Mr. Lif speakin truth on big government

Baggies! Halirious

SCHIP Bill- first step toward prividing health care to all Americans including those who don’t want it!

I’m actively looking for different countries to move to after I’m done collecting unemployment

WTF, Wednesday?

WTF, Wednesday?

You act like a little old regular two-syllable day like “oh, it’s just Wenzday,” and you think no one fucking notices. But you’re really three syllables. Wed- 1, nes- 2, and day – 3.Don’t even try to act like Monday or Friday, you piece of shit day. You’re not even close. “But Saturday is a three syllable day– but…but…but..” Shut your pie hole, ass day. Saturday deserves the three syllables because it kicks off the weekend and you’re just a regular weekday. DOn’t even try to compare yourself with Saturday.

And by the way, what the fuck is ‘wednes’ any way? Sunday = “sun” day, Monday = “moon” day, I get it. But Wednes-day? What am I supposed to get married or ‘wed’ed on Wednesday? You’re on crack you freakin nasty cus of a day. And don’t try pulling that ‘hump day’ bull shit on me. Yeah, you’re in the middle of the week and it’s all down hill after Wednesday. It’s more like you pull the entire week down hill with your pathetic little pleas for notariety. You whore.

Try to shape up Wedneday, or I’m gonna take you completely out of the week- and don’t think I can’t.

Everyone Agrees

My buddy wrote this book- it will rock your foundations!

Why do atheists and believers argue for hours without first defining “God?”

Why do people describe Nazis and Soviets in exactly the same way yet place them on opposite ends of the political spectrum?

Why do some judge others for being judgmental? Why are some psychologists trying to disprove psychology? And how does arguing show that we really agree?

In the fascinating and groundbreaking new work, Everyone Agrees, J.S.B. Morse uncovers clues to these riddles and reveals how disagreements are merely the result of a difference in perspective of a shared “mountain of truth.” Using entertaining examples from both scientific literature and pop culture, Morse breaks down the popular “us-against-them” and morally relative mentalities, proving that everyone really does agree, even when it comes to such hot-button issues as politics, religion, and the NFL’s best quarterback.

Everyone Agrees offers an introduction to the theory of concurrence, a unique take on human behavior which places logic (or simple common sense) at the heart of a universal morality. With the same accessible style and penetrating insight found in Morse’s first two books, The Evolution Diet and How To Take Advantage of the People Who Are Trying to Take Advantage of You, Everyone Agrees provides an entirely new perspective on perspective itself.

Get your copy of Everyone Agrees here.

THe source of the economic woes?

This seems hard to believe, but an article in the NYTimes in 1999 predicted this mortgage-led economic downturn:

In moving, even tentatively, into this new area of lending, Fannie Mae is taking on significantly more risk, which may not pose any difficulties during flush economic times. But the government-subsidized corporation may run into trouble in an economic downturn, prompting a government rescue similar to that of the savings and loan industry in the 1980’s.

Note that Fannie Mae was government subsidized and chartered (though it was supposedly independent corporation). This is important to pay attention to because normal non-subsidized mortgage companies wouldn’t have done this without Fannie Mae leading the way.

Who’s to blame for this debacle? GOVERNMENT.

And what do they do? they blame the free market and say that it needs more regulation. SICK!

Here’s the entire article:

Fannie Mae Eases Credit To Aid Mortgage Lending

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writePost();new_york_times:http://query.nytimes.com/gst/fullpage.html?res=9C0DE7DB153EF933A0575AC0A96F958260&sec=&spon=

By STEVEN A. HOLMES

Published: September 30, 1999

In a move that could help increase home ownership rates among minorities and low-income consumers, the Fannie Mae Corporation is easing the credit requirements on loans that it will purchase from banks and other lenders.

The action, which will begin as a pilot program involving 24 banks in 15 markets — including the New York metropolitan region — will encourage those banks to extend home mortgages to individuals whose credit is generally not good enough to qualify for conventional loans. Fannie Mae officials say they hope to make it a nationwide program by next spring.

Fannie Mae, the nation’s biggest underwriter of home mortgages, has been under increasing pressure from the Clinton Administration to expand mortgage loans among low and moderate income people and felt pressure from stock holders to maintain its phenomenal growth in profits.

In addition, banks, thrift institutions and mortgage companies have been pressing Fannie Mae to help them make more loans to so-called subprime borrowers. These borrowers whose incomes, credit ratings and savings are not good enough to qualify for conventional loans, can only get loans from finance companies that charge much higher interest rates — anywhere from three to four percentage points higher than conventional loans.

”Fannie Mae has expanded home ownership for millions of families in the 1990’s by reducing down payment requirements,” said Franklin D. Raines, Fannie Mae’s chairman and chief executive officer. ”Yet there remain too many borrowers whose credit is just a notch below what our underwriting has required who have been relegated to paying significantly higher mortgage rates in the so-called subprime market.”

Demographic information on these borrowers is sketchy. But at least one study indicates that 18 percent of the loans in the subprime market went to black borrowers, compared to 5 per cent of loans in the conventional loan market.

In moving, even tentatively, into this new area of lending, Fannie Mae is taking on significantly more risk, which may not pose any difficulties during flush economic times. But the government-subsidized corporation may run into trouble in an economic downturn, prompting a government rescue similar to that of the savings and loan industry in the 1980’s.

”From the perspective of many people, including me, this is another thrift industry growing up around us,” said Peter Wallison a resident fellow at the American Enterprise Institute. ”If they fail, the government will have to step up and bail them out the way it stepped up and bailed out the thrift industry.”

Under Fannie Mae’s pilot program, consumers who qualify can secure a mortgage with an interest rate one percentage point above that of a conventional, 30-year fixed rate mortgage of less than $240,000 — a rate that currently averages about 7.76 per cent. If the borrower makes his or her monthly payments on time for two years, the one percentage point premium is dropped.

Fannie Mae, the nation’s biggest underwriter of home mortgages, does not lend money directly to consumers. Instead, it purchases loans that banks make on what is called the secondary market. By expanding the type of loans that it will buy, Fannie Mae is hoping to spur banks to make more loans to people with less-than-stellar credit ratings.

Fannie Mae officials stress that the new mortgages will be extended to all potential borrowers who can qualify for a mortgage. But they add that the move is intended in part to increase the number of minority and low income home owners who tend to have worse credit ratings than non-Hispanic whites.

Home ownership has, in fact, exploded among minorities during the economic boom of the 1990’s. The number of mortgages extended to Hispanic applicants jumped by 87.2 per cent from 1993 to 1998, according to Harvard University’s Joint Center for Housing Studies. During that same period the number of African Americans who got mortgages to buy a home increased by 71.9 per cent and the number of Asian Americans by 46.3 per cent.

Sarah Palin at the convention 2008

Sarah Palin could be the best thing to happen to John McCain this election cycle:

She’s well-spoken, relatable, and she’s attractive! The only problem McCain may have with his VP pick is that she might outshine him.

I may vote for Palin in November (not McCain)…

Funny Kiwi musicians: Flight of the Conchords

Crackin me up:

Ron Paul making announcement

Thursday, June 12th, 2008

We invite you to watch the live video broadcast of Dr. Paul’s rally tonight, June 12th, @ 9PM CDT in Houston, TX. Dr. Paul will be making a major announcement, and we would like you to be a part of it.

To view:
http://www.justin.tv/ronpaul2008

In the past we have had technical troubles with our live video broadcasts, but we will do everything we can to make sure you have the opportunity to view it live. The rally will also be professionally recorded and uploaded to the Internet for all to see in the next day or two.

Thank you for your continued support.

For liberty,
The Ron Paul 2008 Team

More Baby Boomer BS

This chick needs to read my book bad.

As I’m watching this, I feel like my life is being sucked out of my eyes and regurgitated through this lady’s nostrils. I feel like my 2-month old nephew is smarter than this droning blabber-mouth. She’s claiming the civil rights movement? “We did that” Ever heard of Dr. Martin Luther King Jr.? Malcom X? Rosa Parks? Bobby Kennedy? None are Boomers. She’s claiming the feminist movement. Well, if you’re talking about the birth control movement, maybe, but universal suffrage didn’t happen under the Boomers’ reign- try a hundred years ago with Susan B. Anthony, ya jackass. I’ll give her the gay rights movement- but what the hell is a gay right anyway- I’ve always wondered that.

The right to privacy? This chick smoked one too many at Woodstock. The protection from unlawful search and seizure is in the Constitution! Boomers did not write the Constitution. It’s interesting though- she mentions that the right to privacy is “going away a little bit right now” but she fails to mention that that’s largely at the hands of a Baby Boomer President- knucklehead.