Stop the blame game and helps us out of this mess

I am tired of hearing that it is the Republican's fault, the Democrate's fault...We hear Obama attacking the Bush administration, and McCain sort of asleep to the reality of the problem. And then we have Nancy Pelosi blaming the President.
The truth is: we have a do nothing congress. And these problems did not start with Bush. They have been in the making for a while.
So if we are going to help the banks, etc. Why not help out the home owner on the verge of losing his/her home.

List of Banks Failures

Banks that have failed in 2008. This year (as of September 14, 2008) eleven banks have failed according to the Federal Deposit Insurance Corporation.
Silver State Bank , Henderson , Nev. , Closed: Sept. 5, 2008
Integrity Bank, Alpharetta , Ga. , Closed: Aug. 29, 2008
The Columbian Bank and Trust, Topeka , Kan. , Closed: Aug. 22, 2008
First Priority Bank, Bradenton , Fla. , Closed: Aug. 1, 2008
First Heritage Bank, Newport Beach , California , Closed: July 25, 2008
First National Bank of Nevada , Reno , Nev. , Closed: July 25, 2008
IndyMacBank, Pasadena , Calif , Closed: July 11, 2008
First Integrity Bank, Staples, Minn , Close May 30, 2008
ANB Financial, Bentonville, Ark. Closed: May 9, 2008
Hume Bank , Hume , Mo. Closed: March 7, 2008
Douglass National Bank , Kansas City , Mo. , Closed: Jan. 25, 2008
Click here for more information
Fannie Mae, Freddie Mac also fail. On September 7, 2008 the federal government took control of Fannie Mae and Freddie Mac on Sunday in a bid to keep the two mortgage giants from failing, catastrophes that would have made home loans harder to get and taken the nation's housing collapse to a new level of crisis. How Fannie Mae and Freddie Mac work:

Stop Using Credit Cards!!!

Anybody who has a credit card, financed a car, house, education, medical bill knows that it is a game in the banks favor. The banks charges us for everything through fees & interest rates. We are their profits, and we also pay for their mistakes, their bad loans. And congress and our political leaders in their hands. So who fights us? So is on our side. Sadly, no one.

But we do have say: our behavior. The only power the banks have over us is the fear that "you will ruin your credit score" if you don't pay. Fine. I say so what!

My recommendation for you and something I am trying to follow more each day:
1. let the bank foreclose on my house.
2. Let it ruin my credit.
3. Stop using credit cards --if you cannot pay for it in cash, then don't buy. Save up for it.

I can bet you that if more of us start doing this, the banks will care! They will not die. The laws and Congress favors them--they will come up with new products for us.

If you buy what you can afford and pay for, or only use credit for real emergencies, you will have a simpler life and probably a better quality of life.
Cut down on cable, internet, buying Starbucks, etc.
Bring lunch to work!
Take a walk with your friends and family instead of shopping.