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Mr. Cain Thaler

Stock advice in actual English.

For-Profit Schools Under Close Federal Scrutiny

NEW YORK (CNNMoney) — U.S. taxpayers spent $32 billion last year on for-profit private schools, despite the sector’s relatively high drop-out rate, according to a congressional investigation released Monday.

The Senate Committee on Health, Education, Labor and Pensions found that during the 2008-2009 school year, which is the most recent data available for withdrawal rates, 54% of for-profit students dropped out without a degree. That translates to more than half a million students in one school year.

The report also noted that for-profit schools charge tuition that is much higher than their public counterparts. Bachelor’s programs at for-profits costs 20% more than public schools, while an associate’s degree at a for-profit institution is four times the cost.

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US Wasted $200 Million While Training Iraqi Police Force

A U.S. government watchdog says more than $200 million was wasted on a program to train the Iraqi police force, with security concerns and a lack of interest by the Iraqi government the main culprits for the program’s shortcomings.

In an audit released Monday by the office of the Special Inspector General for Iraq Reconstruction, or SIGIR, auditors also said the Police Development Program faced challenges at the outset due to the lack of an assessment of Iraqi police force capabilities, and of a written commitment from the Iraqi government for the program to move forward.

Stuart W. Bowen Jr., who as inspector general leads the SIGIR office, signed the report that was sent to Secretary of State Hillary Clinton and the U.S. Embassy in Iraq.

The purpose of the program is to help Iraqi police services develop the capabilities needed to lead, manage and sustain internal security and the rule of law. The State Department is hoping to reach those goals by 2016.

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Corn Prices Hit New Record High

Corn prices surged to a new record high Monday, as the worst drought in more than 50 years continues to plague more than half the country.

Almost 90% of the United States’ corn crops are in drought ravaged areas, according to the U.S. Department of Agriculture, and nearly 40% are situated in the hardest hit spots.

Corn prices have soared more than 50% during the past six weeks as the crops continue to shrivel in relentless dry heat throughout the Midwest. They jumped another 3% Monday to a record high of $8.17 per bushel on the Chicago Board of Trade.

The Teucrium Corn ETF (CORN), which tracks a basket corn futures contracts, gained 2.5%.

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Boeing, US Investigating Engine Fires

Boeing (BA: 74.86, -0.65, -0.86%) and U.S. safety officials are investigating the cause of an engine spark that led to a grass fire when engines in the jet maker’s new 787 Dreamliner spewed out debris this weekend during a test flight in Charleston, S.C.

The National Transportation and Safety Board along with the jet maker and General Electric (GE: 20.80, -0.12, -0.57%) are probing the source of debris that fell from the GEnx engines in a newly-built 787 that had ultimately been destined for Air India’s fleet.

An NTSB spokesperson said the safety board is gathering information on the incident that shut Charleston’s main runway for more than an hour on Saturday but has not at this point opened a formal investigation.

Boeing, which confirmed that it is “working closely” with the NTSB on the July 28 incident, said it is “unaware of any operational issue that would present concerns about the continued safe operation of in-service 787s powered by GE engines.”

“Should the investigation determine a need to act, Boeing has the processes in place to take action and will do so appropriately,” Boeing said in an emailed statement.

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Al Qaeda Trying To Establish Holdings In Northern Africa

(CNN) — Islamic radicals linked to al Qaeda have seized the northern half of Mali, one of Africa’s largest nations, and there are widespread concerns that the region could soon become a terrorist haven.

The militants have been able to capitalize on the instability of the country, which has seen a rebellion and a government coup within the past few months.

Now, about 500,000 Malians have fled their homes in fear of the violence and discrimination that come with the radicals’ strict interpretation of sharia law.

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A Look Into The Wonderful World Of Government Money Disbursement

A California venture capitalist whose affiliated companies have received more than $100 million in tax credits from the government has given a rare glimpse into how Washington distributed money to green energy firms.

In a video recently posted to YouTube from 2009, investor Paul Holland described — in an off-color anecdote — the reaction when a Department of Energy official attended a meeting with other investors to announce he was dispersing billions in federal funds. In doing so, he pulled back the curtain ever so slightly on the first steps the Obama administration took to distribute the money.

Holland said: “He came in to do his talk and opened his talk with, ‘I’m Matt Rogers I’m the special assistant to the Secretary of Energy and I have $134 billion I have to disperse between now and the end of December.’

“So upon hearing that I sent an email to my partners that said Matt Rogers is about to get treated like a hooker dropped into a prison exercise yard.”

Rogers prefaced the remark by saying it’s a “little bit off color.” The crowd laughed anyway.

But the Republican National Committee, which posted the video to YouTube, didn’t think it was so funny.

“As we learn more about the Obama administration’s penchant for rewarding campaign donors with millions in taxpayer dollars meant to stimulate the economy and create jobs, it’s clear Obama doesn’t value our tax dollars,” RNC spokeswoman Kirsten Kukowski told FoxNews.com.

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ICE Officials Claim DREAM Policy Getting Abused

Union heads representing thousands of America’s immigration agents slammed the Obama administration Thursday over a policy they claim is forcing officials to ignore the law and allowing illegal immigrants to exploit the system.

In a startling allegation, the president of the union representing Immigration and Customs Enforcement officers claimed illegal immigrants are “taking advantage” of a new directive allowing some undocumented residents who came to the U.S. as children to stay in the country. Union boss Chris Crane said the policy ends up allowing illegal immigrants to avoid detention without any proof — particularly so-called “dreamers,” or those illegal immigrants who would benefit under the “DREAM Act” proposal, which Congress has not passed but the administration has partially implemented.

“Prosecutorial discretion for dreamers is solely based on the individual’s claims. Our orders are if an alien says they went to high school, then let them go,” he said at a press conference with GOP senators. “Officers have been told that there is no burden for the alien to prove anything. … At this point we don’t even know why DHS has criteria at all, as there is no requirement or burden to prove anything on the part of the alien.

“We believe that significant numbers of people who are not dreamers are taking advantage of this practice to avoid arrest,” he said.

Crane cited one case in which, he said, an immigrant facing criminal charges was let go under the policy. Further, he complained that officers are “under threat of losing their jobs” if they defy the policy.

ICE didn’t respond to those allegations directly but said allegations of fraud and abuse will be investigated.

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Ben Bernanke Talks About Early Childhood Education

It is very important to teach children at a young age what the Fed is so they don’t bother to question it when they grow up…

Thank you very much for the opportunity to address you today. I’m especially pleased as an economist and policymaker to discuss the importance of education to the success of our economy. At the Federal Reserve we spend a lot of time looking at economic data, such as production and employment. In doing so, we try never to forget that these seemingly sterile numbers are, in fact, reflections of the economic aspirations, opportunities, and well-being of millions of Americans. When individuals are denied opportunities to reach their maximum potential, it harms not only those individuals, of course, but also the larger economy, which depends vitally on having a skilled, productive workforce. As a result, we all have a stake in the essential work that you are doing for our children.

So how can we improve the opportunities for all children and give them a chance to succeed in our ever-changing, globalized economy? As the husband of a teacher and an educator myself, as well as a parent and former school board member, I know from personal experience that, for creating opportunity and changing lives, there is no substitute for a quality education. The research shows that effective educations lead to lower rates of poverty, higher lifetime earnings, and greater satisfaction on the job and at home. And specialists in economic development have identified educational attainment as a key source of economic growth and rising incomes in many countries around the world.

Although education and the acquisition of skills is a lifelong process, starting early in life is crucial. Neuroscientists observe that if the first few years of a child’s life include support for healthy development in families and communities, the child is more likely to succeed in school and to contribute to society as an adult. Conversely, without support during these early years, a child is ultimately more likely to drop out of school, earn lower wages, depend on government programs, or be incarcerated.1

Consistent with this research, early childhood education programs aim to nurture healthy development from the earliest years. Programs that provide enriched experiences for children and that also involve parents have shown to benefit children from all backgrounds, but they have the strongest influence on children from disadvantaged environments.2 Importantly, state preschool assessments have shown that early childhood education programs make children better prepared for school, a precursor of future success.3

The benefits of early childhood programs are not just short-term in nature. Careful studies demonstrate that early interventions can have a positive effect on young children from low-income families that lasts well into adulthood. For example, analysis of one program showed that children who attended a high-quality half-day preschool program at ages 3 and 4 were, at age 40, more economically successful–for example, more likely to own their own homes–than nonparticipants in a control group.4 In other evaluations, long-term benefits were demonstrated for a full-day early childhood education program starting before age 1 and for a nurse-based home visiting program.

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B. Frank: Bank Breakups A Bad Idea

Bank breakups must be a great idea…

Now’s not the time to talk about breaking up the banks, Rep. Barney Frank (D-MA), told CNBC’s “Closing Bell” on Thursday. Frank was responding to former Citigroup CEO Sanford Weill’s call on Wednesday to separate commercial banks from investment banks.

Since the economy is still recovering and Europe is dragging us down, Frank said, “The notion that at this point we would do something drastic to a major part of the U.S. economy is not a very good idea.”

On Wednesday, Weill, who was the architect of the financial supermarket in the 1990s, told CNBC that it’s now time to break up the big banks to prevent a repeat of the huge taxpayer bailouts during the 2008 financial crisis.

“You can accomplish much of what Sandy Weill says he’s now for with the Volcker Rule,” Frank said. The Volcker Rule (Volcker Rule explained) says that banks should not be involved in certain trading and other non-lending activities, he said.

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Obama Talks (Ignorantly) About Firearms

Before you get all preachy on me – the CO gunman had a semi-automatic, small caliber rifle outfitted with a cheap high capacity magazine. How are we talking about AK-47’s?

Fully automatic weapons are already pretty heavily controlled in the US. And I can’t think of a single gunman who’s used an automatic weapon in a civilian setting. Feel free to point out I’m wrong, if you have dates and facts.

The closest you can get to an AK-47 through standard channels is a semi-automatic variation – which capabilities-wise is probably closer to a hunting rifle than a military rifle.

So we’re going to have a war against any guns that look scary? Sounds reasonable…

(CNN) – Days after the Colorado movie theater massacre, President Barack Obama on Wednesday forcefully spoke out against gun violence, making perhaps some of his strongest comments yet as president on the issue.

While the president said he stands by the Second Amendment and recognizes the traditions of hunting and gun ownership in the country, he told a crowd at a gathering for the National Urban League in New Orleans that there is work left to be done in tackling the problem.

“I also believe that a lot of gun owners would agree that AK-47s belong in the hands of soldiers, not in the hands of criminals,” Obama said. “That they belong on the battlefield of war, not on the streets of our cities.”

The president has largely steered away from talking about gun laws. While he visited the families of victims in Aurora, Colorado on Sunday, he did not wade into the political debate over gun legislation that dominated national dialogue over the weekend.

Talk of gun rights was also largely absent from Obama’s speech in the aftermath of the Fort Hood shooting in 2009 and after then-Rep. Gabrielle Giffords and others were shot in Tucson, Arizona, last year. The president mentioned gun safety only in passing after the Tucson shootings to describe the polarizing nature of the issue.

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Gary Shapiro: Is China Showing Cracks?

Any Westerner visiting China leaves in awe of its new airports, buildings and hotels. Its cities bustle and its people hustle.

As head of the Consumer Electronics Association, I travel to China at least annually. But after several awe-inspiring trips, I returned from China this month less in awe. China may have “jumped the shark,” veering from amazing to troubled.

For one, the building boom appears to be over. There are still plenty high-rise construction sites marked by cranes, but many, if not most, of the projects showed no evidence of any activity. They were simply stopped.

In one area, we drove past scores of quiet high-rise sites in various phases of completion. We were told that in this one small and amazingly beautiful coastline area, construction had begun and was halted on 100,000 housing units. Chinese banks are holding some serious uncollectible debt.

While this may have been an extreme example, the reversal in construction stems in large part from the government’s new rules aimed at cutting speculation by restricting second home ownership. Buyers must put down 50 percent in cash, and interest rates are less than favorable.

Of course, this may just be a temporary blip. It’s been estimated that 400 million people are moving from China’s villages to its cities. Indeed, there are more than 171 Chinese cities that now have more than one million people, compared to only nine cities in the U.S.

You wouldn’t worry about a construction slowdown if you read the China’s recently released Five Year Plan. By 2015, high-speed rail will cover 74,000 miles, up 30 percent. Another 64 airports are planned by 2020, adding to China’s 180-airport inventory. And 41 nuclear plants are planned or are under construction. Ambitious.

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Jim Rogers Lashes Out At Hugh Henry

Watch closely friends. These are the times that unclever men craft quotes which will be held eternally above their heads.

China’s economic resilience is under the spot light following a slowdown in growth rates in recent months. The big question facing investors in China and the global economy is can the world’s second biggest economy avoid a hard landing.

A rather interesting argument over the future of the Chinese economy has erupted following Jim Roger’s, the CEO of Rogers Holdings decision to call out two China bears in an interview with Investment Week.

Rogers dismissed fears over a hard landing and said both Hugh Hendry, who runs the Eclectica Absolute Return Fund and SocGen’s Albert Edwards are dead wrong to be so negative on the Chinese economy.

“Hugh has been dead wrong about China for three years now and China has not collapsed as he predicted, loudly, verbally and widely” said Rogers. Hendry used an interview with the Financial Times last week to predict bad things for investors and the global economy but has otherwise been keeping a low profile after betting on difficult times for China.

Rogers dismissed Edwards as being negative on everything, even Catholic saints.

“Albert has been bearish on everything for a long time. So if you are telling me he is bearish on China and bullish on everything else that would be different. But no, he is bearish on everything, including you, me and Mother Teresa” said Rogers in the interview with Investment Week.

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Eminent Domain To Fix Housing Market?

I absolutely hate eminent domain – but this was interesting enough to post anyway. Here’s the thing; if you’re going to pay “fair value” (presumably a steep discount) for these mortgages, why not just put the banks into bankruptcy? It’s tantamount to the same thing – sans the supra-legal initiatives.

It’s been nearly six years since the housing bubble burst but the aftermath of the crash continues to wreak havoc in the towns and cities most affected by the destruction.

Home prices have yet to stabilize and foreclosures remain an acute problem for homeowners, banks and mortgage servicers. The housing market’s troubles have dragged down economic growth and stymied an economic recovery.

Steven Gluckstern, chairman of San Francisco-based Mortgage Resolution Partners, believes he may have the answer for the country’s housing problems.

Using three California communities in San Bernardino Valley as a microcosm of the broader housing market, his venture capital firm wants municipalities to seize troubled mortgages in the name of eminent domain. The communities would refinance these mortgages at rates that reflect the current property value of the home and then resell the mortgages back to the troubled homeowners at a lower rate. This program would apply to homeowners that are underwater on their mortgages, or those who owe more than their houses are worth.

Real estate information provider CoreLogic projects that almost 43 percent of homes in San Bernardino County were underwater in April. Sixteen million homes across the U.S. are estimated to be underwater and homes with second mortgages are twice as likely to be underwater.

Gluckstern says his proposal directly benefits the homeowner.

“This is a program that’s designed to help communities deal with underwater mortgages by using eminent domain to acquire the mortgages that underlie these houses,” he says in the accompanying video. “The objective of the program is to keep [homeowners] in their homes. [We] use the power of eminent domain to take the underlying mortgage and then restructure it for that homeowner in a way that’s much more appropriate given today’s environment.”

This controversial initiative has caught the attention of the mortgage industry and investor and bank lobbying groups including the Securities Industry and Financial Markets Association. Critics argue that using eminent domain to seize and restructure underwater mortgages would be costly to homeowners, make future mortgages more expensive, bring losses for public pension and 401(k) plans and could be unconstitutional. Gluckstern disagrees.

The proposal is “absolutely legal,” he says. “The vast bulk of mortgages in this country are owned by trusts. Trusts that are run by trustees and services. Not by banks. It would be the trusts that would be giving up the mortgage and be paid fair value for it.”

Whether Gluckstern’s plan will be given the green light in California could be determined this summer. Gluckstern says his firm will submit its proposal to San Bernardino officials, and if accepted, the plan could go in to effect before year’s end.

The White House has not officially commented on Gluckstern’s proposal but according to a report in The Wall Street Journal, the Obama administration is “skeptical” that seizing mortgages by eminent domain is the savior the housing market desperately needs. Gluckstern’s plan does not involve government funds but his firm does charge a $4,500 fee for every mortgage that it restructures.

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Army Designing Body Armor For Women

This was just kind of cool.

Female soldiers in the U.S. Army have spent years fighting on modern battlefields with body armor designed for men. But the Army plans to change that poor-fitting scenario by field-testing new female body armor starting next summer.

Male body armor poses problems well beyond fashion sense for the 14 percent of the Army that consists of female soldiers— the male body armor’s broad shoulders restrict their arm movements and the front armor plate’s length cuts into leg circulation when they sit. That led the Army’s Program Executive Office (PEO) to begin making female body armor prototypes based on sizing and fitting tests.

“Most females tend to have a narrow or thinner waist as it relates to the chest area, so we pulled the waist area in,” said Lt. Col. Frank J. Lozano, the product manager for Soldier Protective Equipment.

“Some women will want more room in the waist area, so we allowed for adjustability in the cummerbund in the back, which can be pulled in tighter or let out more than on the standard [Improved Outer Tactical Vest].”

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Syria Plays WMD Card

Does Syria want to be invaded? Because Saddam’s threats of WMD’s kept us out of that country… The Middle East’s tyrants seem to have this knack for saying and doing all the right things to get us really interested in them for all the wrong reasons.

(CNN) — The Syrian Foreign Ministry said Monday that the country has chemical or biological weapons, but would never use them against its citizens — only against foreign attackers.

“Any stocks of (weapons of mass destruction) or any unconventional weapon that the Syrian Arab Republic possesses would never be used against civilians or against the Syrian people during this crisis at any circumstance, no matter how the crisis would evolve,” ministry spokesman Jihad Makdissi told reporters.

“All the stocks of these weapons that the Syrian Arab Republic possesses are monitored and guarded by the Syrian army. These weapons are meant to be used only and strictly in the event of external aggression against the Syrian Arab Republic,” he said Monday.

The United States called for Syria to never use the weapons and keep them safely stored.

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Gun Control Opposition Driven By Fear

(CNN) — There will be no new gun laws after the Aurora shooting for the basic reason that the American people do not want them.

Over the past 20 years, support for gun control has collapsed in the United States.

Three-quarters of Americans want to keep the right to own handguns, weapons whose only function is to kill human beings at close range. In 1959, 60% of Americans wanted handguns banned outright for all but police officers.

Responding to public opinion, states have loosened gun laws to allow citizens to carry weapons with them almost anywhere they go. In Georgia, Arizona, Tennessee and Virginia, it’s legal to carry a gun into a bar. Guns and booze: What could go wrong?

But here’s the odd thing: At the same time as Americans have become more enthusiastic about gun rights, fewer and fewer Americans actually want to own a gun themselves.

In the 1990s, the proportion of Americans who kept a gun in the home tumbled from one-half to one-third. And while gun ownership has risen in the Obama years, it remains lower than in the 1960s when strong majorities of the American people demanded stricter laws.

How can we make sense of this weird divergence between beliefs and behavior?

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What Happens To US Cities After Bankruptcy

I was struck last week to hear that the city of San Bernardino, California is declaring bankruptcy. It follows similar moves in the past month by Mammoth Lakes and Stockton, also in California. Before them it was Harrisburg, Pennsylvania, Jefferson County, Alabama, Central Falls, Rhode Island – the list continues.

What in the world is going on? Companies go bankrupt all the time – but what happens when a city goes under?

In reality, the two aren’t that different. Companies file for what’s known as “Chapter 11” – a provision which enables them to renegotiate deals, to downsize, to fire people. But filing Chapter 11 also gives them the option of liquidating – or breaking up. That would be essentially impossible for a city – it also happens to be unconstitutional. So cities go for “Chapter 9,” which covers municipalities: that’s cities, but also towns, villages, taxing districts and utilities.

641 cases of municipal bankruptcy have been filed since Chapter 9 was created. Most have been smaller cases involving utilities. But when an entire city goes bankrupt, things are much more complicated. It affects public sector jobs and vital services like fire and police departments.

Now, naturally, we assume all bankruptcies are a bad thing. They’re humiliating, they impact business, they’re difficult to recover from. The situation is far from ideal. But it’s actually not without its benefits.

Take for example San Bernardino. It was running a $45 million deficit (on a $130 million budget.) But its creditors – workers and retirees – were unwilling to help out. The best the unions were able to do was to offer what they thought was a major concession: allowing newly-hired public safety workers to retire with 90 percent of their salary at the age of 55 – instead of 50, which had been the earlier deal!

That won’t work in a chapter 9 bankruptcy. An independent judge brings all parties to a table where an agreement has to be reached – no matter how painful. And, we need some of those painful decisions – not just at the federal level, but at local and state levels as well. At its heart, the bankruptcies you keep hearing about these days aren’t about taxes being too low or spending on city services being too high – they’re about pensions.

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House GOP Lashes Out At Work Requirement Change In Welfare

House Republicans said Monday they were “disappointed” with the Obama administration’s plan to waive mandatory work requirements for welfare and questioned the legal grounds being used to make such changes.

“We are disappointed to see that the administration through this action and others seems intent not on helping to get Americans back to work,” said the letter signed by 76 House Republicans.

The one-page letter to Department of Health and Human Services Secretary Kathleen Sebelius also states the administration is instead intent upon increasing Americans’ reliance on welfare and other government programs.

The work requirements in the Temporary Assistance for Needy Families legislation were signed into law by President Bill Clinton in 1996.

The letter points out the addition of the work requirement had bipartisan support in Congress and that President Clinton upon signing them said the act “honors my basic principles or real welfare reform.”

The changes were detailed in a July 12 “information memorandum” from HHS telling states they could seek a waiver from the TANF program’s strict work requirements.

Among the legal questions raised in the lawmakers’ letter Monday to Sebelius were whether waivers are applicable to the Social Security Act and what legal authority allows for such “underlying flexibility in federal law.”

Two Republican governors already differ on the issue.

Iowa Gov. Terry Branstad has lashed out at the plan, suggesting the administration has exceeded its authority, while Florida Gov. Rick Scott has suggested the flexibility would allow him to keep the work requirement.

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Too Funny: Dan Rather Talking About “Trust” In Media, Vetting Process

I’m sure some or most of what he’s saying here is true. But his own background is pretty black on the subject of careful research. And that’s why it’s nice to have multiple news networks that hate each other, at polar positions. I guarantee Fox isn’t going to hold back on Obama, and CNN, MSNBC (or whatever it’s called now), etc. will not be giving Romney his choice of the pie.

(CNN) — A New York Times front-page article Monday detailed a new phenomenon in news coverage of the presidential campaign: candidates insisting on “quote approval,” telling reporters what they can and cannot use in some stories. And, stunningly, reporters agreeing to it.

This, folks, is news. Any way you look at it, this is a jaw-dropping turn in journalism, and it raises a lot of questions. Among them: Can you trust the reporters and news organizations who do this? Is it ever justified on the candidate’s side or on the reporter’s side? Where is this leading us?

As someone who’s been covering presidential campaigns since the 1950s, I have no delusions about political reporting. Candidates bargaining access to get the kind of news coverage they want is nothing new. The thicket of attribution and disclosure deals is a deep maze reporters have been picking their way through even before my time. But this latest tactic by candidates revealed by the Times gives me, to say the least, great pause. It should give every citizen pause.

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Obama Chicago Campaign Finds Abundant Source Of Potential Voters

Hahaha, sorry I couldn’t help it.

NEW YORK (CNNMoney) — For $10, identity thieves can access the full name, Social Security number and other personal information of a dead person through a list of millions of deceased Americans, known as the Death Master File.

The Social Security Administration created the file to help financial institutions and businesses prevent identity theft, by using the file to cross-reference applicants or customers to make sure they are not using a deceased person’s identity. But Senator Bob Casey, a Pennsylvania Democrat, said the agency is “inadvertently facilitating tax fraud” by allowing any member of the general public to look up personal details about anyone who has passed away and potentially steal their identity.

In a letter to the commissioner of the Social Security Administration and the acting director of the Office of Management and Budget on Thursday, Casey called for restrictions to be placed on access to the Death Master File.

“Identity theft creates a significant hardship for many American families, and robs our Nation of taxpayer dollars at a time when we face serious fiscal challenges,” Casey wrote. “Preventing the widespread publication of deceased citizens’ vital records is an important first step.”

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