Nancy “will Bush Bash for cash” Pelosi claims its Bush’s failed policies that have lead to this financial mortgage crisis we find ourselves in today. Is it the “failed policies” or greed that led to this crisis?
Thanks to these “failed policies” we’re American Homeowner’s today. We failed to qualify for a home twice during the Clinton administration. We bought our first house in 2002. We sold that house and bought our current house in 2006. We’re one of those “no money down” borrowers that are being bashed in the news. The news seems to not realize that not ALL “no money down” homebuyers messed up.
For BOTH houses our lender pre-qualified us for $50,000 more house than we were shopping for. It was nice to have that flexibility but it would’ve been irresponsible to spend that money. Our priority was a house our family could live in and our ability to make our monthly mortgage payment. Combined we’ve now been homebuyers for 6 years and we’ve never missed a payment because we didn’t get greedy and “overbuy” a house we couldn’t afford.
It’s not the “policies” that have failed. It’s human nature that has failed. Greed on both the lender and the borrowers’ side has lead to this crisis. Both Congress and the President should’ve paid attention to what was going on and either warned us or put a stop to it. But, ultimately it was the lenders dangling the giant carrot and the borrowers biting off more than they could chew that lead us to where we are today.
Polls are mixed as to whose blame it is. Regardless of whether the industry is “regulated” or “de-regulated” it ultimately comes down to two things. The lenders authorized the loans and the borrowers signed on the bottom line.
Tuesday, September 30, 2008
Sunday, September 28, 2008
EXPERIENCE (Is it Important?)
There has been a lot of TV and Internet advertisements from both presidential candidates about their competency to be President based on their experience. Senator McCain has been in the Senate for over 25 years while Senator Obama has been in the Senate for about 3 years and two of those he has spent running for President.
Is Experience really that important? Well to put this question into perspective lets up look at this in a much lower level. When a working class person, such as myself, begins looking for a job, the first thing on the potential Employer’s list of requirements is how much and what kind of Experience do you bring to the table. Most of the job openings that I have looked at require at least 5 to 7 years of Experience. That Experience must also be geared toward the type of work that will be performed. A college professor with 20 years of Experience teaching Family Law does not qualify him to be a Criminal Defense Lawyer.
A college student who just graduated with an MBA does not qualify that person to be a CEO of a major corporation. Anyone who is at the top or who is on their way to the top of any company had to start at the bottom first.
So…why are many Americans so willing to put a Junior Senator from Illinois with zero experience into the White House. Senator Obama has never run a business, never governed a city, big or small, never had to work with unions and never had to work with both parties to come to a compromise on a piece of legislation. Only Mayors and Governors have to do it all. Vice Presidential candidate Sarah Palin has done all of this and much more. She is more qualified to be President than the Presidential candidates themselves.
Again, is Experience Important? Every job that I have applied for requires it. Every hiring manager that I have every talked to questioned me about my experience. Every board of directors for every corporation in America demands it before hiring a CEO and every American who holds stock for any corporation in America would be appalled if they found out that the board members had zero Experience in running a corporation.
Okay, America, here is the choice everyone who votes must make. Vote for the candidate with the Experience to run America or vote for the candidate of Change, Senator Obama with no Experience.
The way I see it, if Senator Obama becomes the next President and your job is lost, when you are talking to a hiring manager and that person asks you about your Experience in that particular field and you say that you don’t have any, tell that manager that you should be hired anyway because after all, you did vote for Senator Obama and he had no Experience either.
Is Experience really that important? Well to put this question into perspective lets up look at this in a much lower level. When a working class person, such as myself, begins looking for a job, the first thing on the potential Employer’s list of requirements is how much and what kind of Experience do you bring to the table. Most of the job openings that I have looked at require at least 5 to 7 years of Experience. That Experience must also be geared toward the type of work that will be performed. A college professor with 20 years of Experience teaching Family Law does not qualify him to be a Criminal Defense Lawyer.
A college student who just graduated with an MBA does not qualify that person to be a CEO of a major corporation. Anyone who is at the top or who is on their way to the top of any company had to start at the bottom first.
So…why are many Americans so willing to put a Junior Senator from Illinois with zero experience into the White House. Senator Obama has never run a business, never governed a city, big or small, never had to work with unions and never had to work with both parties to come to a compromise on a piece of legislation. Only Mayors and Governors have to do it all. Vice Presidential candidate Sarah Palin has done all of this and much more. She is more qualified to be President than the Presidential candidates themselves.
Again, is Experience Important? Every job that I have applied for requires it. Every hiring manager that I have every talked to questioned me about my experience. Every board of directors for every corporation in America demands it before hiring a CEO and every American who holds stock for any corporation in America would be appalled if they found out that the board members had zero Experience in running a corporation.
Okay, America, here is the choice everyone who votes must make. Vote for the candidate with the Experience to run America or vote for the candidate of Change, Senator Obama with no Experience.
The way I see it, if Senator Obama becomes the next President and your job is lost, when you are talking to a hiring manager and that person asks you about your Experience in that particular field and you say that you don’t have any, tell that manager that you should be hired anyway because after all, you did vote for Senator Obama and he had no Experience either.
Tuesday, September 23, 2008
Biden Doesn't Know What's in his Own Plan
Democrats and the mainstream media have accused Sarah Palin of not know what the “Bush Doctrine” is. Are they now going to attack Joe Biden for not knowing what’s in the Obama-Biden energy plan?
Today in Ohio, when asked about clean coal technology plants in America, Joe Biden responded with "No coal plants here in America," he said. "Build them, if they're going to build them, over there (China). Make them clean. We’re not supporting clean coal," he said of himself and Obama.
Hmmm, Joe Biden doesn’t seem to know what’s in the Obama-Biden energy plan. According to the Obama-Biden energy plan they support "clean coal" technology and want to support financially five coal plants that use carbon capture and sequestration technology.
So, if they want to support five coal plants but they won’t be in America where will they be? More outsourcing? Is the Obama-Biden plan going to ship more jobs out of America or does Joe Biden just not know what he’s talking about?
Today in Ohio, when asked about clean coal technology plants in America, Joe Biden responded with "No coal plants here in America," he said. "Build them, if they're going to build them, over there (China). Make them clean. We’re not supporting clean coal," he said of himself and Obama.
Hmmm, Joe Biden doesn’t seem to know what’s in the Obama-Biden energy plan. According to the Obama-Biden energy plan they support "clean coal" technology and want to support financially five coal plants that use carbon capture and sequestration technology.
So, if they want to support five coal plants but they won’t be in America where will they be? More outsourcing? Is the Obama-Biden plan going to ship more jobs out of America or does Joe Biden just not know what he’s talking about?
Saturday, September 20, 2008
Wall of America
There has been much talk and many proposals on how to handle the illegal immigrant situation. Senator McCain and Senator Ted Kennedy came together in a joint effort and proposed an immigration reform bill that would lead to the amnesty and eventual citizenship of approximately 12-million illegal immigrants, which was eventually defeated in the Senate.
Illegal immigration is a very sensitive subject where 80% of the American People wanted some sort of immigration reform, which included the closing and securing of the border. After much hesitance by the Bush Administration the solution was to build a fence along the border. The cost of such a fence is of course, enormous, and the fence itself, is of course a joke. Any U.S. marine could get over the fence within a few seconds. This is a shoddy attempt, at best, to appease the American People at Taxpayers expense.
We at America’s Voice are not against immigration, but we are opposed to illegal immigration. Although the fence is a good idea, we at America’s Voice believe it should be on a grander scale. We believe that the fence should be replaced by the “Wall of America”.
The “Wall of America” would be on the scale of the ‘Great Wall of China’. This wall would essentially be a super highway consisting of 4 to 6 lanes across, 50-feet high and about 30-feet deep. The walls on both sides would consists of re-enforced concrete about 5 to 8-feet thick. There would be guard towers every half mile on the Mexico side containing the latest in surveillance technology. These towers would also be large enough to allow the border patrol to station an officer in the tower. These towers would be accessible via steps or an elevator from inside the wall in an open space between the walls below the highway.
This open space under the highway would be 3-stories deep where the ground floor would also be a highway specifically for the border patrol and/or possible troop movements along the entire stretch of highway above. The other two lower stories could house the control rooms that monitor the cameras and any other listening devices to prevent tunneling or explosions of any sort.
On the American side there would be on and off ramps at various locations, especially where there is current border crossings. These locations would have the usual GAS, FOOD, and LODGING available, like any other U.S highway.
The "Wall of America" would be built completely on the American side of the border by anyone who would be willing to work on the project for a fair wage and benefits. Each border state would be responsible for building their section of the wall, which would be funded by both the state and the U.S. Government via tax dollars.
If we can fund a war, wouldn’t the money be better spent putting thousands of people and ex-military solders to work to build a monument that could easily become the 9th wonder of the world leaving behind a testament to the determination and engineering genius of Americans from the 21st century?
Once completed each border state could put a toll on the part of the highway that runs through their state to recoup the money spent in building it. Since this would be a modern marvel it could also be billed as a tourists attraction that would allow tourists from around the world to travel the 720 miles of highway stopping along the way at the Hotels that would surly be built.
The “Wall of America” would provide the security along our border that the American People want, provide thousands of jobs and eventually become a tourist attraction, thus providing even more jobs because of increased tourism and more importantly give our politicians time to come up with a very real and comprehensive Immigration reform policy.
Illegal immigration is a very sensitive subject where 80% of the American People wanted some sort of immigration reform, which included the closing and securing of the border. After much hesitance by the Bush Administration the solution was to build a fence along the border. The cost of such a fence is of course, enormous, and the fence itself, is of course a joke. Any U.S. marine could get over the fence within a few seconds. This is a shoddy attempt, at best, to appease the American People at Taxpayers expense.
We at America’s Voice are not against immigration, but we are opposed to illegal immigration. Although the fence is a good idea, we at America’s Voice believe it should be on a grander scale. We believe that the fence should be replaced by the “Wall of America”.
The “Wall of America” would be on the scale of the ‘Great Wall of China’. This wall would essentially be a super highway consisting of 4 to 6 lanes across, 50-feet high and about 30-feet deep. The walls on both sides would consists of re-enforced concrete about 5 to 8-feet thick. There would be guard towers every half mile on the Mexico side containing the latest in surveillance technology. These towers would also be large enough to allow the border patrol to station an officer in the tower. These towers would be accessible via steps or an elevator from inside the wall in an open space between the walls below the highway.
This open space under the highway would be 3-stories deep where the ground floor would also be a highway specifically for the border patrol and/or possible troop movements along the entire stretch of highway above. The other two lower stories could house the control rooms that monitor the cameras and any other listening devices to prevent tunneling or explosions of any sort.
On the American side there would be on and off ramps at various locations, especially where there is current border crossings. These locations would have the usual GAS, FOOD, and LODGING available, like any other U.S highway.
The "Wall of America" would be built completely on the American side of the border by anyone who would be willing to work on the project for a fair wage and benefits. Each border state would be responsible for building their section of the wall, which would be funded by both the state and the U.S. Government via tax dollars.
If we can fund a war, wouldn’t the money be better spent putting thousands of people and ex-military solders to work to build a monument that could easily become the 9th wonder of the world leaving behind a testament to the determination and engineering genius of Americans from the 21st century?
Once completed each border state could put a toll on the part of the highway that runs through their state to recoup the money spent in building it. Since this would be a modern marvel it could also be billed as a tourists attraction that would allow tourists from around the world to travel the 720 miles of highway stopping along the way at the Hotels that would surly be built.
The “Wall of America” would provide the security along our border that the American People want, provide thousands of jobs and eventually become a tourist attraction, thus providing even more jobs because of increased tourism and more importantly give our politicians time to come up with a very real and comprehensive Immigration reform policy.
Thursday, September 18, 2008
Joe Biden’s Patriotic Taxes
Joe Biden says it’s patriotic to pay higher taxes. On ABC’s Good Morning America when asked about Obama’s plan to tax the wealthy he said "It's time (for the well-off) to be patriotic." Thus, if citizens don’t pay MORE taxes they’re not patriotic. I’m willing to be less Patriotic if he’d like to be more Patriotic and pay my taxes for me. Wouldn't it be MORE Patriotic for the Congress and Senate to reduce wasteful spending so us Patriots don't HAVE to pay more taxes?
The idea of taxing the wealthy sounds great. It’s the whole Robin Hood (or Obama Hood in this case) idea of stealing from the rich and giving to the poor. The Robin Hood story is a good one but it’s just that…a story. We happen to live in the REAL world. In the REAL world the wealthy don’t really pay taxes.
In our REAL world we have Trickle Down economics. Ronald Reagan was right. Everything trickles down from the wealthy to the middle class and on down to the poor. Like it or not, agree with it or not the fact is that the good trickles down and the bad trickles down as well.
If taxes are raised on the wealthy they’ll raise the prices of goods and services the rest of us use. They’ll wrap the new taxes into the cost of doing business and pass that cost on to the rest of us (a.k.a. trickle down). The wealthy own businesses and hire employees. They’ll raise prices and/or reduce staff. While it’s true we non-wealthy citizens will pay fewer taxes we’ll pay more for goods and services. The end result is the non-wealthy will foot the bill and have less money to take care of their family’s while Joe Biden credits the wealthy for being MORE Patriotic than the rest of us.
Link to story at kcstar.com
The idea of taxing the wealthy sounds great. It’s the whole Robin Hood (or Obama Hood in this case) idea of stealing from the rich and giving to the poor. The Robin Hood story is a good one but it’s just that…a story. We happen to live in the REAL world. In the REAL world the wealthy don’t really pay taxes.
In our REAL world we have Trickle Down economics. Ronald Reagan was right. Everything trickles down from the wealthy to the middle class and on down to the poor. Like it or not, agree with it or not the fact is that the good trickles down and the bad trickles down as well.
If taxes are raised on the wealthy they’ll raise the prices of goods and services the rest of us use. They’ll wrap the new taxes into the cost of doing business and pass that cost on to the rest of us (a.k.a. trickle down). The wealthy own businesses and hire employees. They’ll raise prices and/or reduce staff. While it’s true we non-wealthy citizens will pay fewer taxes we’ll pay more for goods and services. The end result is the non-wealthy will foot the bill and have less money to take care of their family’s while Joe Biden credits the wealthy for being MORE Patriotic than the rest of us.
Link to story at kcstar.com
Wednesday, September 10, 2008
The Audacity of Bad Judgment
At the Republican Convention Sarah Palin ad libbed a joke in response to audience cheers from Alaska women: "You know what the difference is between a hockey mom and a pit bull?" she asked, pausing perfectly. "Lipstick!" Since then there have been signs at the McCain/Palin rally's along the same lines stating "Read My Lipstick" and so forth with the "lipstick" theme. Sarah Palin, as far as we know, is the only one of the four candidates that wears lipstick on a regular basis (although I have my suspicions about Biden). Thus, the word "lipstick" is hers in this Presidential Campaign.
Yesterday, after commenting on the Republicans policies (or lack thereof), Senator Barack Obama punctuated his comments with the line "You can put lipstick on a pig but it's still a pig". Granted this is a very old line used to imply that no matter how much you pretty up something it doesn't change what it is. An ugly pig is still a pig and a bad policy is still a bad policy.
Yesterday, after commenting on the Republicans policies (or lack thereof), Senator Barack Obama punctuated his comments with the line "You can put lipstick on a pig but it's still a pig". Granted this is a very old line used to imply that no matter how much you pretty up something it doesn't change what it is. An ugly pig is still a pig and a bad policy is still a bad policy.
John McCain has used a similar line in the past about wrestling with pigs. When asked about Democratic National Committee Chairman Howard Dean's criticism of him as "a blatant opportunist'' McCain replied that he doesn't want to "go down" to that level and "I think it was Bob Dole, you know, that said you don’t want to get into a wrestling match with a pig, You both get dirty, and the pig likes it.” This was an analogy about sinking to a low level rather than actually calling anyone a name.
Even IF Obama didn't intend to call Sarah Palin a pig was it a good idea to exercise bad judgment and use a line that can be construed as if he was calling Sarah Palin a pig? Even IF McCain was calling Howard Dean a "pig" is it a good idea to sink to the same low level and call the most popular Governor in the United States a "pig"? Is sinking to lower levels going to get us the change we need in Washington?
Awhile back Barack Obama convinced many people that while he lacked experience he would make up for it with good judgment. I try to pick out the rare things he says that I agree with in an attempt to accept him as our President should he win in November but then he goes and does silly childish things like this. When is this "good judgment" going to kick in? It seems he also has a lack of experience with GOOD judgment as well.
Even IF Obama didn't intend to call Sarah Palin a pig was it a good idea to exercise bad judgment and use a line that can be construed as if he was calling Sarah Palin a pig? Even IF McCain was calling Howard Dean a "pig" is it a good idea to sink to the same low level and call the most popular Governor in the United States a "pig"? Is sinking to lower levels going to get us the change we need in Washington?
Awhile back Barack Obama convinced many people that while he lacked experience he would make up for it with good judgment. I try to pick out the rare things he says that I agree with in an attempt to accept him as our President should he win in November but then he goes and does silly childish things like this. When is this "good judgment" going to kick in? It seems he also has a lack of experience with GOOD judgment as well.
Tuesday, September 9, 2008
Dem Ticket Upside Down
The Presidential tickets seem to be upside down. Joe Biden is missing and Barack Obama is playing the Vice Presidential attack dog role by calling Sarah Palin a liar. Why is the Presidential candidate of one party calling the others Vice Presidential choice a liar? Where's Joey Biden? Attacking the other candidates is the Vice Presidential candidates role. John McCain is a little quieter recently too. It seems this election is suddenly Barack Obama versus Sarah Palin and both are acting like Vice Presidential candidates. Except only one of them truly is a Vice Presidential candidate.
http://elections.foxnews.com/2008/09/09/obama-accuses-maverick/
http://elections.foxnews.com/2008/09/09/obama-accuses-maverick/
Friday, September 5, 2008
Party Crashers
Isn’t it funny that more protestors were arrested at the Republican convention in Minnesota than the Democrat convention in Colorado?
It was the Democrat anti-war protesters causing a ruckus in Minnesota this week and last week in Colorado it was the Democrat anti-war protesters that…hey, wait a minute. The same people were the biggest protesters at BOTH conventions.
Hmmm, so the Republicans left the Democrats alone to have their convention but the Democrats couldn’t return the favor. Which party was the mean one again?
http://www.reuters.com/article/politicsNews/idUSN0446401720080905
http://cbs4denver.com/politics/saint.paul.denver.2.810733.html
It was the Democrat anti-war protesters causing a ruckus in Minnesota this week and last week in Colorado it was the Democrat anti-war protesters that…hey, wait a minute. The same people were the biggest protesters at BOTH conventions.
Hmmm, so the Republicans left the Democrats alone to have their convention but the Democrats couldn’t return the favor. Which party was the mean one again?
http://www.reuters.com/article/politicsNews/idUSN0446401720080905
http://cbs4denver.com/politics/saint.paul.denver.2.810733.html
Thursday, September 4, 2008
Palin Power
Wow, a lot is being made of a speech writer helping write Sarah Palin’s speech last night. Is it because she’s a woman that they’re picking on her? The men don’t write 100% of their own speeches either. Could ANY speech writer do all the research necessary to include all her personal items and accomplishments WITHOUT her being involved? No way.
Does anybody think that any of these politicians write their own speeches? It’s extremely rare. I think it was Chris Mathews (the news guy) who was a speech writer for both Ronald Reagan and Bill Clinton. Even Jerry Lewis helped JFK with his speeches during JFK’s presidential run. JFK would send him speeches and ask Jerry Lewis to make them more entertaining.
Sarah Palin's speech was obviously exceptionally written, genuinely honest and superbly delivered or they’d have more to pick on than just WHO wrote it.
Does anybody think that any of these politicians write their own speeches? It’s extremely rare. I think it was Chris Mathews (the news guy) who was a speech writer for both Ronald Reagan and Bill Clinton. Even Jerry Lewis helped JFK with his speeches during JFK’s presidential run. JFK would send him speeches and ask Jerry Lewis to make them more entertaining.
Sarah Palin's speech was obviously exceptionally written, genuinely honest and superbly delivered or they’d have more to pick on than just WHO wrote it.
Tuesday, September 2, 2008
Ironic Democrat Contradictions
Isn’t it ironic that the Democratic Party is the one upset most about Sarah Palin’s 17-year old daughter being pregnant (she’ll be 18 in October)? Isn’t this the party that promotes Women and Women’s rights the most? Over 55% of the Democratic Party is Women. This is the party that supports a Woman’s right to choose. This is the party that says Women CAN juggle work and family successfully. This is the party that says Women don’t have to be married to raise a family. This is the party that demands equal pay for Women. Would these pro-choice Democrats prefer that she had an abortion a few months ago or wait a couple of more months to jam a tube in its head during birth and suck its brains out? Militant Pro-choicers do tend to forget that LIFE is one of the choices.
Are they saying that Sarah Palin is a bad parent because she couldn’t manage to control a teenage girl 100% of the time? Even parents who are home all the time become pre-mature grandparents. Are they aware there’s are over 750,000 pregnant teenagers in America right now? Are they ALL the product of bad parenting? Are these teenagers not responsible at all for their own actions? With parents, schools, and even TV shows promoting safe sex is it really safe to assume there’s even one pregnant teenage girl who had absolutely no idea pregnancy was possible?
To insinuate she’s a bad parent because of her daughter’s personal actions is irresponsible. I’m sure when Ted Bundy got into the University of Washington his friends and family congratulated his parents for doing such a good job of raising this intelligent well-behaved young man. At what point did THEY become bad parents? Teenagers are going to be teenagers. All a parent can do is teach them what they can. If a teenager chooses to ignore the warnings then that’s not the parents fault. That’s where personal responsibility comes into play.
Are they saying that Sarah Palin is a bad parent because she couldn’t manage to control a teenage girl 100% of the time? Even parents who are home all the time become pre-mature grandparents. Are they aware there’s are over 750,000 pregnant teenagers in America right now? Are they ALL the product of bad parenting? Are these teenagers not responsible at all for their own actions? With parents, schools, and even TV shows promoting safe sex is it really safe to assume there’s even one pregnant teenage girl who had absolutely no idea pregnancy was possible?
To insinuate she’s a bad parent because of her daughter’s personal actions is irresponsible. I’m sure when Ted Bundy got into the University of Washington his friends and family congratulated his parents for doing such a good job of raising this intelligent well-behaved young man. At what point did THEY become bad parents? Teenagers are going to be teenagers. All a parent can do is teach them what they can. If a teenager chooses to ignore the warnings then that’s not the parents fault. That’s where personal responsibility comes into play.
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