Tuesday, December 30, 2008
Your government is printing so many of them right now, you might be wise to invest them, (while someone will still exchange them) for some green beans.
A few words from a mortgage guy,
Yes I am the scum of the earth, and yes the mortgage market has caused the worst financial crisis since the great depression. But lets delve into why this really happened. First of all I am tired of hearing the Mortgage Brokers/Bankers caused the demise of our economy, and I would like to say a few words about this. I love when I hear this mortgage guy put me into a loan that I could not afford, nor did I understand the terms of this mortgage. I have closed over 10,000 mortgages in the last 20 years and I cannot tell you how many times I have heard this
“ I really don’t care what happens in three years I will probably refinance before then or move”
“ I’m not really worried about three years when my ARM adjusts I need to save this 500 bucks a month NOW!”
“ Mr and Mrs Smith you have 3 options of payment plans, 2% of the balance, the regular 6% payment, interest only payment, which would you like? What interest rate gives me the lowest payment, asks Mr Smith? The 2% does sir, but it will add interest on to the end of your loan and your balance will increase instead of decrease? That's fine, we will pay additional money when we get our tax return. “
“ Mr Mortgage broker/banker, we just have to have this house, whatever you have to do, make it happen. “
The fact of the matter is folks, the reason we are in the mess we are in, is because of us! We have the ability to say NO! We have the ability to watch our money and not get tempted. Nobody holds a gun to your head and says sign these papers. Nobody denies you the right to read to read your paperwork! If they did, you were stupid enough to sign the paperwork and deal with that dumbass!
The 2nd big reason I will explain in a short paragraph what started the snowball. If you ask anyone what caused this, most people will say fraudulent mortgage brokers. This is not the case, the mortgage banker/broker Is just an instrument in the grand scheme of things controlled by Wall Street. Credit default swaps are where it all began. If you take a loan out from Countrywide, even though you pay countrywide, your loan is actually owned by an investor. Countrywide made your loan and thousands of other people loans. They, then pool them all together and sell them to Fannie Mae/or Freddie Mac. These are government sponsored agencies that have decision engines that underwrite loans. These decision engines have certain underwriting criteria. My job as a banker or broker feed your information into this and get an approval or denial. This tells Countrywide that if you make this loan, with this criteria we will buy it. Fannie/Freddie buy these loan and then sell them to investors which turn them into Mortgage back securities. Here is where the problem starts……………… The big 5 (AIG, Bear Stearns, Lehman brothers, Merrill Lynch, Goldman ) go to Mr. investor and say hey, we are going to Guarantee all of the loans you buy, but we aren’t going to call it insurance. We don’t want Mr. insurance regulator see what we are doing now do we? Mr. Investor says OK, open the flood gates, loan away!!!!! What do we have to lose? Fannie and Freddie loosen your guidelines we will buy whatever you have. Its insured and we can’t lose. So new underwriting criteria comes down to Mr. Mortgage broker/banker. Hey guys you are now allowed to loan 100% to a 520 credit score borrower. Far be it for me to ask any questions. I am on commission and my manager and RVP will beat the stuffing out of me if we don’t grow. I have to make these loans due to if I don’t, my competition will. If they do and we don’t, we will get eaten up by the big fish and go out of business due to lack of growth. Mr. 520 fico at 100% cannot pay the rate the investor is asking at a 30 year fixed (10%). Nor can we find a benefit for the customer here, but we can do a 3/1 ARM which the rate will be 7% for three years.
Which loan would you like Mr. customer? Um let me see Mr. Mortgage broker what is the difference in payment. About 400 dollars Mr. Customer, but if you take the Arm it can adjust upwards in three years. I’ll worry about it then, I will get raises and I will fix my credit by then anyway. Meanwhile a few years gone by, and Mr. Smith ran up his credit cards, found out that living on 79$ an hour at GM is not enough. Oh, and by the way you better refinance your payment is due to adjust in a month. Now Mr. Smith debt ratio is 80% and does not qualify for a loan so we must pay off credit cards. Well we can’t do this again Mr. Smith, you already refinanced 3 times in three years to payoff credit cards, now you have no Equity to do so. Sorry sir. You Scumbag Mr. Mortgage broker, you put me into this situation. Ill show you, I will stop paying my mortgage payment and the bank will lower my rate to 2% and I still wont be able to make that payment. That’s OK Mr Smith, the government is going to let you stay in that home.They feel bad that you can’t buy the GI Joe with the Kung Foo grip for your kids this Christmas. You can file Bankruptcy on all your other debt and your credit score will shoot from a 520 to a 650, and you can start racking up debt in no time.
Has there been fraud in the Mortgage business, hell yes. Is there fraud in every business, hell yes. But thanks to regulators, they are now going regulate even more. All this means too you is that instead of 80 forms to sign for a mortgage, you will now have to sign a 100. What good is a form, when 90% of the people out there don’t read them anyway. So you see folks, it really isn’t my fault. If we would look in the mirror, pass by a store, not go out so much, and quit buying 7 dollar coffees, we might not be in this situation
Everyone have a great Holiday. If you stop by my house I will be the one searching careerbuilder.
James S. Ray
Team Leader/Refi Direct
4720 Piedmont Row Dr. Ste. 200
Charlotte, NC 28210
Tuesday, December 23, 2008
Monday, December 22, 2008
Thursday, December 18, 2008
Amazing Grace from the Cactus Cuties
Nothing says Merry Christmas like the Red State Boys.
Wednesday, December 17, 2008
Friday, December 12, 2008
Most of you know I quit my job last December 31. Probably not a wise move on my part. That was the beginning of the recession as we know now.
I also have two American made Ford vehicles. An F250 and an Expedition. Neither gets very good gas mileage.
Over the years I bought way too much real estate thinking I was doing myself a favor and becoming self sufficient..... We all know what has happened to real estate....
I built way to much house as many of you who have visited know.
I had invested the max in my 401K and had made other stock market investments outside of the retirement plans. Well I don't need to tell you that has been nearly halved.
Many people and businesses depend on me to survive. Bank mortgages, power bills, phones, governments, grocery stores, doctors, dentists and the liquor store among others are all very dependent upon my survival.
This is where you all come in. If you could each send me $2oo I believe I can make it until March of 2009.
This will give me time to come up with a plan to proceed into the future. I know I should have probably planned a little better, but oh well, I didn't.
I will probably be on a better path to self sufficiency in March, but in all likely hood I will have to ask you all for another $400 to $500 each.
Thanks in advance for your help, and don't forget everyone you will be helping by sending the money.
Professor Joseph Olson of Hemline University School of Law, St. Paul, Minnesota, points out some interesting facts concerning the 2008 Presidential election:
Number of States won by: Democrats: 20; Republicans: 30
The original posting with this information is below this Newsweek article at this link: http://www.newsweek.com/id/163337.
Obama still smokes...
Friday, November 21, 2008
Thursday, November 20, 2008
See if we had only surrounded the twin towers with old naked fat ugly women none of that would have happened. Go figure.
Monday, November 17, 2008
Saturday, November 15, 2008
This perfectly describes the Democrat party. A Roman said this thousands of years ago but the average U.S. citizen is so mired in debt, commercialism, materialism and distraction by televised propaganda and our youth is so swayed by educational liberalization and expectation of government salvation that they can’t muster the intestinal fortitude to even begin to fathom the wisdom above as stated by a man who begged for Rome to return to a Republican government. Alas, he was ignored and thus began the fall of the Roman Empire which was due to immorality, dependence on government to provide for the masses, lack of self control, lack of personal responsibility and apathy towards civic duties and labor. History repeats itself. We are the modern day Roman Empire and we haven’t even seen the tip of the iceberg that is lurking in our society and beneath our economy.
Thursday, November 13, 2008
Also received it from Mike Freeland and Ray Canova.
Oh, if this were only true. Truth is we will never be over race until we are all mocha colored.
Stop and listen to all the pundits, that tell us we should not consider race, talk about the election. It is almost inevitable that they can't mention Hussein without mentioning he is the first colored President. So they will never let it go.
Why do I say colored? I am just trying to be politically correct. As soon as the NAACP changes their name I will jump on board.
Monday, November 10, 2008
Sunday, November 9, 2008
The most eye-opening civics lesson I ever had was while teaching third grade in 2000. The presidential election was heating up and some of the children showed an interest. I decided we would have an election for a class president. We would choose our nominees. They would make a campaign speech and the class would vote.
To simplify the process, candidates were nominated by other class members. We discussed what kinds of characteristics these students should have. We got many nominations and from those, Jamie and Olivia were picked to run for the top spot.
The class had done a great job in their selections. Both candidates were good kids. I thought Jamie might have an advantage because he got lots of parental support. I had never seen Olivia's mother.
The day arrived when they were to make their speeches Jamie went first. He had specific ideas about how to make our class a better place. He ended by promising to do his very best. Every one applauded. He sat down and Olivia came to the podium.
Her speech was concise. She said, 'If you will vote for me, I will give you ice cream.' She sat down.
The class went wild. 'Yes! Yes! We want ice cream.'
She surely would say more. She did not have to. A discussion followed. How did she plan to pay for the ice cream? She wasn't sure. Would her parents buy it or would the class pay for it? She didn't know. The class really didn't care. All they were thinking about was ice cream. Jamie was forgotten. Olivia won by a land slide.
Every time Barack Obama opens his mouth he offers ice cream, and 60% percent of America reacts like nine year olds. They want ice cream. The other 40% percent know they're going to have to feed the cow.
Friday, November 7, 2008
No wonder the youngsters support the big O. I wouldn't want her hateful condescending ass chewing me a new one if I was 10 years old.
Thursday, November 6, 2008
I have said this many times but hadn't written it yet. Count on Hussein to bring McClueless in to author the McCain some Democrat Dumb Ass Bill to give illegal aliens amnesty.
I fully expect the press to resurrect Johnny McClueless. He will soon regain his Rock Star status as he takes on the Republicans. Time for Arizona to retire his old liberal butt.
I knew the Press / Democrats would be complicit in trying to take down Sarah, but I am ashamed to see the McCluess campaign staffers join in.
Notice how most of the liberal big spending Republicans were defeated. Hmmmm
Did you know the stock market is forward looking, usually six to nine months? Makes you think about all those polls saying Obama would win. The market is down only 900 points give or take a few since The Messiah won.
I am admittedly a "glass half empty" type of person by nature, but with Obama winning....well my glass is not only totally empty, but broken into a million pieces on the floor.
It grieves me to know that the majority of this country that I love, and my husband has a hand in protecting, voted this man into office.
I'm very fearful of what is to come in the next 4 years. Hopefully I'll be wrong, and I pray that I am, but if I'm not then we are in for extremely hard times.
We will be put to the test economically, socially, morally, and maybe most importantly our national security will be put to the test like never before.
I personally have zero confidence in Obama as a leader. His entire campaign was based on lies, half truths, trickery, and preying on the fact that young Americans have become little more than lemmings willing to follow the vast majority right over a cliff.
I realize that this may offend some people, even people whom I call friends, but I have just as much right to speak my mind as anyone else, even if it's not a popular line of thought. Obama preaches hope, but all I'm left with is dysphoria.
I have only one thing to say to Emily. 1994 Contract with America.
You don't have to guess about his motives!
Tuesday, November 4, 2008
Monday, November 3, 2008
And all through the town
Tempers were flaring
Emotions all up and down!
I, in my bathrobe
With a cat in my lap
Had cut off the TV
Tired of political crap.
When all of a sudden
There arose such a noise
I peered out of my window
Saw Obama and his boys
They had come for my wallet
They wanted my pay
To give to the others
Who had not worked a day!
He snatched up my money
And quick as a wink
Jumped back on his bandwagon
As I gagged from the stink
He then rallied his henchmen
Who were pulling his cart
I could tell they were out
To tear my country apart!
On Fannie, on Freddie,
On Biden and Ayers!
On Acorn, On Pelosi'
He screamed at the pairs!
They took off for his cause
And as he flew out of sight
I heard him laugh at the nation
Who wouldn't stand up and fight!
So I leave you to think
On this one final note-
If you don't want socialism
GET OUT AND VOTE!!!!
These are the Conservative Judges. Don't forget if you pull the Straight Party Lever, you have not voted for President.
Here are the Judges.
NC Supreme Court Robert Edmunds
NC Court of Appeals Robert Hunter
NC Court of Appeals Jewel Ann Farlow
NC Court of Appeals Dan Barrett
Wednesday, October 29, 2008
Monday, October 27, 2008
Sunday, October 26, 2008
Saturday, October 25, 2008
Friday, October 24, 2008
Markets predict the future. Such is the Stock Market reacting to all the polls predicting Obama will become President. It is resetting itself with prices and job losses to survive the next 4 years.
Maria Bartiroma of CNBC said as much yesterday afternoon. You all know how far right CNBC is? I almost fell off the recumbent bike at the gym.
I say one thing. Clinton, the first black president slipped reparations in right under our nose. The process is almost complete. As soon as the government starts buying the mortgages that are defaulting we will have completed reparations. Don't believe me watch the 2 videos.
Thursday, October 23, 2008
Jobama is going to give 95% of us tax cuts. One little problem, 40% already don't pay any taxes so they will be getting a check paid for by those working and paying income tax.
Obama will move an estimated 8-10% of the population off the tax rolls. This gets us to the tipping point. 50% of the folks not paying taxes. Democrats will win in perpetuity.
The tipping point is when that 50% has enough votes to make those of you working and paying taxes support them forever.
Hey wait that sounds pretty good to me. I'm not paying taxes anymore. Quit reading this BS and get back to work. I need my check.
Did you know there are 57 Muslim States? 24 seconds.
Muslims practice their peaceful Religion. 16 minutes.
White women watch out. 2 minutes.
New National Anthem. 2 minutes.
Opps. 5 minutes
Great video for you Hussein fans.
You don't get this kind of pride in country from todays entertainers. I believe that we have hit the tipping point where over half the population is saying don't ask me what I can do for the country, what can the country do for me?
Wednesday, October 22, 2008
Monday, October 20, 2008
Wednesday, October 15, 2008
Tuesday, October 14, 2008
I got this from Joy and later from Eric Heavner I originally attacthed the wrong link.
Monday, October 13, 2008
Saturday, October 11, 2008
Unfortunately we have two Socialist at the head of the two tickets. If you visualize a speedometer of how fast we are heading toward Socialism/Communism Barack Hussein Obama is at 120 mph. Joe "The Plagarist" Biden is at 110 mph and Johnny McClueless is at 70 mph. Sarah would have to be at about 20 mph because she agrees publicly with Johnny Clause. Mitt Romney would be an example of a Capitalist who could bring common sense back to the world.
Johnny McClueless tries to tell you he is a Conservative (Reagan is spinning in his grave) and Hussein tries to hide he is a Socialist/Communist, but both are a farce.
So remember folks you're not voting Republican or Democrat anymore, you are only voting how quickly we become Socialist/Communist.
Johnny needs a tan.
Watch the video.
Friday, October 10, 2008
Thursday, October 9, 2008
I really don't care if you vote for the first Arab American President but you ought to know what you are in for.
Rush asked 'what do Osama Bin Laden and Barack Hussein Obama have in common'?
They both have friends who bombed the Pentagon.
Are you ready for Hussein???
Wednesday, October 8, 2008
Johnny Clause is busy trying to best Hussein for Socialist of the year. Did you hear him offer 300 billion to buy out people who were to stupid to live within their means? If this includes you I'm not sorry, you are stupid.
How's that 700 billion bailout of Wall Street working out so far? We are following the same path we followed during the great depression, adding debt instead of letting something fail.
Hey I've lost my butt in the stock market and I am beating the professionals that are managing the bulk of my money. It's not fun, but every day the politicians and smart people dig a deeper hole. Those still working will probably add 10 years to their working lives and those retired may have to go back to work if you can find a job.
I feel for those with kids because all the politicians are doing is kicking the can down the street until they can get out of office. Both damn parties. Both of the idiots running for President and Joe "Stand up Chuck" Biden don't have a clue. They will make the great depression seem like a college fraternity party. I believe Sarah understands better than all three put together.
I swear McClueless needs some sun.
Not much is ever made of the three times he didn't use the present excuse. Those three votes were to give Doctors the right to murder the children that survive botched abortions.
Really makes you wonder what the other 97 votes were for doesn't it?
This is ONLY for those people who believe in the power of prayer... Can we? Will we?
I was very dismayed when, recently, a member of my Church said to me with great resignation that she was afraid Obama will take the presidency. These words came from someone that in the past has been a great prayer warrior.
What is happening was my question!! Why are we Christians settling for the loss of our Christian heritage, not issuing a battle cry and falling to our knees and taking our country back?
We allow ourselves to be stripped of the right to pray at school functions and in school, we have the Ten Commandments removed from government places and are told we cannot pray publicly or proclaim Christian principles, all the while providing public prayer places for Muslims. We allow Muslim mosques to operate in America funded by Saudi Arabia , and proclaim anti-American, anti-Christian threats and terrorism.
What in the world is going on and why are we being so apathetic? Why aren't we praying? Our God is an Almighty God who is waiting patiently for us to raise our voices to heaven to stop the tide of the anti-Christian actions in our world today.
Now we have a charismatic, albeit inexperienced, candidate for president that does not respect our flag and refuses to wear one on his lapel except when it becomes politically expedient, and whose own wife and pastor that he loves profess to have strong anti-white feelings, and we sit back and say 'it is a given, we can do nothing' ????
There has never been a time in 2000 years that we can do nothing, never a time that we must sit back and allow the evil in men's and women's hearts to take over our world! We should be afraid, very afraid because our apathy is leading us to perdition. It is time for all Christian Americans to raise the battle cry and take our nation back!
Maybe McCain on his own cannot defeat Obama, but our God can and He will if we take to our knees in prayer and raise a mighty cry to the heavens. We have the power to change the course of this election and to keep a man as suspect as Barak Obama from leading our country to who knows where with his message of 'change'; a change which I fear will be away from our Christian ideals, and away from Christ, and further away from one nation under God to one nation under Allah.
We are great at passing stories and pictures around the internet, but where are our prayers and prayer warriors praying to stop this tide of Barak Obama? We can bring our country back to its Christian roots and stop the undermining of our country by Muslims. We can stop our country from being 'under Allah' but we must begin to pray; to pray as our country and our lives depended on it because they do. We can stop all these atrocities against God's commandments that have taken root in our country through something as simple as sincere prayer, a call to God to deliver us, to protect us from the evil that is upon us.
OK, prayer warriors, here is your challenge... Start those prayer chains. Get the spiritual power working on our behalf and stop Barak Obama the proper way, by calling on our God to save us from the deception that charismatic preaching is using to lead us on the wrong path. Stop those who would take God out of our country and our government. Raise up good men to lead us and protect us. But we should not rest on our laurels and allow ourselves to be taken further off the path of Christianity and to have God removed from our presence in our schools, courts, government and businesses.
Invite God into the fray. Ask that His power rest upon us and give us the victory. Ask him to raise up a mighty army to defend us and to protect our country as he did in days of old. Let us be victorious beginning NOW. The battle is His but we must call on Him without ceasing and unite our voices and hearts in prayer and fasting.
Monday, October 6, 2008
Friday, October 3, 2008
While I'm no fan of O'Reilly he certainly hands it to My Boy Lollipop, Barney Frank.
Remember Barney is the gay Democrat Congressman who's much younger lover was running a male prostitute ring out of the Frank residence. If you are Democrat you can get away with anything. Barney said he didn't know about it. The press dropped the matter.
Thursday, October 2, 2008
Talk about wind energy... I could have run the pontoon boat for three years if I could have captured the wind from Joe "The Plagiarist" Biden.
Remember why he withdrew from his first Presidential campaign? He gave a speech previously given by a British politician. He got called on it.
Dan Quayle was handed a card from a school teacher that had potato misspelled and we still hear about that.
The liberal mainstream media will twist her words to say she lost but you can take it from the Rowdy Republican she kicked his ass.
Stand up Joe, ohhh my God.
Think the Jews will feel comfortable with an Arab American President. Only the naive ones that live in the USA.
"I don't have the stomach for genocide when it comes to Darfur." A quote from Joe.
Stand up Joe.
Apparently he does have a stomach for genocide though. Just not in Darfur the libbie cause dujur. Be very afraid Jews especially Joe Lieberman.
The good news is that Joe Biden is going to carry out the Socialist policies of Hussein. The bad news is that the twice brain aneurysm patient Joe Biden places Nancy "The Face lift" Pelosi as President if he strokes out.
Good Job Sarah. If you can't drag the half liberal old guys ass across the finish line then I want to make the first button for 2012. Sarah 2012.
Wednesday, October 1, 2008
Ever wonder why the Democrats aren't holding hearings on Fannie and Freddie? They will not because look who is responsible. Remember Roger Mudd from the mainstream media? I believe that is his son Daniel. Starting to get the theme here????
I think we should demand the politicians from either party return every dollar of campaign contributions.
I also believe we should go after Franklin Raines, Jim Johnson, Jamie Gorelick the way they went after Enron. Hundreds of millions of your dollars into these fat cat Democrats pockets.
Your kids, grand kids and great grand kids will be paying for this the rest of their lives.
Franklin Raines is one of Obama's financial adviser's. If we are collectively dumb enough to put Hussein into office, we deserve the loss of our freedom we will receive.
Can you say reparations?
The great thing about this is I published before Rush came on today. Then he did the entire show on this column.
Excellent, thanks Joy.
Funny from my friend Kimmie.
Got to love those Dems. Do as I say, not as I do.
On television today a Democratic operative pointed out that when Obama holds a rally 25-30,000 people show up, whereas when McCain holds one he only draws 10-15,000.
The Republican spokesman replied, "That's because McCain's supporters are at work."
Friday, September 26, 2008
Thursday, September 25, 2008
If he was a Republican you would never hear the end of his impeachment, there are advantages to being a Democrat.
Wednesday, September 24, 2008
Tuesday, September 23, 2008
Monday, September 22, 2008
Has anyone brought up the fact that Obama smokes and both of his parents died at an early age?
Plus Biden has had two brain aneurysms which could have killed him.
If they both died while in office that would leave Nancy Pelosi as president.
I can't think of a better reason to vote for McCain & Palin.
Since nobody watches Saturday Night Live anymore .....
Saturday, September 20, 2008
Thursday, September 18, 2008
Wednesday, September 17, 2008
Chris Dodd $133,9002
John Kerry $111,0003
Barack Obama $105,8494
Hillary Clinton $75,550
I believe all four have run for President of the United States as Democrats and they want to blame someone else.
These guys can't handle a mortgage company. You want them in charge of your health care?
Sunday, September 14, 2008
Thursday, September 11, 2008
My Sister-in-law Jenni points out how the lady over his right shoulder is pretty darn sure Chuck ain't gonna stand up...
My Mom came into the living room and I told her a plane had crashed into one of the towers. I sat down on the couch and watched it unfold.
I saw the second plane hit live and I said "Another plane just hit the other tower."
Mom said "no it didn't that was just a replay of the first crash."
I said "no it was another plane."
We sat there for what must have been at least three minutes before the folks on TV finally acknowledged that yes indeed another plane had hit the tower.
I bet all of them when death was immanent would have chosen to fight the war on terror. I still wake up with the fear of falling remembering those people who jumped.
We have managed to remain attack free for 7 years and we will remain that way at least until November 4th.
Al Qaeda is pulling for the Democrats. They want us out of Iraq so that they can take it over. They can't tolerate any form of democracy in the region.
I always say fighting them there is better than fighting them here. They can get to Iraq and Afghanistan easier than they can get here. But they are already here in great numbers. Huge communities in many of our cities. Detroit, Atlanta, Charlotte, communities in Virginia, they are here. If they are somehow able to overthrow us through some form of Uncivil War, betcha they drill in Anwar.
Obama, Obiden and McClueless have done nothing to close our borders, on the contrary they have impeded that process. I believe that Sarah will get McClueless's ear and maybe his job.
She is the only hope for securing the country in the next 4 years.
None of the three Mouseketeers is for drilling in ANWAR, but Sarah is. McClueless finally bellied up for offshore drilling realizing that 80% of Americans regardless of party want us to drill our own oil. Remember the blog on drilling in ANWAR a couple of months ago, here is the link.
Did you know Ford has a car that gets 65 miles per gallon of diesel. They sell tons of them in Europe. They can't sell them in the US though because they are deemed unsafe for our roads. Don't pass the crash test. These same idiots elected by you and me have no problem letting motorcycles travel these same roads???? Shouldn't they let the marketplace decide? Give me the safety ratings and the gas mileage I am a big boy.
Now we have got 2 Political Parties arguing over lipstick on a pig on the eve of 9-11. Kind of disappointing isn't. I hate when Republicans get offended as a few did yesterday over the lipstick comment. The Democrats are the party of the offended. We shouldn't try to horn in on them.
I always say you can't offend me cause I want let you and if that offends you well then I'm offended that you are offended. So there.
The government is bailing out the housing industry giving them ever reaching tentacles into the profits you generate at some point in time when the market turns around. 95% of the loans are good, subprime and otherwise, so we are really bailing out the banks. The same people that ran Freddie and Fannie into the ground had to take them over because they did.
And you want these idiots to take over health care. Where will the Canadians go when they get sick.
Lastly I heard a quote attributed to John Adams on a financial show this morning.
One useless person is a disgrace.
Two is a law firm.
Three or more are Congress.
I guess that sums it up.
Wednesday, September 10, 2008
You will have to watch this twice because the first time you will be watching the comb over gone terribly wrong. But watch again and listen to him.
He's from a predominantly black district in Tennessee.
He is also the Congressman who has set the table for reparations if Hussein wins. Watch below.
I feel an obligation to honesty and truth to share with you some facts. My Father and Mother instilled in me the values and morals of treating people fairly and always being honest. If you purchase something, you pay for it. If you borrow something, you give it back.
I have been "stiffed" three times in my 30 year professional career by someone who I rendered services to, gave a finished product to, but who refused to pay for those services even though they acknowledged the services and products were correct, were what they asked for, and were never challenged for not being correct. I am lucky in having only three, but those three hurt badly.
Joe Biden was one of those people. I worked on his 1988 Presidential campaign financial disclosure engagement. I busted it for him and got everything right. He stiffed me for over $15,000 worth of work. He refused to pay once he dropped out of the race. I did similar Capitol Hill campaign financial disclosure work for Bob Dole, Pat Buchanan, and a Democratic candidate for Ambassador to New Zealand. All of those folks paid even though they lost the election or did not get the appointment. That type of work is very demanding and very tedious because your efforts are scrutinized by Congress. Biden did not care.
I am on the Board of Directors of a company that owns a majority position in a private jet management company in Northern Virginia. They manage jets for businesses and rich folks. They also charter planes to the public. This past winter John Thompson chartered over $250,000 worth of air time. He paid every penny.
Joe Biden, in his latest unsuccessful run for President, chartered over $150,000 worth of air time. He PAID ZERO. He continues to refuse to pay stating his race is over and he is out of money. He never once complained about his flights. Joe Biden is a rich man. He could pay.
Joe Biden is a liar and a cheat. I know it first hand. Character is what life is all about. Joe Biden is a man of bad character and sets a bad example for America.
I feel compelled to share this dark side of a man who asks for your vote and trust.
Bruce D. Riddle, CPA, CFP
LLC2401 Research Boulevard, Suite 101
Rockville, MD 20850
Work - (240) 631-1981
Cell - (301) 580-7800
Fax - (240) 631-2778
Website - http://www.bdrtax.com/
Tuesday, September 9, 2008
2 minutes of introduction and the she gets on stage
Monday, September 8, 2008
You have got to watch this. Sent in by my Fraternity Brother and friend Gary Knox, a former Mayor who was on the extra very long list. I just heard this Hero did this on his own, it's not paid for by McCain.
For the blog, this is a good commercial that strikes home with our family in remembering the loss of my cousin, Sgt. Christopher Jones Chapman, Blackhawk Crew Chief on February 22, 1991 in Iraq, 48 hours before the ground war begin. All were lost on this daring night mission including the rescued pilot.
Gary T. Knox
This was a pretty good showing for McCain.
Great little look back in to history.
You couldn't become chief of surgery after 143 days of experience of being a surgeon.
You couldn't get a job as a teacher and be the superintendent after 143 days of experience.
You couldn't join the military and become a colonel after a 143 days of experience.
You couldn't get a job as a reporter and become the nightly news anchor after 143 days of experience.
BUT.... 'From the time Barack Obama was sworn in as a United State Senator, to the time he announced he was forming a Presidential exploratory committee, he logged 143 days of experience in the Senate.
That's how many days the Senate was actually in session and working. After 143 days of work experience, Obama believed he was ready to be Commander In Chief, Leader of the Free World .... 143 days.We all have to start somewhere. The senate is a good start, but after 143 days, that's all it is - a start.
AND, strangely, a large sector of the American public is okay with this and campaigning for him. We wouldn't accept this in our own line of work, yet some are okay with this for the President of the United States of America ?
Come on folks, we are not voting for the next American Idol! Please, please forward this before it's too late!!!!
For years he wrote a weekly intelligence update that was extremely interesting and well structured and informed.
He consults(ed) with several mega corporations on global trends and the future, etc. I think he is in semi-retirement now.
He is a true patriot with a no-nonsense approach to everything.
He is also a somewhat well known mountain climber and adventurer.
Dr. Jack Wheeler Regarding Obama
Written by Dr. Jack Wheeler
The O-man, Barack Hussein Obama, is an eloquently tailored empty suit.
No resume, no accomplishments, no experience, no original ideas, no understanding of how the economy works, no understanding of how the world works, no balls, nothing but abstract empty rhetoric devoid of real substance. He has no real identity. He is half-white, which he rejects. The rest of him is mostly Arab, which he hides but is disclosed by his non-African Arabic surname and his Arabic first and middle names as a way to triply proclaim his Arabic parentage to people in Kenya .
Only a small part of him is African Black from his Luo grandmother, which he pretends he is exclusively.
What he isn't, not a genetic drop of, is 'African-American,' the descendant of enslaved Africans brought to America chained in slave ships. He hasn't a single ancestor who was a slave. Instead, his Arab ancestors were slave owners. Slave-trading was the main Arab business in East Africa for centuries until the British ended it.
Let that sink in: Obama is not the descendant of slaves, he is the descendant of slave owners. Thus he makes the perfect Liberal Messiah.
It's something Hillary doesn't understand - how some complete neophyte came out of the blue and stole the Dem nomination from her.
Obamamania is beyond politics and reason. It is a true religious cult, whose adherents reject Christianity yet still believe in Original Sin, transferring it from the evil of being human to the evil of being white.
Thus Obama has become the white liberals' Christ, offering absolution from the Sin of Being White. There is no reason or logic behind it, no faults or flaws of his can diminish it, no arguments Hillary could make of any kind can be effective against it. The absurdity of Hypocrisy Clothed In Human Flesh being their Savior is all the more cause for liberals to worship him: Credo quia absurdum, I believe it because it is absurd.
Thank heavens that the voting majority of Americans remain Christian and are in no desperate need of a phony savior.
His candidacy is ridiculous and should not be taken seriously by any thinking American.
I verified this via this below:
I had seen this then lost the link. My brother Steven and Joy both sent it to me but I could not upload to the blog. Finally katie sent it to me with a link.
Thanks to all.
A letter from one of the 14% who are not in the 86% who approve her job as Governor.
Michael Reagan welcomes his Dad back.
Thanks Bobby and Joy.
Thursday, September 4, 2008
Wednesday, September 3, 2008
Scroll back and forth on the arrows to see the pics.
Don Fowler former DNC Chairman and Democrat Congressman John Spratt Democrat NC flying home from the Democrat Convention laughing about Hurricane Gustav hitting New Orleans at the same time the Republican Convention starts.
Chocolate City ain't to important to these two Democrats.
Tuesday, September 2, 2008
I would argue the young lady has spent a fair amount of time helping raise her younger brother and sisters and is well aware of what lies ahead challenging as it might be.
It does in an ironic sort of way make a very strong argument for abortion though. Think if 48 or so years ago a little girl from Kansas had decided when she was 17 and pregnant and unwed that the best choice for her was that of the most of libbies in the press?
We wouldn't have little Hussein running for President.
Both of her parents, liberal Democrats, were standing there, so I asked her, 'If you were President what would be the first thing you would do?'
She replied, 'I'd give food and houses to all the homeless people.'
'Wow - what a worthy goal!' I told her, 'You don't have to wait until you're President to do that. You can come over to my house and mow, pull weeds, and rake my yard, and I'll pay you $50. Then, I'll take you over to the grocery store where the homeless guy hangs out, and you can give him the $50 to use toward food or a new house.'
She thought that over for a few moments because she's only 6.
And while her Mom glared at me, she looked me straight in the eye and asked, 'Why doesn't the homeless guy come over and do the work, and you can just pay him the $50?'
And I said, 'Welcome to the Republican Party.' Her folks still aren't talking to me.
Friday, August 29, 2008
Well we are only 1 SPF away from someone I can vote for.
Sarah Palin is a man's man. She is a Conservatives Conservative. She is a Mom. She is a soldiers Mom. She can hunt and fish and play point guard. She can cut taxes and clean up corruption.
I was in the Gym and the row of bikes I was on had guys all TV's tuned to Fox we all had individual headsets. They had 2 libbies and a former McCain worker. I guess I better make that three libbies.
They were interviewing one libbie woman who rattled off all the concerns the Republicans have with McCain's pick and in unison we bust out laughing. The libbies are just to stupid. Our problem is with McCain.
Finally he does something conservative.
Thursday, August 28, 2008
I don't know whose words these are and Hussein may not be a terrorist, and he may not be a Muslim, and he may not be a racist, and he may not be a Communist but he is way to friendly with way to many of them to be President of The United States of America.
This sent in from Shirley,
I’m talking about Obama’s role in the Chicago Annenberg Challenge (CAC), and his ill-conceived ad attacking McCain’s associations which opened the door for McCain to bring to public view something Obama has — with clear media connivance — lied about and tried to conceal: His close association with William Ayers in a program he botched.
The last thing Obama should want made public are his dubious associates. The public has had some exposure to his long time spiritual adviser, Rev. Jeremiah Wright, many have heard of the convicted Chicago fixer Tony Rezko, and some have just a bit of knowledge about William Ayers. As McCain said Wednesday: “If Barack Obama wants to have a discussion about truly questionable associations, let’s start with his relationship with the unrepentant terrorist William Ayers, at whose home Obama’s political career was reportedly launched . Mr. Ayers was a leader of the Weather Underground, a terrorist group responsible for countless bombings against targets including the U.S. Capitol, the Pentagon and numerous police stations, courthouses and banks. In recent years Mr. Ayers has stated, ‘I don’t regret setting bombs. … I feel we didn’t do enough.’”Some mush was thrown in along the way about having served with him on a charity board, but Obama did not correctly describe the charity or the dates or the extent of their association on it.
The truth is that the two men worked closely together for years, beginning several months before that 1995 fundraiser. The fund Obama chaired and which was supposed to improve public education in Chicago never met its stated purpose of improving public school pupils’ performance and, in fact, probably hindered it, despite having blown through $110 million in the process. And as chairman of this group Obama funneled this money to politically useful types including Fidelistas and Maoists who like Ayers (now vice-president elect of the American Education Research Association) are working to make our public schools indoctrination centers for the left .
Once the public learns more of the CAC, will the voters decide that the manner in which Obama exercised his sole opportunity at executive authority was so good that he deserves the keys to the Oval Office?
Will the voters conclude that the old- professor- in- the- neighborhood story was so disingenuous that Obama was lying to hide from them facts they deserved to know indeed, facts every bit as relevant as Hillary’s failure at health care reform about which they were informed in the primaries?
Will voters who consider education an important issue and surely that includes many important voter groups for Obama take kindly to a man who took $110 million of charitable funds which were earmarked for improving public education and squandered it on salaries for men like Weatherman Ayers and Michael Klonsky, the Maoist leader of the Revolutionary Youth Movement which worked with the Weather Underground and who at the time of CAC’s lavish grants to him worked as a cab driver?
Will the voters regard it as relevant that while Ayers and Obama were furthering their career interests in the disposition of the Chicago Annenberg Challenge millions, they did absolutely nothing per a formal review of the program to improve the academic performance of the pupils in their program and, indeed, may have hindered their academic progress by trying to turn every school they worked with into laboratories of revolutionary action in line with Ayres’ authoritarian agenda and belief that the public school system is nothing but a reflection of capitalist hegemony?
At the moment, the University of Illinois inexplicably has refused to make public all of the documents on the Annenberg Challenge, though on Friday after considerable criticism they announced they will release the documents on Tuesday. The library has refused to name the donor it claims is blocking the release of the documentation. The major media are still dancing the dance of seven veils around the story, but McCain has kicked the story up a notch and the blogosphere is not letting go of it. And the reason for all of this, I believe, is because the University which played a major role in this rip off, the press which is so invested in Obama, and the blogosphere all know the answer to the questions I posed.
This story is going to kill Obama at the polls.
This morning he was interviewed and said this, about the one-shot shoot down of the crippled satellite: "If this country's head was on straight, they would be holding a ticker tape parade for the Crew of the cruiser, USS Lake Erie.
This one rocket firing boosted our National defense 100-fold. North Korea, Iran, China, Russia all know now that we have a safety net that can accurately stop their incoming missiles even if they are out of the earth's atmosphere. Of course, that was the plan all along, and it was a dandy plan. I just hope that the next person in the White House doesn't scrap the system and begin baking cookies for the enemy.
If the wrong person wins they may do just that, and that makes me a little nervous. At any rate, Kudos to the officers and crew of the USS Lake Erie. WELL DONE, BLUE JACKETS!"
Funny, just last week Barack Obama reiterated how when he's President of the US he will stop all missile technology and push for nuclear disarmament. If he were president now, we wouldn't even have been able to shoot that satellite down and show the world that we can protect ourselves and will do so if the need arises.
Obamba doesn't want the rest of the world threatened by the creepy USA. Something to run through your think-0-matic before you vote.
Jack S. Shipley, USN
Well I ran the names trough snopes and came up with nothing. I did hear it reported that Hussein said he would discontinue the missle technology and pursue nuclear disarmament.
Assuming the next president lives to age 80. Sen. McCain would receive ZERO pension as he would reach 80 at the end of two terms as president.
Sen.Obama would be retired for 26 years after two terms and would receive$4,973,800 in pension.
Therefore it would certainly make economic sense to elect McCain inNovember.
How's that for non partisan thinking???
He really is an idiot. Who does he think stands in the way of all those things he admires?
Saturday, August 23, 2008
Almost every staunch Democrat I know both family and friends are unable to vote for Obama.
Some have even said they will vote for McCain. This will free me up to vote for Bob Barr (L). I believe McCain will win NC with 60% of the vote.
Last night I heard of a young lady who worked for Hillary in the West Wing of The White House who is voting FOR McCain.
It's no mystery to you here that I have no use for McCluess or the first Arab-American candidate. He is way more Arab than he is African folks. He also is way more Communist than he is Socialist uh... I mean Democrat.
Boys and girls, ladies and gentlemen let me "set you free."
I will not vote Republican this fall so that you can.
If you have always voted Democrat, you have my permission to cross over to the right side this fall because " This ain't your Daddy's Democrat Party. " Your daddy will understand this vote.
JFK is spinning in his grave watching this election cycle. "Ask not what your Country can do for you...."
FDR would throw down his crutches to kick this Democrat Party in the butt.
Harry Truman really now... A guy who nuked the Japs.... sure didn't sit down for tea with them like the anointed one proposes.
The first Arab-American President Hussein? Are you ready
Hussein picked Biden for VP.
He says McCain was on the wrong side of the vote on the Iraq War.
He says McCain was wrong to approve Clarence Thomas for Supreme Court.
Guess who voted the same way on both issues as McClueless?
Why yes all my loyal libbies, it's Joe "Hey can I borrow that speech" Biden.
You have my permission to pull the Republican lever because I won't.
Friday, August 22, 2008
Here's your chance to let the media know where the people stand on our faith in God, as a nation. NBC is taking a poll on 'In God We Trust' to stay on our American currency. Please send this to every American you know so they can vote on this important subject. Please do it right away, before NBC takes this off the web page. Poll is still open so you can vote.
The sad part about this is there is probably a lot of truth in this. I have heard most of this before. stuff.
Although Bob Smith is a disappointed past Republican Presidential hopeful, and B1 Bob Dornan had his problems with the Republican party also, so there could be some sour grapes with those guys.
But the really sad part for America is even if this is completely true he is still a better choice than the Communist Idiot he is running against.
No wonder Obama has almost half the population behind him.
Such a jerk, low life. In his place Bill Clinton will be speaking.
Thursday, August 21, 2008
# laugh out loud videos.
Monday, August 18, 2008
Sunday, August 17, 2008
Listen to this....
A very good compilation.
Monday, August 11, 2008
This is pretty good and he makes some great points.
Are you ready for Hussein?
Click to watch.
Saturday, August 9, 2008
Note the time and place Johnny granted the interview be aired. 11:30 on the first night of the Olympics.
Reminds me of the old joke, how do you tell when a lawyer is lying?
Click the link and don't forget to watch through the commercials.
If you buy that Johnny wasn't hiding the pickle last month then you probably are voting for Hussein in November also.
Friday, August 8, 2008
I received this from Simon Owens a Blogger whom I've never met or corresponded with. Interesting.
Hey Mark,I read your post about John Edwards finally admitting to his affair. I don't know if you remember this, but the LA Times banned its bloggers from writing about the Edwards affair story because they didn't think the National Enquirer was a "reputable" source. I actually got a phone interview with one of the LA Times' top editors who said so:
I bet the National Enquirer is feeling vindicated right now.Anyway, I thought you and your readers would find this humorous.