Sunday, November 26, 2017

Consumer Financial Protection Bureau (CFPB)

Looking Out For Consumers

I'll give you a specific example. For the first time in history, the reforms that we passed put in place a consumer watchdog [the Consumer Financial Protection Bureau (CFPB)] who is charged with protecting everyday Americans from being taken advantage of by mortgage lenders or payday lenders or debt collectors. And the man we nominated for the post, Richard Cordray, is a former Attorney General of Ohio who has the support of most attorney-generals, both Democrat and Republican, throughout the country. Nobody claims he's not qualified.

But the Republicans in the Senate refused to confirm him for the job; they refuse to let him do his job. Why? Does anybody here think that the problem that led to our financial crisis was too much oversight of mortgage lenders or debt collectors?

Of course not. Every day we go without a consumer watchdog is another day when a student, or a senior citizen, or a member of our Armed Forces - because they are very vulnerable to some of this stuff - could be tricked into a loan but they can't afford - something that happens all the time. And the fact is that financial institutions have plenty of lobbyists looking out for their interests. Consumers deserve to have someone whose job it is to look out for them. And I intend to make sure they do. And I want you to hear me, Kansas: I will veto any effort to delay or defund or dismantle the new rules that we put in place.

We shouldn't be weakening oversight and accountability. We should be strengthening oversight and accountability. I'll give you another example. Too often, we’ve seen Wall Street firms violating major anti fraud laws because the penalties are too weak and there's no price for being a repeat offender. No more. I'll be calling for legislation that makes those penalties count so that firms don't see punishment for breaking the law as just the price of doing business.

(Extracted from a speech given by President Barack Obama on 6 Dec 2011 at Osawatomie High School in Osawatomie, Kansas.

In 1910, Teddy Roosevelt came here to Osawatomie and he laid out his vision for what he called a New Nationalism. “Our country,” he said,” ... means nothing unless it means the triumph of a real democracy … of an economic system under which each man should be guaranteed the opportunity to show the best that there is in him."

In November 2017, Richard Cordray, the head of the CFPB resigned. He attempted to name his own replacement. That didn't go over well with President Trump, who quickly named his own candidate for the job. In the days ahead the the future direction of this valuable agency which was championed by Senator Elizabeth Warren will be decided.)

Dick Henthorn
26 Nov 2017

Monday, June 26, 2017

Remembering - Dave Evans - From Life's Other Side

Remembering great Bluegrass singer Dave Evans who died on 25 Jun 2017.

I had the pleasure of seeing him in person at the Arcadia Bluegrass Festival, north of Baltimore, MD.

Dick Henthorn
26 Jun 2017

Wednesday, June 21, 2017



Emmitsburg, MD

We make ourselves real by telling the truth. Man can hardly forget that he needs to know the truth, for the instinct to know is too strong in us to be destroyed. But he can forget how badly he also needs to tell the truth. We cannot know truth unless we ourselves are conformed to it.

We must be true inside, true to ourselves, before we can know a truth that is outside us. But we make ourselves true inside by manifesting the truth as we see it.
(Thomas Merton, No Man Is An Island, Chapter 10, Sincerity, p. 188)

Dick Henthorn
21 Jun 2017

Tuesday, April 25, 2017


April 2017 
Backyard Azalea

I will not interfere with the working out of another's difficulties, however dear and close we may be to each other. Detachment is essential to any healthy relationship between people.
(From One Day At A Time in Al-Anon, found in The Color of Light by Perry Tilleraas, 6 December)

Dick Henthorn
25 Apr 2017

Monday, April 24, 2017

A Few Good Things

April 2017 Azaleas In Front Of Our House
Photo with SmartPhone

Better to know a few things which are good and necessary than many things which are useless and mediocre.
(Leo Tolstoy, Calendar of Wisdom, 1 January)

Dick Henthorn
24 Apr 2017

Thursday, March 30, 2017

Smart Phone

I'm trying to learn how my SmartPhone works. Melva and I use the AT&T GoPhone service. A while back they forced us to convert to their 4LG network, whatever that is.

As part of the transition we had to select new phones. There weren't any flip phones available by the time we arrived at the store. We decided to chose the ZTE Maven SmartPhone. This is a big change. The new devices aren't just phones. They are also computers that can be connected to the Internet, free of charge, if you have a WiFi connection.

They are also Android devices. Android is a Google operating system. Therefore, if you use Google applications such as: Chrome, Gmail, Music Play, etc. on you computer the phone adds another level of complexity to the technology learning curve.

Part of the fun is getting used to the fact that there is no mouse and that there is no keyboard. You type on the image of what serves as a keyboard with big fat fingers on little tiny letters.

I'm interested in using the device to listen to music. There is a Bluegrass station, WAMU, located in Washington, DC. The signal isn't strong enough to be picked up by any of the radios in our house. They stream live on the Internet as You can listen to the music on the computer while you do something else. This has never worked very well for me.

Last night I downloaded the BluegrassCountry app to my phone. Within less than five minutes the installation was complete and I was listening to Bluegrass music on the phone.

Today I'm testing to see if I can listen to the live stream on the phone while I have the phone plugged in for charging. I'm pleased to report that it works. One of the first songs I heard was, Poison Love, from the latest Alison Krauss country album, Windy City.

Dick Henthorn
30 Mar 2017

Friday, March 10, 2017

Solving A Problem

College Park Airport Museum, College Park, MD
Photo my Mr. Dickie

Solving a problem starts with changing your viewpoint.
(The Christophers - Three Minutes A Day, Vol. 41, 19 October)

At 11:00 a.m. this morning some snow was falling.  Nothing sticking to the ground or roof yet.

I've downloaded the latest version of 7Zip to my computer.  I'm studying how the program works.  I learned that the F9 key toggles whether you see one panel or two panels on the screen.  I've learned that the program supports encryption that uses a password to open.

Dick Henthorn
10 Mar 2017