President Barack:

Do you know the value of "a day"? Well do you? Most respectfully, shortly after your first week in office please address or ponder some of these side issues: Please find a way to address these points and issues: The homeless are multiplying like rabbits, we live in a cold winter region, what is it like in the warmer areas, we currently live in a balanced town, a fairly nice town, and yet I see homeless people everywhere as they try to head to PADS for some clothing or food relief, that's where the man jumping the expressway medium strip was headed he was headed to PADS...I didn't think of it then , only later when driving the route again did it occur to me..... It's getting harder to pay bills, wages are cut down to a minimum, but the bills don't get cut back, the same old high amounts are due, even in households where you have personally eliminated this phone package versus that phone package, this cable package versus that cable package, knocking out the second phone line entirely, shopping for groceries at a more inferior store to save the 100 or 75 or whatever it can be lowered by..... The people calling in at work, taking their additional insurance coverages off to save on money, no repairs made in the future to these vehicles., taking off their spouse or children from their medical coverages as they can't afford to pay for the others any longer, so pick the ones most healthy to date to save their imaginary monies no longer there..... The victims of identity theft we've encountered through work again, who struggles so hard to get back on their feet after these vipers have demolished their lives as they knew it, and yet the insurance companies cancel their insurance cause they could only pay $900. out of a $1200.00 bill, they are dancing as fast as they can.....and then when I get them to re-write the insureds policy they penalize them $150. more every 6 months for the cancelled item having occurred.....it has no sensibility to it........ New construction at a halt as bankers won't lend money to the companies building the homes as we've not got more stringent lending guidelines, and also more silly junk fees, stacked against lower valued parcels from 2 and 3 years ago..... the banks are hoarding these junk fees and point to try and make up for old losses which only injure further the people you were really lowering the interest rates for..... Again through work and mortgagees clamoring to be added to insurance policies I see people who have always been stable clients turned down time after time by multiple mortgage companies who keep requesting me to make these policy changes, and I have to wonder how anything can ever get better again....with this vicious cycle going on behind the scenes..... I also wonder when someone will step on the most vicious of cockroaches in our financial world = the credit card companies who continue to gouge their clients and charge 39% interest for a balance increase or one late pay.....I wonder how the hell anyone thinks this should even be legal....they are conducting themselves like loan sharks.....you should definitely step on these organizations as quickly as possible as they are positively contributing to the higher rate of foreclosures, these vermin are the scum of the earth....control them, monitor them closely and insulate the people from these outrageous, currently legal methods of conducting short term lending that becomes an albatross around the innocent users. Install laws that the interest cannot be more than 10 or 12% to keep it logical for the people instead of loaned sharked for the self/greedy. Freeze or lower the outrageous incomes and bonuses the upper management of the corporate world, financial world, the golden parachutes should be eliminated, there is no room for it in the newly needed logic of trying to heal a people. Try, and convict any of these upper management people who have knowingly committed financial crimes against the company or against the people they were representing. Protect the people who have long paid into social security, long paid into pensions, protect them from the people administering these funds who tell them there is nothing there for them or who file for bankruptcy and say the fund is gone, the funds were always supposed to be set a aside in separate accounts, protected by the pension bonds these companies carry on the PLANS/PENSIONS. I see companies going under or closing, and simply saying , "OH, the fund doesn't exist anymore?" Bullshit, it has to exist, it has to be accounted for or the bastards should be sent to jail.....for embezzlement!!!!!! Auto makers charging old time prices on vehicles, in a market where housing prices have dropped 1/3 of their value, must restructure their pricing to coincide with the current living/wage values which have been shoved onto an unwilling peoples for the last few years..... Never let the old high gas prices come back to the American Peoples, let's make accessible the newer replacements available but sidelined by the oil barons of old..... And now that the prices have been lowered let try to keep them there, and let's get the gas increases back out of our products that went up so highly in price as a result, if it's off of my gas cards now, it should be off of the groceries and every day used products stocked at the stores, this more gouging that is being allowed to continue at the worst of times, it can be abolished. I truly do hope, you are able to help the common people, the American Average people.

Regrets, I've had a few

Do you know the value of "a day"? I value my days with you the most, the others can sometimes feel like a motion that needs to be gone through to get back to you. Regrets in life, yes some. Would I have done it differently under the same circumstances, nope I couldn't have, cause I am quite simply...me. I would have made all of the same mistakes if the circumstance were same. One thing is for certain, I never regretted you.