? Allan Fisher: God called me to Christian publishing in a variety of ways, only a few of which I will mention here. Through an excellent fourth-grade …Read More
Between Two Worlds: An Interview with Justin Taylor
Tabletalk: What led you to start a blog? Justin Taylor: One of my favorite parts of elementary school was "show and tell." I've always enjoyed sharing with others those things that I find fascinating. Eight years ago, I would …Read More
Christian Publishing
Looking for things for which to thank the Lord this Thanksgiving? Start by asking this question: Where would my church be without Christian publishing companies? Imagine your pastor preparing his sermons week in and week out with only a …Read More


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A Ferrari that was once owned by former Lexington mayor and self-made millionaire Eddie Smith is being auctioned off this weekend.
A Ferrari that was once owned by former Lexington mayor and self-made millionaire Eddie Smith is being auctioned off this weekend.
It just so happens that it is one of the rarest cars ever crafted by Ferrari and is expected to bring at least $14 million at RM Auctions in Pebble Beach, Calif., on Friday and Saturday.
"It is bittersweet feeling," said Eddie Smith Jr., Smith's son. "We have had 45 years of wonderful memories driving to Florida to the races, and my sister, Lynda, spent a lot of time with Dad and the car, but we feel it is important to further his legacy. I think this would make him happy"
An interview with Smith discussing his father's life and legacy will air on "CBS This Morning" between 8 and 9 a.m. Friday.
Smith, who died in 2007 at the age of 88, is one Lexington's most cherished rags-to-riches example of the American dream. He spent his childhood as an orphan at what is now the American Children's Home, started his own mail order company and made a personal fortune. As a private citizen, he dedicated his wealth and leadership to many civic causes.
Smith was an avid car enthusiast who was known to make practice runs at international raceways in one of the several Ferraris he owned while wearing his fireproof driving suit. Because of his passion for cars, Smith became friends with Luigi Chinetti, the man who launched Ferrari's U.S. business and helped build its racing reputation. Chinetti talked the founder of the car company, Enzo Ferrari, and coach builder Pininfarina into building him a convertible model of the 1966 Ferrari GTB 275/4 with its 300 horsepower V-12.
Chinetti planned on building 25 of these cars, but only 10 were built. Smith picked up his car at the factory in northern Italy in 1966 at a cost of $8,000. Those 10 cars — dubbed the N.A.R.T. Spyder, for Chinetti's North American Racing Team — rank among the most desirable Ferraris ever built.
Since Smith's death in 2007, the car has been stored in a specially built garage within an airplane hangar, complete with his racing suit and worn deck shoes that he wore when he drove.
"It has been in prison in that garage," Smith said. "Dad wouldn't want the car to be shut away, he would want it to be enjoyed. Even when the value reached went over a million dollars, he would still drive it."
RM Auctions suspects that Smith's old car may be one of the most expensive vehicles ever sold at Pebble Beach. Smith says that he knew the vehicle was highly valued but was shocked when the estimated price was listed at $14 million. In keeping with their father's teachings of generosity, the Smith family will donate all of the proceeds of the auction to a variety of charities.
"We don't want to name which charities, but we have several causes that are near and dear to our heart," Smith said. "We are really excited that selling this car will touch thousands of people's lives. He always taught us to give back, so I know Dad would be pleased."
The family decided to sell the car after an experience in Savannah, Ga., last year. They brought the car to a Ferrari Club of America meeting where his entire family and the Ferrari community celebrated Smith's life.
"People enjoyed the car so much that it almost brought them to tears," Smith said. "So we decided the car needs to be somewhere where it can be seen and appreciated."
Smith said that even though his father owned several Ferraris, the N.A.R.T. Spyder was his favorite.
"Others came and went, but he hung on to this one because he loved it," Smith said. "It wasn't because it was collectable, but because he loved the look, the sound and the feel of it. He wouldn't sell it for any price."
Smith was born in Wake County and lived with his siblings at the Junior Order Home outside Lexington after their parents died in the 1930s. After he turned 17, Smith ushered at the Carolina Theater in Lexington, where he met his wife, Sarah Lanier.
After six years at Lexington Mail Order Co., he went out on his own and started National Wholesale Co., a mail-order hosiery business. Smith was mayor of Lexington between 1970 and 1975. He chaired boards for Lexington Memorial Hospital, Davidson County Community College and the Lexington Area Chamber of Commerce.
Smith himself never forgot his orphanage upbringing, even rising early every morning to cook breakfast for his employees. He led fundraising drives for the local hospitals and the Davidson County Library Foundation. Smith also raised money to save and improve the Carolina Theater and turn it into the city's civic center, which was named for him in 1995. He was also a private pilot who believed a good air facility would attract economic development and helped win state and federal grants for the Davidson County Airport.
Smith Jr. said many people have memories of his father driving one of his Ferraris around Lexington. He says he is proud of what his father has accomplished and is happy that he is still giving back to the less fortunate even years after his death.
"Not too shabby for a small-town boy," Smith said.
Sharon Myers can be reached at 249-3981, ext, 228 or at firstname.lastname@example.com.


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Trying to improve your credit can seem impossible when lenders are fearful and you're strapped for excess cash.
But don't give up hope.
"Focus on where you are right now and do what you can with what you have," said Justine Rivero, a credit advisor with Creditkarma.com.
You can make progress—even on old, negative debt—and start to rebuild your credit and therefore, your future.
Here's how to do it step-by-step:
Consider debt counseling.
You'll have to close all your accounts, which will negatively impact your score in the short run, but by the time you've reached this point you should just be focused on paying off your debts, said Gerri Detweiler, an expert with Credit.com.
Closing your accounts won't lower your score as badly as you might think.
The National Foundation for Credit Counseling maintains a list of member organizations, many of which are nonprofit and provide free or low-cost assistance.
Work with the credit bureaus.
Errors sometimes happen with debts paid after they've gone to collection agency. The bureaus might need to update the debt as "paid in full" instead of deeming it "outstanding."
Other times bureaus forget to take off old defaults or bankruptcies, which should only stay on your record seven to ten years.
If you approach a credit bureau, make sure to send a letter asking to have the debt verified and to update your report.
Beware of shady debt settlement companies.
Don't think you can wave a magic wand and make your bad credit history disappear, said Detweiler.
"Debt settlement" companies promise to negotiate with creditors and lower the principle you owe, but they over-promise and are a waste of money, she said.
If you really need counseling, visit a credit counseling agency.
Fight against debts you discovered after they were passed to a collections agency.
Detweiler said she sees this happen with medical bills and charges from cell phone companies.
While negotiating the item, ask the creditors how they're listing terms on your report. Outstanding debts can read "not paid," "paid in full" or "in dispute," and all reflect differently on your score.
For example, if you make a payment to the collection agency, you might be able to get the status changed to "paid in full" while you make other payments.
If you're four to five months behind on your credit cards, you can also negotiate the principal on the debt, said Detweiler. Reaching a settlement won't improve you credit score per se, but it will help you reach your bottom line (and not get sued).
Invest in a secured credit card.
They'll provide you a current credit reference once all your accounts have been closed because of, say, bankruptcy, said Detweiler.
Just remember the limits are small because they're based on how much you deposit. So if your limit is $500, don't use up $450, which will look like you're using 90 percent of your available credit and put another ding on your credit report.
Detweiler recommends using the card for small, set expenses every week or month, like groceries.
Keep the card active and pay it off on time.
Start paying your bills on time.
This makes a huge difference on your credit score, and has become even more impactful in the last two years, said Detweiler.
"It's one of the most predictive things of whether someone will pay their debt," she said.
The senior vice president of research for VantageScore, a credit scoring firm, told Time's Moneyland that paying your bills on time makes a 50-to-60 point difference on your report.
Don't worry as much about old debt.
The older the debt, the less it affects your credit score.
So if you have two items on record, both of which you'd like to dispute, focus on fixing the newer item. That's the one that's weighing you down more.
The same applies to other black marks like mortgage default or bankruptcy.
Try not to apply for too much credit at once.
Each hard inquiry, or pull of your credit report by lenders, counts against your credit score.
So if you plan on applying for a loan, go for one or two you think you'll qualify for instead of taking the shotgun approach.
Rivero recommended using one of CreditKarma's "credit report card" features which shows what kinds of loans and credit cards people might be eligible for, depending on their history.
Lower your utilization rate.
You should only be using about 30 percent of the credit available to you, said Rivero. Using too much will be a big knock against your credit score.
She recommended either paying down your debts or increasing your available credit to improve your credit utilization.
Keep in mind, applying for additional credit will result in a hard inquiry and slightly lower your score, so don't apply for too much credit from many sources at once.
And if you choose to pay off your debt, pay off the cards with the highest interest rates along with the ones you've already maxed out.
Pick up another loan or mortgage (really).
Lenders want to see you can manage different types of credit, said Rivero, so if you prove you're capable, it will make your future borrowing endeavors much easier.
Be Patient
Letting time pass while you make your payments on time is your best bet for upping your score, said our experts.
Also, know that it's easier to increase a 600 score more than an 800 score.


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The U.S. jobs environment has picked up steam this year, and data details to be released Tuesday will paint a picture of the labor market's strengths and weaknesses.
Specifically, markets will learn from the government's report on its monthly job openings and labor turnover survey, or JOLTS:
- how many jobs were open in June
- how many workers were hired
- how many workers were fired or were laid off
- how many workers quit their jobs
Taken together, these data "describe the underlying dynamics of the labor market," Federal Reserve Chairwoman Janet Yellen remarked last year.
The good news is that job openings have trended higher in 2014, reaching above pre-recession levels. The most recent data showed that monthly job openings hit 4.6 million, compared with 4.3 million when the recession started at the end of 2007. Here's another positive trend: monthly quits recently hit the highest level in six years.
However, monthly hires have yet to surpass pre-recession levels and there are still more than three million long-term unemployed workers.
The U.S. Labor Department will release the jobs-openings data at 10 a.m. Eastern.
Earlier Tuesday, the National Federation of Independent Business will release its monthly gauge of small businesses for July. The NFIB said its gauge of small-business optimism fell 1.6 points to 95 in June. The July data will be released at 7:30 a.m. Eastern.
--Ruth Mantell
Follow Ruth on Twitter @RuthMantell
Follow the Capitol Report blog on Twitter @CapitolReport
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Republican plan to balance the budget is naive, analysts say


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Erin and Nicky
When Danny and Baez suspect a little girl might be the victim of a kidnapping, the girl's mother denies it, but her story doesn't add up. Meanwhile, Frank pays a visit to a priest, a counselor to the NYPD, who was arrested on a DUI charge, on BLUE BLOODS. CBS ©2013 CBS Broadcasting Inc. All Rights Reserved.Pictured: Bridget Moynahan as Erin Reagan-Boyle, Sami Gayle as Nicky Reagan-Boyle.


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A Day of Snow (not to be confused with a Snow Day)
By March I'm sure I'll be complaining as loudly as anyone, but today is New York City's first snowfall of the 2003-2004 winter season, and I am as happy as anyone who is inside a warm building on a cold day can be. I have the great good fortune to work up the street from Grand Central Terminal, so when I step out of the building and face south, I get a great, dramatic view. Actually, what I have is a view of the New York Central building, which is not technically Grand Central Terminal, even though, unconsciously, I look at the clock face on the building and automatically register it as a part of the station in my mind. Whatever it is, it looks great in the snow. It looks a New York Christmas gingerbread fantasia, the source of dreams in which you come into the city via a gorgeous old railway terminal, walk in the cold (but not too cold), snowy (but not too snowy) air, doing all of your Christmas shopping at elaborately-decorated department stores bustling with holiday activity (but not with a crowd big enough to get on your nerves, and with a ruthlessly efficient sales staff and a perfectly-modulated thermostat). You finish your shopping trip with a visit to one of those little French chocolate shops or patisseries where they make hot chocolate by heating up a pot of cream and dissolving a chocolate bar into it. If you had to set this scene to music, you'd set it to "Promenade" from Pictures at an Exhibition by Mussorgsky.
Of course I am old enough to know better. Half the Christmas-shopping visitors in New York have this same fantasy, and surge into the city to find it. The other half are not troubled with fantasy; they want to go to the big Toys 'R'Us in Times Square, the one with the Ferris wheel, or they want to go to FAO Schwarz, where the crowds surge to near-Beijing proportions. The cold is always too cold, the snow is always too snowy, and the natives want you to know that they're fed up with it. (I know I'm risking the wrath of my fellow New Yorkers, but really, when did we get so soft about a little cold weather? It's a northern city on the freakin' East Coast! It is supposed to snow in the winter! It is supposed to be cold, and painfully so, so that when May finally rolls around and those soft sweet May evening breezes roll in, we can sigh happily and know that this is our just reward for three months of subzero wind chills! For God's sake, you're New Yorkers, you've made an industry out of bragging about how we're tougher than anyone on Earth, even Mongolians, even Texans, and yet as soon as the temperature drops below freezing, the first thing you do is whine and lose all sense of peripheral vision as you're walking down the street? Sheesh. Move to Boca with your grandparents, already.) Because they're fed up with it, their tempers are even more on edge than usual, and they are more inclined to a) shove you, b) pick a fight with you if you shove first. (More risking of wrath: Why is it that during the big, potentially panic-inducing moments like the WTC attacks and the blackout, do we all show each other such kindness and forbearance, and yet when a subway platform floods and two people bump into each other, those two people come to blows? Are we really social idiot savants as far as our fellow man is concerned?) If you had to set this scene to music, you'd set it to something from Einsturzende Neubaten or Lou Reed's Metal Machine Music. It is the reason that I talk fondly of the Christmas shopping trips to Wanamaker's in Philadelphia that I took as a child, and yet my actual Christmas gifts are either bought online or are homemade. (I justify spending ridiculous amounts of money at the farmer's market in the summertime by telling myself that today's $40 flat of strawberries is tomorrow's gift basket o'jam.)
So I know better, and yet I still succumb, just because it's so beautiful. There's something about that first snow, the moment that it falls, before we get a chance to drive over it and turn it grey, or walk over it and turn it to ice. That snow, it makes a loud place quiet, and a quiet place quieter. When I lived in the country, in a deeply rural, isolated stretch of Pennsylvania, I would go outside during snowstorms and the air would be so quiet that the quiet was almost a sound itself, a sound without sound, in the same way that the scent of snow is a scent without scent. In Midtown, nothing ever gets that quiet—or unscented—but it still takes on its own peacefulness, a sense that things are slowing down, and while you are certainly welcome to bitch about how you hate to slow down, still, wouldn't it be nice, just this once, to slow down a little, to feel that you have fallen into a painting that has been painted just for you?
What we're eating
I am at heart a baker, not a cook, so I don't have bragworthy cooking skills. While I certainly know how to put together something that I like to eat, and while I know that Lloyd likes just about everything I've ever made him, in general I see baking and preserving as the place where I can flex a little creative muscle, whereas cooking is, well, cooking. It's a nice way to relax after a day at LutherCorp, and it is a source of creative-muscle flexing on holidays like Thanksgiving, but otherwise it is a doddle, a trifle. (Well, not a literal trifle.) Having rabbited on thusly, I will confess to being inordinately proud of the turkey a la king I made this week with the last of the Thanksgiving birdy and a quart of the stock. I think it's because after spending half my life reading about proper technique, I am finally picking some things up. I was able to make a nice thick rich clear sauce without having to resort to the 5 tablespoons flour: 1 cup liquid that so many recipes resort to, a technique that, in my opinion, produces a gluelike horror of a sauce. Instead I made a beurre manie (paste of equal weights of flour and butter) and added it in dime-sized bits, after a technique I read in Ma Gastronomie by Fernand Point. This is not particle physics, it certainly isn't anything new, and it's not the exclusive provenance of French chefs—Karen Hess refers to it frequently in The Taste of America—but for some reason I was surprised to see how well it worked, and I felt like it was a reward for being patient and mindful: pay attention to your sauce, and that sauce will pay you back for that attention. To go with the a la king, I made little baking powder biscuits, using the recipe on the back of the Bakewell Cream tin. (Bakewell Cream is a cream of tartar substitute that is sold in New England; I order mine through the King Arthur Flour Baker's Catalogue. If you'd like the recipe, please feel free to e me.) It had been a long time since I baked anything on a weeknight, and I had forgotten what a pleasure it was. Although I am more of a yeast baker than a chemical leavener baker, I have to admit that I love a well-made baking powder biscuit. Usually I make them with buttermilk, but I ran a little short of buttermilk, and thus was forced to substitute heavy cream for the rest of the liquid. Gee, what a shame. grin
Courtney has asked if I would be interested in doing a TypeList of worthy cookbooks. Honey, I'd be glad to, but do you know what you're getting into, asking me a question like that? I mean, yes, I'd be glad to. Until I actually get my act together, let me start by recommending this one. I have a lot of baking books. I have four books dedicated to just pies and pastry, and I use them all. But Ken Haedrich's book is the only one that I am bound and determined to bake my way through. There are 100 recipes for apple pie in this book. I've made 5 of them. Tomorrow I'll be making the caramel-nut version. At LutherCorp's Thanksgiving potluck, I made an apple-cherry-vanilla bean pie with a blond streusel top, and the resulting pie was so good that everyone who tried it kissed and hugged me. If this sounds like hyperbole, I promise you that it is not.
In other news
Dream Company in Vermont has called me about a job opening and asked if I will be available for a phone interview next week. I am not going to comment further, simply because I am afraid of seeing something pretty dangled in front of my eyes, only to see it pulled away as soon as I try to reach for it. I will keep my fingers crossed, nothing further. This is also the case for a culinary writing fellowship at the Writers Colony at Dairy Hollow Farm in Arkansas, for which I applied last month. Fellows are being announced on December 15. I will cross my fingers and maintain an aura of bland Zenlike calm, at least until 3 in the morning when my eyes snap open and I don't fall back to sleep until 1/2 hour before I want to wake up.
Because I know I never thanked them properly, proper thanks to Snowball and Orionoir for bringing me into the blogging fold. Snowball in particular deserves a MacArthur grant for answering my questions and listening to my general angsty ramblings without once threatening to kill me or change her e-mail address. And if you have not already done so, do take a moment to visit Orionoir's page and pay homage to his baby daughter. I think that there is a taproot of beauty that runs through (almost) all children, but this particular child is one of the few I've seen that can be judged by adult standards of beauty. There is such a brilliant future reflected in those eyes of hers.


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Vineyard Links
These are just a few of our favorite links. These links are provided to help you to make your travel easier, and to answer any questions you might have about Martha's Vineyard.
If you are interested in doing a link exchange with the VTA, please email
Steamship Authority
Island Queen
Hyline Cruises
Rhode Island - Martha's Vineyard Fast Ferry
Sea Streak - New Bedford Fast Ferry
Local Hotels / Resorts and Restaurants
Winnetu Oceanside Resort and Lure Grill At South Beach, easily accessible via VTA Route #8
General Information
Martha's Vineyard Chamber of Commerce
Martha's Vineyard Online
Martha's Vineyard Vacation Tips
Martha's Vineyard Info - General
Cape Cod & Islands Travel Guide
Vineyard Village at Home
This Week on Martha's Vineyard
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County of Dukes County
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Town of Tisbury
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Martha's Vineyard Community Services
Elder Services of Cape Cod and the Islands
Dukes County Housing Authority
Martha's Vineyard Hospital
Martha's Vineyard Commission
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Martha's Vineyard Ocean Sports
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Peter Pan Bus Lines, Inc.
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Logan Airport - Boston, MA
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Real Estate / Rentals
FREE Real Estate Market Update
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Want to do a link exchange? Email


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DuPont Packaging Survey Results: 'Convenience' Food Packaging Changed Our Lives
Recloseable packaging and microwaveable plastic trays top the list of packaging breakthroughs that changed our lives, according to the nearly 300 people who visited this site from April 9 through May 10, 2013 and voted.
"Over the 25 years, the DuPont Awards for Packaging Innovation has attracted a wide variety of truly innovative packaging developments, making this anniversary event the perfect time to honor those past achievements," said Shanna Moore, leader/of the DuPont Packaging Awards program. "In reflecting back on these breakthroughs, it's hard to imagine what everyday life would be like today without them."
DuPont created the voting project after reviewing hundreds of past DuPont Packaging Award winners and identifying six breakthrough groups that impacted our lives. Descriptions of those breakthroughs are below.
Invention 1 – Hot Fill
Did you enjoy juice from an unbreakable plastic bottle this morning? Or perhaps the applesauce or catsup bottle you dropped in the kitchen bounced instead of breaking. Thank PET bottles capable of handling "hot fill." And celebrate innovators like Ocean Spray, S.A. des Eaux Minerals d'EVIAN and Seneca Foods Corp. for embracing the opportunity. Today there are fewer injuries as a result and significantly lower energy needed to transport food around the world.
PET bottles for hot-fill allow us to have juice, energy drinks, and other food products packaged in plastic. These plastic bottles are much safer than the original glass bottles which were prone to breakage. This is especially significant for products handled by children such as catsup. The first PET bottles for hot-fill featured thick panels on the walls of the bottles that prevented distortion as the bottles and their contents cooled down. Over the years, companies were able to eliminate both the label crinkling and the heavy panels.
The light-weight PET bottles are shock-resistant, which protects the product from external impact and allows the product to be transported and distributed to other areas easier. The lower cost PET bottles contribute to a wider variety of food/drinks being offered in supermarkets. These bottles are also easily recyclable.
Invention 2 – Retort and Aseptic Techniques
Love them or hate them, shelf-stable foods that don't need refrigeration helped enable an "on-the-go" lifestyle. Campbell's in 1986 was the first to capture a Packaging Award for adopting flexible, sterile packaging and using it to provide microwavable prepared soup that can be heated and served in one container. These techniques quickly evolved and today they play an even more powerful role in food safety and security by extending the shelf life of food to reduce waste and ensuring nutritious food can reach remote areas without spoiling.
Retort and aseptic packaging enable our on-the-go lifestyle. Originally, we used tin cans or glass, but retort/aseptic packages allow us to have the same results with flexible pouches or cartons. These packages are more convenient -- they are lighter, easier to prepare, microwaveable, and allow us to eat food away from home. Unlike their glass counterparts, aseptic/retort packages are shelf-stable and do not need to be refrigerated. We have a greater selection of food available with little effort required. The packages maintain their material integrity and protect the products from contamination (light, moisture, oxygen, microbes) during handling, processing, and transport.
Invention 3 – Microwave Revolution
Remember pre-heating the oven and "waiting" for prepared frozen meals to cook? "Freezer-to-fork" microwaveable meals in minutes - not hours – were enabled by "oven-able" materials. In 1986 Campbell's – with CPET trays that replaced aluminum – took the first award for this category. Twenty five years and billions of saved BTUs later, the industry is striving to make trays lighter, less expensive and even more sustainable. Can someone remind me what to do with oven mitts?
The invention of "ovenable materials" like those used in CPET trays changed how we eat pre-prepared frozen meals. The original frozen meals were packaged in metal trays that had to be heated in the oven. With CPET trays, we can put a tasty meal in the microwave and have a nutritious meal anytime. This enables both time-savings and energy-savings since microwaves use only a fraction of the energy used by an oven.
Invention 4 – Case Ready/MAP/Value Add
Once you realize this refers to the process of either removing or replacing atmospheric air in a meat package with a protective gas to preserve meat, extend shelf life and protect against contamination, the value is clear. Meat stays fresh and safe as it is sealed from the moment it leaves federally inspected plants until you open at home. Since 1987, when Excel Corp. took home the first award in this category for case-ready beef, the process has expanded to include marinated, seasoned, and even "bake-in-the-bag" meats that can go straight from the refrigerator to the oven for a perfect home-cooked dinner... even after working all day. So that's what the oven mitts are for!
Compared to the traditional way of getting meat cut by butchers at grocery stores, case-ready meats are much safer. Case-ready meats are precut, prepackaged, and prelabeled at a central facility. Since these central packaging facilities undergo more safety scrutiny and are better equipped than grocery store butchers, the possibility of contamination is greatly reduced. This also eliminates a major step in the traditional two-step process, making processing more efficient -- this enables cost and labor savings to retailers.
Case-ready packaging maintains the quality of the meat and expands its shelf life. It lets us purchase the exact portion size that we need and allows stores to have wider selection of meats that is available to us at any time.
Invention 5 – Recycled Content
1989 marked the year of the Exxon Valdez oil spill in Alaska, the dawn of the World Wide Web and the first in a long series of Packaging Innovation awards celebrating recycling efforts. The first went to Procter & Gamble for Spic & Span® available in a bottle made 100 percent from post-consumer recycled PET bottles. Over the years, the programs evolved to deal with industrial products, like agrochemicals, in programs that re-use the materials in high-value applications. And last year, an innovative project that supported a social program for low-income families in Brazil was honored.
The significance of the evolution of recycling is in the magnitude of its growth and in the innovation that took place to allow this to happen. Companies are continually developing new technology that focuses on material recycling, such as innovation that allows recycling of products that couldn't have been recycled and reused before. Companies are also participating in the recovery of used packaging materials to make new packaging.
Invention 6 – Re-Closeable
Before you skip past this one, take one minute to think about the last time you didn't have a zipper lock on your food and your leftovers ended up in the trash. Then add the beauty of the stand-up pouch – keeping nuts in the bag where they belong and you can see how re-closeable has significantly reduced food waste and how Fisher Nuts & Fruits earned the first award in this breakthrough group.
Zipper closures have changed how we reclose and store products. Instead of transferring food to a dish, we can either use the zipper on the package or put the food in a zip lock bag. This is a simple solution that is convenient for all age groups and reduces food waste. Zippers on packages provide a better air-tight reclose, reducing contamination and extending the shelf life of the product.
Still wondering what life would be like without packaging?
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