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Shop Around For The Best Mortgage Rates

Shop Around For The Best Mortgage Rates

When it comes to the best mortgage rates, all loans are not created equal. Buying a home can leave many people very confused about the process. There is a lot going on during this time and you are signing a wealth of papers. Learning about the rates you will be expected to pay can save you money on the purchase of your new home.

You do not want to wait until you are ready to buy a home to begin exploring mortgage rates. This is something you should be familiar with ahead of time. The rates can change depending on where you live and your credit history. You should start looking at these rates and this can help you to have a better prediction of when they will be lowest.

Working with a mortgage broker is a great way to get the very best rates. Your broker will help to find you the best deal for your money and this can be a great person to have on your team during the buying process.

When you begin to understand what the rates are at the time of your home purchase, you will be able to begin to figure out what you are going to paying when you actually purchase your home. This can be a great tool for a homeowner to use to ensure you will be able to afford your home now and also in the future.

You can also set a budget of home price and you will only look at homes in this price range. This can keep you focused and on track. If you are working with a realtor you should make this person aware of your budget and that you are not willing to negotiate this set budget. You never want to get stuck with a mortgage rate that is hard for you to pay each month and this can ruin the newness of your home very quickly.

If you are thinking of refinancing an existing mortgage you will want to make sure that you know what the rates are and this is something that you can keep in mind. You might not get the lowest rates available, but if you can lower your rates it can help considerably.

The best mortgage rates can help you to find a mortgage that you can afford. You should never struggle to pay your mortgage each month and being prepared from the beginning can get you the best rates around. Refinancing is another area of concern for rates and refinancing can help you to get back on the right track.

Cool Home mortgage Fees photos

Cool Home mortgage Fees photos

A few wonderful mortgage prices images I located:

Image from web page 434 of “Swartz & Tedrowe’s Indianapolis city directory site, 1873” (1873)
mortgage rates
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Swartz & Tedrowe’s Indianapolis city directory, 1873 Year:< a href="" > 1873(< a href="" > 1870s) Writers:. Topics:< a href="" > Indianapolis, Ind.< a href="" > Business business< a href="" > Residential roads< a href="" > Authorities homes< a href="" > Individuals< a href="" > Government centers< a href="" > Churches< a href="" > Schools< a href="" > Streets< a href="" > Cities Publisher:< a href="" > Guard Contributing Collection:< a href="" > Indianapolis City Directory Collection Digitizing Enroller:< a href="" > LYRASIS Members as well as Sloan Structure View Publication Page:< a href="" rel=" nofollow" >

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not fail to satisfy customersand close friends who prefer us with their patronage. Your orders are professionally gotten, understanding that you willnot only be pleased with our work, however will additionally discover, by com * parison, that our rates are as low otherwise below those ofother establishments for work and also materials of exact same quality. GUARD BUSINESS. I. P. TEDEOWE, Dayton, Ohio. Dayton, Ohio * SWARTZ & TEDROWE, Directory site Publishers, iDJLirrroisr, ohio, AND ALSO And also 16 1-2 and also 18 W. Washington St.INDIANAPOLIS, IND. Directories of States as well as Cities on File. Publishers of the adhering to City Directories: INDIANA. Indianapolis City Directory site,– 1872. Richmond– 1872-73. Indianpaolis … 1873. OHIO. Dayton City Directory site, – – – 1873-74. Springfield City Directory,— 1873-74. Short Line Railway Gazetteer,– 1873-74. Bill Goings. Statements. Letter Heads. Envelopes. Note Heads. Delivering Tags Cards. Bank Checks. Blank Notes. Journals. Day Publications. Text Appearing After Photo: Ledgers.Cash Books.Note Books.Bill Books.Receipts.Pamphlets.Shipping Books.Programmes.Labels.Mortgages.Deeds, and so on. T SPACE PUBLICATION MANUFACTURERS, ETC. Wo- 33 East Market Street, INDIANAPOLIS, IND. We have lately included a full Publication Bindery to ourJob Printing Facility, hence enabling us to do a greatervariety of work, as well as in a much more sufficient fashion. Publications, Music, Documents, AND SO ON, bound in any wanted design. We get ashare of patronage, and also assurance contentment. All Designs of Ruling done to Order. We maintain a complete line of Paper, Tags, Envelopes as well as Card Boardalways accessible, which we are prepared to develop at the mostreasonable prices. SWARTZ & TEDROWESANNUAL INDIANAPOLIS DIRECTORY SITE, 1873. CITY GUIDE STREETS As Well As AVENUES. Adelia, from College Ave eastern to Rohamp-ton, fourth north of Seventh. Agne.s, from New york city north to North, second west of Blake. Alabama, north and south, crossing Wash-ington 3rd eastern of Meridian. Allen, from Delaware east to Oliver, thirdnorth of Sevent Note Concerning Photos Please note that these

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The Eastbourne Pacific Opportunity, opposite Park PlaceATLANTIC CITY, N. J.A household home of established reputationOcean view, heavy steam heat, sunlight parlor, ele-vator to street level. Spaces single or easuite, with personal bathroom. Open all theyear. Booklet. GARWOOD & JOHNSON. HOTEL WARWICK SOUTH CAROLINA AVENUEATLANTIC CITY, N. J.OPEN ALL THE YEARFirst home from beach as well as boardwalk.Steam heat, electrical lights, elevator.Excellent cuisine; quiet, sensible sur-roundings and also mindful service. Practical rates. WriteSARAH H. FULLOM, Prop. THE PENNHURST MICHIGAN AVENUE AND BEACHATLANTIC CITY, N. J.Ownership Administration. Flrst-Claa * Service. Garage. WM. R. HOOD. Directly on Beach Opposite Heinz Pier, Atlantic City, N. 3. Ocean rooms. Table visitors. Always open, MRS. A. W. WHEELER RESORT SWARTHMOREOCEAN CITY, N. J. Overlooking ocean. Tennis court. Ex-cellent cuisine. Modest rates. Undermanagement of Buddies. W. P. and F. R Lippincott. Text Showing up After Image: ALL SIZES 2 TO 80 COLUMNS IN BOUND BOOKS, 150 TO 300 PAGESALSO LOOSENED FALLEN LEAVE FROM2 TO 26 COLUMNS Yeo & Lukens Co. 23 N 13th st East-side Street ^ STATIONERS BLANK PUBLICATIONS printers: LOAN FOR MORTGAGES BELL TELEPHONELOMBARD 2873 S. W. BLACKS CHILD PROPERTY AGENT As Well As BROKER 622 WALNUT STREETPHILADELPH IA 8STABLISHED GREATER THAN 60 TEARS ARBAT YOUR SERVICE. Market to the countless buyersmore wno reviewed the Intelli-gence each week. Show advertisingrate only 84 cents an inch. ^ END for brochures of andirons, firesets, spark screens, mantelsand of the Jackson VentilatingGrate– the open fireplace that heatson two floors. EDWIN A. JACKSON & BRO., Inc. 51 Beekman St., New york city TalanKnna your classified ad to the In1 eiepiione telligencer when yoneed assistance or individuals. you a position with FriendlySpruce 6-75. Eighth month 9, 1919] FEIENDS INTELLIGENC 513 FUN. Intensity Upbraided.– A vinegar-facedwoman that boarded a street car re-monstrated vainly with the big Irish-man who was distributing his tobacc Note About Images Please note that these images are drawn out from scanned web page pictures that might have been electronically boosted for readability- pigmentation and look of these pictures could not perfectly appear likethe initial work.

Mortgage Rates are increasing will Property Values Drop? – Dec 9

Mortgage Rates are increasing will Property Values Drop? – Dec 9

< iframe width=" 425" elevation=" 355 "src="" frameborder=" 0" allowfullscreen > Ron Siegel goes over regional as well as nationwide present occasions, politics, personal and also business finance with a couple of mortgage tips in the process. A Southern The golden state home loan expert as well as bonafide political junkie, Ron Siegel provides intelligent, enjoyable radio that makes the difficult news of the week easy to understand!

Ron Siegel will go over: Will Raising Home mortgage Rates Impact House Rates?; Americans Are on The Move; 4 Great Credit score Cards if You’re Starting an Organisation; Just what a Trump Administration Way for Your Retired life; Real Time Realty; Your Credit rating Issues; Home mortgage Min: Word on Wealth; as well as so a lot more.

Ron Siegel, consumer supporter, as well as home mortgage lending institution talks about anything that affects the roof over your head, your financial institution account or other products that will profit you/ your family.

Reach Ron Siegel at.
– 800.306.1990.
– Twitter: @RonSiegel.

< iframe width="425" height="355" src="" frameborder="0" allowfullscreen >

2014 – Vancouver – Street Sleeper – 2 of 2

2014 – Vancouver – Street Sleeper – 2 of 2

Check out these mortgage rates images:

2014 – Vancouver – Street Sleeper – 2 of 2
mortgage rates
Image by Ted’s photos – For Me & You
Sleeping on a sidewalk in the Downtown East Side (DTES) of Vancouver BC takes on a different sense of survival than is observed in many west side sleepers. A combination of mental issues, drug sale and use, area resident poverty and the resulting community of "Customers With No Cash" combine for a perfect locale to take advantage of people on the edge where living is not comparable to what most of us bring to mind in our own comfortable world. Prostitution and drugs are a large part of this community. One can not help feel sorry and remorseful this exists in self important Vancouver.
The irony of this photo is it was shot about 10 feet from the entrance of BC Housing’s recently opened Orange Hall office (open 10 am to 4 pm Monday to Friday) 297 Hastings Street at Gore Ave. This situation has steadily gone downhill since the Federal Governemt cut back funding for social housing.

From BC Housing website:
October 3rd, 2014
VICTORIA – The B.C. government is strengthening the non-profit housing sector by transferring provincially-owned properties to non-profit housing providers.

The Province owns approximately 350 parcels of land throughout British Columbia that are currently leased long-term to non-profit housing providers who own and operate social housing buildings on these properties.

The non-profit housing sector has been asking for this step for many years. Having ownership of the land will improve a non-profit’s ability to support better long-term planning and selfsufficiency. Owning the lands they operate on will also help non-profits secure the financing they need to be sustainable.

In order to transfer title, the Province will end these leases, and then transfer ownership of the land to the societies. The properties will be transferred at fair market value. The Province will assist the societies to secure mortgages on the properties. The current operating agreement that BC Housing has with each non-profit society will remain in place. Approximately 115 properties will be transferred by March 31, 2015, and the rest will be transferred over the next three years.

In addition, the Province is looking to transfer ownership of two properties currently managed by BC Housing to non-profit societies. The Province will begin the process by posting Expressions of Interest for Nicholson Tower and Stamps Place in Vancouver shortly.

Tenants will not be impacted by these transfers, and the amount of affordable housing stock will remain stable. Non-profit societies have been providing social housing in B.C. for more than 60 years. Today more than 90% of social housing is managed by non-profit societies.

VANCOUVER — The Globe and Mail
Published Monday, Oct. 13 2014

Vancouver won’t solve street homelessness until both the city and province focus on targeting the limited supply of expensive social housing to those who need it most, say experts.

That means help can’t go to anyone who passes through a shelter or an outdoor camp or even to someone who sleeps outside temporarily. In the vast majority of cases, people who become homeless experience it briefly and are able to avoid losing housing again.

But people working on eliminating homelessness do not always understand that the thousands of people who experience homelessness in a year don’t all need expensive subsidized housing. That should be reserved for the chronically homeless, who are not sufficiently helped by temporary assistance with rent or other social supports.

“For nearly 90 per cent of people counted as homeless, they’ll get themselves out of homelessness on their own,” says Tim Richter, who led Calgary’s 10-year plan to end homelessness and is now the president of the Canadian Alliance to End Homelessness. “It’s critical to set priorities. It shouldn’t be first-come, first-served.”

One of the region’s most experienced homelessness researchers, former Vancouver city-hall staffer Judy Graves, said the city is reaping the results of city and provincial staff not always setting the right priorities for the past six years. This past winter, Vancouver still had a count of 533 people sleeping outside (less than in 2008, but more than in 2011), even though the province and city have opened up thousands of new social-housing units rented at welfare-level rates.

It’s an issue that is returning to haunt Vision Vancouver Mayor Gregor Robertson, who promised in 2008 to end street homelessness by 2015, during this fall’s civic-election campaign.

His administration, which has pushed the issue non-stop since he was first elected, has recently exceeded previous efforts by jumping last month into paying for all the costs of converting a downtown Quality Inn to transitional housing, as well as all the costs of a new shelter nearby. Usually the province covers the majority of costs for both of those kinds of housing.

But Ms. Graves said even that unusual effort, accompanied by several hundred other new provincial units about to open, isn’t going to solve the problem by January, 2015.

That’s because the province is only committed to using half of the incoming housing units for the chronically homeless. And city staff also don’t always correctly identify who is the most in need.

“Both the city and province have bought into housing by wait lists,” said Ms. Graves. “It just can’t work. You have to work as though you’re in a disaster zone.”

She said she had doubts that the majority of people who camped in Oppenheimer Park over the summer were homeless, but they got priority for the scarce number of rooms available.

As well, in the early stages of the province’s big social-housing construction push, which will see 14 towers completed with around 1,400 units by the end, non-profit operators were simply moving people from residential hotel rooms into the new buildings.

That meant the housing didn’t go to the chronically homeless and the most in need, but worse, it then allowed landlords in the residential hotels to do renovations, raise rents, or refuse new low-income tenants once the former tenants were relocated to social housing.

That then reduced the overall number of private, low-cost housing units in the city. Ms. Graves said the whole region is experiencing an acute shortage of those kinds of private units now. It has become a game of musical chairs for housing-outreach workers to get a low-cost unit for someone trying to get out of shelters or off the street, she said.

All cities are grappling with constant pressures that create more homelessness at the front end: low working-class incomes that can’t keep up with gentrification and rising rents key among them, said Ms. Graves. That has left cities trying to solve the problem at the back end, trying to house all the people made homeless as a result of many larger forces.

16 Oct 2014 24 Hours VancouverJANE DEACON Comment at vancouver.24hrs.c
Laura Dilley, PACE Society Action Week, PACE plans to draft housing recommendations for city council before the coming election.
“Oftentimes we will create housing models not including the voices of those we would be housing,” said Dilley.
Rising rent prices that force people out of SROs is a significant factor, as well as landlords who refuse to rent to sex workers out of legal concerns, said Dilley. Low- income housing conditions that require tenants stay in at night or guests to sign in are also significant barriers. She estimates between 10 to 15% of sex workers fall under the category of “survival” or street- based prostitution. For that vulnerable population, simply switching professions is often not an option, said Dilley.
“They’re really forced and entrenched to continuously do that work because they have no options out of it, because we have such stigma in our society that they can’t seek help, they can’t find affordable housing, so they’re really stuck in that situation,” she said.

mortgage rates
Image by eyewashdesign: A. Golden
New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008

Phototgrapher: a. golden, eyewash design – c. 2008.

I swear, Jeremy probably thinks I’m stalking him. As a matter of fact, it feels like every time I’m photographing, or attending a lecture, there pops up Jeremy Scahill. Admittedly, I do have a bit of a crush. OK, a BIG CRUSH. What’s NOT to love? Intelligent, good-looking, well-spoken, hard-working, a HUSTLER, an injustice investigator, a Puffin Foundation Writing Fellow at The Nation Institute, an accomplished writer. Perhaps I am stalking him, because every New York female knows a good man HERE is HARD to find. We simply take the hard portion of the latter when we can and consider ourselves fortunate. Hahaha! If anyone happens to be zero degrees of separation from Mr. Scahill, please let him know he has an blushing admirer!

For more information on Scahill:


The richest 400 Americans — that’s right, just four-hundred people — own MORE than the bottom 150 million Americans COMBINED! 400 of the wealthiest Americans have got more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their wealth has increased by nearly 0 billion — the same amount that they were demanding We give to them for the "bailout." Why don’t they just spend the money they made under Bush to bail themselves out? They’d still have nearly a trillion dollars left over to spread amongst themselves!

Of course, they are not going to do that — at least not voluntarily. George W. Bush was handed a 7 billion surplus when Bill Clinton left office. Because that money was OUR money and not HIS, he did what the rich prefer to do — spend it and never look back. Now we have a .5 trillion debt that will take seven generations from which to recover. Why — on –earth – did — our — "representatives" — give — these — robber — barons — $US850 BILLION — of – OUR — money?

Last week, proposed my own bailout plan. My suggestions, listed below, were predicated on the singular and simple belief that the rich must pull themselves up by their own platinum bootstraps. Sorry, fellows, but you drilled it into our heads one too many times: THERE…IS…NO…FREE… LUNCH ~ PERIOD! And thank you for encouraging us to hate people on welfare! So, there should have been NO HANDOUTS FROM US TO YOU! Last Friday, after voting AGAINST this BAILOUT, in an unprecedented turn of events, the House FLIP-FLOPPED their "No" Vote & said "Yes", in a rush version of a "bailout" bill vote. IN SPITE OF THE PEOPLE’S OVERWHELMING DISAPPROVAL OF THIS BAILOUT BILL… IN SPITE OF MILLIONS OF CALLS FROM THE PEOPLE CRASHING WASHINGTON "representatives’" PHONE LINES…IN SPITE OF CRASHING OUR POLITICIAN’S WEBSITES…IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY… THEY VOTED FOR THIS BAILOUT! The People first succeeded on Monday with the House, but failed do it with the Senate and then THE HOUSE TURNED ON US TOO!

It is clear, though, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/’ve do/one. So, after consulting with a number of people smarter than Phil Gramm, here’s the proposal, now known as "Mike’s Rescue Plan." (From Michael Moore’s Bailout Plan) It has 10 simple, straightforward points. They are that you DIDN’T, BUT SHOULD’VE:

1. APPOINTED A SPECIAL PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any new money was expended, Congress should have committed, by resolution, to CRIMINALLY PROSECUTE ANYONE who had ANYTHING to do with the attempted SACKING OF OUR ECONOMY. This means that anyone who committed insider trading, securities fraud or any action that helped bring about this collapse should have and MUST GO TO JAIL! This Congress SHOULD HAVE called for a Special Prosecutor who would vigorously go after everyone who created the mess, and anyone else who attempts to scam the public in future. (I like Elliot Spitzer ~ so, he played a little hanky-panky…Wall Street hates him & this is a GOOD thing.)

2. THE RICH SHOULD HAVE PAID FOR THEIR OWN BAILOUT! They may have to live in 5 houses instead of 7. They may have to drive 9 cars instead of 13. The chef for their mini-terriers may have to be reassigned. But there is no way in hell, after forcing family incomes to go down more than ,000 dollars during the Bush years, that working people and the middle class should have to fork over one dime to underwrite the next yacht purchase.

If they truly needed the 0 billion they say they needed, well, here is an easy way they could have raised it:

a) Every couple makeing over a million dollars a year and every single taxpayer who makes over 0,000 a year should pay a 10% surcharge tax for five years. (It’s the Senator Sanders plan. He’s like Colonel Sanders, only he’s out to fry the right chickens.) That means the rich would have still been paying less income tax than when Carter was president. That would have raise a total of 0 billion.

b) Like nearly every other democracy, they should have charged a 0.25% tax on every stock transaction. This would have raised more than 0 billion in a year.

c) Because every stockholder is a patriotic American, stockholders should have forgone receiving a dividend check for ONE quarter and instead this money would have gone the treasury to help pay for the bullsh*t bailout.

d) 25% of major U.S. corporations currently pay NO federal income tax. Federal corporate tax revenues currently amount to 1.7% of the GDP compared to 5% in the 1950s. If we raised the corporate income tax BACK to the levels of the 1950s, this would give us an extra 0 billion.

All of this combined should have been enough to end the calamity. The rich would have gotten to keep their mansions and their servants and our United States government ("COUNTRY FIRST!") would’ve have a little leftover to repair some roads, bridges and schools…

3. YOU SHOULD HAVE BAIL OUT THE PEOPLE LOSING THEIR HOMES, NOT THE PEOPLE WHO WILL BUILD AN EIGHTH HOME! There are 1.3 million homes in foreclosure right now. That is what is at the heart of this problem. So, instead of giving the money to the banks as a gift, they should have paid down each of these mortgages by 0,000. They should have forced the banks to renegotiate the mortgage so the homeowner could pay on its current value. To insure that this help wouldn’t go to speculators and those who tried to making money by flipping houses, the bailout should have only been for people’s primary residences. And, in return for the 0K pay-down on the existing mortgage, the government would have gotten to share in the holding of the mortgage so it could get some of its money back. Thus, the total initial cost of fixing the mortgage crisis at its roots (instead of with the greedy lenders) is 0 billion, not 0 BILLION.

And let’s set the record straight. People who have defaulted on their mortgages are not "bad risks." They are our fellow Americans, and all they wanted was what we all want: a home to call their own. But, during the Bush years, millions of the People lost the decent paying jobs they had. SIX MILLION fell into poverty! SEVEN MILLION lost their health insurance! And, every one of them saw their real wages go DOWN by ,000! Those who DARE look down on these Americans who got hit with one bad break after another should be ASHAMED.! We are a better, stronger, safer and happier society when all of our citizens can afford to live in a home they own.

4. THERE SHOULD HAVE BEEN A STIPULATION THAT IF YOUR BANK OR COMPANY GOT ANY OF OUR MONEY IN A "BAILOUT," THEN WE OWN YOU. Sorry, that’s how it’s done. If the bank gives me money so I can buy a house, the bank "owns" that house until I pay it all back — with interest. Same deal for Wall Street. Whatever money you need to stay afloat, if our government considers you a safe risk — and necessary for the good of the country — then you can get a loan, but WE SHOULD OWN YOU. If you default, we will sell you. This is how the Swedish government did it and it worked.

5. ALL REGULATIONS SHOULD HAVE BEEN BE RESTORED. THE REAGAN REVOLUTION IS DEAD! This catastrophe happened because we let the fox have the keys to the hen-house. In 1999, Phil Gramm authored a bill to remove all the regulations that governed Wall Street and our banking system. The bill passed and Clinton signed it. Here’s what Sen.Phil Gramm, McCain’s chief economic advisor, said at the bill signing:

"In the 1930s … it was believed that government was the answer. It was believed that stability and growth came from government overriding the functioning of free markets.

"We are here today to repeal [that] because we have learned that government is not the answer. We have learned that freedom and competition are the answers. We have learned that we promote economic growth and we promote stability by having competition and freedom.

"I am proud to be here because this is an important bill; it is a deregulatory bill. I believe that that is the wave of the future, and I am awfully proud to have been a part of making it a reality."

FOR THIS NOT TO REOCCUR, This BILL SHOULD HAVE BEEN REPEALED! Bill Clinton could have helped by leading the effort for the repeal of the Gramm bill and the reinstating of even tougher regulations regarding our financial institutions. And when they were done with that, they should have restored the regulations for the airlines, the inspection of our food, the oil industry, OSHA, and every other entity that affects our daily lives. All oversight provisions for any "bailout" should have had enforcement monies attached to them and criminal penalties for all offenders.

6. IF IT’S TOO BIG TO FAIL, THEN THAT MEANS IT’S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the monopoly and anti-trust laws has allowed a number of financial institutions and corporations to become so large, the very thought of their collapse means an even bigger collapse across the entire economy. No ONE or TWO companies should EVER have this kind of power! The so-called "economic Pearl Harbor" can’t happen when you have hundreds — thousands — of institutions where people have their money. When we have a dozen auto companies, if one goes belly-up, we DON’T FACE A NATIONAL DISASTER! If we have three separately-owned daily newspapers in your town, then one media company can’t call all the shots (I know… What am I thinking?! Who reads a paper anymore? Sure glad all those mergers and buyouts left us with a STRONG and "FREE" press!). Laws Should have been enacted to prevent companies from being so large and dominant that with one slingshot to the eye, the GIANT FALLS and DIES. And no institution should be allowed to set up money schemes that NO ONE understands. If you can’t explain it in two sentences, you shouldn’t be taking anyone’s money!

7. NO EXECUTIVE SHOULD EVER BE PAID MORE THAN 40 TIMES THEIR AVERAGE EMPLOYEE, AND NO EXECUTIVE SHOULD RECEIVE ANY KIND OF "PARACHUTE" OTHER THAN THE VERY GENEROUS SALARY HE OR SHE MADE WHILE WORKING FOR THE COMPANY. In 1980, the average American CEO made 45 times what their employees made. By 2003, they were making 254 times what their workers made. After 8 years of Bush, they now make over 400 times what their average employee makes. How We have allowed this to happen at publicly held companies is beyond reason. In Britain, the average CEO makes 28 times what their average employee makes. In Japan, it’s only 17 times! The last I heard, the CEO of Toyota was living the high life in Tokyo. How does he do it on so little money? Seriously, this is an OUTRAGE! We have created the mess we’re in by letting the people at the top become bloated beyond belief with millions of dollars. THIS HAS TO STOP! Not only should no executive who receives help out of this mess profit from it, but any executive who was in charge of running his company into the ground should be FIRED before the company receives ANY help.

8. CONGRESS SHOULD HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT ONLY PEOPLE’S SAVINGS, BUT ALSO THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose expanding FDIC protection of people’s savings in their banks to 0,000. But, this same sort of government insurance must be given to our NEVER have to worry about whether or not the money they’ve put away for their old age will be there. This should have meant strict government oversight of companies who manage their employees’ funds — or perhaps it means the companies should have been forced to turn over those funds and their management to the government? People’s private retirement funds must also be protected, but perhaps it’s time to consider not having one’s retirement invested in the casino known as the stock market??? Our government should have a solemn duty to guarantee that no one who grows old in this country has to worry about becoming destitute.

9. EVERYBODY NEEDS TO TAKE A DEEP BREATH, CALM DOWN, AND NOT LET FEAR RULE THE DAY. Turn off your TVs! We are NOT in the Second Great Depression. The sky is NOT falling, Chicken Little! Pundits and politicians have lied to us so FAST and FURIOUS it’s hard not to be affected by all the fear mongering. Even I wrote to and repeated what I heard on the news last week, that the Dow had the biggest one day drop in its history. Well, that was true in terms of points, but its 7% drop came nowhere close to Black Monday in 1987 when the stock market in one day lost 23% of its value. In the ’80s, 3,000 banks closed, but America didn’t go out of business. These institutions have always had their ups and downs and eventually it works out. It has to, because the rich do not like their wealth being disrupted! They have a vested interest in calming things down and getting back into their Jacuzzis before they slip into their million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.

As crazy as things are right now, tens of thousands of people got a car loan last week. Thousands went to the bank and got a mortgage to buy a home. Students just back to college found banks more than happy to put them into hock for the next 15 years with a student loan. I was even pre-approved for a USK personal loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1% unemployment rate, but that happened last month). Not a single person lost any of his/her monies in bank, or a treasury note, or in a CD. And, the perhaps the most amazing thing is that the American public FINALLY didn’t buy the scare campaign. The citizens didn’t blink, instead telling Congress to take that bailout and shove it. THAT was impressive. Why didn’t the population succumb to the fright-filled warnings from their president and his cronies? Well, you can only say ‘Saddam has the bomb’ so many times before the people realize you’re a lying sack of shit. After eight long years, the nation is worn out and simply can’t take it any longer. The WORLD is fed up & I don’t blame them.

10. THEY SHOULD HAVE CREATED A NATIONAL BANK, A "PEOPLE’S BANK." Since they’re really itching to print up a trillion dollars, instead of giving it to a few rich people, why don’t We give it to ourselves? Now that We own Freddie and Fannie, why not set up a People’s bank? One that can provide low-interest loans for all sorts of people who want to own a home, start a small business, go to school, come up with the cure for cancer or create the next great invention. And, now that we own AIG – the country’s largest insurance company – let’s take the next step and PROVIDE HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE us SO MUCH MONEY in the LONG RUN (not to mention bring peace of mind to all). And, America won’t be 12th on the life expectancy list! We’ll be able to have a longer lifespan, enjoying our government-protected pension and will live to see the day when the corporate criminals who caused this much misery are let out of prison so that We can help re-acclimate them to plain old ordinary, civilian life — a life with ONE nice home and ONE gas-free car invented with help from the People’s Bank.

P.S. Call your Senators NOW !!! —>

Since they voted against passing the extension of unemployment benefits and skipped out to "campaign" to us to be re-elected…call them and tell them you will vote for the other "guy" if they don’t get their act together!



——> THE Historic ELECTION <——

"A work in PROGRESS."

Nov. 4th, 2008.

A great American leader once said, "As individual fingers We can be easily broken. But TOGETHER We make a mighty fist." These words too were spoken by a minority leader. He was the venerable Chief Sitting Bull. No, Barack Obama’s not the first American minority to speak eloquently and he most certainly won’t be the last. Though, in the end, this election wasn’t even close !!! The world watched as, "YES WE CAN!" turned into, "YES WE DID!" as it now ushers in, "YES WE MUST!" time is NOW!

What WE do with this moment shall define US, forthright. America has now elected a man with a background of partial African – American descent as President elect. A new leader with roots from Kenya to Kansas (with a step-father from Indonesia), will be working in conjunction with a vice-Presidential of Anglo-European roots. This is something in which citizens of ALL races – both here and the world ’round – have loudly REJOICED. Why talk about race? Is race important? You bet! Because – like it or not – race has dominated and governed Our daily lives for thousands of years. After all: "To know where We’re going, We must first know where We’ve been".

We’ve come a LONG Way baby! What was once "acceptable" in 1965 is no longer in 2008 and THANKFULLY.

This is a changing of the guard. Especially since forty-percent of America’s population is considered to be a "minority". Only four generations removed, the repression of African slaves by Anglo Saxons caused hundreds of thousands of brothers to kill brothers in a viscous and bloody battle that changed the fundamental principals of this Constitutional Republic from rhetoric to reality. This too was a significant changing of the guard.

For the first time in the history of the country, the ancestors of these very same people who so passionately fought for slavery have now OVERWHELMINGLY voted for a minority leader. This too ushers in a new chapter in the history of America. This is a tremendous nod to those great American leaders before Us who risked everything so that We find ourselves at this precise moment in time. We must give thanks to these men and women who both tirelessly and unselfishly gave their lives to cross and to help shatter the racial, sexual and social boundaries imbued in the history of the United States of America.

It has now taken place. There’s a palpable renewed sense of HOPE for a better tomorrow – a HOPE that these same crippling boundaries shall finally once and for all be erased. Yet it is wise to also remember the adage, "Actions speak louder than words" and Our rhetoric must now be turned into action. The ability to truly rise above differences and to not just speak of doing so, tells much of Our long and continuous journey. If We remember the old North American Indian saying, "We do not inherit the earth from our ancestors, we borrow it from our children." We might just have a fighting chance.

The People have spoken! A record-setting 130 million Americans’ turned out to vote in Tuesday’s election, in which Barack Obama made history on a Democratic tidal wave of victory. Polling suggests voters came out in record numbers because of growing concerns over the economy, jobs, health care, energy, and the war in Iraq.

Clearly, the Obama administration and the new Democratic majority in Washington have a chance to make profound changes in Our lives – stretching ­from Wall Street to Main Street. Yes, this moment shows decency about human possibility and let’s face it, We could use just a little decency RIGHT NOW.

Perhaps more importantly, this moment speaks volumes as it’s an utter rejection of the right’s politics of fear and greed? It will now be decades before there’s another Republican majority in Congress. Never have the words, "Ask not what Your country can do for You, but what You can do for Your country," seemed more true for SO MANY. For, We-Are-Our-country. And We’re at a MAJOR crossroads. Where, oh where to begin?

OBAMA / BIDEN Campaign.

Here in New York, Working Families voters, members, affiliates, supporters and chapter leaders poured everything they had into critical campaigns that proved successful. Many are now understandably exhausted – though more than a little proud of what was accomplished. And, the results were terrific ~ if not downright Historic. For the first time since the mid-1930, the State Senate will NO LONGER be controlled by Republicans. It’s now in the hands of a Democratic Working Families majority! Just-take-one-moment-and-soak-this-in. MASSIVE Democratic majorities in BOTH the HOUSE and the SENATE!

Together, the W.F.P built a solid partnership with Senate Democrats, knocking on more than half a million doors for progressive CHANGE. And, in the end, "We the People" overwhelmingly responded. This is a MILESTONE. There’s now a renewed sense of real HOPE resonating from Washington, indeed, around the world. This is powerful. Because, without HOPE, there’s simply nothing to gain.

However, We must be careful not to fall prey to disillusionment. If illusions tear People asunder, then disillusion outright kills the human spirit. In other words, divided THEY conquer, united, WE stand. That this historic moment was ushered in during Native American Indian month is apropos. Because, We must not forget the very real foundations of this idealistic country and pay homage to the 500 plus year struggle of Our First Peoples’ for the basic rights afforded them in Our own Constitution. Obama’s victory is indeed a victory representing the multitudes. It is precisely because his success mirrors the masses, rather than a few wealthy, power-elite that this is so electrifying. A VERY palpable, "Finally!" was the expression heard ’round the world.

The world woke up WEDNESDAY with the real possibility of a very RARE OPPORTUNITY – the best in most Our lifetimes. This is a chance to truly transform America.

But, We mustn’t forget the VERY hard realities existing in this country. Just ask any woman…any "person of color"…or, any First Peoples living in this "great" land. For, as long as Native American Indians in Our country still live in policies of containment on reservations without the very basics, such as running water, electricity, or heat… as long as more than 75% of the prison population includes African-Americans, First and Taino Peoples …as long as We continue to allow Our tax dollars spent to be three times more for each of these prisoners per head than on Our own school childrens’ education…as long as American women continue to earn less than men for the SAME work…as long as We allow privately held corporations to exist without extreme MAJOR reform…as long as We continue to allow Our children to trample on foreign soil to kill and to be killed in "Our" names…as long as We sit idly by expecting or content to let others to "Do the right thing," for us… as long as We DON’T ACTIVELY PARTICIPATE TOGETHER in challenging and fighting for OUR OWN WELL-BEING for the betterment of future generations… as long as We choose to remain ignorant and in denial to Our faults…TRUE CHANGE can, and will NEVER HAPPEN.

Though, like anything rare and unique, We must first take proper time to Honor…to give thanks to those before us who, without their dedication and sacrifice, made this moment possible. We must come together. Immediate formulation and a real plan to guard and to protect this moment with fierce determination is required. New leaders are needed and will emerge so We ensure moments like this become the norm, rather than a mere token fluke. If We HOPE to transform Tuesday’s results into a real break from the shipwreck of the most immediate last thirty years – We MUST start by realizing this election represents just that – a START. It’s Round One of Our LONG and CONTINUOUS struggle.

And, Round Two will be just as tough, if not more so. Staying the course can easily be forgotten when People are dying from inadequate health care; when they’ve found themselves on the streets for lack of shelter and as they grow ever more desperate due to lack of job opportunities. Just ask people of Native or African American descent. Or, one of Our homeless veterans living on America’s streets of plenty.

Yes, the house of cards has fallen HARD and FAST. And, President / V.P. elect Barack Obama and Joe Biden have inherited many seemingly insurmountable challenges. REAL CHANGE – not rhetoric – is what’s needed. And to get it, We MUST demand it. We MUST march and be watchdogs for the sake of the coming generations. Communication with Our politicians is a MUST. MOST importantly, We MUST stand TOGETHER and be willing to fight to protect what is right and what is good for the MANY, NOT the FEW.


A President Obama will need to be simultaneously supported AND pushed. His training as a community organizer gives one confidence that he’ll not only understand, but should also expect this dynamic. It’s imperative for us to mind the trusty, "Follow the money" strategy. Don’t forget, President elect Obama dually made history by raising the most unprecedented amount of campaign dollars in the HISTORY of U.S. Presidential elections. According to CNN, if annualized, the Obama campaign’s ad spending on the post-primary Presidential campaign would come to US0 million. This amount is only exceeded amongst large corporations such as Verizon and AT&T – both heavy sponsors of the Republican AND the Democratic national party conventions.

At the start of October, the Democratic National Committee announced it raised US.9 million with US.5 million sitting in the bank. The party raised money through joint fund-raising events with Obama and was able to use that money to assist his candidacy. These numbers were only possible because he opted out of the public financing system for the fall campaign. John McCain chose to participate in the system, which limited him to US million for the September / October stretch prior to the election. After initially promising to accept public financing if McCain did, Obama changed his mind after setting primary fund-raising records. In fact, by the time the primaries hit, Obama was raising as much as US million each and every day. The Obama / Biden campaign raised more than US0 million in September alone – a stunning and unprecedented eruption of political giving. This extraordinary fund-raising is bound to set a new standard in politics that could doom the current taxpayer-paid system set up in the 1970’s.

HOPEfully NOT.

The party presidential nominees – Democrat Barack Obama and Republican John McCain – together spent more than US BILLION, also an unprecedented figure. According to White House for Sale, a nonpartisan group that tracks political giving, Obama had 605 bundlers, or donors who collect money from friends and associates and bundle them together. Four years ago, Democrat John F. Kerry had 588 bundlers and, in 2000, Al Gore had none. McCain had 851 bundlers working for his campaign, compared to 557 who raised money for the Bush-Cheney re-election committee in 2004. George W. Bush is largely credited with institutionalizing the role of bundlers in 2000, when he recruited a then unprecedented 555 surrogate fundraisers.

Ask Yourselves: Who really benefits most from having donated to the Obama / Biden campaign?

President – elect Barack Obama & John McCain’s U.S. Presidential campaign funds details:


Total: US2,525,058
Bundlers: 851
Lobbyist Bundlers: 77

See the Center for Responsive Politics Presidential campaign monies for a better perspective:

2008: Obama AND McCain – US.3 BILLION

(Obama: US0,767,963 million / McCain: US2,525,058 million)

2004: Bush AND Kerry – US.2 BILLION

2000: Gore AND Bush – US.56 MILLION

1996: Dole AND Clinton – US.82 MILLION

1992: Clinton AND Bush – US.24 MILLION

* TO SEARCH FOR MEGA-DONERS, CLICK here:… McCain&StateSelect=&SortOrder=Last_Name, First_Name, Middle_Name, Suffix.*

Democrats in Washington and will be under enormous pressure to "play it safe", even as everyone knows We need bold action and some kind of new, New Deal. And, if We allow the "play-it-safe" crowd to dominate, then Obama (and We) will not succeed. Make NO mistake: the corporate big-wigs and free-market fundamentalists see this for exactly what it is: THE FIGHT OF A LIFETIME. They want nothing more than for the Democrats to disappoint, because then the HOPEfulness that Obama represents can be stuffed back in the bottle and cynicism can once again regain its place in Our national political culture.

WE Can’t Let This Happen!

Whether it’s revamping our health care system…implementing a new fair-based trade policy…creating a sound, realistic and well thought-out immigration plan…jobs programs…organizing rights in Washington, or campaign election reform, family leave or fair taxes, this election has set the stage for an ENTIRELY NEW social contract between the government and the People. This election opens up a real possibility – small, but real – that We could make genuine progress as a society, in terms of equality and freedom and true sustainability. In other words, the democracy We preach, but don’t teach. What comes next is up to US. And, We need to seriously ready OURSELVES.

In short, the real meaning of this election hasn’t yet been decided.

Overall, there’s a lot of work to do. It’s imperative that EVERYONE do his share – whether this means attending a neighborhood or union meeting, signing a petition, organizing or riding a bus to a demonstration, going on a lobby visit, making a financial contribution, or just talking to a stranger about the need and desirability of the common good.

Thanks for all you do!
Live your values. Love your country.
And, remember: TOGETHER, We can make a D-I-F-F-E-R-E-N-C-E !

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