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Here are stories published today.

**How credit card issuers collect | 2011-01-17

Don’t be scared by credit card debt collectors. Here’s what they can, and can’t, do to you.

**Sobering rate forecast on equity loans | 2011-01-17

Strategize now to avoid getting stung by rising rates on loans based on home equity.

**Using secured credit cards to build credit | 2011-01-17

Using secured credit cards to build credit is one way to fix your credit history.

AP-GfK Poll: Raw feelings ease over health law …


By RICARDO ALONSO-ZALDIVAR and JENNIFER AGIESTA, AP

WASHINGTON — As lawmakers shaken by the shooting of a colleague return to the health care debate, an Associated PressGfK poll finds raw feelings over President Barack Obama’s overhaul have subsided.

Ahead of a vote on repeal in the GOP-led House this week, strong opposition to the law stands at 30 percent, close to the lowest level registered in AP-GfK surveys dating to September 2009.

The nation is divided over the law, but the strength and intensity of the opposition appear diminished. The law expands coverage to more than 30 million uninsured, and would require, for the first time, that most people in the United States carry health insurance.

The poll finds that 40 percent of those surveyed said they support the law, while 41 percent oppose it. Just after the November congressional elections, opposition stood at 47 percent and support was 38 percent.

As for repeal, only about one in four say they want to do away with the law completely. Among Republicans support for repeal has dropped sharply, from 61 percent after the elections to 49 percent now.

Also, 43 percent say they want the law changed so it does more to re-engineer the health care system. Fewer than one in five say it should be left as it is.

“Overall, it didn’t go as far as I would have liked,” said Joshua Smith, 46, a sales consultant to manufacturers who lives in Herndon, Va. “In a perfect world, I’d like to see them change it to make it more encompassing, but judging by how hard it was to get it passed, they had to take whatever they could get.”

His extended family has benefited from the law. A sister-in-law in her early 20s, previously uninsured, was able to get on her father’s policy. “She’s starting out as a real estate agent, and there’s no health care for that,” said Smith. The law allows young adults to stay on a parent’s plan until they turn 26.

Congress stepped back last week to honor victims of the rampage in Tucson, Ariz., that left Rep. Gabrielle Giffords, D-Ariz., facing a long and uncertain recovery from a bullet through her brain.

There’s no evidence the gunman who targeted Giffords was motivated by politics, but the aftermath left many people concerned about the venom in public life. A conservative Democrat, Giffords had been harshly criticized for voting in favor of the health overhaul, and won re-election by a narrow margin.

House Republican leaders say they’re working to keep this week’s debate — and expected vote Wednesday — from degenerating into a shouting match, but it depends on the Democrats, too. Republicans want a thoughtful discussion about substantive policy differences, said Brad Dayspring, a spokesman for Rep. Eric Cantor, the No. 2 GOP leader. The AP-GfK poll was under way when the attack in Tucson took place Jan. 8.

Opposition to the law remains strongest among Republicans. Seventy-one percent of them say they’re against it, as compared with 35 percent of independents and 19 percent of Democrats. Republicans won back control of the House partly on a promise to repeal what they dismissively term as “Obamacare.”

“I just think that the liberal left is more going for socialized medicine, and I don’t think that works well,” said Earl Ray Fye, 66, a farmer from Pennsylvania Furnace, Pa., and a conservative Republican. “It just costs too much. This country better get concerned about getting more conservative.”

One of the major Republican criticisms of the law found wide acceptance in the poll, suggesting a vulnerability that GOP politicians can continue to press.

Nearly six in 10 oppose the law’s requirement that people carry health insurance except in cases of financial hardship. Starting in 2014, people will have to show that they’re covered either through an employer, a government program, or under their own plan.

Rich Johnson, 34, an unemployed laborer from Caledonia, Wis., said he thinks the heart of the law is good. “The problem I have with it is mandating insurance so that you have to have it or you’ll get fines,” said Johnson, an independent. “I just don’t think people should be forced to have it. The rest of it, I have no problem with.”

The individual mandate started out as a Republican idea during an earlier health care debate in the 1990s. More recently, Massachusetts enacted such a requirement under GOP Gov. Mitt Romney and the Democratic Legislature. Nowadays, most conservatives are against it, and GOP state attorneys general are suing to have the mandate overturned as unconstitutional.

Other major provisions of the law, including a requirement that insurers accept people with pre-existing medical conditions, got support from half or more of the public in the poll.

Loralyn Conover, 42 a former music teacher with multiple sclerosis, says she hopes repeal goes nowhere. Senate Democrats say they’ll block it.

The new law “opens the door for people like me to have some kind of pay-as-you-go health insurance,” said Conover, of Albuquerque, N.M. “It’s nice to be able to have something . and not be dropped in the cracks of society.” She couldn’t get health insurance when she was first diagnosed, but is now covered by Medicare.

The AP-GfK Poll was conducted Jan. 5-10 by GfK Roper Public Affairs and Corporate Communications. It involved landline and cell phone interviews with 1,001 adults nationwide, and has a margin of sampling error of plus or minus 4.2 percentage points.

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Associated Press writers Douglass Daniel, Bradley Klapper and Michele Salcedo contributed to this report.

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Online:

Poll questions and results: http://www.ap-gfkpoll.com/

Wilson: Can we keep up our progress on AIDS? It’s 2023, what do you


Phill Wilson is the president and CEO of the Black AIDS Institute, a national HIV/AIDS think tank focused exclusively on black people.
Phill Wilson is the president and CEO of the Black AIDS Institute, a national HIV/AIDS think tank focused exclusively on black people.

Phill Wilson
Special to CNN

Editor’s note: Watch “Hope Survives: 30 Years of AIDS,” an AC360° special, at 9 p.m. ET Friday. Phill Wilson is the president and CEO of the Black AIDS Institute, a national HIV/AIDS think tank focused exclusively on black people. Follow him on Twitter.

(CNN) – I was infected with HIV in 1981, the year the disease was discovered.

Back then, most people died in six to 12 months from horrible diseases like Kaposi’s sarcoma, a skin cancer normally found in older men of Semitic descent; pneunocystis carinii pneumonia, a fungal infection in the lungs; cryptococcal meningitis, which causes the lining of your brain to swell; or toxoplasmosis: You got that from cat feces, and it turned your brain to Swiss cheese.

There were no treatments, really. A “long-time survivor” was someone who lived 18 months.

I was 24 then. In April, I will celebrate my 54th birthday.

I almost didn’t make it. In 1996, my doctor at Kaiser Permanente in Los Angeles called my mother in Chicago to tell her that if she wanted to see me alive again, she should fly to Los Angeles immediately. They had given me less than 24 hours to live. I was in a coma in the ICU.

I eventually came out of that crisis, and my doctor prescribed something brand new: a three-drug regimen, commonly referred to as “the cocktail.” I recovered from that crisis and went on to found the Black AIDS Institute, an organization I still lead.

What a difference three decades can make. We have gone from no drugs to a few very toxic drugs that didn’t really work to more than 25 antiretroviral drugs used to treat HIV. The new drugs are highly effective, and the side effects are much reduced.

Read more from Wilson on CNN.com’s Opinion Page

Editor’s note:
Greater Than AIDS– a new national movement to respond to AIDS in America– is asking Americans to share their “Deciding Moments,” personal experiences that changed how they think about the disease and inspired them to get involved. For many it is someone close to them who was infected. For some it was their own diagnosis. For others it was a realization that we all have a role to play. Tell us about your “Deciding Moment” by visiting: www.greaterthan.org/moment.

Related: Visit Greater Than AIDS for answers to frequently asked questions about HIV/AIDS, as well as information about local testing centers.

More about: 360° Radar • AIDS • Opinion • Phill Wilson
This article was first posted on Jan 14, 2011

President Obama: Support marriage equality for all


Human Rights Campaign

Mr. President, it’s time for you to support marriage equality for all Americans

The President has said that his thinking on the issue is “evolving.”

Help get him over the finish line.

President Obama has done more for the nation’s LGBT community than any other president in history, from hate crimes protections to the repeal of “Don’t Ask, Don’t Tell,” to hospital visitation rules. This president has proven himself to be an advocate for the LGBT community.

He’s a fair and just man. That’s why we’re calling on him today to publicly and vocally support marriage equality for all Americans.

Earlier today, the Department of Justice filed a brief appealing two federal court rulings that found the Defense of Marriage Act (DOMA) unconstitutional. The Administration claims that it has a duty to defend the laws that are on the books. We simply do not agree. At the very least, the Justice Department can and should acknowledge that the law is unconstitutional.

All families deserve the recognition and respect of their government. It’s time for President Obama to state his support for full, equal marriage. And we want your help in telling him that it’s time.

Because of DOMA, gay and lesbian families with marriage licenses from Iowa, Connecticut, New Hampshire, Vermont, California, Massachusetts, and the District of Columbia don’t get basic protections like Social Security, pension benefits, and family medical leave – benefits of marriage available to all other married couples. The law is discriminatory and unjust.

The President’s clear and unequivocal support for marriage equality will be a very powerful message that all Americans should be treated fairly and with respect and dignity. It will also send a direct message to LGBT Americans, young and old, that their nation values them.

President Obama has already stated his position on marriage is “evolving.” And he’s already seen the outpouring of support for his successful call to repeal “Don’t Ask, Don’t Tell.” Let’s help him get over the finish line.

Together, we can move this president to speak out for the right to marry freely. I hope you’ll take a moment to send your message today.

It’s time,

Joe Solmonese
Joe Solmonese
President

Take Back Democracy on Citizens United Anniversary


Last year, the five-justice conservative majority on the Supreme Court decided to reaffirm its inclination to rule on behalf powerful corporate interests by giving corporations a gift that was not theirs to give: the People’s democracy.

January 21 will mark the one-year anniversary of the Citizens United v. FEC decision, which reinterpreted the Constitution to give corporations the same First Amendment rights as people and opened the floodgates of limitless, undisclosed spending by corporations and their shadowy front groups to influence elections.

PFAW‘s marking the anniversary by joining with our friends at the Coffee Party, Public Citizen, MoveOn and others to hold a weekend of events in Washington and promote citizen-organized local events around the country.

Please be a part of next week’s grassroots actions to take our democracy back for the People.

Find a local event near you here:

http://www.movementforthepeople.org/get-involved/organize-locally/distributed-events/find-an-event/

If you know of an event that is not on this list, please add it or contact Sergio Lopez at slopez@pfaw.org.

If there is not an event near you, and you think you can organize or hold something yourself (anything from a street protest or a small rally to a house party or a town hall-style meeting at a public venue), also please contact Sergio at slopez@pfaw.org for help doing that.

After the D.C. rally on January 21, we’ll be joining with our allies to deliver hundreds of thousands of petition signatures to Congress calling for an amendment to the U.S. Constitution to overturn the Roberts Court‘s disastrous decision by giving lawmakers explicit authority to limit corporate spending in elections.

If you have not yet had a chance to join our petition, please do so now.

And ask others to join at http://www.pfaw.org/Amend.

Thank you for your activism to reel in the corrupting influence of unlimited corporate spending, and to take our democracy back for We the People.

— Diallo Brooks, Director of Field and Mobilization

politics,pollution,petitions,pop culture & purses