28 November, 2022

Marriage Resources

 One of the greatest things about our modern technology is the amount of free resources.  I am publishing this as a place for me to recommend and keep track of my favorite marriage resources.


5 Stars

Connection Codes Their foundation courses are absolutely amazing at helping teach us how to connect with other humans(most spouses are human).  The courses are moderately expensive, but the book is inexpensive and the podcast is free.  

One Extraordinary Marriage Lots of free resources including 730(as of 11/28/22) episodes of a weekly podcast.  That is over 14 years of weekly podcasts, that is truly amazing.  They have lot's of inexpensive resources and offer coaching and conferences.  Their concept of 6 Pillars of Intimacy is revolutionary.

The Gottman Institute The gold standard in marriage research on what works and what doesn't. Lots of free stuff and lots of content that you have to pay for.

Marriage Fitness An amazing course designed for those in a seriously troubled marriage, but it can help those with smaller issues.  Free email list and some podcasts.

Paul and Lori Byerly have 5 different blogs and now podcasts and other resources.  Solid and biblically based The Generous Wife The XY Code explaining men to women, new blogs Doing Marriage Well

Cliff and Joyce Penner at Passionate Commitment are some of the very first in teaching healthy sexual pleasure from a Christian point of view.  Over 60 years of doing this with lots of free and paid resources.  Book package ENJOY! The Gift of Sexual Pleasure for Women + The Married Guy’s Guide to Great Sex

Christopher Cook not directly about marriage, but one of the most helpful podcasts helping us transform the way God intends


4 Stars    

Dear Young Married Couple Aimed at younger married couple with lots of free resources and some paid ones.

Dana Che Dana doesn't pull any punches talking about Marriage and Sex.  Free and paid resources

Get Your Marriage On Podcasts, Freemium apps and lots of free resources

Dave Ramsey Money causes lots of marital issues and Dave teaches how to handle it better

Growing Love Home of the Love Reboot weekend marriage intensive

Knowing Her Sexually Christian wives explaining women to men

Hot Holy Humorous

XO Marriage Multiple sources of information with a group of books, blogs, courses, conferences, and podcasts


Books

Married Sex One of the best books ever about sex from a Christian perspective

Unlock the Secret to Lasting Intimacy Amazing book really explaining the Song of Solomon

Argument Hangover How to heal from and learn to avoid disconnecting arguments

How to Improve Your Marriage Without Talking About It

Love and War

5 Love Languages  A marriage classic for a good reason

There are lots of good resources, please don't keep on hurting or give up because you can't figure out what to do.  Learn how to relate to your spouse before the pain gets really strong.

15 June, 2020

White Privilege

There has been a lot of talk about "White Privilege" in the news and social media lately.  I think white privilege does exist, but most of what is written makes it seem like it is the only type of privilege and that if you have it you can't fail and if you don't have it you can't succeed.  Here are some other types of privilege I came up with.

Tall privilege
Financial privilege
Beauty privilege
Smart privilege
Talent privilege
Politically connected privilege
Athletic privilege
Stable family privilege
Moral privilege-taught good morals when we are young
Christian privilege
No substance abuse privilege
Work ethic privilege
Born in the US privilege

All of these type of privilege have an effect on your chances of success.  But not one of them, or even the combination  of them is the only determinant.  It is hypocritical  when a very successful black athlete or actor talks about white privilege; but they benefited from tall privilege, and athletic privilege or beauty privilege.  

On the other side consider Johnny Manziel.  He had white privilege, financial privilege, beauty privilege, smart privilege, athletic privilege, and stable family privilege yet he was still a colossal failure.  

How many people are there around who had almost no privilege and were successful anyway?

Talk of privilege removes personal responsibility.  We are all different in many ways including the type of privilege we start with.  But we have an enormous amount of control in how we turn out.  Everyone born in the US has a level of privilege that much of the rest of the world dreams of having.  White privilege is just another way some people want to divide us and make it seem like others have it so much easier than we do.  We know there is some truth to it; that makes it even easier to sell the lie that we are just a product of privilege instead of a product of our decisions.

27 October, 2018

Hero?

The word Hero is thrown around a lot nowadays and I think that is not good.  When a word like hero is overused or used too easily, it cheapens it for those who truly deserve it.  Dictionary.com defines hero as person noted for courageous acts or nobility of character:He became local hero when he saved the drowning child.
I agree with that but I think it needs more clarity.  My definition is a person who acts in a way above and beyond how you expect a reasonable person to act in that situation.  So if a man rescues his own wife or children from a flood, he is not a hero.  If he jumps into the water to rescue someone he doesn't know he is a hero.  
That really clarifies it to me, there are certain expectations we all have of a man, a woman, a parent, a soldier, a policeman, a fireman.  You aren't a hero if you do what is expected of you.  You aren't a hero because you do your job, even if you do it real well.  You aren't a hero because you put on a uniform.  You aren't a hero because you are injured or even die while wearing a uniform.  Those are the reasonable expectations when you took the job that required the uniform.  You can be an honorable: man, woman, parent, soldier, policeman, fireman and not be a hero. That is OK, most people are not heroes.  Let's reserve the term for those that really deserve it.
Does that mean that a soldier, policeman, or fireman can't be a legitimate hero?  No.  It means that to be a hero they have to go above and beyond what is expected.  A policeman is expected to help defend innocents from bad guys, he may do that in a normal way or he may do it in a heroic way.  A soldier is expected to help protect his unit from the enemy, he may do that in a normal way or a heroic way.  A fireman is expected to move toward the fire and help save people and put the fire out, he may do that in a normal way or a heroic way.  Because the expectation is higher, that standard for heroism is higher.  
I think at times our elected officials have encouraged us to call people heroes when they are just doing their job.  Men(and to some extent women) have a natural desire to be heroic.  If the public treats all soldiers, policemen, and firemen as heroes then it becomes easier to recruit them and you can pay them less.  Young men will gladly sign up for a chance to be seen as a hero and will suffer through low pay, lousy schedules, and poor treatment if they think they will be seen as a hero.  
Heroes are very important, what you call heroic is a big part of defining the culture.  Let's use the term properly and rarely to define people that are truly heroic.  If we use the term loosely we have diminished its value for the ones who truly deserve it. 

09 October, 2013

HIS ways are not our ways

I have been studying John 11 recently.  It is a fascinating story of how JESUS did things versus how we expect him to do things. Start in verse 1 "Now a certain man was sick, Lazarus of Bethany, the town of Mary and her sister Martha." Verse 3 says "Therefore the sisters sent to Him, saying, “Lord, behold, he whom You love is sick.”" So they came and told JESUS that Lazarus was sick. Likely they expected JESUS to head that way and heal Lazarus.  They probably had faith/trust/confidence/hope that if JESUS arrived and Lazarus was still alive he would heal him and everything would be OK.  We know from verse 5 "Now Jesus loved Martha and her sister and Lazarus." that JESUS loved them and wanted to help.  Then check out my favorite verse 6 "So, when He heard that he was sick, He stayed two more days in the place where He was."  Wait a minute, we know JESUS loved Lazarus because the previous verse told us so.  Why is he acting like he doesn't care?  How could he do that?

So JESUS takes his time going back to Bethany.  By the time HE gets there Lazarus has been dead 4 days.  Martha hears HE is coming and comes out to meet HIM, they have this conversation in verses 21-27 "Now Martha said to Jesus, “Lord, if You had been here, my brother would not have died. “But even now I know that whatever You ask of God, God will give You.” Jesus said to her, “Your brother will rise again.” Martha said to Him, “I know that he will rise again in the resurrection at the last day.” Jesus said to her, “I am the resurrection and the life. He who believes in Me, though he may die, he shall live. “And whoever lives and believes in Me shall never die. Do you believe this?” She said to Him, “Yes, Lord, I believe that You are the Christ, the Son of God, who is to come into the world.”" So Martha still has a little hope that everything will be OK, but even after JESUS tells her what he is going to do she isn't sure she understands him, it doesn't fit her understanding of the world.

So now JESUS and Martha are walking to the tomb, Mary hears that JESUS has come and runs to meet him.  Verses 32, 33, 35-37 "Then, when Mary came where Jesus was, and saw Him, she fell down at His feet, saying to Him, “Lord, if You had been here, my brother would not have died.” Therefore, when Jesus saw her weeping, and the Jews who came with her weeping, He groaned in the spirit and was troubled. Jesus wept. Then the Jews said, “See how He loved him!”And some of them said, “Could not this Man, who opened the eyes of the blind, also have kept this man from dying?”"  So JESUS didn't get in a hurry when they called him.  Now, he is on his way to the tomb. HE has already told Martha what HE is going to do.  But HE stops on the way to weep for someone HE knows will be alive in a few minutes.  HE shared their grief right before HE ended their grief.  Other people believed JESUS could have healed Lazarus but thought it was too late now.

When HE gets to the tomb HE asks Martha to have them remove the stone, Martha objects; but then obeys because she knows she can trust HIM even though HE came too late, after her brother died.  HE then calls Lazarus out and he walks out alive.

Several things stick out to me in this story.
1.  HIS time schedule not the same as ours.  HE intentionally waited two days for Lazarus to die and start decomposing.  That didn't make sense to them and still really doesn't make sense to me, but I know it was done on purpose and not accidentally.
2. It is only too late when HE says it is too late.  They had seem HIM heal hundreds of people; but no one expected HIM to raise a dead man, that had never been done before.
3. When it seems like he is coming too late that doesn't mean he doesn't care.
4. HE cares and will weep with us when it is time to weep, then take away the need to weep.  I would much rather HE prevent my weeping, or at least fix it first.  But that is not always the way HE does things.
5. When you are in a bad spot and things look hopeless, know that HE cares and wants to fix it.  Even when we can't see a way, HE can see things that we can't.
6. We can trust HIM even when we don't understand, or don't see anything changing.

25 January, 2013

Mass Murder

Mass murder has been in the news a lot recently.  I wanted to contribute my $.02 to the issue.  First there are lies, damn lies, and statistics.  Trying to come up with accurate statistics on moral or immoral uses of guns is virtually impossible.  I can find a statistic to prove any point if I look long enough.  The first question is frequency.  Are there really more mass type attacks today or do we just know more about them in the day of instant 24/7/365 news coverage.  Most of the statistics I have seen seem to show a decrease in numbers of events and fatalities, but I don't think that can be proven.  I want to lay out the reasons behind mass murders and some comments on each.  The reasons are in what I think is the order of importance.

1.  SIN

Ever since Adam and Eve chose to reject GOD and his ways and follow satan's suggestions the world has been awash in sin.  The price has been paid; but most reject the one who paid the price(JESUS), and even those of us who have decided to follow HIM sometimes choose to do things that are sin.  This is an area that no government or any other entity can ever solve.  The only solution is for HIS people to preach HIS gospel and for the people that hear it to choose to follow HIM.  This is really 100% of the cause, the rest is just explaining some of the natural causes.

2.  Psychotropic Drugs

In every virtually every instance that we have information on the killers have been on psychotropic drugs(ADHD, anti depressant, etc).  These are serious mind altering(by intent) drugs.  These drugs have supposedly been tested(by the drug companies), proven safe and effective, and approved by the FDA(a government agency that is hugely influenced by the drug companies).  There are no third party, large scale, double blind tests on any of these drugs.  There is lots of anecdotal evidence of serious issues, as well as warnings on the labels of the problems they can cause. Yet they are prescribed to thousands of children every day, and our "leaders" seem to think this is a good thing.

3.  Family Breakdown

There are many studies on the breakdown of families in our culture(see 1 above).  Our culture and government used to support families and now actively work to destroy them.  When a child grows up in an intact home with a father and a mother the chances of them becoming a mass murderer are minuscule.  When the father is missing by death, the odds go up but not by a whole lot.  When the father is missing by choice(divorce, abandonment, mother's choice, welfare incentives, etc) the odds go way up. And the odds also increase with every generation of fatherlessness.

4.  Abortion

For 40 years now people have grown up knowing that killing children is a government approved activity, at least until shortly after birth.  Do we really think that this does not impact the value that people place on human life?  It has to have an effect.

5.  Government Education camps

When we take large numbers of young people and put them under the authority of government schools for years there are lots of potential problems.  First, you have a target rich environment for someone who wants to commit mass murder.  Second, the system has a way of creating misfits and people who are ostracized by the various groups and need someway to express themselves, somewhere to fit in.  Someway to make a splash.

6.  Media Attention

When there is a mass murder and it gets 24/7 media attention for weeks with the perpetrator's name and picture featured prominently, do we really think this doesn't inspire certain people who want attention to do something to get their name in lights and draw attention to themselves?  Does this mean it shouldn't be covered?  No, but the coverage should be cautious about giving glory to the perpetrator.  Do you realize that there are around 100 people killed on an average day in car accidents with no news coverage outside of a  small area.

7.  Video and TV violence

This has been frequently cited and I think it is certainly part of the problem.  There is no way a young man can spends hours watching violent acts on TV and acting them out on video games without it having some effect on the way he sees the world.

8.  Guns

Yes, if there were no guns in the world there would be less of these crimes.  In the recent case in Massachusetts, if his mother did not own guns and had not shown him how to use them he would have had more difficulty in completing the murders.  The flip side of course is that if there had been an armed good guy there, he MIGHT have been stopped much earlier.

Almost all of the media of the recent events has focused on guns and how to eliminate them.  That is clearly impossible.  And if my order of causes is even close to correct the availability of guns is a small part of the problem.  If you look at gun deaths vs auto deaths it is very interesting.  The total numbers are about the same on an annual basis, but there is no talk of car control.  There are intentionally no good statistics of moral(self defense, home invasion, etc) vs immoral(murder, gang fights, etc) gun deaths.  But since we know there are at least some deaths in which the bad guy dies and the good guy lives we absolutely know that cars are more deadly than guns.  We can only guess at the rates of moral to immoral uses, or how many good guys  and bad guys die from guns each year.  So gun control won't stop the problem and has possibly already made it worse(disarming good guys).

Even more importantly if you look at gun deaths is that for every good guy killed by a gun, there have been thousands killed by government tyrants(Hitler, Mao, Stalin, Pol Pot, etc) over the years because the people were defenseless against them.  For anyone to say that the 2nd Amendment(written by leaders of a nation that had just fought the world's greatest military power for their own independence using privately owned weapons) isn't about military type weapons is ridiculous at face value.  That is clearly the reason for the Amendment.  The good news is that many Americans understand this and are fighting back against more restrictions on gun ownership.  As Vox Day said on his blog "The American people have made it eminently clear that even if 100 kindergartens are machine-gunned tomorrow, they'll pull their kids out of school and take them shopping at the gun store rather than disarm." I see that as a positive, you don't save the kids in the short or long term by giving up your GOD  given right to protect yourself and your children.

The second purpose for the 2nd Amendment is for self defense against smaller scale thugs(robbery, murder, rape, etc).  In this case statistics are clear.  The states with the tightest gun control laws(Connecticut, Illinois, Michigan, New York, New Jersey, California) have the highest rates of violent crime.  And more importantly as many states have introduced Concealed Handgun carry in one form or another their crime rates have gone down, while at the same time the states with more gun control have gone up.

So, what is the solution.  The solution is the same as it has been for every problem since Adam and Eve.  JESUS.  Sin(rebellion against GOD) must be paid for, "the wages of sin is death(eternal damnation)."  I have sinned and fallen short of the glory of GOD, so have you.  I deserved eternal damnation, I owed the debt.  JESUS came to earth to pay the price for me, and you.  But you have a choice, you can accept that HIS death paid the price for your sin, choose to follow HIM and your sins are erased and you will spend eternity in heaven(and are very unlikely to ever be a mass murderer).  Or you can reject his offer of forgiveness and try to get into heaven on your own good works(you will be rejected, you are guilty).  Or you can actively choose to go to eternal damnation(bad idea).

04 December, 2012

Secession! Good or bad? Right or wrong?

There has been much talk about secession in the news since the recent election.  People in large numbers are unhappy with the direction the US is headed and feel powerless to stop it.  So what should our response be?  Is secession legal?  Is it the right thing to do?

Simply put the right to Secession is a GOD given right, as Jefferson put it in the Declaration of Independence (go ahead and read it, I will wait) governments exist to secure our GOD given rights.  Government didn't give them and government can't take them away.  None of our GOD given rights can be taken away by government, any law that takes them away is illegitimate because it violates a higher law.

Many people say that the secession issue was decided at Appomattox when Lee surrendered after the War for Southern Independence.  Not true, losing the war did not take away the right to secede(the right comes from a higher source).  Losing the war only proved that the north was willing to fight and destroy to keep their subjects in control.  They may still be willing to do that.  So, even if secession is not legal(that is not really decided) it is our GOD given right that we can exercise if we so desire.

So is secession a good idea?  Maybe.  We can look and see that there are drastic differences between states and regions in the way we think and believe.  If we separate into smaller groups we would get the opportunity to see how well each way of governing works.  The US is going down a road of borrowing and spending that cannot continue indefinitely.  If Texas(which requires a balanced budget) left, we could avoid some(much?) of the consequences of the coming collapse.  On the other hand, how many Texicans(or other groups of states considering secession) really are committed to the principles enshrined in the US and Confederate constitutions.  If Texas one day had no(government forced) welfare system, unemployment benefits, etc; how would the people who lost those benefits respond?  Would the peacefully accept the new standard, or would they fight to keep getting something for nothing?  I think secession could extend the life as we know if for a while(maybe another 50 years).  But I certainly don't think it would immediately solve the problems created by 236 years of growing intrusive government.

So what is the solution?  Secession seems to me to be part of the solution.  I think it would give us more time to put into place a true solution.  The US was founded upon GODly principles.  GOD's law works because he set up the world to work that way.  If you follow HIS ways, you get his results.  It is just like a car; if you operate it according to the owners manual, it will last longer and function better.  GOD doesn't punish people who break his laws, HE warns you of the consequences of breaking them and then lets you make your own decision.  As John Adams said "Our Constitution was made only for a moral and religious people. It is wholly inadequate to the government of any other." The change must occur in people's heart and minds or it won't work. People must understand that if you take something from someone by force and give it to another, that is stealing. People must understand that you cannot pass laws and make someone do the right thing, it must come from their heart. If we want to change our country we must first preach the gospel to those who think they know it but don't. When people have accepted JESUS as their Lord, they must learn to follow his ways. The founding fathers had studied history and knew that freedom under GOD was the only form of government that would work. If we want a government that works, it must start in people's hearts and flow out through their lives into their government and the world around them.

08 October, 2012

Conserve What?

There is an election coming up, you might have heard.  We have one man who currently holds the office of president who is not eligible to hold that office even if his story is true(and we have no proof it is).  Running against him we have a former republican governor of the most liberal state in the US pretending to be a regular guy who believes in the constitution and wants to cut government spending.  He says he is a real conservative(at least until January 20).

What exactly does conservative mean?  What do we want to conserve?  Typically most people take it to mean people that want limited consitutional government and nothing more.  But is that really what it means?  If the want to conserve constitutional freedoms in america they are about 230 years too late.  Freedom immediately started being taken away as soon as the US constitional government was established.  It has continued to be taken away step by step ever since.  Sure there have been a few steps toward freedom in those 230 years, but very very few.

Think about what the word conservative means. 
2
a : of or relating to a philosophy of conservatism
b capitalized : of or constituting a political party professing the principles of conservatism: as
(1) : of or constituting a party of the United Kingdom advocating support of established institutions (2) : progressive conservative
3
a : tending or disposed to maintain existing views, conditions, or institutions : traditional
b : marked by moderation or caution <a conservative estimate>
c : marked by or relating to traditional norms of taste, elegance, style, or manners 
 
A conservative by definition wants to preserve or maintain existing views, conditions, or institutions.  I think of it as the person with 1 million freedoms who wants to make them last as long as possible.  If someone comes and tries to steal 3 of them, he gladly negotiates with them and is happy when he only has to give up 1.  Then the next week when they come back demanding  5, he negotiates it down to 2 and willingly gives them up.  This process continues until there are none left.  He conserved them by giving them away slowly, but he still eventually lost them all.

That is not what I am after.  There is very little left that I want to conserve.  We have given up 800,000 of our freedoms and are losing the power to even negotiate how many we give up.  We must move the other direction.

Our founding fathers believed and put into the declaration that we all had GOD given rights to life, liberty, and the pursuit of happiness.  If the rights come from GOD, than government cannot take them away, but they do so daily in little pieces.  

We must start taking back the rights and freedoms that have been stolen from us.  If we don't, this great experiment in freedom that we call the US is over.  That is why we cannot vote for Millard Romney and hope for change.  He is not even telling the truth when he says he is a conservative, as if that was a high enough standard.  Sure, at the debate he espoused principles of freedom and frugality.  But look at the record of his life, and the record of the republican presidents before him.  We have NEVER had a president really even attempt to get back any of our lost freedoms.  Even the best of them only slowed down the taking.

03 October, 2011

09 September, 2011

Links

What does FEMA stand for? and Serfing USA  were very interesting posts about freedom vs beauracracy

03 August, 2011

Homosexual Marriage

The topic of "Homosexual Marriage" has been in the news a lot lately, particularly with our governor's response to the NY law so I thought I would give my thoughts on it.

GOD designed and defined marriage between one man and one woman. HE allowed multiple wives at certain times, but any other form of partnership is clearly not marriage. Therefore there can be no such thing as homosexual marriage. HE defined it and only HE can redefine it, the USA or State of NY cannot redefine what GOD defined. I can call a car an airplane, but that doesn't make it one.

The problem started when government at any level started recognizing and recording marriages. In the US there is no legal authority for county, state, or federal government to recognize, record, or solemnize marriage. It is solely a function of GOD and HIS church.  Government has no business being involved. When government gets involved decisions are made based on political power and not what it right.

Some claim that is just gives homosexuals the same rights as anyone else. They already have the same rights as anyone else, they are free to marry, fornicate, or adulterate as they wish. They can leave their possessions to anyone they want to on their death or during their life. They can jointly buy houses, cars, etc just like married people.

What the homosexual community wants is to destroy CHRISTianity and the attack on marriage is just one method. They want to be able to sin and no one be able to tell them it is a sin. They want to rebel against GOD with no consequences. It doesn't work that way, even if they eliminate the social consequences, there are still eternal consequences to the unrepentant sinner.

It is not "Gay Marriage." The homosexual community has coopted the word gay. The word gay used to mean according to Websters
1  a : happily excited : merry
   b : keenly alive and exuberant : having or inducing high spirits


10 June, 2011

Email Tips from Seth's blog

Before you hit send on that next email, perhaps you should run down this list, just to be sure:
1. Is it going to just one person? (If yes, jump to #10)
2. Since it's going to a group, have I thought about who is on my list?
3. Are they blind copied?
4. Did every person on the list really and truly opt in? Not like sort of, but really ask for it?
5. So that means that if I didn't send it to them, they'd complain about not getting it?
6. See #5. If they wouldn't complain, take them off!
7. That means, for example, that sending bulk email to a list of bloggers just cause they have blogs is not okay.
8. Aside: the definition of permission marketing: Anticipated, personal and relevant messages delivered to people who actually want to get them. Nowhere does it say anything about you and your needs as a sender. Probably none of my business, but I'm just letting you know how I feel. (And how your prospects feel).
9. Is the email from a real person? If it is, will hitting reply get a note back to that person? (if not, change it please).
10. Have I corresponded with this person before?
11. Really? They've written back? (if no, reconsider email).
12. If it is a cold-call email, and I'm sure it's welcome, and I'm sure it's not spam, then don't apologize. If I need to apologize, then yes, it's spam, and I'll get the brand-hurt I deserve.
13. Am I angry? (If so, save as draft and come back to the note in one hour).
14. Could I do this note better with a phone call?
15. Am I blind-ccing my boss? If so, what will happen if the recipient finds out?
16. Is there anything in this email I don't want the attorney general, the media or my boss seeing? (If so, hit delete).
17. Is any portion of the email in all caps? (If so, consider changing it.)
18. Is it in black type at a normal size?
19. Do I have my contact info at the bottom? (If not, consider adding it).
20. Have I included the line, "Please save the planet. Don't print this email"? (If so, please delete the line and consider a job as a forest ranger or flight attendant).
21. Could this email be shorter?
22. Is there anyone copied on this email who could be left off the list?http://www.blogger.com/img/blank.gif
23. Have I attached any files that are very big? (If so, google something like 'send big files' and consider your options.)
24. Have I attached any files that would work better in PDF format?
25. Are there any :-) or other emoticons involved? (If so, reconsider).
26. Am I forwarding someone else's mail? (If so, will they be happy when they find out?)
27. Am I forwarding something about religion (mine or someone else's)? (If so, delete).
28. Am I forwarding something about a virus or worldwide charity effort or other potential hoax? (If so, visit snopes and check to see if it's 'actually true).
29. Did I hit 'reply all'? If so, am I glad I did? Does every person on the list need to see it?
30. Am I quoting back the original text in a helpful way? (Sending an email that says, in its entirety, "yes," is not helpful).
31. If this email is to someone like Seth, did I check to make sure I know the difference between its and it's? Just wondering.
32. If this is a press release, am I really sure that the recipient is going to be delighted to get it? Or am I taking advantage of the asymmetrical nature of email--free to send, expensive investment of time to read or delete?
33. Are there any little animated creatures in the footer of this email? Adorable kittens? Endangered species of any kind?
34. Bonus: Is there a long legal disclaimer at the bottom of my email? Why?
35. Bonus: Does the subject line make it easy to understand what's to come and likely it will get filed properly?
36. If I had to pay 42 cents to send this email, would I?

Chris Anderson has come up with his own list as well.

12 June, 2010

Christianity and Politics

Great article, click on the title to read it.

26 May, 2010

Fast Lane past Security

Texas has decided we need more security at the Capital. They have installed metal detectors and searches at all entrances, but in a brilliant decision, CHL holders get to bypass the metal detectors along with elected officials and state employees.

Another time I am proud of Texas. I think the metal detectors for the general public are a waste of time and money, but at least they are allowing CHL holders around the detectors.

Now if the KGB would allow this on airplanes we could have a little more real security and a little less pretend security.

04 May, 2010

How to act when stopped by police

Many police are great guys doing a tough job. Your reactions determine how smoothly the encounter is going to proceed. Be aware of your rights and act in a way that makes everything better. It works with bad cops too.

28 April, 2010

Rick Perry

I am proud of my governor today. He was out jogging(without his security detail)and with his daughter's dog. He saw a coyote looking like he was about to have dog for breakfast. He drew the Ruger LCP .380 he was carrying(legally in Texas) and shot the coyote. That is the way we deal with these things here.

Click the title to read the whole article.

26 March, 2010

Jan Markell on Obamacare, US freedom, and end times

Interesting way of looking at things. If the US must decrease what is our role in the mean time? Preach the Gospel, heal the sick, cleanse the lepers, raise the dead, open blind eyes, in other words we should be doing what JESUS did when he was on the earth. Politics may or may not move in our favor, but does it really matter in the long run? If it does matter should we resist things that are moving where GOD has preordained them?

I think we must resist tyranny by all available means, but we must realize that our battles may or may not change the end result. We must fight these battles for our times to fulfill our role in the short term. GOD may have called us to such a time as this to fight things that he has ordained will eventually happen.

22 March, 2010

Now What

The Obamanation has passed, now what should freedom loving Americans do? We have several choices.

1. Submit. Most people will say this law was passed by congress and it is our duty to submit. However, any action taken by the congress that violates the Constitution is invalid(no matter what the courts say). If we submit to this extra-constitutional invasion then we may never again have the ability to resist. Our freedoms to own firearms will be gradually taken away until we can no longer resist.

2. Fight in the courts. While the courts may well strike the law down that is far from certain. What if the SCOTUS says the law is constitutional? I think we should fight this battle, but don't expect to really win it.

3. Fight in the ballot boxes. All of the 219 "representatives" that voted for this bill are up for reelection in the fall, make sure they are all defeated(and any others who voted for any of the bailouts). Of course we should fight this battle, and we may win some battles I am not sure we can win the war this way.

4. Fight in the state legislatures. All 50 states have the authority and obligation to stand up to the federal government's intrusion. Most won't do so, but we can win some battles here. The tide at this level is turning in our favor. There should be serious discussion of secession due to this egregious violation of the constitution. We should hope for all 50 states to secede and form confederacies of states.

5. Fight individually. We must resist this bill in any way possible. We must refuse to submit, refuse to pay, resist with our lives and sacred fortunes is we really want to win the battle. We can easily win, but only if we are really willing to fight. Half hearted fighting will not produce freedom.

Much of the problem with our country is that many people want limited socialism(an oxymoron if there ever was one). Large percentages of people want government to control various entities(big business, car manufacturers, utilities, insurance companies, welfare, etc) and make them provide their goods for free or reduced prices with the features we want. You can not have a little socialism. By its very nature it will grow until it encompasses everything. You must kill socialism or it will take over. As long as we have a socialist mindset we can never win the war, we can only win battles along the way and hope for a mindset change in the future. You hope that people will see that socialism is an abject failure at every level. But covetousness makes us all want something for nothing(even when we know it is impossible). We must destroy the mindset of covetousness(it is one of the 10 Commandments, remember). Whatever government gives must have been taken(by force) from someone first.

25 January, 2010

Ermie Hensel

Even when one leads a full life to age 75 it just isn't enough. A dear friend passed away today unexpectedly. He leaves behind a wonderful wife and children/stepchildren, grandchildren, and great grandchildren. He leaves a big hole in the lives of many many others that he touched along the way. Why do we miss them so much when we know they are in a truly better place? Pray for peace for Linda and the family.

09 November, 2009

Amy Grace Zesch

After only 32 hours she has a name. Amy Grace Zesch was born Nov 8, 2009 at 3:37 am(for all you skymaster fans). She weighed 8 lbs and was 21 inches long.

08 November, 2009

Baby

A baby girl arrived toay(Nov 8) at 3:37 am.

27 September, 2009

Happy 66 Gary

In honor of my dad's 66th birthday


From LYRICSMODE.COM lyrics archive
Lyrics | Chuck Berry lyrics - Route 66 lyrics

10 September, 2009

Safety

Interesting article about safety and awareness. Of course she doesn't mention that having a gun might help if you find yourself in a dangerous situation.

Danger lurks everywhere. I’m not talking about health risks or economic downturns, I’m talking about human predators. Most people are good human beings, but there are some who are not. They are dangerous and hunt for victims. The good news is that you can keep yourself safe by following seven simple safety rules.

I’m a 4th Dan Karate Black Belt and learned these seven safety rules during eighteen years of martial arts training. The safety rules are simple, because as human beings, we have a built-in warning system that alerts us to predator danger. This warning system is called fear. Yes, fear is our greatest ally in keeping ourselves safe.

The problem is that our natural warning system has become blunted through easy living. We’ve lost our natural ability to keep ourselves safe. Before I guide you through the seven safety strategies, let me say something about a key safety issue.
Don’t be an easy victim

Predators always go for easy victims. I’m not just talking about big crimes, but also of daily aggression, such a bullying. I remember the time my son Sebastian came home from school and told me that he was being bullied by an older boy. Sebastian was seven years old at the time and had just started karate training. He grew up in a Zen household where peacefulness is valued, so he was confused about how to respond to bullying. Here is what he asked me:

“Mum, if someone hits me, do I just have to take it and not hurt them back?”

“Here’s what to do, Sebastian,” I said. “When the bully threatens you, stand up straight and hold both hands out in front of your chest, palms toward him, and say ‘stop!’ in a loud voice.”

“Why do I hold my hands like that?”

“The open hands in front of you show that you want peace, as well as warning your opponent not invade to your personal space. And, most importantly – you’ve got your hands in place, ready to defend or punch.”

“What? To punch?” His eyes grew round.

“Yes. You need to study your opponent carefully. Wait until he’s just getting ready to throw a punch. Then get in first and punch him on the nose. I promise he’ll never attack you again.”

Sebastian followed my advice. Next day he punched his tormentor just as I had suggested. The kids at school were impressed when they saw the big bully run away crying. I must admit, the headmaster wasn’t so pleased with my strategy, but Sebastian was never bullied again.

He reminded me of my advice a short while ago. “That wasn’t exactly what a peace-loving mother is supposed to say,” he said. “But it worked!”

Remember: never be an easy victim.
7 safety rules that can save your life
1. Be alert

I’m not talking about hyper-vigilance here. Just pay attention to what is around you. Think of all the times you walk around in a day dream, or preoccupied with your problems. Those are the times when you are in danger. Because keeping yourself safe is a matter of paying attention to possible danger and avoiding it.

Keep your wits around you at all times. That means avoid getting drunk or drugged. When you’re inebriated, you turn into an easy victim.
2. Use your senses

When our forebears still lived in caves, the senses were essential survival tools. Smell could signal the approach of a dangerous animal, or lead to a food source. Hearing could alert to a predator creeping up, ready to attack. Taste could discern poisonous food.

These days our sense are blunted and we’ve forgotten to use them in order to keep ourselves safe. Let me give you an example: many people walk through streets listening to music on their iPods. What that means is that someone can easily creep up from behind and attack. I suggest that you never listen to music while walking in order to stay alert to your surrounding.
3. Notice anomalies

Impending danger often shows up in anomalies. What I’m talking about is predators often behave in odd ways. Let me give you some examples. At the time of writing, I’m in Buenos Aires, which has a rising crime rate, due to growing poverty. At times, my partner and I have to walk though streets that are less than safe. Here are anomalies I watch out for:

* A couple or small group coming towards you whose attention is on you, and not on each other.

Normally a couple or a small group are focused on each other, talking and looking at each other. In contrast, predators hunting in packs are focused on possible victims.

* People lurking or loitering without visible reason.

Here’s an example: a few weeks ago my partner won a couple of thousand Dollars playing lotto. When he checked his ticket in the store, the win caused a bit of a stir and the store owner paid him out in cash. I quickly took stock of the situation and noticed that two of the guys who had been behind us in the queue were loitering outside the shop. So I immediately chose the back exit to get us home safely.

* People whose face or gait spells out severe mental illness.

Severe mental disturbance shows in the face and in the gait of a person. For example, a normal person uses diagonal movements when walking: we swing the left arm when the right leg moves forward, and so on. People with severe mental illness often walk with parallel movements, i.e., the right arm and right leg move forward.

Research has shown that we instinctively pick up such anomalies. Take note of your feelings of unease or fear and act upon them without delay. The best way to stay safe is to spot oncoming danger and avoid or evade it.

4. Avoid angry scenes and ugly crowds.

If you are at a club or a party and aggravation builds, leave the place immediately. If you are in a large crowd and the mood turns ugly, quickly move to the edge of the crowd and leave the area.

The word ‘immediately’ is a key to keeping yourself safe. Often you will be tempted to ‘wait and see’. Or someone will say to you, “You’re over-reacting!” To keep safe, you have to give your instinct for danger priority, no matter what others say, or what your mind thinks. Your marker for danger is fear. Take good note of any feelings of disquiet or fear and act upon them.

5. Keep together

I’m sure you have seen videos of lions hunting in the wild. They never attack the leaders of a herd. They attack the stragglers. Human predators follow the same strategy, they target people who are on their own. Make sure to keep up when moving across town with another person or a group. Don’t fall behind, and don’t get separated.

6. Look big and show confidence

I’m sure you’ve seen what cats do when they see a strange dog. They fluff up their fur and appear twice their size. If you sense danger, you need to do the same. Make sure your posture is upright. Let your arms swing by your sides but hold them away from your body a little in order to create a bigger profile.

If you are feeling threatened, walk fast and confidently. If you are lost in a foreign city, never stop and study a map under a street lamp – it marks you as a possible victim. It’s better to go into a restaurant or club in order to find your directions. Always appear in charge of your actions.

7. Treat people well

If you are aggressive or nasty to others, they may respond with aggression or even violence towards you. Your best defense against danger is to be a friendly and helpful person.

Safety is also heightened through knowledge. Make sure that you know which areas are dangerous and avoid them. Stick to larger streets with foot traffic, even if it takes longer to get to where you want to go.

If you follow these seven safety rules, you will have a good chance of keeping yourself safe. And they won’t make you into a nervous or suspicious person. Your heightened alertness will enable you to be more relaxed and less tense.

Finally, martial arts training – even for a short time – is a great way to learn not only how to defend yourself, but how to spot and avoid danger. It also gives you the self-confidence to know that you’re worth defending.

The unexpected outcome of good martial art training is that it turns you into a peaceful person. The ultimate key to safety is to radiate peacefulness whilst staying alert.

08 September, 2009

Government

I love Tim Hawkins and this video shows why. He is funny and right.

12 June, 2009

Brilliant Idea from Vox

Blogs vs billboards

The birth certificate controversy isn't the first time the old media has attempted to exert control over the public discourse and sweep inconvenient issues under the carpet. Nor will it be the first time they'll be unsuccessful in doing so. Who needs billboards when we've got blogs?

I'd encourage those of you who understand that the Certification of Live Birth produced by the Obama campaign is not the relevant birth certificate being requested and does not prove anything about where he was actually born to throw an electronic billboard up on your blog somewhere. I recognize it's entirely possible that Obama is, in fact, completely eligible for the Federal office he presently holds, but the indisputable fact of the matter is that we don't actually have any evidence that he is while we do know that the administration is going to unprecedented lengths to keep a very tight lid on a number of his records for reasons that remain unknown.

If you find it difficult to believe there is any difference between the document that has been provided and the one being requested, I suggest obtaining a Certification of Live Birth for yourself and attempting to use it the next time you are required to provide a birth certificate. The issue may ultimately prove irrelevant, but the difference is real. Those of us who have lived abroad for extensive periods are painfully aware of the significant differences between the various forms of birth-related documents.


"In order to process your application, DHHL utilizes information that is found only on the original Certificate of Live Birth, which is either black or green. This is a more complete record of your birth than the Certification of Live Birth (a computer-generated printout)."

27 December, 2008

05 November, 2008

Long Live the Confederacy

I am actually sort of glad Obama won. When the amazingly hard crash comes at least it will be under Dumbocrat control. Hopefully we have a real chance of secession this time. If we did it I am certain we could win this time and leave them with the $850 billion bailout plus the debt.

Here is Vox's take on it.

04 November, 2008

Baby Steps to Healthy Eating

I stole the baby steps idea from Dave Ramsey. Check out his financial info if you don't know who he is.

This is notes from talks that my wife and I have given on nutrition and ways to get started. Just do one thing until you are comfortable with it and then move to the next step. Don't try to change your whole life at once, it probably won't last long. Make small permanent changes, then when you are ready make another small permanent change.

Baby Steps to Healthy Eating

1. Cut the Crap!
  1. Donuts
  2. Cokes (both regular and artificially sweetened)
  3. Anything fried in vegetable oil (French fries, chips, etc)
  4. Non fish seafood –especially fried
  5. Sweets-including artificial sweeteners, some of them are worse than sugar.

2. Drink lots of Pure Water
  • God designed water for drinking.
  • Avoid all processed drinks (cokes, sports drinks, fruit juices, pasteurized milk.)
  • Limit tea-(green, herbal, and black), coffee, and alcohol
  • Raw milk is good
  • Beware of Contaminants (chlorine, fluoride, nitrates)

3. Eat Green Vegetables
  • Color is a fairly good indicator of nutrition-Darker is better
  • Green leafy vegetables are the best (spinach, kale, collard greens, etc)
  • Raw is probably better than cooked
  • Probably the only thing you can’t overdo
  • Fruits are good in moderation
  • Organic is best

4. Exercise
  • Exercising burns calories
  • It makes your body function better
  • Strengthens the immune system and brain

5. Eat Whole Foods
  • If your great-grandparents didn’t eat it, it isn’t food
  • Processing of foods removes nutrition, adds bad things to foods (sugar, MSG, preservatives, etc)
  • Raw foods are good in many cases
  • The less processing the better
  • Some experts say grains should be avoided by most people

6. Eat Clean Meats
  • God’s rules to the Jews were for their health benefits, not just spiritual rules
  • Modern research has proven the wisdom of avoiding certain foods.
  • God taught them to sacrifice internal and external fats, kidneys, and liver so the didn't eat them
  • Antibiotics, hormones, and grain-fed animals make it less healthy

7. Eat Good Fats
  • Many fats and oils are bad for you
  • Others that you have been told are bad are really good
  • Use history as a guide
  • Coconut and Palm for cooking
  • Extra Virgin Olive for cold use

8. Supplement Wisely
  • Watch for synthetic vitamins
  • Don’t use vitamins as a first line of defense
  • Fill in holes in your diet
  • Try superfoods
  • Good digestive bacteria
  • Avoid antibacterial anything
  • Find natural remedies

9. Educate Yourself
  • Medical doctors generally have almost NO nutritional training
  • Much doctor training is funded by pharmaceutical companies
  • Leviticus – by Jehovah Rophe
  • What the Bible says about Healthy Living - by Rex Russell, M.D.
  • The Maker’s Diet – by Jordan S. Rubin N.M.D., Ph.D.
  • Dr. Mercola's Total Health Cookbook and Program – by Dr. Joseph Mercola
  • The Great Physician's RX for Health and Wellness – by Jordan Rubin
  • Rejuvenate your Life – by Serene Allison
  • www.mercola.com
  • www.naturalnews.com
  • www.westonaprice.org
Of course don’t believe everything you read or hear, look at many sources and make an
educated judgment.

A simple scientific experiment: Look around and see who's healthy
Let me invite you to look at a simple experiment here. If what organized medicine says is true, then you should be able to observe that people on drugs are healthy, while all the people taking herbs and vitamins are diseased.
Go park your car in front of a pharmacy and watch the first 100 people you see buying drugs, then ask yourself, "Are these healthy people?" Look at the way they walk, their energy and their posture. Do they look healthy? Then go park your car in front of a health food store and watch people entering and exiting that store. Ask yourself again: Do they look healthy?
If you do this experiment, you'll quickly find that the unhealthy people are the ones visiting the pharmacy. The healthy people are the ones visiting health food stores, which sell natural health products and supplements. Through this simple observation experiment, we can see for ourselves that conventional medicine doesn't make people healthy. Or, at the very least, we can say that the consumption of prescription drugs is strongly correlated with states of disease, while the consumption of health food store products (natural groceries, organic produce and nutritional supplements) is strongly correlated with the absence of disease. And this observation holds true through many levels: physical health, emotional health, mental health and spiritual health.

How to know if it is GOD's voice you are hearing

GOD's voice
How do you know if it is GOD's voice you are hearing

1.It will go against wordly wisdom-many people will say you are crazy
2.It will require Faith
3.It will require courage
4.It will line up with the written WORD
5.You will have Peace in your spirit-
not necessarily Peace in your mind or emotions.

03 November, 2008

Life Progressions

This is a list from a series of messages by Creflo Dollar. It tells us where the root is to what is going on in our life. If we want to change things we have to go back to the root.

Life Progressions

from Creflo Dollar


  1. The words you hear(either GOD's word or satan's word) produce your

  2. Thinking which produces your

  3. Emotions and feeling- which affects your

  4. Decisions- where you choose your

  5. Actions- which produce

  6. Habits- which become

  7. Character- which ends up with your

  8. Destiny



So if you don't like your destiny, you must go back to step 1 and change the words and ideas you are hearing. You can't change step5 without changing step . It will short circuit.


27 October, 2008

The 10 Cannots

Check out this blog article about voting and the 10 cannots

Bayou Renaissance Man: Thoughts before the election #1





Thoughts before the election #1





A number of readers have
e-mailed me, asking why I'm not providing more thoughts on the election
and who I support for President.

The answer's simple. I don't
believe I have the right to try to persuade anyone to vote according to
my view of the world. I have my own convictions (centrist, with a
conservative angle in terms of morality and an emphasis on the
individual versus the collective), but I don't want to impose them on
anyone else.

I've therefore decided to share, over a few posts,
some of the thinkers whom I find valuable in evaluating the candidates
for office (whether the Presidency, Senate, Congress, or temporary
acting honorary assistant deputy dog-catcher). What I do is to take the
ideas of such thinkers and use them as a yardstick to evaluate the
candidates. How do they measure up? How well will they implement these
ideas or principles? If they don't and/or won't, I can't in good
conscience vote for them, irrespective of their political party or
philosophy, or their track record.

Today I'd like to introduce you to William J. H. Boetcker
(1873-1962). He was a Presbyterian minister, renowned for his
motivational public speaking, and had the knack of putting important
truths into concise, easily-grasped points.

Among his most
famous ideas are the 'Ten Cannots', dating from 1916. They're often
attributed - mistakenly - to Abraham Lincoln.

  • You cannot bring about prosperity by discouraging thrift.
  • You cannot help small men by tearing down big men.
  • You cannot strengthen the weak by weakening the strong.
  • You cannot lift the wage earner by pulling down the wage payer.
  • You cannot help the poor man by destroying the rich.
  • You cannot keep out of trouble by spending more than your income.
  • You cannot further the brotherhood of man by inciting class hatred.
  • You cannot establish security on borrowed money.
  • You cannot build character and courage by taking away man's initiative and independence.
  • You cannot help men permanently by doing for them what they could and should do for themselves.

I
think the 'Ten Cannots' say a great deal about our present society,
particularly its emphasis on 'big government' and 'handouts' and
'welfare' and suchlike. I don't believe in any of them. If a given
candidate (or political party) has a position that contradicts most of
the 'Ten Cannots', the odds are that I can't support them. If the
positions of all candidates (or parties) contradict the 'Ten Cannots',
I'll have to vote for the person or party who contradicts the fewest of
them, on the principle of choosing the lesser of the evils confronting
me.

Boetcker also coined the 'Seven National Crimes':

  • I don’t think.
  • I don’t know.
  • I don’t care.
  • I am too busy.
  • I leave well enough alone.
  • I have no time to read and find out.
  • I am not interested.

These
may or may not apply to our politicians, but they sure apply to us as
voters! We should be asking ourselves whether we're guilty of any of
these attitudes: and, if so, we should try to change that.

In
the days ahead I'll write about a few more thinkers who've influenced
me, and helped to shape my outlook. I hope you find them as interesting
as I do - and helpful, in this election season.

Peter

21 October, 2008

22 Reasons people don't receive healing

I have some notes that I have been carrying in my Bible for years. I typed them up for my use, but thought others might be interested in them, so I will post them here. I am not a note taker generally. These are lists of items that I thought were vital.

22 Reasons People don't receive their healing.

Originally taught by Creflo Dollar


  1. Insufficient Instruction

  2. Lack of united prayer

  3. Community Unbelief

  4. Traditions of men

  5. Breaking natural laws-eating, lack of exercise, etc

  6. Unbelief of elder/minister who prays

  7. Evil spirit must be cast our

  8. Unconfessed sin

  9. Lukewarmness in the church

  10. Unwillingness to surrender to GOD

  11. Unforgiving spirit

  12. Need to seek forgiveness

  13. Lack of diligence

  14. Seeking miracles instead of healing

  15. Watching Symptoms

  16. Failure to act on faith

  17. Lack of confidence

  18. Failure to receive the HOLY SPIRIT

  19. Lack of Faith

  20. Failure to receive promises

  21. Waiting for healing in order to believe in healing-I'll believe it after I see it.

16 October, 2008

Big government fingerprints on murder weapon

Big-government fingerprints on murder weapon



Big-government fingerprints on murder weapon
Posted: October 16, 2008
1:00 am Eastern

© 2008

Whose fingerprints are on the weapon that murdered the U.S. economy?

Multiple culprits deserve blame, but the Clinton administration stands out as a ringleader for diverting billions of dollars into junk sub-prime mortgages. Those loans have fouled the economy and siphoned away the capital needed by businesses and families today.

Government created a quota system that required lending to people who lacked the ability to repay.

Clinton's HUD (Department of Housing and Urban Development) decreed that big chunks of mortgages must be issued to borrowers with poor finances. It started at 12 percent of all Fannie Mae and Freddie Mac mortgages in 1996. By 2008, that proportion had more than doubled, to 28 percent.

Because Fannie and Freddie dominated the mortgage market, holding about $5 trillion in mortgages, they effectively dictated mortgage standards. The result: Their misguided practices rippled through lenders across the country. If banks made a sub-prime loan, they could re-sell it to Fannie and Freddie. And unless banks made those loans, there was a limit to other loans that would be bought.

(Column continues below)



As HUD wrote in a 2004 report, explaining its post-1996 quotas:

HUD's ... Regulation imposes no requirement for the total number of home purchase mortgages that a GSE [Government-Sponsored Enterprise] must buy. Rather, the rule provides that, however many home purchase loans in metropolitan areas the GSEs buy, a certain percentage must be in each goal category. For example, if a GSE buys 1 million home purchase mortgages in metropolitan areas in 2005, then 450,000 of these mortgages would need to be for low- and moderate-income families.

Under that scenario, for each million loans made in 2005 (when the "very low-income" goal was 22 percent), then 220,000 of those mortgages were required by federal regulation to be among the "special affordable" sub-prime group. Since Fannie and Freddie bought hundreds of billions in mortgages each year, this 22 percent quickly became a huge mandate to make poor-quality loans.

Lenders complied by creating the infamous zero-down loans and other loans that proved to be junk. This wasn't a failure to regulate. It was a failure by regulating too much!

Many motives were commendable, of course. The American dream of home ownership is common to all races, classes and income levels. But so, too, is the ability to get in over your head.

So how low was low-income to our government? "Very low-income," also called "special affordable loans," was defined as having less than 60 percent of an area's median income. Just being below the median alone put a household in the bottom half of income. Being in the bottom third of the bottom half was scraping along compared to most folks.

Local medians vary. Census numbers show a median range from $44,000 for a family of three in Arkansas to $81,000 for a family of three in Maryland. (These are 2008 dollars). Living on 60 percent of that would be $26,400 to $48,600, with all sorts of levels in-between, depending on locality.

Fannie and Freddie complied with HUD's requirements, increasing their sub-prime loans year after year. They didn't mind. Indeed, they and their congressional supporters bragged about it.

Protected by their political friends, especially in Congress, Fannie and Freddie not only met their quotas for backing home loans to people who couldn't afford houses, they surpassed them. In 2004, 24.2 percent of their mortgages went to very low-income families, beating the goal of 20 percent. The following year they bested the 22 percent goal, hitting 24.5 percent. In 2006 they smashed the 23 percent goal with 26.46 percent. A year later they slipped, but still exceeded the 25 percent goal with 25.65 percent.

Helping out was the controversial group ACORN, which joined other community organizations in channeling potential borrowers to banks that would make these special loans. Of course, ACORN and the other enablers received handsome fees for this effort.

But it wasn't a kindness to help poor people get into a house, only to be evicted because they couldn't pay. It was a setback to them.

So, what if Fannie and Freddie had balked, rather than happily complied? Ultimately, the law created penalties that could reach $25,000 each day if they were not aggressive enough in marketing mortgages to those who had limited ability to pay.

This quota system for mortgage loans began when Congress in 1992 created the requirement that Fannie and Freddie must back loans to very low-income persons. However, the legislation specified only that this goal must be "not less than 1 percent." Starting at 12 percent and scaling up to 28 percent, the Clinton administration went above and beyond this. And the Bush administration did not reverse that course.

The left is aggressively working to convince America that a "failure to regulate" made lenders go crazy and wreck our economy through greed. The truth is that our economy was legislated and regulated into this mess. Even if our economy isn't already regulated to death, it's still attempted murder.

15 October, 2008

No Nonsense Self Defense

No Nonsense Self Defense - Reliable information for dangerous situations

I came across this site recently.  There is a ton of good information on safety in lot's of situations and how to avoid violence.  I don't necessarily agree with everything they say, but there is a lot of good information.

08 October, 2008

Our loathsome members of Congress

Dr Williams tells it well. Now there is a black man I would vote for if he ran for anything.




A Minority View Walter Williams

Our loathsome members of Congress

Posted: October 08, 2008
1:00 am Eastern

© 2008

In my more cynical moments, I think that we Americans deserve what we get from our politicians, many of whom can be generally described as nothing less than loathsome. You say, "Williams, that's a pretty heavy putdown." My question to you is how else would you describe these congressmen who are now blaming the financial mess on the failure of the free market? Starting with the Community Reinvestment Act of 1977, that was given more teeth during the Clinton administration, Congress started intimidating banks and other financial institutions into making loans, so-called sub-prime loans, to high-risk homebuyers and businesses. The carrot offered was that these high-risk loans would be purchased by the government-sponsored enterprises Fannie Mae and Freddie Mac. Anyone with an ounce of brains would have known that this was a prescription for disaster, but there was a congressional chorus of denial.

Five years ago, Rep. Barney Frank, D-Mass., vouched for the "soundness" of Fannie Mae and Freddie Mac, and said, "I do not see any possibility of serious financial losses to the treasury." In 2004 congressional hearings, where the Bush administration sought greater oversight over Freddie Mac and Fannie Mae, Rep. Maxine Waters, D-Calif., said, "We do not have a crisis at Freddie Mac and particularly at Fannie Mae," adding that "the GSEs have exceeded their housing goals." Rep. Gregory Meeks, D-N.Y., said, "There's nothing wrong with Fannie Mae and Freddie Mac." In these hearings, Barney Frank said that he doesn't see "anything in the reports that raises safety and soundness problems." Earlier this year, Sen. Christopher Dodd, D-Conn., praised Fannie Mae and Freddie Mac for "riding to the rescue" to help people get home mortgage loans, adding that they "need to do more" to help high-risk borrowers get better loans.

The financial collapse of Fannie Mae and Freddie Mac is not a failure of the free market, because lending institutions in a free market would not have taken on the high-risk loans. They were forced to by the heavy hand of government. The solution is not a taxpayer-financed bailout. The solution is to let them fail and allow the people who invested in them, as well as the people who purchased homes they couldn't afford, suffer the losses. Of course, that takes a level of political courage that is in short supply. There are other measures that should be taken as part of a second-best solution.

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In 2002, when the Enron and WorldCom scandal broke, the Congress held hearings, and some chief executives were jailed. Who did what was the big story in the major news media almost every night. Congress rushed to enact the Sarbanes-Oxley Act, also known as the Public Company Accounting Reform and Investor Protection Act of 2002. The act placed unnecessary, onerous and costly accounting standards on American businesses. The Enron and WorldCom debacle is a drop in the bucket compared to the financial mess Congress has created through Fannie Mae and Freddie Mac, in the name of "affordable" housing. Have you heard Congress calling for hearings? They haven't called for hearings because many of them, both Democrats and Republicans, receiving hundreds of thousands of dollars, were in cahoots with Fannie Mae and Freddie Mac. If Americans are going to be on the hook to bail out these government-sponsored enterprises, at the minimum congressional hearings ought to be held to find out who did what and when.

Corporations employ accounting practices promulgated by the Financial Accounting Standards Board (FASB) that established Generally Accepted Accounting Principles (GAAP). Fannie Mae, Freddie Mac and government agencies have accounting practices that don't come close to, and never did, the honesty of private accounting practices. Accounting fraud and deception are the dominant features of government agencies. If a private business kept and cooked the books, like government agencies do, the top executives would go to jail. Shouldn't the accounting standards businesses have to meet be applied to Washington? My answer is yes, and if a congressman says no, I'd like for him to tell us why.