Remember Morning...15 Years Later

To commemorate the 15th anniversary of 9/11, I wanted to share with you something I wrote on the morning of September 12, 2001, after having been up for about 24 hours, watching the news. It is so hard to believe that it has been 15 years since the morning we were awaken early by my grandmother who called us to make sure my dad was not flying out of New York the morning she saw reports of an airplane accidentally flying into one of the Twin Towers. Luckily my dad had actually flown out of New York for Mexico City and then on to Honduras the morning before.

To give you a little background, at the time, I was still living at home with my parents, saving up to purchase a home and had just started a new business. My mom was working part-time at a local restaurant supply company and my brother was in high school. My dad was making his living working for a hanger company and spent almost 50% of his time away from home, a good portion of it in New York and New Jersey, but also in places all over the globe.

My mother and my brother traveled to New York and New Jersey quite frequently with my dad, tagging along on business trips so they could spend time with him. Being in my mid-20’s, I preferred to stay home. Over the course of his years of working in and around “The City”, my dad was fortunate enough to meet a lot of great people. In early September, my father, brother, and mother made a trip to New York together. They came back with the usual stories of good times and travel nightmares, telling me of their friends and friends of friends that they would love for me to someday meet. On this particular trip, my family had dinner with Joe Allen, a close family friend of my dad’s good friend Joey who was also engaged to one of Joey’s cousins. Upon their return my parents commented on how much Joe, Joey and I had in common, Joe and I because he worked in finance and Joey and I because he loved cars, and in particular, a certain German flavor.

What follows is a good chunk of something I wrote the morning after 9/11. Today, I believe I wrote this as a release of the strong emotions I was feeling at the time, though when I wrote it, I figured it was more to document the event as a moment in time. I share it with you in the hopes that we will remember that morning and continue to share everything that was wrong, but also what as very right and admirable about the actions of some of America’s bravest souls on the morning of September 11, 2001.

Please be forgiving of how little we knew of what actually transpired that day in the short 24 hours after the attack occurred. It’s almost a little embarrassing now, but I also feel it is important to remember the chaos, the lack of understanding, as well as the danger so many of us felt that morning. I truly hope we will never experience anything like this again:


My grandmother has always been an early riser. For as long as I can remember, she woke early, got my grandfather on his way to work, then turned on the news or an exercise program until it was time for her to start her day. I hadn’t been asleep for more than a few hours, when the knock on the door woke me. I opened it to find no one there, but then heard my mother calling from the kitchen. I wonder how long I’ll remember it this vividly. When I walked towards the kitchen, she said, “Grandma just called. A plane hit one of the towers.” Though we don’t live in New York, there’s enough time spent over there that it could have only meant the World Trade Center.

My grandmother’s reaction was the same as mine and that was why she had called. My first thought was of my dad and where he was in the world that morning. My grandmother called to make sure he wasn’t in New York, but luckily, he had flown out of New York City for Mexico City, then on to Honduras the morning of the 10th...When my mom first told me, I figured it was a small private plane or something of the sorts that had been in an accident, but once I saw the damage that strike had made, I knew there was no way that was a small plane. That in itself gave me some relief since all of my friends who are pilots still fly nothing larger than a private corporate jet.

Once I knew my dad and my friends were safe, it began to really sink in what had happened. A plane had hit one of the towers...I moved to our living room, turned on the big TV and watched, waiting to hear how an accident like this could have happened. As I sat there in the first few minutes, my mom came in and asked me if I remembered them talking about Joe Allen. I told her that I did and she then told me that he works in one of the towers, but she wasn’t sure which one. I commented that it looked like the plane had hit pretty high and I was sure that people were able to get down out of the building, despite the strike. Maybe Joe didn’t work in that tower. Maybe he hadn’t gotten to work yet this morning.

As soon as we finished our conversation, I remembered that when I got home from high school on the day the Gulf War began, I recorded the news footage so that I could one day show my little brother who was five at the time, the coverage of the Gulf War. This time, I didn’t think about the VCR, but instead hurried down the hall to wake my brother up so he could see such a newsworthy event as an accident of this magnitude. Vinny was slow waking up, but finally made his way to the living room where we watched the news coverage for what seemed some time. We took in the speculation from the newscasters, making a few speculations ourselves. It was then, for the first time that we began to wonder. An inexperienced pilot in a small plane ending up in a once-in-a-lifetime accident of this magnitude was one thing, but a commercial pilot, even a small commercial plane pilot, hitting that building on accident on a clear morning began to seem nearly impossible.

Speculation ran wild from the newscasters and they tried to report every little detail that they could get their hands on. I don’t remember what a lot of it was, looking back, but I do remember one thing. There were two reports. One from someone watching radar via the internet, and another from a person on the ground that there was a plane heading north almost literally up the Hudson River, right that second, as we were watching. I remember the thought crossing my mind how odd that seemed, but of course, it had to be regular traffic and people were just noticing it today because of the accident.

The next thing I remember was when my mom called out from the kitchen, “Oh my God, did you see that?!” At first we thought it was an explosion, maybe the fuel in the crashed plane igniting finally from the heat, but as the newscast instant replay would show, that was the second plane hitting the other tower. Though we had speculated it, this was when it hit home. We were under attack. It wasn’t an army marching up the beach, or paratroopers launched from off-shore. They weren’t blazing across the border like we were used to. My Lord, they were actually flying planes into buildings. I thought of the old plane lots in the desert out here, and even the used jumbo jet dealership in Las Vegas at the airport. Though it truly did not matter to the people who I knew had just lost their lives in that tower, I hoped that those were stolen planes and not hijacked ones. Vinny and I talked on it as we watched the replay over and over. Together we hoped that the buildings were mostly empty. That people had slept in because it was Tuesday and not Monday, that they didn’t need to get an early start on their work. Sadly, though, we knew, it was the finance district, the World Trade Center, and it was more than likely that so many people were already working when those planes hit the towers. I thought of my old job that I started each morning at 7:30. I would have been sitting at my desk. We didn’t want to believe it, but they were sitting at their desks. It was then that I called my girlfriend, Teresa. She had been at the gym early in the morning and had seen the newscast, but without sound, was unsure of what was going on. I found myself in disbelief in telling her that we were under attack. I told her to make sure she stayed out of populated areas and to stay close to home in case I needed to come get her. It was then that I began to call all of people I could think of that I knew that would probably not have put a TV or a radio on this early in the morning to tell them the same.

By now, my mom had spoken to my dad. He was on a plane from Honduras, heading back to Mexico City when the first plane hit, but we breathed another sigh of relief as he was now safe on the ground, and being in Mexico, we figured, even safer than us. My dad was calling New York to check on everyone and my mom was calling him to learn of the news. While this was going on, Vinny and I had slowed our conversation a bit. There wasn’t really much else to say at this point. The images of the towers in flame were intense, and we hoped that the worst was over. It was then that we learned that there were planes unaccounted for and that all traffic was being told to land. I remember the sheer fright of learning that though most of them were confirmed as OK, the FAA was reporting nearly a thousand planes in the air. How many of them were there? What’s around us? Is there anything here in Huntington Beach that would be worth hitting? We immediately came up with contingency plans. Where we would go and what we would do. We figured if the nuclear plant at San Onofre were hit, we’d have enough time to get in the car and drive north before the radiation reached us. Though we griped and moaned when they closed the Air Base at El Toro and the Navy Yard in Long Beach, I think at that moment, I was secretly glad that they were not operating anymore because they were two less targets. I was reminded at that time of the fear I had as a little kid, of course, only when I thought of it, that my grandmother’s house where I spent so much time was only a couple miles from the Naval Weapons Station in Huntington Harbor that of course buzz had labeled as a primary target during the cold war that was on at the time.

As we were contemplating this all, I’ll never forget how unbelievable it was to hear the street-cleaner going by outside. It was Tuesday morning as always, but I could not fathom that here we sat watching God-knows how many people die, watching in my lifetime, this nation come under attack on its own soil, all the while thinking, when was the last time…1812?...Did the battles of the civil war count?...Hawaii wasn’t a state in 1941, so they don’t count that, do they?...What in the hell does this count as? For some reason, while all of this is going through my head, I come to realize that my mom’s car is still in front of the house. Looking back, it seems so very weird that while watching this horror unfold, thinking of all of the possibilities of what could be next, that my instinct at the time was to run outside and move the car before we got a measly parking ticket.

So, my mom beats me out the door. While I pondered how amazing it was that we both still prioritized moving the car before getting a ticket above all else at the time, my mom ran to the car and started it. It was then that I noticed a good deal of our neighbors were also standing outside, literally in disbelief as well at what was going on. Between the guy in the street cleaner and the three parking control officers that followed him in their trucks, had they gotten to work so early that morning that they did not know? Had they not had a radio station tuned in, or even been told by dispatch what was going on? I do not know if they gave out tickets that morning because it appeared that everyone on my block had gotten out there the same time that we did and moved their cars. Either way, I made it a point before going back in to the house to yell at each passing parking control officer, “Don’t you know that the country is under attack?! And you are out here writing people tickets for not moving their cars?!” By the dumfounded look I got, I truly believe they had no clue what was going on.

Once back in the house, I settled on the floor in front of the TV, my nerves still shuddering from all that was going on this morning. As my mom walked down the hall to her room, calling my dad, Vinny and I took a close look at the towers. Vinny then told me that he remembered Joe saying that he worked on the 107th floor. As we studied the scene before us, it became apparent. No matter which tower Joe had worked in, if he had been in the office when either of the planes hit either of the buildings, he would be above the collision point. We still hoped, though we knew, watching helplessly, there were so many people in those buildings that were not going to find a way down through the fires. We threw out scenarios…Maybe the fire crews could eventually get up there with water and put the fires out. There had to have been places in the buildings that were not engulfed in flames. Places where people could have crouched, maybe near a broken window so they could breathe. Maybe they could bring in water-dropping planes and helicopters. Maybe if they got the fires under control, they could land helicopters on the roof and start pulling people off.

That was when it happened. We were talking out scenarios, studying as detailed as we could the image of the burning buildings on the screen. The camera angle that was being shown just showed the top portion of the buildings. It literally looked as if the top of one of the buildings had vanished. I said to Vinny, “Is it gone?” Vinny and I both looked at the screen as closely as we could. There was a lot of smoke there, but it really looked like it had vanished. After we had spent about thirty seconds going back and forth, the newscaster noticed the same thing. He asked that they run the tape back because it looked like something else had happened. Sure enough, when they showed the playback in slow motion from the same angle, you could see the top of the building fall down and off the bottom of the screen. As soon as we made the realization, Vinny went running to the back of the house to tell my mom to come and see. By now, they had a few different angles that were confirming that it looked like the entire building, not just the top portion, had fallen.

I honestly do not remember when I first saw the Pentagon. I do not recall if it was before or after the first tower collapsed...To the best of recollection, it was after the first tower fell that the newscasters broke into their own commentary of the towers to report that they were receiving word of a large, billowing smoke cloud in Washington, D.C. Again, we hoped for the best. We hoped that it was a brush fire, or maybe an accidental building fire, or something, but as you know, we were proven wrong again. A few minutes later, the newscasters were reporting that it was the Pentagon. There wasn’t a close enough image to show the damage to the Pentagon yet, just a long-shot from somewhere in the city of the smoke cloud. We then figured the worst…that like the tower, the entire building was gone.

So, this was it. At this point, we figured it was an all-out attack. The FAA was reporting that there were still some one hundred planes in the air, some of which were still not confirmed as in the hands of their pilots. The FAA was grounding everything they could land and not letting anything else take off, but there were still one-hundred flying bombs in the air, each loaded with passengers. Then, there were the international flights. If they had gotten passenger planes here in the U.S., which still hadn’t been confirmed yet, then why wouldn’t it be conceivable that there were planes from Canada, Mexico, Europe, Japan?

If I recall correctly, it was about the same time the newscasters were reporting a small plane crash in Pennsylvania that they announced they were getting word that American Airlines had confirmed that two of their flights were missing. It wasn’t set in stone, but we knew it. As soon as that report came in, it was enough for us to know that there were at least four planes…the two in New York, the one in Washington and the one in Pennsylvania. If they had gotten two passenger jets, then they had gotten four, and if they had gotten four, Lord knows how many of them they had.

It seemed that about every few minutes, the newscasters were reporting how many planes were still left in the air. They had concluded the same. We knew of four, but how many of them were there? It was then that I noticed that my mom had walked back to her room and had been in there for some time. Vinny and I had been trying to keep her informed while she was getting ready for work, but had not seen her for a while. When I called back to her, she emerged from her room, on the phone, holding her hand up to quiet me. I don’t think I’ll ever forget how she told me, and I definitely know that I will never forget the incident itself. My mom just said, “Oh my God,” over and over again into the phone as she started to tear up. We knew at that minute that it was news about Joe.

My mom got off the phone and walked down the hall to tell us. She said that Joey had just gotten a call from the place where Joe Allens’s fiancée worked, asking him to come and be with her because she was, as they said, hysterical with grief. Joe had, in fact, been at work when the plane hit his building. He had tried to get out, but when he realized that he was not going to be able to get down, he took out his cell phone and called his fiancée to tell her good-bye. He told her that he loved her, asked her to please tell his family that he loved them, that he didn’t think he was going to make it, and then, the phone went dead. As far as we know, that was the last that anyone heard from Joe. I don’t recall exactly at what point I called my girlfriend Teresa to tell her what I learned of Joe and his fiancée, but I do definitely recall that I was so choked up that I could barely tell her. Just the thought of what it was like for Joe, the thought of what it would have been like to get that last phone call from him.

With Joe’s fate still fresh in our minds, we watched in inevitable disbelief, yet at the same time, with frightening expectation, as the second tower came down. There were still planes in the air, but for New York, it was done. They were “marching” on Washington, D.C.. We figured that the plane that crashed was on its way there as well. It was a westward movement that appeared to be timed very precisely. With planes in the air, our thoughts were turned to a fear that one-by-one, the planes in their control were going to make their way westward to the major cities. Were there planes in their control that were going to circle and wait for the time they were supposed to hit? Were there planes over the Pacific that were heading for our populous areas in California? Were they done with Washington, D.C.? Was the attack sophisticated enough to divert another plane to Washington in place of the one that had crashed?

As it grew time for Vinny to go to school, I reasoned that we did not even know if it was over. It had appeared it was over after the two planes, but then Washington was hit, so who was to say that it was done, especially with planes still in the air. How many of the planes already on the ground had hijackers on them still? My business for the morning was an appointment at South Coast Plaza, our local mall which was in fact quite a tourist attraction. I wondered if such a high-profile civilian target was on this list and called to cancel my appointment. I figured it would be best for us to stay close to home today.

As the morning wore on, it became apparent that there were no other planes in the air. There were reports already of suspicious-acting people on some of the flights that were on the ground. Reports of fighter jets over New York and Washington were coming in. The newscasts began to show the footage obtained from near the World Trade Center. New footage of the first plane hitting, new footage of the second plane hitting, footage from right near the towers when the first tower came down. It was like watching a scene out of a movie. It was so far away, yet so close to home. News reports throughout the day would show more and more footage - different angles, different views, different areas of what they were starting to call “Ground Zero.” Reports of the buildings around the towers beginning to collapse. Estimates of over 6,000 dead were flashing across the screens by the end of the night.

It is now the early morning hours of September 12th, and as I write this, we have no further word about Joe Allen. My dad is planning on flying as close as he can to the US/Mexico border, but with all flights grounded, we are going to have to go pick him up by car wherever he can get through. The planes have stopped, the attack is apparently over, and the news reports are now starting to speculate the why. The death toll is complete speculation and the news coverage is mostly of the tattered metal remains of the Twin Towers and some fires that are still persisting in the area as fire crews are looking for survivors. It is not actually completely confirmed, but it is highly speculated that it was most likely four commercial airliners that were hijacked. It is hard to grasp what has happened – four separate planes hijacked, three flown into buildings and one flown into the ground.

It is difficult to put into words what we were all feeling as we went to bed last night. I have not been able to sleep at all and I am still up, watching the news. There is an aura of disbelief. I keep reading what I wrote this morning over and over again and I’m not really sure how to end it. I’m honestly at a loss for words. I can only frame it in the context of history and say that it feels like this is going to by my generation’s Pearl Harbor and just as then, only time will tell where this leads us.
I tend to feel that yesterday’s events will be one of the things that we will all remember for the rest of our lives. I know that gets said quite a bit about quite a lot, but yesterday is definitely going to stand out in our memories.

I guess this will serve as a record of the minutes of early morning on September 11, 2001, and will be the bitter-sweet property of myself and my family for the rest of our lives. These are the minutes that I am honored and feel compelled to share to serve as a record for those who will come after us, for those who will wonder what it was like for most of us on that morning that for us, right now, was just yesterday.

Photo by Oliver Kepka via Pixabay

Taxation Without Representation Across Time

We continually hear from politicians and political commentators that they are worried about the debt and other problems that we are currently creating for future generations.

I was thinking today that while that is a valid concern, we ourselves are already part of a “future” generation that is saddled with the legislation of the past.

I didn’t vote to elect the people that passed the laws that enacted things like the income tax, social security, and medicare, yet I am impacted by those laws every other week when I send a nice chunk of the money I have worked for to the federal government to blow a good chunk of on stupid, wasteful spending.

The biggest problem with this is that I have no way to go back in time to see how things were before income tax, social security, and medicare were enacted.

Is the country a better place with these things in place? I’ll never know firsthand and for sure, will I? Well, at least not until one of us builds a time machine and starts selling tickets.

Just as I am sure that a baby born tomorrow will feel taxed without representation when they are forced to have healthcare coverage whether they like it or not when they roll off mommy and daddy's plan at the young age of 26, I sit here today, feeling that I was taxed without representation when the income tax, social security and medicare were passed long before I was born.

I'm Not The Only One Calling Him A "Magician"!

During commentary on Tuesday's election results, political pundit Charles Krauthammer called our president a "magician". He said that Americans somehow thought that Barak Obama was a magician who sold them on his ability to somehow solve all of their problems, which is why they voted for him, yet, a year later, as reality is setting in, they are seeing that campaign promises and actual implementation of these promises are two entirely different things.

These comments put a particularly large smile on my face. I have called this president, first The Leader, which was not necessarily my doing, but a reference to a cult leader from The Simpsons, and now secondly, The Magician.

I call him The Magician because I think the only way for his Healthcare initiatives to work as he is selling them would be through magic. He says that he is going to find and cut all of the existing spending necessary to pay for $1 trillion in new spending after the money has already been spent (a common practice of politicians who end up never cutting the existing spending after the fact), cram people who have no money to pay for services into the healthcare system without increasing its capacity, and somehow reduce the cost of care to the people who are paying for the system, and somehow still increase the quality of care that everyone is receiving. There is only one way that this can be achieved...magic!

Barak Obama's win a year ago had a lot to do with people who don't normally vote getting out and voting. They, unlike the rest of us who vote all the time, were not able to filter out the campaign promises from what he would actually be able to achieve. So many of these first-time, or seldom-time voters saw him as someone who would fix all of the problems in their lives that they had been unable to fix for themselves.

Now, after a good ten months in office, I think they are seeing that this is just not the case. They are seeing that The Magician is not going to be able to wave his wand and somehow magically fix Taxington, D.C., the politicians, the economy, and their own personal problems.

If they would vote once in a while, they would know that this is what the rest of us deal with on a regular basis...politicians that make campaign promises that they just simply will never have the power to deliver on.

We investigate the facts, read the bills, read the platforms, and do not simply just get caught up in the political whirlwinds like the perfect storm that got The Magician elected last year. We recognize that a Presidential Election is a far more important thing than a road show to take an interest in for a couple of months every four years.

I think the honeymoon is over, which is why you are seeing The Magician's numbers turning. When the excitement about this man's youthfulness, his lack of tarnishing years as a Taxington politician, his desire to shake up the system, and yes, even his race, all wear off, we as Americans are seeing that despite all of the campaign rhetoric, there is still a politician in the White House.

For the life of me, what I cannot figure out, is why all of the first-time and seldom-time voters out there thought it would be any different. Oh, yeah, that's right, it is because despite living in this country and reaping its benefits, this is the first time that you actually got involved with the rest of us in the political process and took the time to vote. Well, welcome to American politics, where you are seldom happy with the results of any election. Now, go crawl back into your hole of political oblivion and let the rest of try to fix the mess that you have created.

There is not an easy solution to the problems that this country is facing, and we should all be suspect of anyone who tells us that they have the formula to fix it all. We all have a duty to vote for someone who will do what is in the best interest of the nation, not just simply promise to provide us with the things that we do not have, have always wanted, yet somehow, have never found the means to provide for ourselves.

Money will be borrowed, money will be printed, services that we cannot afford will be provided, yet one day, the bill will come due and we may see the first time in the history of this nation where the bill is just so overwhelming that it drags the entire country down with it, and no amount of magic will be able to save us when that happens.

An Important Update From The Social Security Administration

The U.S. Social Security Administration has fantastic news! Straight from the insert that should have arrived with your annual statement (wonder what it costs to print and mail all of those instead of posting them online), the Social Security Administration is happy to report that by the time those of us in our 30s go to retire, we have the prospect of getting up to 78% of the benefits that we are supposed to be getting! Isn't that fantastic news?!

That means that for every $1,000 that we are supposed to get, in essence, for every $1,000 that people on Social Security are getting now, we are going to possibly get up to $780! So, when we go to retire, we just need to come up with the other $220 somewhere to make up for the $220 that was stolen from us and given to today's retirees!

Given these revelations, how about we be allowed to keep $220 of our $1,000 to invest for ourselves? Go ahead and ask the Social Security Administration that, and watch them just smile and laugh at you, crazy little taxpayer. You can't take care of yourself without big government! Why, that's just crazy. If they let you keep your $220, they'd have to cut benefits to people on Social Security today, and that just wouldn't be fair at all to them.

The burden of benefits being cut is reserved for those of you retiring after 2041, silly goose. The Social Security Administration is just going to hold their breath, close their eyes, and hope that there is some miracle between now and 2041 that will magically occur so that we can get our full benefits. Great plan, folks!

I have a fantastic idea! Why don't we put the idiots in government in charge of all of the banks and large industrial manufacturers in the land to ensure that nothing goes wrong with our pseudo-capitalist system. Oops - am I too late to stop that? Or even better, let's take our very health and well-being and let them tax us even further so they can provide us with a universal healthcare plan (I'm not making that up - there are bills in the congress right now that are going to tax you on the health insurance your employer provides to pay for health insurance for those who aren't working - a tax on families making under $250,000 a year - breaking a certain promise from a certain someone who just happens to be the leader of the free world right now). We're going to have to sit back, watch, and see what passes and what gets vetoed.

In fact, with Taxington, D.C. doing so well with managing our retirement fund, why not let them handle every aspect of our lives?

You Are Part Of The Rebellion, Like It Or Not...

For my follow-up to Tuesday's piece on the new credit card bill, I am going to bring in another movie reference because while we may be experiencing the beginning of a minor version of the collapse of all of those bank buildings like at the end of Fight Club, it is not actually coming until August 22, 2010, so until then, America is going to be feeling a bit like Lando Calrissian. Remember in Empire when Dick Cheney kept telling Lando to pray that he didn't alter the deal further? If you are carrying any credit card balances between now and when the credit card reform legislation actually forces the credit card empire to lower your interest rates to reasonable levels on August 22, 2010, you are going to feel like going back to finish your Jedi training so that you can better fight the evil credit card empire.

Think of today's credit card times in the context of the six Star Wars movies. Today, we are in the midst of Episode 5 - The Empire Strikes Back. Episodes 1-3 are folklore, bits and pieces of mythological details - times long gone that came before you that witnessed the birth of credit cards, issued with low interest rates by small local banks to consumers who always paid their balances off every month, and then witnessed the early battles between the banks and consumers as the banks grew larger and the consumers were oppressed into submission over time, accepting higher interest rates and not paying off balances anymore, until at the end of Episode 3, when the banks had become a massive multi-national credit card empire in supreme control, bending consumers to their will, those consumers still taking on ever-increasing amounts of credit, feeding the empire's growth, not necessarily against their will, but in a complacent stupor. All of this came before you, but somehow, you are paying the price for it today.

Think of Episode 4 as your own personal New Hope that spanned from the day you were granted your first credit card until May 22, 2009, the day President Obama signed the credit card reform bill into law. It was a coming of age for you, where you learned how credit worked and began to see the evil credit empire for what it really was. People offered you credit card guidance through their own painful stories, but you yourself had to experience the pain first hand before you realized that it was time to do something about this evil empire.

So, at the end of Episode 4, we as consumers all banned together and forced our leadership into doing something to fight the empire. There was a glimmer of hope about the future as Episode 4 ended on May 22, 2009, the cameras fading away from President Obama as he signed the credit card reform bill and the credits began to roll to that famous march.

But just days later, we are realizing that there was a truly fundamental flaw in our attack plan at the end of Episode 4. We didn't actually kill Dick Cheney, but simply sent him reeling into space, where he will recover and come back at us harder than ever. You are currently living in Episode 5, which will span from May 22, 2009 to February 22, 2010 and prove to be nine months of absolute pain if you are currently carrying a credit card balance. While the Credit Card Reform Bill is good and strong, it is weak and inadequate in it's first nine months, giving the credit card empire that nine months to come into compliance with its laws.

So, what do you think the empire is going to do with that nine months? This is the "painful" period that I referred to on Tuesday where if you have a credit card balance, the credit card empire is going to pull a "Capital One" on you. Switch your current record-low rates to sky-high rates for the last nine months before the laws go into effect. Consumer groups are expecting these to be the highest interest rates that we will pay in our lifetime on credit card balances.

From now until February 22, 2010, credit card consumers that are carrying a balance are going to struggle just to keep their X-wing above water and make the sky-rocketing interest payments. Interest rates are going to soar, fees are going to soar, and the evil credit card empire will have full reign to do whatever it wishes. An unbridled Karl Rove giving us all a full, long, nine months to question why in the world the politicians in Washington gave the credit card companies this nine months to comply.

Again, on Tuesday, I praised the lawmakers and President Obama for the bill, praise which was, and is still deserved, but today I join the millions of Americans who are asking why in the world Washington has given the banks nine months to comply and thrown us all to the sharks like this. The banks didn't wait nine months for their taxpayer bailout money, did they? I don't think so.

I will, still, however, give Washington credit, but always question why they agreed to this nine month window where the American consumer with a credit card balance is going to take a hard hit, no matter whether they pay their credit card bills on time or not. I just cannot imagine what would have been so difficult to include legislation that mandated that the credit card empire not be able to raise rates on customers who are paying their bills on-time during this nine month transition period.

I guess we all have nine months to figure that out, right? Much like Episode 5, we will spend this time questioning the decisions that those who came before us made, resulting in the current fight that we are in, cursing them, but knowing that a better day is on the horizon.

On February 22, 2010, the major provisions of the Credit Card Reform Bill will actually take effect. The credit card empire will no longer be able to raise rates on existing balances, charge you over-limit fees, and subject you to universal default. This is the beginning of Episode 6, the final episode, Return of The Sane. The nine months of pain will be behind us, and though some people with credit card balances are going to be paying well over 20% APR, over 30% APR perhaps, the interest rate hikes will be over. The ability for the evil credit card empire to inflict an ever-increasing amount of pain on us will have ended. Episode 6 will run from February 22 through August 22, 2010, but if you pay all of your credit card bills on time and do not default on any debt during that time period, the law (with some help from the Ewoks) will force the credit card companies to lower your interest rate shortly after August 22, 2010, back down closer to where it was on May 22, 2009.

From here until August 22, 2010, the American consumer is going to have a hard fight, but that fight will ultimately lead to a better America, and a stronger American consumer. Credit is going to be nearly impossible to get during this time and the interest rate for credit is going to shoot up into space, and we are all going to pay the price for both what we have done, and sadly, for things that we had absolutely no part in. But, on August 22, 2010, the long fight will end and we can hopefully rejoice in having made it through such a ridiculous fight that we both brought on ourselves, yet at the same time, had so little effect on as a single individual.

We can only hope that things will play out differently, but with the law signed and the dates in place, there is nothing else that we can do but sit back and go for the ride that the credit empire and the politicians have just sent us on.