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Only reason we have a middle class is regularion of financial markets

To The Daily Sun,

As we watch the issues with Wells Fargo, I am reminded of an episode last year when I reached out to my congressman to express an opinion regarding banks and their fees. These days, bank fees are a way that banks make money.

If you overdraw your checking account by $4.50 at a McDonald's because you forgot to write down a check you'd written, your bank can charge you a fee of between $30 and $40 depending on the bank. Now if you have a overdraft line of credit, you pay interest. If you use your own savings account as a buffer, many banks will forego the $35 overdraft fee and charge you a transfer fee of $10. Want to send money to your daughter in college? A fee of between $3 and $7 each time. If you mail a check to a creditor, and that check gets lost in the mail and you decide you want to stop payment on it? Well then you are out another $25 to $30.

So when I called Congressman Guinta's office and explained my concerns, they took the information down and promised to get back in touch with me. Soon enough, I had a call from a staffer who told me they'd discussed the issue with the congressman. The congressman supposedly said, "Banks have every right to make a profit when you make mistakes." And that right there is the deregulation mindset that has given us the kind of banking situations we currently are forced to endure. I don't agree that banks should be allowed to freely charge you any number of fees in order to meet a bottom line.

For this reason (and many, many others), I'll be casting my vote in November for Carol Shea Porter. Because supply-side economics doesn't work and the GOP only seems to know just one way. Because the only reason we have a middle class is because of regulation of financial markets, and we need to get back to the business of having a solid and financially healthy middle class. Because my money is hard earned and having it taken by a bank as a fee for a service that is mostly done via computer code is unreasonable. And finally because Congressman Guinta has a history of playing fast and loose with other people's money.

Please join me in supporting Carol Shea Porter for Congress representing New Hampshire's 1st Congressional District and help to rebuild our middle class.

Alan Vervaeke

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Judge for yourself if you are receiving 'good fruit' from a writer

To The Daily Sun,

As a reader of this paper I have often read letters by a certain writer who is constantly trying to prove that Christianity is the greatest evil around. In his latest burning of Christians at the stake, on Sept. 30, he attempts to show that Christianity is so violent, so dangerous, that the Founding Fathers of this country had to institute the separation of church and state.

As a Catholic, my faith requires me to give others the benefit of the doubt and pray for them, not retaliate in kind when someone attacks us. But sometimes we need to answer the charges leveled against us, so that our neighbors are not scandalized into rejecting God. I am not a scholar of history, or a slave of Google and the internet, so I will not attempt to argue with doubtful "facts" or mountains of obscure references meant to befuddle readers into submission.

All I ask is for readers to remember that Christians are human beings, like you are, with faults and failings like all people. We are trying to follow our faith in Jesus Christ as lord and savior, to make sense of life, and to make the world around us a little better. When we fall short, it doesn't mean Jesus doesn't exist, or his words aren't true. When our faith calls us to speak out when we see injustices or things that need changing for the good of all, we are not your enemies. If we speak up in defense of faith in Christ, not all of us are denouncing other faiths as evil.

I challenge readers to do their own research and judge for themselves, if Christianity has really helped or hindered society since its founding by Jesus two millennia ago. If there was a major disaster, a terrorist attack, or a famine here in Laconia tomorrow, who would you want to help you? Would it be Christians who try to live by the commandment to love God and neighbor, or those whose god is oneself, or the state?

Some writers have bewailed the state of society today, with its selfishness, apathy and violence, but in the same breath denounce the very simple path to peace; coming to faith in Jesus Christ and in his words of love and reconciliation to the world. If some cannot accept that, then get out of the way and let others come to believe in him, and act on his teachings.

Jesus once said about the teachers and leaders of his day, "by their fruits you will know them." Read and judge for yourselves if you are receiving good fruit or not from a writer. Does he or she lift your outlook on life, or do they simply add to the bruised apples of despair we are given every day? What does your heart say to you, what does it long for? In this world that has too little love, so much disorder, and so, so much potential for goodness and peace, will you dare to find the way to it?

Doris Morrissette

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