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Posted October 30, 2008
This morning in a rally Obama makes a very interesting statement. In defending himself and denying that his plan is socialistic, he argues that he did not know when McCain and Palin decided that selfishness is a virtue.
Did you pick up on that? In Obama’s mind, by taxing the “rich” and giving to the “middle class” he somehow thinks he is giving charity. Those that oppose this are simply selfish!
This is getting just incredible! My family and I do all we can, when we can to help out others. We give as we have the opportunity and the ability. One of the greatest rewards in that giving is the sense of appreciation and gratitude from the person you are helping. It almost becomes addictive and makes you want to give more. That is what charity is all about. You are just as richly blessed as the one you bless.
However, in the Obama theory, the governement TAKES from those it deems has too much, the governement DECIDES who it is given to, and the recipeient feels that this is OWED to them instead of appreciating the gift. So when next month comes, they are still there with hands out waiting on what they DESERVE! And if you as an individual are against this, you are SELFISH!
This is not a defiinition of Charity that I am willing to accept. How about you? Do you feel this is Charity?
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Posted October 28, 2008
Please, rather than voting based on popularity, style, appearance, race, sex, outside pressure, party, media focus or any other absurd reason, be sure to cast your vote as someone that is informed about the candidates.
Some will say that relationships and associates do not matter. Some will say that experience or lack of it will not matter. Make up your own mind, but to do that you must explore these items. You must discover the nature of relationships, associations, and experience to determine which candidate will be the best to lead.
Your country is counting on you to make the right vote, not the popular or assumed. Only you can choose the right vote.
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Posted October 28, 2008
In politics, the term “Bradley Effect” has been thrown around quite a bit lately. The theory is that white people will claim to be in favor of voting for Obama, the black candidate, but will instead vote against Obama due to racial issues.
While I am sure there is a small percentage of whites that will say they support Obama yet vote against him due to race, I am also wondering about an idea that has had little to no talk. What about a reverse Bradley Effect?
Obama is the first African American candidate for US President that has ever had a real chance. Since his nomination the daily polls have been showing him up, meaning there is a good chance that Obama may come out the winner. However, I wonder if African American voters could create a reverse effect. Let me explain…
Voting based on skin color, regardless if it is “for” or “against” will happen on both sides of the racial fence. There will be whites voting against Obama and blacks voting for Obama simply because of his skin color.
So my question is this… what if there is a large group of black voters that don’t agree with Obama’s views at all, but are afraid of potential negative affects from the black community if they said they were not going to vote for him? Could this be possible? Could a black voter claim to be for Obama to prevent being called a “sell out” or something worse, yet vote for McCain in the polling booth when no one is looking? This would cause a similar effect showing the same inflated numbers, but the racial end would be black…
This is something I doubt we will ever know. If indeed Obama looses, I believe the Bradley Effect will be a great source of coversation for years to come. As I am sure the idea of white voters lying and changing thier vote will be debated, I would just love to hear someone actually discuss a “reverse” affect of blacks claiming one things and doing another as a possiblity as well.
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Posted October 28, 2008
No Outrage? No Calls of Discrimination?
Al Sharpton? Jesse Jackson? Hell, Hillary Clinton even? Does this not bother you folks?
This disgrace definitely shows a real issue that plagues our country today. Americans scream and jump at the mere sign of racism, but sexism is no big deal. Think I am wrong? Then let me ask you… what would be dominating the news and media if this mannequin was the likeness of Obama?
If Obama were shown here instead of Palin, there would be a great cry of outrage! Al Sharpton and Jesse Jackson at a minimum would be holding major press conferences screaming about the injustice! But no word spoken here. I guess if the mannequin had a darker color to the skin, maybe then these characters would show their face. But I highly doubt that will ever happen, especially since the one being shown in the noose is currently running against the candidate of their choice.
Personally, I could care less about race or sex. I have grown up around racism and sexism and have seen the absolute evil it represents. I know that I am no better or worse than anyone else on this earth, regardless of race, sex, religion or background. So for me, the fact that this is not absolutely unacceptable and deplorable to the mainstream media and the liberal activists blows my mind! I am a white male and I find this unbelieveable!
The fact that someone would do this is almost as digusting as the fact that the ones that always cry foul when race appears to be an issue are silent!
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Posted October 21, 2008
Today I received an email from an account representative that the lender was dropping all stated income mortgage loans from their loan offerings. This is a further decline in the faith lenders have in stated income mortgage loans.
Sometimes referred to as the “liar’s loan”, stated mortgage loans have gotten a bit of a bad rep in my opinion. When stated income mortgages first came out, there was some major common sense involved in approving the loan. Usually the borrower would need to have very good credit and a solid history of making all their payments on time. Initially, stated income was designed to service the self employed borrower that would have difficulty in proving all their income. The challenge that faced self employed individuals was that the tax code allows a lot of opportunities to lower their taxable income, and most lenders use the taxable income to base thier decision on. So if a self employed borrower’s tax return reported a net taxable income of $18,000 yet they grossed $150,000 for the year, common sense would indicate they actually used more than $18,000 to live on.
However, since lenders went so far the other way and offered stated income mortgage loans to people with salaries and even fixed incomes, many people were using the stated income programs to buy more home than they could ever afford. They would bank on the home appreciating quickly and either refinancing or selling the home. Then when the bottom fell out, they were left holding a home that they could not afford and could not dump.
Stated income was such a small part of the mortgage and real estate boom, but since it was so easy to single out as a problem, lenders have run quickly from even the good stated income borrowers!
I hope stated income loans come back soon. The people that need this mortgage loan product currently are left underserved and there is certainly a viable market for the product. But until the media stops the gloom and doom, lenders will continue to shy away from all appearance of risk.
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