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February 20th, 2009
03:20 PM ET

Send us your questions on the economy

[cnn-photo-caption image=http://i2.cdn.turner.com/cnn/2009/images/02/20/art.market.anon.jpg]

You’ve heard about the Stimulus plan, and the Housing rescue plan, and the TARP bank bailouts. But you still have questions, right?

Ask us your questions here, and our experts will give you some answers tonight on AC360° at 10PM ET.


Filed under: Economy • T1
soundoff (315 Responses)
  1. Deborah in Dayton, Ohio

    Ask Clark Howard if the nationalized savings and loans ever were privatized.

    Also: what's wrong with putting some banks into bankruptcy, letting them lose their toxic assets, and re-opening new banks that are private with new management with the same capital?

    February 20, 2009 at 10:12 pm |
  2. S. White

    If the banks were nationalized, could the government then reduce credit card interest rates, and perhaps also offer lower refinancing for all home owners? This would be a move to help everyone and I agree that we should not give more money directly to the banks and their shareholders. They have not proven to be wise with their decisions after the 1st 300 billion... why give them more>

    February 20, 2009 at 10:12 pm |
  3. Kevin

    i am currently deployed and i want to express the fact that everyone is complaining about the economy and not being able to pay their bills. its almost as to what happened to the fact of saving for a rainy day back when we were all in school and learning the basics of economics and the fact that you always have to save a little money for that rainy day. well that rainy day is here persay. so what happened to common sense of the population to save for a hardtime. one last thing why doesn't all of our superstars that we will without fail find a way to pay the high prices of the priviledge to watch them on t.v. to "donate" 10% of one years income to the dept of treasury to help out the people that actually pay their salaries. just a thought but why can't that work.

    February 20, 2009 at 10:10 pm |
  4. DonRoberto

    I have a B of A acct; if it is nationalized, or shut down, what happens to my money??

    February 20, 2009 at 10:06 pm |
  5. eric walker, miami fl

    What happended to PMI?

    February 20, 2009 at 10:02 pm |
  6. Bea

    Is there a penalty for people misrepresenting their income in applying for the refinancing? Will folks who haven't filed tax returns be able to refinance and, if so, how can their income be verified?

    February 20, 2009 at 10:00 pm |
  7. Robert

    There is no way this housing rescue plan can be fair. You can have two households in the same neighborhood with the same mortgage,same income,but different lifestyles and one will be able to make their mortgage payment and the other will not. Is it fair to the household who lives within their means to bail out (reward) the household that has spent like there is no tomorrow? We seem to be trying to make sure that nobody feels any pain for their bad judgement. The ones that will feel the pain are the next generation.

    February 20, 2009 at 9:56 pm |
  8. linda iowa

    Why can not the TARP funds be divided among tax filing households? This would be fixing the economy from the bottom up! People would pay their mortgages, buy cars pay off other debt. Lending institutions would have their money. Put the power back in the hands of "we the people". Stand back and watch us fix our own economy! We would not need any watcdog oversight. We do not want to lose our homes. The ones at the top of the money chain have proven all they care about are their own pockets. Seems so simple to me. Much easier, it would not even take 350 billiion.

    February 20, 2009 at 9:51 pm |
  9. Anthony Chatmon

    With the picture in the New York Post and some of the Governors not taking the Stimulus package, the comments made by Rev. Jeremiah Wright about this country were not far off.

    February 20, 2009 at 9:51 pm |
  10. Tony Morris

    With the economy being caused by all the brilliant wallstreet boss's
    and bankers, I am very interested in knowing how they are all doing with their 39 billion dollar bonus
    A story I would be very interested in watching would be where are they now? what are they doing with the money? and do any of them intend giving it back?
    Its out and out theft in my mind and theyall need to be heald accountable for the mess we are in.
    Get a reporter to follow one of them around and see how they are suffering like the rest of us, My bet would be that you would have to go to the Bahamas to find them!

    All of them are criminals and need to be prosicuted,

    February 20, 2009 at 9:47 pm |
  11. Donna M.

    Haven't really read the entire Stimulus package. Is Obama planning on putting American's back to work similar to what FDR did during the depression?

    As a side thought – maybe stimulus money could be used to boost up the unemployment funds and those on unemployment could be put to work for their pay instead of having nothing to do. It will make people feel worth something.

    There is plenty that unemployed workers could do in every city and every state where they live. Working at Senior Centers, helping at hospitals, etc. And those who do this will not only feel better because they are doing something but they should get a better unemployment check.

    It would have to be monitored, of course, but those that want to go out and do "volunteer work" should get more unemployment money.

    What do you think?

    February 20, 2009 at 9:41 pm |
  12. Gerard Kelleher

    In CNN's attempt to stay neutral it is quite apparent you (CNN) have missed the mark. Any of your questions are of a negitive nature. asking for feedback on a negative.

    President has done a remarkable job as President. He has done more for USA than any other President in the short history of your country.

    It is though the vultures are circling. Instead of looking at his first 100 days look at it from all sides of the equasion Example McCain said recently that Obama has to reach out to Republicans on the stimulus, McCain must be feeling his 70 odd yeard because Obama had at that point gone out of his way to reach out to all Republicans CNN never questioned that and let it slide CNN tell it from all sides.

    February 20, 2009 at 9:41 pm |
  13. Sue Saunders

    Why isn't the help for people nearing foreclosure explained for what it really is? When our neighbor has his/her home repossessed the bank needs to dump it fast in a bad market and sells it at a bargain price bringing the whole neighborhood's home values down. When we enable the owner to keep their house we are really helping our selves, our own home prices and that's the reason to pay for them to refinance so they can stay in their home. Our home prices are our wealth and until home prices stop their downward spiral we all lose. This bailout is not charity it is self-preservation.

    February 20, 2009 at 9:39 pm |
  14. Mary Van Saders

    I do not think Congress should have gotten a raise this year along with an increse in their petty cash account. There is way too much air travel out of Washington. How much has been spent since Jan. 20th? Car companies were scorned for using their private jets. What about the bonus for the postmaster. The post office lost money last year but he is being rewarded. The taxpayers are watchig their spending and they are just spending like crazy in Washington. They should be setting an good example. It seems to me they are not giving up any perks.

    February 20, 2009 at 9:33 pm |
  15. CLAUDETTE REYNOLDS

    Anderson,
    If you interview Santelli, please ask him why he was ranting and raving about the Foreclosure Plan of Obama's to save nine million homes for people when he did not even know the details.

    Also, ask him why he did not rant and rave when those same tax dollars were used to "Bailout" Wall Street and all those big banks.

    He is such a "loud mouth" hypocrite. He works on Wall Street. So
    it's o.k. to help the group he associates with, but not the regular
    people on Main Street. Also, tell him to read the Foreclosure Bill first and understand what he is talking about before he rants and raves about it, especially the Foreclosure Bill which is so important to helping so many people keep their home.

    February 20, 2009 at 9:33 pm |
  16. Karen S.

    Hello Anderson Cooper and Team,

    I just heard about the New York Post's cartoon today about some policeman shooting a monkey and losts of outrage surrounding it, so I went online to check it out. It was disturbing to say the least. There was a caption over the cartoon of a policeman shooting a monkey that read, "Now we'll have to find someone else to write the next stimulus package." I feel this cartoon was trying to relate President Obama as a monkey and the policemen shooting the monkey was sending a message to kill our president. I believe this needs to be addressed. As a faithful viewer of your show I want to know if you will address this? The Post gave a half a##ed apology. Remember to "Keep them Honest". Will you call the New York Post on the carpet? Some are saying you are running away from this topic. Unfortunately I have missed your show the last three days, so I am not sure if you have addressed this issue or not since the cartoon came out in the Post on Wednesday. America has to much on it's plate right now to have to deal with this type of Foolishness!

    February 20, 2009 at 9:26 pm |
  17. Ester

    Did I hear right last week that the stimulus plan included a one time payment of $250 to people on Social Security?

    February 20, 2009 at 9:19 pm |
  18. Shadow

    Would the richest people in America donate money to put back in the economy for the poorer people??
    will the higher ups in the Government get off their high horse and talk to the people instead of just politics. I only see Obama doing this. All Americans need to work together. Or there will be no America!

    February 20, 2009 at 9:18 pm |
  19. Cindy Ferraro

    One year of not paying my mortgage and property taxes would enable me to "righ" myself and carry on. Why is this not an option? The banks who holds my mortgage have done very unethical things – so why not let them go hungry for a year to help me stabilize my life from what they did to it. Seems fair to me, how about all of you Seniors out there, do you agree? We Seniors do not have any options. We cannot get jobs – not going to build roads, we do not have the ability to re finance our mortgage and our IRA is gone. Come on Seniors, stand up with me and ask, plead, beg or just make noise. Cindy

    February 20, 2009 at 9:14 pm |
  20. Ernestine

    Hello Anderson

    It is my understanding that the tax credit for first time homebuyers is $8,000 with a time frame from Jan 1 – Nov 30, 2009. I would qualify for the credit but my worry is not being able to come up with a sizeable down payment by then. Do you know if the Nov 30 deadline would be extended? This will be my first home purchase and I really don't want to end up in the same scenrio that has put us here in the first place. I am a single woman and would be using my income alone to secure a mortgage.

    Thanks Anderson, you're the best

    Ernestine

    February 20, 2009 at 9:13 pm |
  21. Giselle

    I love you Anderson Cooper,... I am a CNN Junkie... Keep up the good work.

    February 20, 2009 at 9:11 pm |
  22. Giselle

    I think that if the stimulus money should have been distributed to the American people personally. This way people could have paid off debts, brought homes, cars, etc. Don't you think it would have boosted the economy in a way?
    It is very similar to the stimulus rebate, but that isn't enough money. If a family received a few thousands, they would pay debts, and buy!!!!

    February 20, 2009 at 9:07 pm |
  23. Cindy Ferraro

    Help help help us Seniors and fast. Just give us direction and we are good, we will follow. But now, we do not know who to talk to. Our income is down, jobs hard to find, IRA cut in half (that we saved for rather than living high) and mortgage payment, even thought it is a low interest rate, not a sub prime, is not too much so, the insult is now, we have to sell our home 'short' and hope to find a smaller cheaper home in a place we are not thrilled about living in. So.... is that what we get from playing by the rules? Really ..... isn't anyone going to talk to us Senior and not just the poor poor people who were not playing by the good rules – yet they are getting help and no one directs us. Please help.

    February 20, 2009 at 9:05 pm |
  24. John Montle

    wouldn't it help a lot of people if they let us move our IRA funds into government bonds and allow a second name on each bond which would allow spouses or children to take the income down the road?

    February 20, 2009 at 8:58 pm |
  25. survivingtimes

    First it was the Housing bust, then the Wall Street bust...next it will be the credit card bust.....then finally it will be the standard of living bust....can't Americans realize that we have been living on an illusion of money we do not actually earn?

    February 20, 2009 at 8:55 pm |
  26. Debbie, Louisiana

    Two questions:
    1. What exactly is in the provision regarding Cobra coverage and its effect on employers?

    2. How will physicians be impacted by the healthcare provisions of the stimulus?

    February 20, 2009 at 8:54 pm |
  27. Joyce DeLara

    With the encomy being so bad how can President Obama justify jetting around the country? Isn't it very costly to fly airforce one and also the cost of the secret service to secure the places he is going? I

    February 20, 2009 at 8:51 pm |
  28. Felicia

    I want to know is it possible for a Governor of a state to decline the Stimulus money. Because there are rumors that Haley Barbour may not accept the money, and if he do can he be overturned.I hope he accepts the money because not everyone from MS is a GOP. And I know many people here who needs a real job. And not accepting this Stimulus money would be like taking a sharp item and placing it in the hearts of all the MS Gulf Coast citizens.

    February 20, 2009 at 8:39 pm |
  29. Mary

    While indirectly germane to tonight's topic, if the banks were nationalized, would it actually help with all of our stimulus, housing and banking bail out issues? After all, with the infusion of all this government money, we are, in essence at least temporarily, doing just that. I find it ironic that no one ever mentions that while the banks are currently a private sector, the banks were already nationalized in the sense that the banks didn't insure our deposits, the FDIC did. We may have been myopic in letting a handful of banking CEO's run amok, but at the end of the day, the government (our tax dollars) cover bank loses, not the banks. Perhaps this should be a caveat as the country seeks a way to revitalize and stabilize the banking and housing industries.

    February 20, 2009 at 8:36 pm |
  30. Chris Wilson

    Why don't the states allow one to raffle their home? It sure beats 4closures, short sales and BK! The homeowner gets totally out of debt with OPM, no bailout, and the raffle winner gets home at an unbelievable price plus a cash award.

    PS Please see raffle emails to you & Gerri.

    Sincerely,
    Chris
    Frederick, MD

    February 20, 2009 at 8:35 pm |
  31. Bill Teveri

    Please disclose the names of those who were on the compensation committee of Merrill Lynch when the most recent bonuses were approved, and their affiliations with other companies or organizations.

    February 20, 2009 at 8:28 pm |
  32. Pamina

    What specifically in this Stimulus plan will affect me as a citizen personally, and what factors should I be looking for to see if it is effective?

    February 20, 2009 at 8:25 pm |
  33. Pawel

    Re: Creating new job and saving current jobs.

    1) Loan to the businesses directly.

    2) award business owners who hires new people /for at least 1 year/ with lower federal business loan APR (same as commercial banks are enjoying now- almost zero% cost )

    3) Federal business loans reduced for the value of 6 unemployment benefits checks./for each new worker employed for at least 1 year/

    Cost- ZERO- jobs saved,and jobs created.

    Working people pay their bills and buy goods and services!

    February 20, 2009 at 8:21 pm |
  34. Pat

    Hello Mr. Cooper! I would like to know during the eight years while George Bush was in the White House didn't he know that these big time CEO's were stealing. Seems to me Mr. Bush was to busy bombing Iraq while these crooks were stealing. I always assumed that thieves came out at night but I see these jokers were robbing the country for many years. I love your show you are a very humble man and I admire you for your honesty.

    Thank you Pat

    February 20, 2009 at 8:19 pm |
  35. Wende

    Hello Mr. Cooper! I have done everything according to the law (paying taxes etc.) for many years. I left Florida in2005 to make it on my own in Lake Tahoe. With no snow and fire and bad economy my business went down th tubes. Lost my house in Florida and now homeless and jobless in California. Have spent hours putting out applications, in person and on line. Even when I am qualified for a job nothing happens. Hve not been able to do taxes for two years, would gladly do the right thing if I had a job. What are my chances of getting any help from this "supposed" stimulus? I am not able to get unemployment. Thank you Wende

    February 20, 2009 at 8:01 pm |
  36. Tim Porter

    Watching crooks and numbskulls getting rewarded for their fraud, waste, and complete lack of accountability or responsibility is deeply frustrating. My wife and I have lived frugally in both lean times and fat. We have paid off 4 of our 5 houses. We treat our tenants like family. We pay our bills and never carry a credit balance. We don't invest in risky schemes. All we have ever asked is for the City of San Bernardino to allow us to rent out a house that is currently zoned commercial to families who need a place to live, and they won't budge. No one is opening businesses or buying commercial property, so a perfectly good home sits vacant. An unscrupulous person in today's economy would just finance it to the hilt and then take the money and run!

    February 20, 2009 at 7:58 pm |
  37. Doresa

    I want to retire in 10 yrs. My roth took a major hit after 911 and has never recovered. I put money in but it doesn't seem to move. I realized 70% is in stock. I was trying to wait for the market to recover. That that apparently not going to happen. where should my money be? Am I better off adding to my ira that I had to roll over from 401 because of layoff?

    February 20, 2009 at 7:51 pm |
  38. Pawel

    I Have a question regarding banks vs. USA Economy.

    Why Mr. President wont instruct the federal banks /which branches exists in every state of USA/ ,and start landing directly to the businesses (at least businesses) ,under same conditions like commercial banks do???? USA Gov. would make the credit flow again – and make some profit at the same time as well.I'm not saying close commercial banks and let Gov. take it over- just create an impulse to those opposing landing. Why to beg fat cats from the banks – if they waste tax payers money on their bonuses? Why is it so important to feed them? Currently commercial banks borrows from the federal banks for almost zero % . example: 200 000 USD home loan cost the bank only 10% of their share- the rest is being borrowed from the federal bank under the borrower promissory note. Hope that I can get the answer.p.s. For those accusing me of socialism – I have a word- WAKE UP!- Socialism is here.

    February 20, 2009 at 7:40 pm |
  39. Mary

    Mortgage loans used to require a 28/36 loan to debt ratio. I am not sold on this 31% of a person’s income being the amount of a monthly mortgage payment. Translated it means an interest only loan, that only helps the banks. Interest only loans were a factor helping to get us into this mess. Neither method reduces the principal loan amount. The banks got monies to get bad debt off of their books, they had loans that were insured with PMI and MIP mortgage insurance and received those payments. Any housing bail out should address homeowners having a part of their payments going to reducing the principal balance. Why isn’t this principal reduction being addressed in the effort to salvage the housing industry?

    February 20, 2009 at 7:27 pm |
  40. Bill M. from FL.

    The Jobless numbers keep growing. What needs to transpire is to bring jobs back to the United States. Once upon the time we were a "Self-Supporting" Nation. We need Industry and Factories back again. Until this happens no matter how many "Stimulus Packages" are created nothing will change. The word "Layoff" is spreading like a Virus. Corporations are using the bad econmy as an excuse to rid people. Great way to downsize and save monies on Medical, saleries and increase "Bonuses".The American people need change and fast. Support "Buy American" and not products from other Countries. When will the United States become a "Self-Supporting" Nation again?

    February 20, 2009 at 7:23 pm |
  41. PAUL MOODY

    Is it possible to stop penalizing responsible citizens?
    The economy “cratering”. Our household income cut in half. GM (with their hand out for $$$ all over the world) “squished” their ex-supplier of the heated windshield wiper solvent option “like a bug” (putting them out of business).
    In the early stages of this economic slide, I remember talk of the Feds providing temporary relief from the penalty for people taking an early withdrawal from retirement accounts (401k). Taking the monies we had set aside for retirement and using them “in the time of need” to meet our mortgage and other debt commitments, seemed the right thing to do. We needed to get our expenses and income in line with each other. Now, the Feds wish to just hand out monies and fail to give relief to those whom have chosen to be responsible! With my retirement date likely being extended, no tax relief for our hardship 401k withdrawal and on top of that, getting to help foot the bill for the mortgage crisis, automotive and financial corporations executive greed and ineptness …
    I can only say ARGH!
    Where Is The Accountability?
    Paul M.
    Southgate, Michigan

    February 20, 2009 at 7:23 pm |
  42. Mary

    Mortgage loans used to require a 28/36 loan to debt ratio. I am not sold on this 31% of a person's income being the amount of a monthly mortgage payment. Translated it means an interest only loan, that only helps the banks. Interest only loans were a factor helping to get us into this mess. Neither method reduces the principal loan amount. The banks got monies to get bad debt off of their books, they had loans that were insured with PMI and MIP mortgage insurance and received those payments. Any housing bail out should address homeowners having a part of their payments going reducing the principal balance. Why isn't this principal reduction being addressed in the effort to salvage the housing industry?

    February 20, 2009 at 7:19 pm |
  43. Jim M

    I have recently received a notice from my credit card company that the interest rates that they charge are going up again. I always keep up with any payments and have a FICA score of +/- 750.

    Question: Are the banks who are receiving the TARP monies allowed to use them to cover credit card financing? If so, it would seem like they will be receiving a windfall profit with rates between 25 – 30%. Can a limit be placed on these financial institutions to limit what they can charge (-with exception for deadbeat users) before, say a windfall profit tax should be applied to them?

    Thank you.

    February 20, 2009 at 7:11 pm |
  44. nosnow

    I was wondering how everyday we keep hearing that the American puvlic needs to "sacrifice." Could you tell me how and why we are supposed to sacrifice when all of us grunt workers see is elaborate spending on fany to-do's by the big wigs in government?

    February 20, 2009 at 7:03 pm |
  45. Victor Wilson

    I am thinking about going to grad school because I cannot find a job. Will the stimulus package offer any aid or grants that will help financially?

    February 20, 2009 at 6:59 pm |
  46. Victor Wilson

    I am a 24 year old college-educated African-American male with 2 years Logistics experience. I have been unemployed for 8 months. It seems that experienced managers who were laid off are filling some positions that require only a couple of years experience while some blue collar techincal jobs are saying that I am overqualified. Will the stimulus package help me find another job in my career? If so, when?

    February 20, 2009 at 6:57 pm |
  47. Ann

    2-20–09 ...Hi Anderson, how are you today?
    It is a bit disconcerting when somebody like Santelli or whatever his name is, begins attacking Mortgage solutions & Obama all at once, when in fact, everybody knew that is what was happening. Why now?....he tries to intimidate people from naming the people in Banks – who, by the way, are yes, the culprits of the decision makers to make house owning a reality – thus, why is he bashing mortgage home payors rather than bank reckless management?????......
    Everybody who is in any way intelligent knows that Banks and Brokers made decisions to MAKE MONEY OFF THESE HOMEOWNERS - PERIOD!!! They got their money made off them, now Santenelli wants to not have the government bail them a little bit out when in fact he didn't both bashing the bank bailouts even close to the Obama & mortgate bashing he just did these last two days - Seems to me he was simply waiting until actual evidence that the government does care about its' citizens, rather than big bank (makes you wonder who he's tied into in the banks???!!!).......
    Let's get some balance and re-assessments going here - this guy uses the Presidency as an excuse for his buddies in the banks to abuse the system (REMEMBER, THE BANKS MADE OUT WITH ALLLLL THE MONEY.....NOT THE HOMEOWNERS - HELLO, IS ANYBODY GRASPING TRUTH HERE???)....
    And, also where did ALL THE BIG BUCKS GO that the oil companies made charging $4 and $5 a gallon unnecessarily?? Where are those billions of monies they made being held up to the LIGHT here???.......Let's Really Talk - or is that too hot with too much truth to handle for this Sanmonelli guy????...my accountant and I both want to know...
    And please let me know when those questions will be answered too......
    I am pretty sure you and Dobbs are brave enough to air some bold comments from viewers like myself......
    And if Samonelli thinks he can take, then bring it on, let's DEBATE - I am game....
    Ann

    February 20, 2009 at 6:49 pm |
  48. Ann

    2-20–09 ...Hi Anderson, how are you today?
    It is a bit disconcerting when somebody like Santelli or whatever his name is, begins attacking Mortgage solutions & Obama all at once, when in fact, everybody knew that is what was happening. Why now?....he tries to intimidate people from naming the people in Banks – who, by the way, are yes, the culprits of the decision makers to make house owning a reality – thus, why is he bashing mortgage home payors rather than bank reckless management?????......
    Everybody who is in any way intelligent knows that Banks and Brokers made decisions to MAKE MONEY OFF THESE HOMEOWNERS - PERIOD!!! They got their money made off them, now Santenelli wants to not have the government bail them a little bit out when in fact he didn't both bashing the bank bailouts even close to the Obama & mortgate bashing he just did these last two days - Seems to me he was simply waiting until actual evidence that the government does care about its' citizens, rather than big bank (makes you wonder who he's tied into in the banks???!!!).......
    Let's get some balance and re-assessments going here - this guy uses the Presidency as an excuse for his buddies in the banks to abuse the system (REMEMBER, THE BANKS MADE OUT WITH ALLLLL THE MONEY.....NOT THE HOMEOWNERS - HELLO, IS ANYBODY GRASPING TRUTH HERE???)....
    And, also where did ALL THE BIG BUCKS GO that the oil companies made charging $4 and $5 a gallon unnecessarily?? Where are those billions of monies they made being held up to the LIGHT here???.......Let's Really Talk - or is that too hot with too much truth to handle for this Sanmonelli guy????...my accountant and I both want to know...
    And please let me know when those questions will be answered too......
    I am pretty sure you and Dobbs are balsy enough to air some bold comments from viewers like myself......
    And if Samonelli thinks he can take, then bring it on, let's DEBATE - I am game....
    Ann

    February 20, 2009 at 6:48 pm |
  49. JAN

    Many of these question were already answered by President Obama the probem is, some people only hear and understand what they want and negate the rest because they either do not care or are against it or have their own agenda..

    February 20, 2009 at 6:38 pm |
  50. Roger Clifton

    I would like to know what is going to happen to my beautiful Island of st.vincent and the Grenadines, when the US economy is in crisis, we are all here catching hell, trying to make ends meet, Gas is $3.40US a gallon and Diesel $3.34US a gallon, do the Maths; Food, Electricity, not to mention Duties and Taxes.
    (Calling Levi the Tax Collector (Luke 5:27-32)
    The WTO not helping the smaller countries, and The European Union FORCE the countries of the Caribbean region to signed an Economic Partnership Agreement (EPA), which today in light of the World crisis has no fruits to bear.

    COST OF LIVING KILLING US. WE NEED A BAIL OUT PACKAGE, PLEASE HELP.

    February 20, 2009 at 6:33 pm |
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