Travelers Insurance Says Policy Excludes Trayvon Martin’s Mother’s Claim

Obama’s power grab flouts Constitution
Blatant disregard of laws passed by Congress violates separation of powers
…Democrats and Republicans alike should be distressed by President Barack Obama’s disregard for constitutional limits on his authority. The president’s flouting of the separation of powers risks turning this country into something other than a representative democracy. Congress should move in a bipartisan rebuke of Obama’s overreach before he neuters that institution.
…In a blatant challenge to the legislative branch, Obama by executive order tossed out the Clinton-era welfare reform that required able-bodied aid recipients to work, saying the federal government will no longer enforce the law.
…This follows the president’s unilateral rewrite of immigration law, using an executive order to implement elements of the DREAM Act, which Congress refused to adopt. He also has thumbed his nose at the No Child Left Behind Act, and has put in place cap-and-trade carbon rules that were specifically rejected by Congress.
…He can’t do these things, by any reading of the Constitution. And yet he is. Because Congress, whose powers he is usurping, hasn’t risen to stop him.
…The Constitution separates powers between the legislative, administrative and judicial branches to more effectively limit government authority, and thus protect individual liberty.
…Obama apparently does not recognize those constitutional limits on his power.
…He is doing these things under the rallying cry of “We Can’t Wait,” contending that the gridlock in Congress caused by Republican gamesmanship is impeding his agenda.
…But this is how the founders intended government to work. The responsibility is on the president to forge a working relationship with Congress. Obama’s inability to do that does not give him the power to act unilaterally, even if it were true that the opposition wants to see him fail.
…The imperial presidency Obama is building should worry Democrats as much as it does Republicans. This has never been an “end justifies the means” nation. Even if you agree with the outcomes the president is seeking, his running roughshod over the rule of law should be objectionable, because the powers he is claiming will not be forfeited by the next Republican president.
…Democrats and civil libertarians rightly protested when former President George W. Bush used the war on terror to grab authority from Congress and the courts, particularly in regard to wire-tapping and detentions. We shared their concern then, and are even more chagrined now because Obama’s power grab comes in the domestic arena, where presidential authority is more tightly constrained than it is in dealing with national security.
…The founders were justifiably worried about an aggressive president using the office to claim dictatorial control of the nation. That’s why they so carefully limited and separated the powers.
…Every president has tried to push those limits, some with a degree of success. But few have so boldly rejected established law and taken it upon themselves to write and enact legislation.
…The Constitution doesn’t allow Obama to do that. Congress has the responsibility to tell him so.
Detroit News Editorial 8-7-12

WHO’S FAULT WAS THE BANKING CRISIS AND THE HOUSING BUBBLE BURST?
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1) Banking Crisis & Glass Steagle – The smoking gun.
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After the 1929 Stock Market Crash, in the midst of a nationwide commercial bank failure and the Great Depression, in 1933 two Congressmen put their names on what’s known today as the Glass-Steagall Act. The act separated investment and commercial banking activities. At the time, “improper banking activity”, or what was considered overzealous commercial bank involvement in stock market investments, was viewed as the main culprit of the financial crash. According to that reasoning, commercial banks took on too much risk with depositors’ money.
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Under this act, only 10% of a commercial banks’ total income could come from securities. By creating such a barrier, the GSA was aiming to prevent the banking systems use of deposits in the case of a failed underwriting job.
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In November of 1999 Congress repealed the GSA by establishing the Gramm-Leach-Bliley Act, that then President Bill Clinton signed. The act eliminated the GSA restrictions against affiliations between commercial and investment banks. In addition it allowed banking institutions to provide a broader range of services, including underwriting and other dealing activities.
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In the 8 years that ensued banks became massively overleveraged and the financial sector nearly collapsed in late 2008. To correct the error of a former Democrat President, Obama and his administration must re-implement the barrier that was so dangerously done away with in 1999. (It is not in the Dodd Frank Reform Bill)
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2) Mortgage Crisis History
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The American Dream of home ownership ran into the well intentioned but misguided fanaticism of socialist support t through governmental policies which twisted the dream to intend to provide it for all at unsustainable low cost. This was done despite the fact that not everyone is responsible enough to own and maintain a home. The banking system, as a long germ gatekeeper of home ownership, figured that out long ago. Not satisfied with the workings of the free market Congress created entities such as Fannie Mae &Freddie Mac to increase the percent of home ownership and even some States followed suit with smaller entities of a similar purpose.
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After 5 decades these socialist economic policies distorted the housing market in this country and brought about a collapse. This well meaning effort to aid anyone who wanted to buy a home ended up in an actual 100% loan approval policy that spelled our doom by artificially pumped money into the housing market for decades.
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Note that Congress privatized the program in 69 and encouraged the free market to support this two headed beast, along with State privatized entities of a similar purpose. Through privatization of Fannie & Freddie, Carters Community Reinvestment Act and Clinton’s repeal of Glass Steagall in 1999, they entangled the private market (AIG, Merryl Lynch, Banks etc.) in the mess as well. In the end, those who were encouraged to aid and abet that program are now suffering the consequences of the housing bust.
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Socialism is the root of all evil in the current mortgage / credit crisis. We need to hold accountable those who sold the socialist economic policies responsible and vote them out of office. There is no free lunch and shame on any of us who knowingly voted for the fools who promised things that were too good to be true.
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3) Go to youtube and look up the 2004 Fannie Mae hearings. See who was trying to prevent catastrophe and who was shooting for bonuses, 100% loan approvals, and claiming that Fannie / Freddie were solvent.
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UNLESS YOU UNDERSTAND WHAT (& WHO) CAUSED SOMETHING, YOU CAN’T FIX IT.