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Life Progressions
from Creflo Dollar
The words you hear(either GOD's word or satan's word) produce your
Thinking which produces your
Emotions and feeling- which affects your
Decisions- where you choose your
Actions- which produce
Habits- which become
Character- which ends up with your
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.
22 Reasons People don't receive their healing.
Originally taught by Creflo Dollar
Insufficient Instruction
Lack of united prayer
Community Unbelief
Traditions of men
Breaking natural laws-eating, lack of exercise, etc
Unbelief of elder/minister who prays
Evil spirit must be cast our
Unconfessed sin
Lukewarmness in the church
Unwillingness to surrender to GOD
Unforgiving spirit
Need to seek forgiveness
Lack of diligence
Seeking miracles instead of healing
Watching Symptoms
Failure to act on faith
Lack of confidence
Failure to receive the HOLY SPIRIT
Lack of Faith
Failure to receive promises
Waiting for healing in order to believe in healing-I'll believe it after I see it.
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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.
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.
(Column continues below)
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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.
I have never been so disgusted in the actions of my elected officials as I am now. Your recent vote to spend $700 Billion dollars of someone else's(my) money to socialize 10% of the American economy is unthinkable. It has been clear for a while that most Republicans are alomost as much big government socialists as the Democrats. I have already gotten to the point that I can't imagine voting for a Republican for President and now I must include Senators and Congressmen in that. I know the Libertarian party attracts some idiots, but it also attracts men of true principle.
The Federal Government created the mess by socializing parts of the monetary system, banking, securities, etc. Now you want to solve the problem by more of the same problem. This was not a market failure, it was a socialism failure and $700 Billion more socialism will only make it worse. You may have delayed the crash for a little while but it will come and it will probably be worse. This is the beginning of the end of the United States of America. I had spoken with JoAnn in the San Angelo office and she assured me you would not vote for the bailout, but after voting no on the first one you caved to special interests and left your constituents with the bill.
Rest assured that I will never vote for you for any office again and will actively work to get you voted out of office.
“The prohibition is general. No clause in the constitution
could by any rule of construction be conceived
to give to congress a power to disarm the people. Such
a flagitious attempt could only be made under some
general pretence by a state legislature. But if in any
blind pursuit of inordinate power, either should attempt
it, this amendment may be appealed to as a restraint
on both.” Rawle 121–122.20
The second amendment . . .
means no more than that it shall not be infringed by Congress.”
92 U. S., at 553. States, we said, were free to
restrict or protect the right under their police powers. The
limited discussion of the Second Amendment in Cruikshank
supports, if anything, the individual-rights interpretation.
Tucker elaborated on the Second Amendment:“This may be considered as the true palladium ofliberty . . . . The right to self-defence is the first law of nature: in most governments it has been the study of rulers to confine the right within the narrowest limits possible.
"The Department (CPS) did not present any evidence of danger to the
physical health or safety of any male children or any female children
who had not reached puberty," the panel wrote in its order.
First they came for the Jews
and I did not speak out
because I was not a Jew.
Then they came for the Communists
and I did not speak out
because I was not a Communist.
Then they came for the trade unionists
and I did not speak out
because I was not a trade unionist.
Then they came for me
and there was no one left
to speak out for me.
We may use one document for two purposes. For example, we may use your U.S. passport as proof of both citizenship and identity. However, you must provide at least two separate documents.
All documents must be either originals or copies certified by the issuing agency. We cannot accept photocopies or notarized copies of documents.
I took in the birth certificates and they told me they had to have another form of identification. Here is the list from the website
Your child: We can accept only certain documents as proof of your child’s identity. An acceptable document must be current (not expired) and show your child’s name, identifying information and preferably a recent photograph. We generally can accept a non-photo identity document if it has enough information to identify the child (such as the child’s name and age, date of birth or parents’ names). We prefer to see the child’s U.S. passport. If that document is not available, we may accept the child’s:
- Adoption decree;
- Doctor, clinic or hospital record;
- Religious record (e.g., baptismal record);
- Daycare center or school record; or
- School identification card.
The first thing they request is the childs passport. You can not get a passport without a SS# so that is impossible.
The children are not adopted so the first bullet point wouldn't work.
4 of the 6 had been to the doctor, so I could get medical records on them. But it would be a pain, so I decided to try other things.
Bullet 3 looked like a good choice, so I got together dedication certificates on 7, 8, and 9. Signed by third party ministers.
Since Homeschools are private schools in Texas I did school records for 4, 5, and 6(below compulsory attendance age, but schooling).
Guess what piece of information you have to have to enter a Govt school and get a school ID. If you guessed SS# go to the front of the line.
I go back in with these documents. They tell me none of the documents are acceptable because they don't have date of birth(have you ever seen a religious document with date of birth). I tell them I can add a date of birth to the school records, which is not required information on the list above. Then they tell me they have no probative value since they are done by the parents. After arguing for a while they agree to send them to the regional office for approval. They promise to call back when they get an answer(this was 4 pm on Friday).
On Wednesday I go in since I haven't heard from them. They tell me that none of the documents are acceptable. I ask what would be acceptable, they tell me medical records with date of birth. I ask what about the ones who have never seen a doctor, they tell me again that all they will accept is medical records with date of birth. I call HSLDA for help and they offer to send me third party verification letters.
I go to the local congressional office and tell Joanne Powell who runs the local office the story. She seems amazed that they won't take what I have. She calls the manager and talks to him for 30 minutes and then says there is nothing she can do, he is following the procedures. Of course this is all the democrats fault this they are the majority. The republicans would fix this if they were in the majority.
The following Monday I take the HSLDA letters in(in the meantime I have gotten medical records on 4, 5, and 6 from the pediatrician, but I don't tell them that). They first tell me it isn't acceptable. I ask them why and they said they would refer it to regional again, but it probably would not be acceptable. I ask them to get me explanation of why they are not acceptable and why the religious records are not acceptable. They promise to call when they get an answer from regional.To be continued so far two weeks and no SS numbers. But at least they didn't kidnap my kids because they aren't govt schooled and have wierd ideas like they have the FLDS kids from Eldorado. I think I might have to take 2 or 3 healthy kids and pay for a doctors visit so I have medical records on them to get a SS#.