This email from TeamPerry hit our inbox this morning:

We’ve all had human moments. President Obama is still trying to find all 57 states. Ronald Reagan got lost somewhere on the Pacific Highway in an answer to a debate question. Gerald Ford ate a tamale without removing the husk. And tonight Rick Perry forgot the third agency he wants to eliminate. Just goes to show there are too damn many federal agencies.

The governor said it best afterwards: “I’m glad I had my boots on, because I sure stepped in it tonight.”

While the media froths over this all too human moment, we thought we would take this opportunity to ask your help in doing something much more constructive: write us to let us know what federal agency you would most like to forget.

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Putting more and more wolves in charge of guarding the henhouse might characterize the big problems we’ve now created for ourselves.

Government is growing.  The private economy is shrinking. Those wielding political power see fewer and fewer problems they believe private citizens can solve on our own.   Soon, each one of us will have our own personal guardian bureaucrat.

The real difference between us and the hens is that the hens are not paying for the wolves’ salaries and benefits.

This past week new rules governing our credit cards kicked in, following passage of the Credit Card Accountability and Responsibility Act, signed into law last year.

The point of the CARD Act is to protect us consumers from the scheming bankers from whom we get our credit cards.

As result of these new protections, consumers can be grateful that credit card interest rates are the only interest rates that are not now dropping.  According to the Wall Street Journal, the average card interest rate is now 1.6% higher than last year and the gap between credit card rates and the prime lending interest rate is the highest it’s been in 22 years.

More good news for consumers is that there is less credit available.  The average credit limit on new cards being issued is down 11% from last year.

And, because the CARD Act implements new rules limiting the flexibility that banks have, for example, in changing rates on balances of overdue accounts or on exceeding credit limits, banks are simply finding new ways to raise revenue.

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From ABC News:

The Obama administration on Monday proposed a new agency to study and report on the changing climate.

Also known as global warming, climate change has drawn widespread concern in recent years as temperatures around the world rise, threatening to harm crops, spread disease, increase sea levels, change storm and drought patterns and cause polar melting.

Commerce Secretary Gary Locke and Jane Lubchenco, head of the National Oceanic and Atmospheric Administration, announced NOAA will set up the new Climate Service to operate in tandem with NOAA’s National Weather Service and National Ocean Service.

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