Upcoming Foreclosures

Where do I get free listings of government tax foreclosures in my region? my Husband and I are looking into buying a home preferably a tax foreclosure, and I would like some insight on any websites you may have out there that are legit.

can you buy government tax lein foreclosures free & clear for only hundrads of dollars?

Where can I find a list of free and clear Government Tax Foreclosure Homes for sale? So I was watching this infomercial on t.v. about how there are government tax foreclosure homes for sale for very cheap prices that I couldn't even believe they were true. Is this kind of business legit and if so where can I get started to start looking for a list of these homes that are available for buy. I kind of did a search on my own but most of these sites ask you to register with them to view pictures of the properties and so fort. Is there any sites or anywhere where I can get a free list or where I can begin getting more information on how all this process works?

Can you really buy government tax lien foreclosure properties free & clear with only hundreds dollars?

where can I find connecticut government tax foreclosure property? I need free listing only. Please let me know how can I buy foreclosure property and what is difference compare to normal property.

Buying government tax-foreclosure properties at pennies to the dollar? How is it possible that infomercials state that properties that government tax- fore-closure properties are selling for literally 2 or 300 dollars online?....This obviously cannot be true but how can they get away with making such sensational and impossible claims? Doesnt that break some better business bureau law somewhere? Are there any elements to this idea that are true? What is and what isnt? Can you buy a house that is in the final step of foreclosure like you see on web sites like trulia.com for only a coupl thousand or so for 3 bedroom nice houses?...How does this work, how do you buy a house that went into total foreclosure scott-free? I would apreciate any advice about investing in houses with out huge amonts of money down or even good credit..Thanx everyone :) Are house auctions the only way to really buy houses at a discont price? And where and when do houses get sold cheaply at auctions?

Has anyone ever heard of John Beck's Free and Clear program? Its buying houses from tax foreclosures.? I want to know if it is a safe thing to do. I guess you can buy houses from the government for $500. It seems to good to be true but the infommecial showed lots of info to back up its true with success stories. I just want to know if anyone knows anything about this John Beck guy.

John Beck's Free & Clear Real Estate System: Is this for real or is it a scam? This one seems too good to be true, yet they claim that they can't claim that you can buy government tax foreclosure sales for pennies on the dollar unless it was true. Does anyone know about this company OR if you can really buy homes for only hundreds of dollars? Am I a big sap for even thinking this could be for real?

Why does the government want to spend $700B to bailout bad businesses and banks? Here is a thought. We call it the Mukai bailout plan and is a plan that should be considered. You give $1M to every taxpayer who filed taxes which was 138 Million people and save the taxpayers money. Call it a TAX FREE stimulus check and I guarantee the foreclosures will go down and the economy will be stimulated. We could save a great deal of money. Has anyone had this thought?

Is there an alternative way to learn about these financial things that infomercials advertise?... I see infomercials on government grants, tax write offs, tax foreclosure, pre foreclosures, financing, bank negotiation, ect. Is there an alternative to paying for these programs and studying it for yourself in books, websites, and other things? A couple names are John Becks Free and Clear, teachmeforeclosure.com, and so forth.

What if every us citizen (over 18 & not in jail)got one million $ tax free. wouldn't that stimulate economy? This question was posed a month ago. Yet it is a resolved question so I couldn't post a reply. So I'll start a new one. While this is a valid question that MANY have been asking. I personally think it is possible to do so. However,not with just a hand out of $1million dollars. We are seeing the down side to giving Hand outs and the abuse it causes by what's happening on Wall Street. The way this could work would be by giving credits not a lump cash sum. Rather, a credit system. And it would be for US Citizens over the age of 18 not living overseas unless they are in the armed forces or working for a government agency and they must not be in Jail or have a Prior Felony history. At the start of the credit system, there would be a 2 year moratorium on price increases for anything purchased in the USA. This will create a two fold which I'll get into later. The first draw the Citizen shall take wil be for housing. If they have an existing Mortgage, the moratorium shall state they must pay off their mortgage and stay in the home for at least 2 yrs or if they HAVE to move, they can only purchase a home of equal value. If the Citizen just lost their home to foreclosure, then they can take their credit and purchase a home at the same value as their home they lost to foreclosure. (if the home hasn't been sold by the bank, they must buy back their home from the bank) If they do not own a home and are renting, they can purchase a home equal to the value that their income level would have allowed + $100,000.00. Or what a Mortgae payment would have been equal to their rent amount + $500.00. (which ever is the greater of the two) This will stop everyone from going out and buying homes way over what they normally would have been able to afford without the hand out. And the 2 yr moratorium on moving stands for everyone to insure that price gougeing will not take place. The second thing the US Citizen can do is draw a credit to pay off bad debt. Bad debt would be any medical bills, judgements, liens,repossessions, credit card debt. Then the 3rd draw would be to pay off their car. If their car is already paid off, or over 10 yrs old, they can purchase a new car of equal or comparative value at todays standards. In otherwords, If you own a Honda Accord, you can't go out and buy a Brand New Cadillac Escalade. I think you can see where I'm going with this. The credit you take out isn't to overextend, rather get you out of debt and stay in the lifestyle you are in and can afford without being strapped by mortgage, rent, car payments and bad debt. After all these credits are obtained, your employment can be evaluated. If you have lost your job, you can take a credit to go to school to reeducate yourself. If you are currently employed, the 2 yr moratorium stands. You stay employed so as not to disrupt the balance of everyone all of a sudden wanting to be Stock Brokers or MD's and no one wants to work at a retail store as a cashier. And hopefully after these 2 yrs, the economy will be back to an even keel that more jobs will be available so those out of work, or in school can obtain a decent job with decent pay. The 4th draw will be to create a retirement account. One that cannot be touched until the age of 65. The 5th draw will be to create a college fund for your child/children that cannot be used for anything but college. The 6th draw will be to purchase health insurance. The credit will be extended for 2 yrs - giving you enough time to incorporate the payment into your budget, or hopefully have employer coverage by the 2 yr date. If you already have health insurance, you are exempt from this credit. Once everyone has a home, a car, bad debt paid off, health insurance, retirement funds, and college funds. Their credit is cut off. It's up to them to figure out how to keep from getting into overextended situations in the future. They can either take out home equity lines and run up their credit card debt, or be responsible and happy living within their means. This has been a tough 2-4 yrs for many. And I think if given this kind of opportunity - many will be content with their lifestyle and set goals and levels of success in steps, rather than with irresponsibile behaviour. Will this take monitoring%

Are you OK with a tax increase due to poor government spending and management? In the current situation, many American states face an economic free-fall based on several factors including the loss of state revenue, size of budget gaps, unemployment and foreclosure rates, poor money management practices, and state laws governing the passage of budgets. These troubles have forced these states to lay off or furlough state workers, slash services, and most of all -- raise your taxes. Here are my questions: 1. Has your taxes already increased in your state? 2. Are you OK with a tax increase due to poor government spending and management? 3.If your not happy with the tax increase, is there anything you can legally do to stop the government from pocketing more of your hard earned money? (Please, don't answer ACORN.) Holy-Frollicking-Gay-Rainbows Batman!

tax foreclosure who needs john becks system? I went to the county court house, got the list and placed a tax bid and... got a house. No need for websites or pay sombody for public information. Yes it does work, my house was less then a $1000, yes a wreck but repaired and we are living in it... so hooray!!! No john beck or anyone else, we're in South Carolina and its bid win or money back with interest from the government. Im still looking for the catch, had this house two years now, yes i'll chat about it, can't help but shout it from the roof tops, welcome to the USA. An amazing concept for a former Brit. If anyone tells you you have to pay for the knowledge, they are lying. I taught myself and looked at a lot of houses that I didn't bid on or bid on and didn't win - but I still got good interest. I hate rip off merchants that take an honest good idea and twist it for further profit from the people who often need the truth (free) the most. Martin

Dems- what can we tax now? ohhhhh here's one: http://www.bloomberg.com/apps/news?pid=20601070&sid=aaNJtTeJaW_Q "Online Gambling Tax May Be Jackpot for Congress" Oooo how about this one: http://hotlineoncall.nationaljournal.com/archives/2010/04/dems_divided_bu.php "Congressional Dems are notably open to supporting some version of a value-added tax" AKA--->> A national sales tax above what ever the state sales tax is. http://www.cagop.org/index.cfm/capitol-update_1104.htm You better hope to God, that none of these CA dems ever make it to DC!!! What say you? CALIFORNIA TAXES:Hard-working Californians are paying one of the highest tax burdens in the country. Every day, Californians pay: 8.25% Sales Tax: Highest State Sales Tax Rate in the United States--- Franchise Tax Board 63.9¢ per gallon Gas Tax: Highest Gas Taxes in the Country---Tax Foundation 10.55% Income Tax: Second Highest Income Tax Rate in the United States---Forbes Magazine NEW DEMOCRAT PROPOSED TAX INCREASES:In spite of California’s high tax burden, and the fact that Californians are still digging out from under a $12.5 billion tax increase passed last year – the largest in state history – California Democrats in the Assembly and Senate have proposed more than a dozen measures this year to impose new or higher taxes on Californians, including: +$14 Billion: New Income Tax Increase on Californians– Democrat (AB 1836-Furutani), which would be a $14 billion tax hike over 5 years. +$1.4 Billion: New Taxes on Oil = Higher GasPrices– Democrats (AB 1604-Nava and AB 656-Torrico) , +Taxing the Miles You Drive:New Tax on the Miles People Drive– Showing they will pull out all the stops to find new ways to tax Californians, Democrat (SB 1299-Lowenthal). +25¢ per bag: New Grocery Store Bag Tax– Democrat (AB 1998-Brownley) that would impose a new green bag "fee" of at least 25 cents on each bag Californians use to carry home their groceries. +10¢ per can of soda:New Per Teaspoon of Sugar Tax on Soda – Democrats (AB 2100-Coto and SB 1210-Florez) to tax the soda that you drink to fund new programs. One proposal would add a one cent per teaspoon of sugar tax, which would amount to a 10 cent per can tax increase on a 12 ounce can of soda. +$3 per traffic ticket:New Tax on Traffic Tickets – Democrat (AB 2173-Beall) on the traffic tickets of Californians who may receive one, to pay for more government spending – a tax increase of $3 per traffic ticket. +Taxing Your Parking at Work:New Tax on Parking at Work – Democrat (AB 2640–Arambula) that workers receive for free or subsidized parking from their employers, treating this job benefit as taxable income. This would be a significant new expense on the wallets of working Californians. +4.8% Home Insurance Tax: New Home Insurance Policy Tax– With many struggling to avoid foreclosure, Democrats want to impose a new 4.8 percent tax (SB 1258-Kehoe) on the insurance policies of homeowners and property owners. This would be a $238 million tax increase in 2010-11 and a $480 million tax increase annually each following year. +$210 Billion?New Health Care Taxes– Democrats (SB 810-Leno) that would be paid for by a yet-to-be-determined new jobs tax, which could result in tens of billions in new taxes on employers and threaten job creation. A prior version of this scheme was projected to cost $210 billion annually. +$146 Billion?New Global Warming Taxes– Liberal bureaucrats at the California Air Resources Board are proposing costly new regulations to implement the global warming law, AB 32. A proposed "cap and trade" plan could result in $146 billion in new costs at $60 per ton of emissions, passed along to consumers, rate payers and taxpayers. +$420 Million?Repealing Job Creating Tax Incentives– At a time when the state’s unemployment rate is 12.5 percent and small businesses are struggling to stay open in California, Democrats (AB 1935 and 1936-De Leon) that will take away two job creating tax incentives (single sales factor and net operating loss carryover) that are critical for job creation. +Billions?Paving the Way for New Local Tax Increases– Democrats want to make it easier to raise taxes at the local level. They have proposed legislation (AB 2113-Evans) that would authorize cities and counties to establish local income taxes and car taxes, subject to a vote of the local electorate. DC- here they come?

Hypothetical question: What would happen if individual U.S. states decide to free half the prison population? Months back it seemed more chaos would be befalling California when all those thousands of prisoners would be released because of huge budget problems. Up till a point I took this as a "threat" used by some to get what they wanted concerning monetary issues. Now, these two women in Mississippi are freed, many say because it would be tremendous burden on prison to keep caring for her. And I can only imagine that there are thousands if not millions of cases which at some point could merit similar actions_huge elderly prison population, catastrophic illnesses, and extremely overcrowded prisons. Simply put, because just like prisons bring millions of dollars to some areas, they still function mostly (if not solely) with state money. Being there less resources from tax dollars due to millions of foreclosures, bankruptcies and unemployment, would freeing millions of people be something seriously considered by governments? And, if states decide to free as many people as they see fit, is there a federal law which would prohibit it? JUSTAGRANDMA, I agree w/ you in some things, but I'm not too sure that it is the case for death-sentenced individuals; I believe they do get all medical treatment. After all, they are even given their last meal hours before being put to death! Something that I find so "indescribable" really. As for prisoners going to welfare, in this case I think welfare would be more than justified, even when these people are really guilty (and not have been railroaded like they say), because it does say something about the system: at least they show more humane traits by not abandoning them completely. On the other hand, I'm not sure till what extent this is true about welfare. Actually from many city stories I've read, lots of business (and employment) is generated by prisoners going to half-way houses.

The Ramsey 3 step bail-out solution? On the Dave Ramsey website I found this plan. In a way it sounds very good. Maybe too good. I actually like it so far, Can you take a look at it and tell me what you see that is wrong? Could ti really be this simple? Or this cheap? Here it the text of the plan. I will list the link below. The Common Sense Fix Years of bad decisions and stupid mistakes have created an economic nightmare in this country, but $700 billion in new debt is not the answer. As a tax-paying American citizen, I will not support any congressperson who votes to implement such a policy. Instead, I submit the following threestep Common Sense Plan. I. INSURANCE a. Insure the subprime bonds/mortgages with an underlying FHA-type insurance. Government-insured and backed loans would have an instant market all over the world, creating immediate and needed liquidity. b. In order for a company to accept the government-backed insurance, they must do two things: 1. Rewrite any mortgage that is more than three months delinquent to a 6% fixed-rate mortgage. a. Roll all back payments with no late fees or legal costs into the balance. This brings homeowners current and allows them a chance to keep their homes. b. Cancel all prepayment penalties to encourage refinancing or the sale of the property to pay off the bad loan. In the event of foreclosure or short sale, the borrower will not be held liable for any deficit balance. FHA does this now, and that encourages mortgage companies to go the extra mile while working with the borrower—again limiting foreclosures and ruined lives. 2. Cancel ALL golden parachutes of EXISTING and FUTURE CEOs and executive team members as long as the company holds these government-insured bonds/mortgages. This keeps underperforming executives from being paid when they don’t do their jobs. c. This backstop will cost less than $50 billion—a small fraction of the current proposal. II. MARK TO MARKET a. Remove mark to market accounting rules for two years on only subprime Tier III bonds/mortgages. This keeps companies from being forced to artificially mark down bonds/mortgages below the value of the underlying mortgages and real estate. b. This move creates patience in the market and has an immediate stabilizing effect on failing and ailing banks—and it costs the taxpayer nothing. III. CAPITAL GAINS TAX a. Remove the capital gains tax completely. Investors will flood the real estate and stock market in search of tax-free profits, creating tremendous—and immediate—liquidity in the markets. Again, this costs the taxpayer nothing. b. This move will be seen as a lightning rod politically because many will say it is helping the rich. The truth is the rich will benefit, but it will be their money that stimulates the economy. This will enable all Americans to have more stable jobs and retirement investments that go up instead of down. This is not a time for envy, and it’s not a time for politics. It’s time for all of us, as Americans, to stand up, speak out, and fix this mess. So whatbdo you think?

Alternative to Bailout Pla, will you sent it to your Congressman? Years of bad decisions and stupid mistakes have created an economic nightmare in this country, but $700 billion in new debt is not the answer. As a tax-paying American citizen, I will not support any congressperson who votes to implement such a policy. Instead, I submit the following three steps: Common Sense Plan. I. INSURANCE A. Insure the subprime bonds/mortgages with an underlying FHA-type insurance. Government-insured and backed loans would have an instant market all over the world, creating immediate and needed liquidity. B. In order for a company to accept the government-backed insurance, they must do two things: 1. Rewrite any mortgage that is more than three months delinquent to a 6% fixed-rate mortgage. a. Roll all back payments with no late fees or legal costs into the balance. This brings homeowners current and allows them a chance to keep their homes. b. Cancel all prepayment penalties to encourage refinancing or the sale of the property to pay off the bad loan. In the event of foreclosure or short sale, the borrower will not be held liable for any deficit balance. FHA does this now, and that encourages mortgage companies to go the extra mile while working with the borrower—again limiting foreclosures and ruined lives. 2. Cancel ALL golden parachutes of EXISTING and FUTURE CEOs and executive team members as long as the company holds these government-insured bonds/mortgages. This keeps underperforming executives from being paid when they don’t do their jobs. C. This backstop will cost less than $50 billion—a small fraction of the current proposal. II. MARK TO MARKET A. Remove mark to market accounting rules for two years on only subprime Tier III bonds/mortgages. This keeps companies from being forced to artificially mark down bonds/mortgages below the value of the underlying mortgages and real estate. B. This move creates patience in the market and has an immediate stabilizing effect on failing and ailing banks—and it costs the taxpayer nothing. III. CAPITAL GAINS TAX A. Remove the capital gains tax completely. Investors will flood the real estate and stock market in search of tax-free profits, creating tremendous—and immediate—liquidity in the markets. Again, this costs the taxpayer nothing. B. This move will be seen as a lightning rod politically because many will say it is helping the rich. The truth is the rich will benefit, but it will be their money that stimulates the economy. This will enable all Americans to have more stable jobs and retirement investments that go up instead of down. This is not a time for envy, and it’s not a time for politics. It’s time for all of us, as Americans, to stand up, speak out, and fix this mess.

The 3 step bail-out solution? On the Dave Ramsey website I found this plan. In a way it sounds very good. Maybe too good? I actually like it so far, Can you take a look at it and tell me what you see that is wrong? Could it really be this simple? Or this cheap? Here it the text of the plan. I will list the link below. The Common Sense Fix Years of bad decisions and stupid mistakes have created an economic nightmare in this country, but $700 billion in new debt is not the answer. As a tax-paying American citizen, I will not support any congressperson who votes to implement such a policy. Instead, I submit the following threestep Common Sense Plan. I. INSURANCE a. Insure the subprime bonds/mortgages with an underlying FHA-type insurance. Government-insured and backed loans would have an instant market all over the world, creating immediate and needed liquidity. b. In order for a company to accept the government-backed insurance, they must do two things: 1. Rewrite any mortgage that is more than three months delinquent to a 6% fixed-rate mortgage. a. Roll all back payments with no late fees or legal costs into the balance. This brings homeowners current and allows them a chance to keep their homes. b. Cancel all prepayment penalties to encourage refinancing or the sale of the property to pay off the bad loan. In the event of foreclosure or short sale, the borrower will not be held liable for any deficit balance. FHA does this now, and that encourages mortgage companies to go the extra mile while working with the borrower—again limiting foreclosures and ruined lives. 2. Cancel ALL golden parachutes of EXISTING and FUTURE CEOs and executive team members as long as the company holds these government-insured bonds/mortgages. This keeps underperforming executives from being paid when they don’t do their jobs. c. This backstop will cost less than $50 billion—a small fraction of the current proposal. II. MARK TO MARKET a. Remove mark to market accounting rules for two years on only subprime Tier III bonds/mortgages. This keeps companies from being forced to artificially mark down bonds/mortgages below the value of the underlying mortgages and real estate. b. This move creates patience in the market and has an immediate stabilizing effect on failing and ailing banks—and it costs the taxpayer nothing. III. CAPITAL GAINS TAX a. Remove the capital gains tax completely. Investors will flood the real estate and stock market in search of tax-free profits, creating tremendous—and immediate—liquidity in the markets. Again, this costs the taxpayer nothing. b. This move will be seen as a lightning rod politically because many will say it is helping the rich. The truth is the rich will benefit, but it will be their money that stimulates the economy. This will enable all Americans to have more stable jobs and retirement investments that go up instead of down. This is not a time for envy, and it’s not a time for politics. It’s time for all of us, as Americans, to stand up, speak out, and fix this mess. So what do you think? Here is the link to the site: http://www.daveramsey.com/etc/fed_bailout/index.html

The 3 step bail-out solution? I am asking the same question yet again because I an honestly looking for more feedback. I have received some that I like, but so much is based on emotions and not facts. How about some facts! I do not like the idea of giving a hand out to anyone. but lets face facts-there is going to be some type of program passed-congress just can't pass it up. They LOVE doing this stuff! If I have to have a bill forced on me, this is the idea I like best so far. On the Dave Ramsey website I found this plan. In a way it sounds very good. Maybe too good? I actually like it so far, Can you take a look at it and tell me what you see that is wrong? Could it really be this simple? Or this cheap? Here it the text of the plan. I will list the link below. The Common Sense Fix Years of bad decisions and stupid mistakes have created an economic nightmare in this country, but $700 billion in new debt is not the answer. As a tax-paying American citizen, I will not support any congressperson who votes to implement such a policy. Instead, I submit the following threestep Common Sense Plan. I. INSURANCE a. Insure the subprime bonds/mortgages with an underlying FHA-type insurance. Government-insured and backed loans would have an instant market all over the world, creating immediate and needed liquidity. b. In order for a company to accept the government-backed insurance, they must do two things: 1. Rewrite any mortgage that is more than three months delinquent to a 6% fixed-rate mortgage. a. Roll all back payments with no late fees or legal costs into the balance. This brings homeowners current and allows them a chance to keep their homes. b. Cancel all prepayment penalties to encourage refinancing or the sale of the property to pay off the bad loan. In the event of foreclosure or short sale, the borrower will not be held liable for any deficit balance. FHA does this now, and that encourages mortgage companies to go the extra mile while working with the borrower—again limiting foreclosures and ruined lives. 2. Cancel ALL golden parachutes of EXISTING and FUTURE CEOs and executive team members as long as the company holds these government-insured bonds/mortgages. This keeps underperforming executives from being paid when they don’t do their jobs. c. This backstop will cost less than $50 billion—a small fraction of the current proposal. II. MARK TO MARKET a. Remove mark to market accounting rules for two years on only subprime Tier III bonds/mortgages. This keeps companies from being forced to artificially mark down bonds/mortgages below the value of the underlying mortgages and real estate. b. This move creates patience in the market and has an immediate stabilizing effect on failing and ailing banks—and it costs the taxpayer nothing. III. CAPITAL GAINS TAX a. Remove the capital gains tax completely. Investors will flood the real estate and stock market in search of tax-free profits, creating tremendous—and immediate—liquidity in the markets. Again, this costs the taxpayer nothing. b. This move will be seen as a lightning rod politically because many will say it is helping the rich. The truth is the rich will benefit, but it will be their money that stimulates the economy. This will enable all Americans to have more stable jobs and retirement investments that go up instead of down. This is not a time for envy, and it’s not a time for politics. It’s time for all of us, as Americans, to stand up, speak out, and fix this mess. So what do you think? Oops-I forgot the link! Look under Common Sense Fix: http://www.daveramsey.com/etc/fed_bailout/index.html

Which of these families deserves government mortgage help? Please tell me which of the following families deserves government mortgage help: A. single mother with three kids. working, never married, child support erratic at best. bought a house in 2006 with a 5/1 ARM subprime loan. can't afford payments now that the introductory low interest rate is ending. B. married couple with two kids. both were working in 2005 when they bought a house using an alt-a loan. she lost her job in 2007 and her new one pays less. his self-employment business is slowing as his customers feel pinched and do without his service due to the "recession". two months behind on payments with reset to higher rate in November. C. married couple without children. Lost their house to foreclosure in 2007 after he was disabled in a work accident. Disability wasn't enough to continue making the payments after his medical costs soared. D. 83 year old widow. Owns her house free and clear, but can't afford the property taxes and insurance because houses in her neighborhood tripled in past ten years due to easy money loans and thus many buyers. Now can't sell as the market has crashed. Six months past due on property taxes. E. couple with two college age children who re-fi'd their house in 2006 to pay their childrens' tuition. Closed a 401k to make tuition payments in 2007 and borrowed from relatives to pay again this fall. House is 45 days past due but older child doesn't graduate until December 2010. F. Retired couple whose only regular income is small pension plus social security. Their retirement assets in stock market have taken a beating this year. Borrowed in 2004 against their house when he had a heart attack that caused his early retirement [which crippled his pension]. Rising costs of gas and food have made them 30 days past due and they have no way to catch up without further damaging their retirement assets. G. Manager and stay at home wife with two children in public school. He lost his job two years ago -- it was outsourced to China. Now works at Home Depot, but the money isn't 1/3rd of what he used to make. Still looking for that managerial job, which costs hundreds a month in extra costs. they've gotten their foreclosure notice and are thinking about filing bankruptcy to buy time. H. Market trader and retired wife who lost $125,000 when his short sales were arbitrarily ended by SEC order in this financial crisis. Hasn't made trading profit since last October. Now two months late and getting daily phone calls from mortgage servicing company asking for money he can't pay if he is ever to recover his losses in the markets. I. Retired couple who saved and planned out their retirement for last 25 years. Retired in 2007 owing nothing, but living off 401k payouts and social security. their assets are down 25% so far in this recession and they'll have to cut costs next year, which means short selling the house into increasingly bad market and paying bank off on the loss over next who knows how many years [if ever]. J. Sixty something widow whose assets were wiped out by husband's death via Alzheimer Disease and private nursing home for 4 years. Has only Social Security now as all their retirement assets except the house went to pay the nursing home. Took a mortgage in 2005 to pay off the husband's medical bills and burial. *** please tell me which, if any, of these families deserve government help in staying in their home or recovering their home. This question has no political point to make and is solely to gather information regarding what the Y!A public thinks America's public policy should be. While all of these situations are real to some family, I carefully crafted each of them to show a case where the people involved arguably are losing or lost their home because some other part of our economic system had a breakdown. In theory, none of these deserve government mortgage help, imo. Some of them needed either less or more government in some other part of their lives and because of that issue, were financially savaged to the point of losing their home. Afaic, the mortgage industry should NOT bear the brunt of other failures in America's systems -- doing so only distorts the economy even further. Did the mortgage industry have its own failures? YES. Mostly, they had a failure of spine. They didn't stand up to Congress and HUD in the 1990s when both needed to be told that their rules were requiring the banks to write bad loans that shouldn't have ever been made. Big government needed to be told "NO".

How come illegals are now demanding free health care, affordable housing & freedom from any of our laws? It was a busy day in Albany Tuesday. Hundreds of New Yorkers from across the state gathered there for the New York Immigration Coalition's 14th annual Immigrants' Day of Action. Their purpose was to urge legislators and Gov. Cuomo to adopt policies and services that help immigrant communities contribute to the state's economic recovery. "We know that Albany has to make some tough decisions this year," said Chung-Wha Hong, NYIC's executive director. "And we're ready to work with them to make sure they get it right." Among other things, the NYIC called for ending the state's participation in the Secure Communities program, and for not balancing the budget solely on the backs of the most vulnerable New Yorkers. Language access, health care, labor protections for immigrant workers and affordable housing were also among the advocates' concerns. The participants, representing more than 50 diverse immigrant groups, met with dozens of lawmakers and officials to press their concerns. Immigrants make up 26.6% of the state's workforce but are disproportionately suffering the consequences of the unemployment, rising prices, frozen wages, skyrocketing health costs and the foreclosure epidemic that grips the state. Inevitably painful cuts will have to be made to close a $10 billion deficit in the state's projected $96 billion operating budget, but participants, worried about Cuomo's proposed cuts, advocated for other options to be considered. Among them is extending the "millionaires tax" instead of imposing deep cuts to education and health care. Extending the tax, that since it was established in 2009 has brought in as much as $5billion annually, would make those cuts less dramatic. It is set to expire at the end of the year and Cuomo has repeatedly said he is against extending it. "Our government cannot get through this crisis simply by slashing the budget while jettisoning the most vulnerable among us, including immigrant New Yorkers," said S.J. Jung, president of MinKwon Center for Community Action in Flushing, Queens. "Our government should instead adopt fair policies based on truly shared sacrifice." Another of the immigrants' main concern was improving health care. "Ensuring access to affordable health care for all immigrant New Yorkers should be a natural goal for Gov. Cuomo," said Guillermo Chacón, president of the Latino Commission on AIDS. Both immigrants and advocates expressed their concern about the controversial Secure Communities program that turns local officers into enforcers of federal immigration law. "Gov. Cuomo should reject the misguided and expensive Secure Communities program," said Udi Ofer, advocacy director of New York Civil Liberties Union. "It will increase racial profiling by encouraging police officers to arrest 'foreign-looking' New Yorkers for the purpose of checking their immigration status." Something that became clear yesterday is that immigrants are determined to fully participate in the political process and make the powers that be take into account their goals and needs. Read more: http://www.nydailynews.com/ny_local/brooklyn/2011/03/02/2011-03-02_immigrants_head_to_albany_to_be_heard.html#ixzz1FZMEDFpR illegals asking hand outs and freebies,illegals sure expect a lot of freebies

ALL AMERICANS - Congress just singed a "housing rescue bill" - ARE YOU ANGRY??? CONFUSED??? HAPPY??? Congress has just approved and signed into law a housing bill that aims to boost the struggling housing market... to bail out Freddi and Fanni. Our goverment will give "unchecked" authroity to prop up the two companies who own half 12 trillion dollars of mortgage backed stocks!!! Biggest bail out in history by congress and the president - this will give "400 homeowners" that are facing foreclosure - BUT Is this a "get out of jail free card"?? The government is using public money, our tax dollars to save private property... when the government spends money, they are writing a check with YOUR MONEY!!! By signing this bill they have raised the national debt once again... As a renter or a responsible homeowners... are you upset to pick up the tab for irresponsible homeowners and private corporations??? Your thoughts... update: less than 10 min after I posted... I have received over 15 replies...Thank You for those who replied... I intentionally stated some wrong facts and I am glad to hear other who have corrected it!!! I am pleased to see many who are concerned of the current statues of our nation... get informed everyone - For small goverment Jeff I have always been preached and drilled in my head as a business owner to always find the "root cause" of any problem, and to look deeper than the initial problem... As I look back when i rode the waves with the rest of the speculative investors in the boom of the tech cycle in the late 90's and the realestate bubble in the early 2000's... you begin to wonder what the true cause or the root problem is... i'm a firm believer that our monterey policies has caused this... Next question... is it to late to fix this problem? Should we not be more concerned about our monterey polices and the consequence it will bring???

What do politicians have against letting people be homeless, get sick, starve and die? I don't get it. This is a free society. People have the right to make mistakes. If someone doesn't have the job or the skills to get a job in demand they should not be bailed out with unemployment insurance or given free medical care, even if they have multiple newborn babies. They should suffer those consequences. If an elderly person did not save enough or invest prudently enough they should not be given payments by the government (a.k.a. taxpayers) or given assistance to extremely expensive medical care (which is only rising). The government should not be insuring homes (creates a moral hazard) or trying to prevent foreclosures, infringing on the free market. If banks want to throw people out of there homes into the street they should be allowed to. The market will take care of itself in the long run. These people are killing our nation. We should eliminate all transfer payments (entitlements, etc), lower taxes on the wealthy to remove barriers to growth, and make up part of it by raising it on the poorest that pay no taxes to make up that revenue. Heck if we had a flat 15% tax on income with no deductions, and maybe a 5% consumption tax with no exemptions, we would establish certainty and economic growth. Sure the marginal value of each dollar of someone who earns 30,000 is worth more than someone with a $200,000 income but who cares. This country is broken and needs to be fixed.

Can homeowners buy the equity backed securities of home at current trading value of mortgaged back security? The foreclosure Tsunami has got to stop. It is wiping out the middle class. Banks and wall street have turned the American dream of homeownership into a high-stakes crap shoot. Banks are foreclosing on the rational that the property has lost value and continues to lose value and the bank will be caused irreparable harm because the under lying value of the note has decreased. The banks caused or conspired to cause the loss of equity, the loss of jobs, and near collapse of our economy and economies of other nations through collateralization of debt obligations and production of mortgage backed securities and derivatives betting on the success or failure of bundles of these securities without due diligence. Continuing foreclosure creates more homeless families, often forces properties below the property value tax basis, hurting local governments, and decreasing all home values in the real estate market. If we can stop the foreclosures and give homeowners the opportunity to buy the security backed by the mortgage at its current book value, if it can even be determined, I would imagine that homeowners would be able to buy their homes at pennies on the dollar or less. There will be a rapid increase of wealth and the middle class will get back to middle class activities. About 30% of homes would come off the market. Property values would return quickly. It seems that the government is more worried about the banks failing. Let them fail. The American people gave them the opportunity to figure it out. They failed, or succeeded. It depends on how you want to look at it. The banks have done amazingly well. The homeowners have lost almost everything. How can a bank foreclose when they made money converting the cdo to mbs, made money selling the mbs, made money selling the derivatives, and probably made money on mbs being bundled with securities on mortgages that never existed. There has got to be fraud in there somewhere. Who is the bank collecting the mortgages for anyway? So many of these mbs have ended up in funds that are now defunct. Please make this stop. It is ridiculous. I do not believe that America should apologize to China, investors, or any other entity who bought the mortgaged backed financial instruments from brokers and investment banks. That is the risk of free enterprise. The answer still may be an amazing "No." But what if I rephrase the question. Would the argument that "fraud, gross negligence, and unethical behavior of Banks and Wall Street caused irreparable harm to the homeowner and homeowner should be given for damages the opportunity to buy the securitized debt of the mortgage backed securities at its current book value, if it can be determined" stand up in court? I think these three caveats would need to be included to bring down the gauntlet and prevent abuse: 1. If debt obligation of the securitized mortgaged security cannot be determined then title to home is given to homeowner free and clear. 2. If the debt obligation of the mbs cannot be determined within 30 days of homeowner requesting buy-out and at the cost of the mortgager from the date homeowner requests buy-out then the debt obligation will be given the status of "cannot be determined." 3. Homeowner can only request a buy-out under this argument if they are in bankruptcy or for

Am I a Liberal or a Conservative? Help me choose!? OK... I am a older teenager and I have decided the I want a future in politics. I love it. My whole family is pretty much strongly conservatively republican but I do not feel that I am 100%. So here is what I believe on the issue and please tell me what you think. I appreciate it! Foreign Policy: This is probably the issue that means the most to me. Because America has the worst foreign policy! I think we need to take all troops our of every country and STOP policing the world. We were attacked on 9/11 because of this and our government told us that we were attacked because we are free so they can use more military force. It's all a joke. So we need to cut military spending drastically and get our troops home, which will ultimately help our national debt which is at a record 15 trillion. It is a win win. Also, If I were president I would repeal the Patriot Act on day one. It is a violation of both the constitution and the American people. How this could be allowed in America is beyond me! Economy/ Taxes: I like the progressive tax system. I do not think the so called "fair tax" is fair at all. I think it is awful that 99% of our society shares 1% of the wealth while the 1% has 99% of the wealth. That is sad. Now I do not advocate socialism, that does not work. Capitalism does work but we need to fix some things and we need a better tax system and get rid of the Bush Tax Cuts. I say we lower taxes for the 99% and raise taxes at least 5% for the 1%. That is not class war fare when they can afford it. That is the ultimate fair tax in my opinion. Housing crisis: Foreclosures are at a all time high but we need to fix the economy and get people back to work so they will be able to pay their mortgages. The housing market is always an up and down ride. Minimum Wage: We need to raise the minimum wage so it is at least low enough for peope to live a basic life of. It is a joke where it is now. Education: This means a lot to me because I want to be a history teacher. We need to make cuts in some governments but not the department of education. We have seen the effects of that and America's educational stance in the world continues to fall. I do not like knowing that America is one of the worlds dumbest countries. No Child Left Behind needs to go, it does not work. On the other hand I am not for just giving teachers bigger salaries they have not earned. A students grades is a reflection on the teacher and until their grades goes up, their salaries should not. Gay rights: I am 100% for gay marriage. I believe the constitution when it say All are created equal. The Republicans are on the wrong side of history on this issue. They were the ones who freed the slaves they should stand up for equal rights for gays as well. Amnesty: there are over 11 million illegals in the US. If anybody thinks we can do anything about them they are nuts. The only reasonable thing to do is let them stay. Most of them have already been here for many years and are already settled. After we let them stay and become citizens we need to finally secure the border and make a clear path to citizenship. War on drugs: All Drugs need to be made legal. This is supposed to be a free country, is is not? Look at this from a psychology stand point. When you tell someone you cannot have something, their body just craves it more and will do anything to have it. Making drugs legal does not mean you yourself has to do them. Health Care: Not a fan of a mandated system. But the government needs to do more to help it's people get insured. Abortion: I am pro choice. I do not think the government can be allowed to force you to have a child. Plus the world is over populated enough. If YOU believe YOU made a mistake. Than you should be able to have a choice about it. Environment: Climate change is very real and Green is universal! America needs to be leading the way on this and were not. Products like hybrids, energy savings light, etc need to eventually take over. We cannot stop climate change but we can make a difference. Death Penalty: I say good riddance to those people. If you want to kill someone, I do not have much sympathy for you. Gun Control: I believe I said before, I am a believer in the constitution. No guns should be banned. However we need to make stricter gun laws. Social Security: More people are paying into this system then every before, so why is it running out of money? We need to save social security soon because time is running out! That is what I believe. I think I am pretty much liberal but I come from a conservative family. And I have a hard time supporting a liberal candidate. I actually don't like Barack Obama, at all, Ron Paul is the only candidate I like. But I feel like I should be a republican with my family but I don't know. Help me out. Thanks.

Why do liberals have a tendency to ignore facts, history, and verifiable statistics? Under Bush Dow hit an ALL TIME HIGH The US economy has grew for 52 consecutive quarters 5.1% Unemployment (94.6% of Americans have a job) Interest rates lowest since 1960’s Core Inflation 2% 8.4 MILLION JOBS CREATED after Clinton era recession began Financially recovered US economy from 9/11 attacks and corporate scandals Tax revenues increased by $100 BILLION after tax cuts Productivity at an all time high. Home ownership is at an all time high (even WITH the 2% foreclosures) . US GDP continues to grow (slowly, but NOT a recession)House Passes Tax Cut Retaining Lower Rates Signs largest energy bill in HISTORY 24 Million Afghans LIBERATED 27 Million Iraqis LIBERATED Free Elections in Afghanistan Free Elections in Iraq Democratically elected government in both countries IRAQ free of murderous dictator His two murderous sons killed Zarqawi Dead 75% of known AlQaeda leaders captured or killed Lybia hands over weapons without a shot being fired Pakistan, Saudi Arabia, and UAE now allies in fight against terrorism DRAGON: Educate yourself! There WAS NO SURPLUS. Clinton's "surplus was a 10 year PROJECTION to 2010 and included the Social Security fund's surplus in the calculation. I wont waste my time with the rest of your uneducated answers. Buy a book. Funny how liberals can only answer FACTS with emotional drivel. Its why they'll vote for a one tem senator with nothing more than the word "change". LOL! FACTS are like kryptonite to liberals

who is the best person to lead our country doing these tough economic times? please have an open mind and read these facts first! Barack Obama # can't do anything at home with $12 billion a month on Iraq. (Feb 2008) # Protect consumers with Credit Card Bill of Rights. (Feb 2008) # More accountability in subprime mortgages. (Feb 2008) # Bush stimulus plan leaves out seniors & unemployed. (Jan 2008) # Voted against limiting credit to 30%, because 30% too high. (Jan 2008) # Account for every single dollar for new proposed programs. (Jan 2008) # Help the homeowners actually living in their homes. (Jan 2008) # Bankruptcy bill pushed by banks &. (Jan 2008) # Lack of an energy policy is a financial burden. (Jan 2008) # Bush & GOP dug budget hole; need years to dig out. (Dec 2007) # Save $150 billion in tax cuts for people who don't need them. (Dec 2007) # Take China "to the mat" about currency manipulation. (Dec 2007) # Rejects free market vision of government. (Oct 2007) # Regulate financial instruments to protect home mortgages. (Aug 2007) # Government regulation needed for when markets fail. (Aug 2007) # Return to PayGo: compensate for all new spending. (Oct 2006) # Bush's economic policies are not working. (May 2004) # Supports federal programs to protect rural economy. (May 2004) # Voted NO on paying down federal debt by rating programs' effectiveness. (Mar 2007) # Voted NO on $40B in reduced federal overall spending. (Dec 2005) # Get minorities into home ownership & global marketplace. (Jan 2001) # Require full disclosure about subprime mortgages. (Dec 2007) # Reform mortgage rules to prevent foreclosure & bankruptcy. (Feb 2008) John McCain * These are tough times; we need changes; so keep taxes low. (Aug 2008) * Can't pass trillions of dollars of debt to our children. (Jul 2008) * GovWatch: Specified cuts are $10B, not $100B. (May 2008) * Bailing out Bear Stearns necessary to protect economy. (Apr 2008) * Key is to not to bail out homeowners who speculated. (Apr 2008) * Things are tough now, but we're better off than in 2000. (Jan 2008) * May have to go further to fix the subprime lending situation. (Jan 2008) * Recession is partly psychological and not inevitable. (Jan 2008) * I'm well-versed in economics; I was at the Reagan Revolution. (Jan 2008) * FactCheck: Said--then denied--he needed economics education. (Jan 2008) * Impose some fiscal discipline to revive the economy. (Jan 2008) * Will be able to reduce war costs & have a stable Middle East. (Jan 2008) * Reform insurance to cover violent weather patterns. (Jan 2008) * To avoid recession, stop out-of-control spending. (Jan 2008) * Loss of economic strength leads to losing military strength. (Dec 2007) * Republicans have forgotten how to control spending. (Nov 2007) * AdWatch: Outrageous to spend $233M for bridge to nowhere. (Nov 2007) * FactCheck:Bridge-to-Nowhere never built; would serve 200,000. (Nov 2007) * FactCheck: Criticized "Woodstock museum," but skipped vote. (Nov 2007) * Congress spends money like a drunken sailor. (May 2007) * Veto all pork-barrel bills and announce pork spenders. (May 2007) * Use veto power to reduce government spending. (Jan 2000) * Distribute surplus: 23% tax cuts; 62% Social Security. (Jan 2000) * $9B of pork in current budget bills; cut subsidies. (Oct 1999) * For Balanced Budget Amend., & off-budget Social Security. (Jul 1999) * List of budgetary spending priorities. (Jul 1998) * Supports Balanced Budget Amendment. (Jul 1998) * Apply surplus to Social Security, Medicare, tax cuts & debt. (Jul 1998) * Voted YES on $40B in reduced federal overall spending. (Dec 2005) * Voted NO on prioritizing national debt reduction below tax cuts. (Apr 2000) * Voted YES on 1998 GOP budget. (May 1997) * Voted YES on Balanced-budget constitutional amendment. (Mar 1997) * Maintain & enforce existing spending caps in the future. (Sep 1998) i got this info from www.ontheissues.org

Should the preamble to the constitution be changed to, "We the People, Inc."? Is this pretty much the view of most of the politicians on Capital Hill today? With American jobs being shipped overseas, cheap illegal labor allowed to cross the border, tax cuts aimed at corporations, free trade agreements, etc. all the focus of government has been on corporate America for several years. In the meantime issues like health reform languish in congress, and home foreclosure rates hit the highest levels since the Great Depression while corporate profits soar to new heights. Do you think we should go ahead and change the preamble to read as the government sees it, "We the People, Inc."

ACORN was given $1 million taxpayer dollars just a couple of weeks ago, from FEMA. What do you think of that? Just a few weeks ago, on September 4th, FEMA handed over $1 million to the ACORN Institute, an ACORN affiliate in New Orleans. The grant is for “fire prevention.” You can find the grant here http://www.firegrantsupport.com/fps/award/08/ . Virtually every other organization receiving “fire prevention” grants is a fire deparment or medical facility. Here’s some background on ACORN Institute: An affiliate of ACORN, the ACORN Institute, has been a participant in the IRS tax assistance program. The institute prides itself as a one-stop shopping service for low-income households seeking free benefits. In addition to tax preparation, it also provides information on how to secure government aid and to prevent mortgage foreclosure. Among the ACORN Institute’s partners are Citigroup, H&R Block and the Marguerite Casey Foundation. If even many Democrats in Congress are embarrassed by their history of support for ACORN, surely these entities can be as well. Unclear what any of that has to do with “fire prevention.” According to FEMA, anyone with questions about the grants is urged to contact them at 1-866-274-0960, or via email at firegrants@dhs.gov.

Do you know why Obamas budget has such a huge deficit? It's the economy stupid. Like more then 5 million out of work. That is just counting those that file unemployment. What about the ones who have fallen off that list? The uncounted. How about profits across the board for corporations and businesses have gone down? How about imports have gone down. How about consumers are cutting back? How about big ticket items have gone down? What about all the foreclosures? All of that means lost tax revenue. Then there is the increase in welfare, food stamps, medical care for those without insurance. Plus, regardless if it was a dem or repug stimulus bill, it would have resulted in a huge bill, no matter what party controlled it. I don't care if you are a free marketer, that is irrelevant now. Nor do I care if you are a Bush or Obama blamer, that is irrelevant too if you honestly think about it and use your common sense. I don't care if it was McCain who got the nod, or Obama, both would have faced a huge deficit, at the very least their first two years. Just how is America going to get back to work? Just how is America going to survive and come out on top? Just how in the hell are we going to keep funding our military and wars? Tell me, what is more important, fixing Iraq and Afghanistan, or fixing our own country? Why is Obama pulling out of one war and transferring that to our new Vietnam, or Soviet Union type retreat? Where can we cut back? What would be prudent? What should we increase? Were does it all stop? Who do we blame it on? Socialism and communism? Those that blame that really have no idea what either means. Free markets? Those that believe that will fix things do not understand human greed and power. Or should the blame be put on the government? How about deregulation? What about greed and the thirst for power? Our wars? Our politicians? The people and our thirst for shopping till we drop and maxing our our credit cards? 5% down on a new home we can't afford but government and credit carpet baggers pushed on us? Suv's and big screen TV's just so we can live in a little more comfort and status? Finally: Where does the money come from? Show me the frigging money! .

When does the lunacy stop? Hi I would like to know if I am the only one that feels this way. I am 57 years old worked hard and still do all my life. Been working for the same company over 34 years. I am a very hard worker but on salary which means some long hours no overtime, pay is the same. During these economical hard times I too find myself facing grave financially difficulties even though I have cut back to the bare bones on all. What is really bothering me now is the rabid rate at which Big Banks and Mortgage Companies are foreclosing on homes - it is now into the hundreds of thousands daily over the US and gaining rapid speed every day. These Big Banks and Mortgage Companies are outsourcing their foreclosures hence they are put into the hands of people that are clueless as to what proper procedures it takes to actually do foreclosures in the right way and manner and even legally. This has reached an epidemic level of great magnitude. Many many people have lost their jobs, and even trying to work with these Big Banks and Mortgage Companies they will not work with these hard working people trying their best to survive and to keep their home and yes there are some free loaders, but most are not, most are hard working people that have worked very hard all their lives for the so-called american dream to own their own home, and now are being lost due to foreclosures either some legally but a lot illegally. I understand that these Big Banks and Mortgage Companies have all and do get a tax write off as when they usually foreclose they turn around and sell the same home that they would not work with the previous owner but will foreclose and turn around and sell this same home at 30 - 50% loss. This has reached such an epidemic level and such a great magnitude and like I said it is snowballing totally out of control, would someone please explain to me when does this lunacy end, when does common decency and trying to help people begin? I mean surely to goodness there is only so much the government will allow these people to have in tax write offs or is that just unlimited and another way for our tax dollars to buy out these Big Banks and Mortgage Companies another bail out at guess who's expense the middle class of which it is our tax dollars that we work very hard for and some have worked very hard for and lost their jobs but yet we are being made to pay the price in bailing them out, losing out homes, losing our jobs, when and where does this lunacy stop? I mean think about it, at the magnitude this is going on now, there is not enough people that can buy these homes that are being foreclosed on as there are way too many and not enough people financially able to buy them even at the reduced rate. What are they trying to do and what are they hoping to accomplish? Are these homes just going to sit there and rot while hard working people have tried to save their homes and themselves and their families? Come on what is wrong with this picture? Anybody? Am I the only person that is very very angry about this situation and the government bail-outs for big corporations, but no help for the regular working person that all these bailouts is paid for by our hard earned tax dollars? Anybody?

What are your economy predictions for 2009? What can fix it? There are many variables to consider but here are some of my predictions. I think the economy will start to recover if: 1. The conflict in Iraq continues to wind down with no threat of moving into Pakistan or Iran. 2. Gasoline prices stay where they are now WITHOUT anymore drastic decline. 3. Detroit gets a minimal bailout with extremely heavy oversight written into the package. 4. Foreign debt is refinanced with foreign countries and daily borrowing from other countries placed under control. 5. Reasonable tariffs are placed on non-necessary imports such as Flat panel TVs, Foreign cars with US retail values of over 30,000 dollars, High-priced clothing, clothing who's companies cannot prove human rights standards are being met etc... 6. Obama's administration starts to lean on the banks part of the 700 Billion Bailout for documentation and receipts . 7. The government starts loaning money and giving tremendous tax breaks to business that produce material goods and imports in order to raise the value of the dollar. The economy will tank and start a depression before 2010 if: 1. We escalate into another war, this will lead to a ungodly increase in borrowing from foreign governments (who just might say No at this point). 2. Detroit does not get anything and collapses 3. The 700 Billion bailout banks continue to freeze credit lines, fake network/server outages and do not account for the spending they did after the bailout 4. Gas prices plummet to a nationwide average below 1.25 a gallon. 5. More foreclosures because of unemployment (people who are homeless tend to have a harder time looking for work AND certain ahole employers ironically look down on the homeless when they come in looking for a job) -- vicious cycle. 6. Obama starts giving away free money that 100 million morons spend on the latest gadgets and sweatshop sneakers from Asia. 7. Obama does not practice SMART social spending. 8. Americans don't start sacrificing 9. Americans continue to whine about the economy but still spend on bullsh*t because "I worked for my money, I'll spend it on whatever I damn well please"

Obama or McCain? Why? Be specific. Use Sources.Intelligent conversation only. No lies or Manipulation of facts? Ex. I support Obama because.. I want a president who can make us proud as Americans. How great would it be after 7 and ½ years to have an articulate leader, an eloquent speaker, one who is not only willing to talk, but to listen? I believe Obama will be that kind of president. Plus, he has a sense of humor. He has two young daughters and a working wife. He's smart. And let's not forget the magic. Nothing wrong with having the ability to connect with people around the world --young, old, and in-between. In some ways an election is like life – a lot of muck comes your way. It’s hard sometimes to slog through it. It’s exhausting. It can be scary. You can feel like you’re drowning in it. You’ve got to work hard to pull yourself up and out of it, then to rise above it. We need a leader who can help us do that. That's why I'm supporting Barack Obama. All I ask is that you make an informed decision. It's about the issues. It's about health care, the economy, education, the environment, a woman's right to choose, equal pay for equal work -- it's about who will be appointed to the Supreme Court, and it's about never rushing into war again - not without all the facts, not without trying everything we can to prevent war first. This election is too important for all of us to decide in any other way. Economy... the number 1 issue! * Can't do anything at home with $12 billion a month on Iraq. (Feb 2008) * Protect consumers with Credit Card Bill of Rights. (Feb 2008) * More accountability in subprime mortgages. (Feb 2008) * Bush stimulus plan leaves out seniors & unemployed. (Jan 2008) * Voted against limiting credit to 30%, because 30% too high. (Jan 2008) * Account for every single dollar for new proposed programs. (Jan 2008) * Help the homeowners actually living in their homes. (Jan 2008) * Bankruptcy bill pushed by banks &. (Jan 2008) * Lack of an energy policy is a financial burden. (Jan 2008) * Bush & GOP dug budget hole; need years to dig out. (Dec 2007) * Save $150 billion in tax cuts for people who don't need them. (Dec 2007) * Take China "to the mat" about currency manipulation. (Dec 2007) * Rejects free market vision of government. (Oct 2007) * Regulate financial instruments to protect home mortgages. (Aug 2007) * Government regulation needed for when markets fail. (Aug 2007) * Return to PayGo: compensate for all new spending. (Oct 2006) * Bush's economic policies are not working. (May 2004) * Supports federal programs to protect rural economy. (May 2004) * Voted NO on paying down federal debt by rating programs' effectiveness. (Mar 2007) * Voted NO on $40B in reduced federal overall spending. (Dec 2005) * Get minorities into home ownership & global marketplace. (Jan 2001) * Require full disclosure about subprime mortgages. (Dec 2007) * Reform mortgage rules to prevent foreclosure & bankruptcy. (Feb 2008)

Would it be bad to have a Separate State of America? Would it be bad to have a Separate State of America? Think about this... I mean REALLY think about it. I'm a man who is sick and tired of all the paperwork and red tape. (Try being audited) I hate that we live in a system where our money has absolutely no value, but instead is an accumulation of debt. ( http://www.commondreams.org/view/2009/04… ) I hate that this country spends countless Billions on entertainment when those billions could be invested in agricultural development. ( http://sports.espn.go.com/nfl/playoffs05… http://www.kob.com/article/stories/S1372… ) I hate that the Banks, which obviously failed us in the past, were granted Billions of dollars just to stay around to make the same mistakes. ( http://money.cnn.com/news/storysupplemen… ) I hate that money is a Necessary Evil. I hate that we send troops to foreign lands just to perpetuate a senseless war that no one knows anything about, other than the obvious notion that it is driven by greed. (Seriously, are we there to protect the people of Afghanistan and Iraq? I've spoken with people from both countries, as well as Iran and Syria, and they all hate the American Occupation. We're not the law. We shouldn't still be there.) http://www.antiwar.com/quotes.php I hate that this country is so dependent on oil and burning fossil fuels. ( http://www.pickensplan.com/theplan/ ) I hate that there is so much intolerance in this country, I hate that we're in an economic/technological stalemate. Why haven't we become the great futuristic society we dreamt of when we were kids? Why is it 'equal rights' to give grants to someone for being black, but it's 'racist' to give grants to someone for being white? Why do we constantly put our efforts forth where it's not needed? Why is Marijuana illegal but we elect a president who had a Cocaine problem? Why are lobbyists legal but paying off a cop to prevent getting a ticket is bribery? Why is it completely ok to invest in the stock market, but it's only legal to gamble in certain areas? Why do corporations constantly look for new ways to promote 'Disposable' items? Why do we allow a president, George Bush Jr., to steal the seat in one term and actually elect him the next go-around when his only opposition was his cousin, John Kerry. ( http://www.cbsnews.com/stories/2004/03/0… ) Why do we blindly follow political parties rather than listen to the opinions of the presidential candidate? Why do most people vote on only 1 of 2 parties? Why do some Government officials, like the President, make millions of dollars a year when other Government officials like the Mailman, make so much less? I think everyone in the government should have an equal paycheck since they are in that position to serve the American Public. I have no definitive answers to any of these, (I believe to be), valid questions. It is so difficult to live in today's America. If I propose this to any average person, they simply say, "Welcome to the real world." THE REAL WORLD SHOULD NOT HAVE TO BE DIFFICULT AND CONFUSING!!! Where does it say that the world has to follow this ridiculous systematic existence, where things are frequently placed before us to slow us down? Why do we have to pay income tax when there is no law to justify this enforcement? http://www.devvy.com/notax.html Would it really be un-Patriotic to leave the United States of America to form a society free of America's modern views? What if everyone who was of like-mind were to move someplace where electricity was powered by wind turbines and solar paneled rooftops? What if everyone had a garden in their back yard? What if you weren't arrested for smoking a plant? What if you didn't have to pay some IRS agent an arbitrary amount of money because they say you owe them? What if you didn’t have to worry about foreclosures on your house and car because you’re not making enough money in today’s economy? What if you didn't have to pay anyone ever again? What if entertainment were non-profit and was an industry that only did one thing--entertain? What if we had a Government that took care of Health care, Education and Defense and didn't drain our pockets for some corporate executives who skim off the top? What if money no longer existed but instead turned into a trade/barter system that was dependent on tangible goods, as opposed to worthless sheets of paper and round metal disks with no real value. Why can't we live in a system that actually teaches our children instead of shipping them off to a horrible prison to spend 8 hours a day amidst teachers who don't care, standardized testing that prove the students don't retain their knowledge, and permit brutality among peers? Why can't it be enough that anyone who wants to learn something can just open a book and learn about it? Why do we have to pay thousands upon thousands of dollars to get a college degree, a certificate that proves you were able to retain just enough to pass their standardized tests, when a colleg Why do we have to pay thousands upon thousands of dollars to get a college degree, a certificate that proves you were able to retain just enough to pass their standardized tests, when a college degree is nothing more than an expensive sheet of paper that says nothing about the quality of the bearer of said certificate? There are people who live in the box, people who choose to live outside the box, and people that don't fit in either category. I want a separate state for us. Is this wrong? Didn't the pilgrims do this to escape religious persecution? Doesn't it say under the American Constitution, 'Life, Liberty and the Pursuit of Happiness'? People have told me, 'If you're not happy, leave.' if I could restart my own nation with the basic principles of the U.S. Constitution, I would. Am I alone in this dream? Is it too late for the United States to reform back to a true democracy with true equal rights for all?

Is Goldman Sachs really any greedier than the mortgage applicants it dealt with? The government's civil-fraud allegation against Goldman Sachs centers on a deal the firm crafted so that hedge-fund king John Paulson could bet on a collapse in U.S. housing prices. It all boiled down to whether millions of people like Stella Onyeukwu could pay her mortgage. She couldn't and Mr. Paulson made $1 billion on his bet as a result. Stella, a nursing home assistant/child care owner made pretax income of $9,000 a month. She was having a hard time making the $5,000 a month payments on her $688,000 mortgage on her 6 bedroom house. You read that right, six bedrooms. Already having money problems she applied for a second mortgage of $787,000 with a monthly payment of $5,000 set at 7.5% - 13.5% in 2 years. She ended up with $10,000 a month in mortgages on $9,000 a month income. She's one of 500,00 mortgages that ended up in foreclosure. My question is who's the real villain in this scenario, Goldman Sachs and John Paulson who were greedy and unethical or the 500,000 homeowners like Stella who made $108,000 a year before taxes and of her own free will chose to carry $120,000 per year of mortgage debt on a 6 bedroom home? I realize many people were scammed and misled but they all had to know they'd have more money going out than coming in and if they could handle the monthly payment. So who's willing to chip in their tax dollars and help Stella and her 500,000 friends?

Cadidate X or Candidate Y? Candidate X Promises and Plans: 1.)Establish a $10 billion Foreclosure Prevention Fund 2.)Provide $10 billion in Relief for State and Local Governments 3.)Hardest-Hit by the Housing Crisis to Prevent Cuts in Vital Services. 4.)Extend and Expand Unemployment Insurance 5.)Provide a Tax Cut for Working Families 6.)Eliminate Income Taxes for Seniors Making Less than $50,000 7.)Simplify Tax Filings for Middle Class Americans 8.)Fight for Fair Trade 9.)Amend the North American Free Trade Agreement 10.)Improve Transition Assistance 11.)Invest in our Next Generation Innovators and Job Creators 12.)Double Funding for the Manufacturing Extension Partnership 13.)Invest In A Clean Energy Economy And Create 5 Million New Green Jobs 14.)Create New Job Training Programs for Clean Technologies 15.)Boost the Renewable Energy Sector and Create New Jobs 16.)Create a National Infrastructure Reinvestment Bank 17.)Invest in the Sciences 18.)Make the Research and Development Tax Credit Permanent 19.)Deploy Next-Generation Broadband 20.)Provide Tax Relief for Small Businesses and Start Up Companies 21.)Create a National Network of Public-Private Business Incubators 22.)Ensure Freedom to Unionize 23.)Fight Attacks on Workers' Right to Organize 24.)Protect Striking Workers 25.)Raise the Minimum Wage 26.)Protect Homeownership and Crack Down on Mortgage Fraud 27.)Address Predatory Credit Card Practices 28.)Reform Bankruptcy Laws 29.)Work/Family Balance 30.)Expand High-Quality Afterschool Opportunities Candidate Y Promises and Plans: 1.)Workplace Flexibility 2.)Relief for Families 3.)Government Reform 4.)Supporting Small Businesses 5.)Cheap and Clean Energy 6.)Better Healthcare 7.)Simpler and Fairer Taxes 8.)Lower Barriers to Trade 9.)Expanding Domestic Oil And Natural Gas Exploration And Production 10.)Taking Action Now To Break Our Dependency On Foreign Oil By Reforming Our Transportation Sector 11.)Investing In Clean, Alternative Sources Of Energy 12.)Protecting Our Environment And Addressing Climate Change: A Sound Energy Strategy Must Include A Solid Environmental Foundation 13.)Promoting Energy Efficiency 14.)Addressing Speculative Pricing Of Oil 15.)DC Personal Protection 16.)The Confiscation of Firearms After an Emergency 17.)Cut The Corporate Tax Rate From 35 To 25 Percent 18.)Seal the Pork Barrel 19.)Stop the Revolving Door and Restore Ethics 20.)Democracy is Not for Sale 21.)Excellence, Choice, and Competition in American Education 22.)Comprehensive Immigration Initiatives for a Secure Nation

How about this for a stimulus bill? I have an idea for a new stimulus plan.. It may be stupid, but I'm just a guy with a high school education so there are undoubtedly things I didn't think about. 1. Reclaim 100% (With interest) of the money that was paid during the bailout from the banks and automotive manufacturers. -Based on the census numbers from 1996 (it was as current as I could find), it was estimated there would be 114 million households in 2010. So, in the interest of estimating high, I'll say there are 120 million now. http://www.census.gov/prod/1/pop/p25-1129.pdf 2. Take the money reclaimed and create a one-time credit of $100,000 per HOUSEHOLD of taxpayers and dependents. Yes, I understand that this would equal $12 Trillion. -Each household would mean that even though there may be 3 or more actual taxpayers in the household, the credit would be for that single residence. -The determination would be based on current physical address that must be verified by proof of recent bank accounts and bills.... we all know the drill. -This credit would not be issued as a tax credit or cash. It would have to be filed as a claim to a state office where all of the documentation is reviewed and processed. (This could create temp jobs too.) The credit would be used only to pay off EXISTING credit accounts, car loans, mortgage payments, and other outstanding debt held by members of the household. -The credit would be equally divided among members of the household or however the members of the household agree. Only ONE claim package will be accepted per household and if multiple are found, then it will be set aside for assessment. -Should the household not need all $100k, the remaining may be applied to the purchase of a home or split equally among the members of the household and put in their social security fund. Members of the household will not be required to use the full $100k. -Claims for credit used to purchase a new home must be spent on a home that is on a foreclosure listing and must be used as a primary residence of at least one member of the household for no less than 5 years. Member must be 18 years of age or older and a taxpayer. 3. Members of a household submit a claim for this credit must agree to forfeit any Federal Tax Refunds for the term of 10 years, or until the amount of cummulitive refunds forfeited excedes the amount credited. Whichever happens first. -Members of a household that make a claim will not be entitled to Earned Income Credit during any year that a refund is forfeited. -Members that move from one household to another will still be required to fulfill the tax liability agreed to at the time the credit is issued. -Itemized deductions, and standard tax credits will still be allowed when filing taxes to determine whether or not taxes are due. There's a lot more that can be included as this is just the basic idea. The details could be hashed out later. I believe that even though there will be fraud with a program like this, it will still accomplish the following: 1. Taxpayers will be able to free themselves of excessive debts. 2. Financial institutions will not falter as they will receive the money used to pay off the debts without significant government regulation, but will have to understand that they will be allowed to fail later. 3. The national debt will be reduced in a more timely manner without significant hardships placed on taxpayers. Furthermore, there will be less need for tax increases once the number of refunds has been reduced to a smaller percentage. I'm not sure that this idea is great, but it was just an idea and I'd like to see what people really think about. So, how about it??? Thank you all so far for your inputs. Like I said, I'm a guy with a high school education, not a master in finance or anything and this was just a thought. To be more detailed about the tax repayment part, as an example, my family received approximately $5k last year in tax refunds that was OVER what we actually paid. (Not that I minded Uncle Sam handing us the money) I actually had to ask our tax preparer to get a supervisor to recheck the numbers because our refund equalled just over $10k between state and federal. My wife and I had total income of just over $36k the year before. So, that being the case, how many other families received just as much in refunds last year? With my idea, NOBODY will get refunded more than paid into taxes even if they don't take the $100k. Part II So, subtract 50% from the total population of the US,http://www.census.gov/population/www/popclockus.html, Multiply that by $100 and then Multiply that again by 10 years... Dividing the population by 50% is just by uneducated estimate of non-tax paying persons that include children, illegal immigrants, and persons that would get nearly everything back in taxes. The purpose of a program like this would be 1. Clear consumer debt without killing the companies that own the debt. 2. Give conusmers the ability to spend more on things that they need. And 3. Create a handful a jobs. Yes, there will be fraud. But no worse than there is right now. If the banks and everyone have paid off the loans we gave them... well, then this idea is completely dead anyway. Again, thanks for the input. I'm definately not an economist so I was sure there was going to be a lot of "holes" in this idea.

is the next bailout unfair? Do you think this is fair? [text below of the email I just sent to my US Senator] Dear Senator: It is unfair to bailout the banks that made bad loans unless the country receives compensation similar to the AIG case -- 11.35% interest and an 80% voting preferred stock interest in the firm and the right to replace the managers. Sauce for the goose is sauce for the gander. Some in Congress may claim that if we bail out the banks, we also have to bailout the borrowers on these bad loans. That would also be unfair. It would be unfair to everyone who doesn't have such a loan. This includes every renter in Miami who couldn't buy a house or wouldn't lie to do so. It includes every senior citizen who owns her home free and clear. It includes every citizen in places where home prices never got out of hand and so their payments never became excessive. And it includes everyone who already lost that house to foreclosure. In short, bailing out the home buyers would be unfair to the majority of Americans. Either our taxes or inflation would go up to pay for their mistakes. And it wouldn't even fix the housing markets. Housing markets won't be fixed until prices come down enough that ordinary workers in places like Miami can afford to buy a house. That hasn't happened yet and if America subsidizes all these over priced houses, it won't happen for many more years. Here's what would be fair if politics says we have to bailout home buyers -- every American gets the same treatment once in their lifetime. We cap the amount of the bailout at some figure, say 20% of the price of the house, and then every American gets the same benefit -- the government pays 20% of the cost of them buying a house. [It would be like getting a free down payment.] Somewhat obviously, they'd have to properly qualify for the remaining loan on the house and this would limit the size and cost they could afford. Senior citizens who own their home outright could trade their benefit for either a lifetime benefit paying 20% of their property taxes, insurance, and upkeep, or a cash payment equal to 20% of the tax assessor's 2007 value on their property. We need you to fight for fairness in this whole mess because it sure looks like America is about to reward only a select few for taking foolish risks. thank you for your time today and for representing the interests of the majority of Americans, and Floridians, in this matter. Best regards, [MBA/CPA. I began working in banking in 1970 and have seen repeated real estate lending booms and busts. This may be the worst one of a long string of them, although I can't remember the one during the Great Depression.] Please add Stars [Interesting] if you'd like other people to see and comment on this issue. Thx

Does this change your thoughts? This email comes in three parts: Part 1 In just over a year. Remember the election in 2006? Thought you might like to read the following: A little over one year ago: 1) Consumer confidence stood at a 2 1/2 year high; 2) Regular gasoline sold for $2.19 a gallon; 3) The unemployment rate was 4.5%. Since voting in a Democratic Congress in 2006 we have seen: 1) Consumer confidence plummet; 2) The cost of regular gasoline soar to over $3.50 a gallon; 3) Unemployment is up to 5% (a 10% increase); b 4) American households have seen $2.3 trillion in equity value evaporate (stock and mutual fund losses); 5) Americans have seen their home equity drop by $1.2 trillion dollars; 6) 1% of American homes are in foreclosure. America voted for change in 2006, and we got it! Remember, it's Congress that makes law not the President. He has to work with what's handed to him. Part 2: Taxes...Whether Democrat or a Republican you will find these statistics enlightening and amazing. www.taxfoundation.org/publications/show/151.html Taxes under Clinton Taxes under Bush 2008 Single making 30K - tax $8,400 Single making 30K - tax $4,500 Single making 50K - tax $14,000 Single making 50K - tax $12,500 Single making 75K - tax $23,250 Single making 75K - tax $18,750 Married making 60K - tax $16,800 Married making 60K- tax $9,000 Married making 75K - tax $21,000 Married making 75K - tax $18,750 Married making 125K - tax $38,750 Married making 125K - tax $31,250 Both democratic candidates will return to the higher tax rates It is amazing how many people that fall into the categories above think Bush is screwing them and Bill Clinton was the greatest President ever. If Obama or Hillary are elected, they both say they will repeal the Bush tax cuts and a good portion of the people that fall into the categories above can't wait for it to happen. This is like the movie, The Sting with Paul Newman; you scam somebody out of some money and they don't even know what happened. PART 3: You think the war in Iraq is costing us too much? Read this: Boy, am I confused. I have been hammered with the propaganda that it is the Iraq war and the war on terror that is bankrupting us. I now find that to be RIDICULOUS. I hope the following 14 reasons are forwarded over and over again until they are read so many times that the reader gets sick of reading them. I have included the URL's for verification of all the following facts. 1. $11 Billion to $22 billion is spent on welfare to illegal aliens each year by state governments. Verify at: http://tinyurl.com/zob77 2. $2.2 Billion dollars a year is spent on food assistance programs such as food stamps, WIC, and free school lunches for illegal aliens. verify at: http://www.cis..org/articles/2004/fiscalexec.html 3. $2.5 Billion dollars a year is spent on Medicaid for illegal aliens. Verify at: http://www.cis..org/articles/2004/fiscalexec.html 4. $12 Billion dollars a year is spent on primary and secondary school education for children here illegally and they cannot speak a word of English! verify at: http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.0.html 5. $17 Billion dollars a year is spent for education for the American-born children of illegal aliens, known as anchor babies. Verify at http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.01.html 6. $3 Million Dollars a DAY is spent to incarcerate illegal aliens. Verify at: http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.01.html 7. 30% percent of all Federal Prison inmates are illegal aliens. Verify at: http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.01.html 8. $90 Billion Dollars a year is spent on illegal aliens for Welfare & social services by the American taxpayers. Verify at: http://premium.cnn.com/TRANSCIPTS/0610/29/ldt.01.html 9. $200 Billion Dollars a year in suppressed American wages are caused by the illegal aliens. Verify at: http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.01.html 10. The illegal aliens in the United States have a crime rate that's two and a half times that of white non-illegal aliens. In particular, their children, are going to make a huge additional crime problem in the US . Verify at: http://transcripts.cnn.com/TRANSCRIPTS/0606/12/ldt.01.html 11. During the year of 2005 there were 4 to 10 MILLION illegal aliens that crossed our Southern Border; also, as many as 19,500 illegal aliens from Terrorist Countries. Millions of pounds of drugs, cocaine, meth, heroin and marijuana, crossed into the U. S from the Southern border. Verify at: Homeland Security Report: http://tinyurl.com/t9sht 12. The National Policy Institute, 'estimated that the total cost of mass deportation would be between $206 and $230 billion or an average cost of between $41 and $46 billion annually over a five year period.' Verify at: http://www.nationalpolicyinstitute.org/pdf/deportation.pdf 13. In 2006 illegal aliens sent home $45 BILLION in remittances back to their countries of origin. Verify at: http://www.rense.com/general75/niht.htm 14. 'The Dark Side of Illegal Immigration: Nearly One Million Sex Crimes Committed by Illegal Immigrants In The United States .' Verify at: http://www.drdsk.com/articleshtml The total cost is a whopping $338.3 BILLION DOLLARS A YEAR. Are we THAT stupid? If this doesn't bother you then just delete the message. If, on the other hand, it does raise the hair on the back of your neck, I hope you forward it to every legal resident in the country including every representative in Washington , D.C. - five times a week for as long as it takes to restore some semblance of intelligence in our policies and enforcement thereof.

Is this true? What say you? Remember the election in 2006? Thought you might like to read the following…… A little over one year ago: 1) Consumer confidence stood at a 2 1/2 year high; 2) Regular gasoline sold for $2.19 a gallon; 3) The unemployment rate was 4.5%. Since voting in a Democratically controlled Congress in 2006 we have seen: 1) Consumer confidence plummet; 2) The cost of regular gasoline soar to over $3.50 a gallon; 3) Unemployment is up to 5% (a 10% increase); 4) American households have seen $2.3 trillion in equity value evaporate (stock and mutual fund losses); 5) Americans have seen their home equity drop by $1.2 trillion dollars; 6) 1% of American homes are in foreclosure. America voted for "change" in 2006, and we got it! Remember, it's Congress that makes the law…not the President. He has to work with what's handed him. Quote of the Day: "My friends, we live in the greatest nation in the history of the world. I hope you'll join with me as we try to change it." — Barack Obama PART 2: Taxes. Whether Democrat or a Republican you will find these statistics enlightening and amazing. www.taxfoundation.org/publications/show/151.html Taxes under Clinton 1999 Taxes under Bush 2008 Single making 30K - tax $8,400 Single making 30K - tax $4,500 Single making 50K - tax $14,000 Single making 50K - tax $12,500 Single making 75K - tax $23,250 Single making 75K - tax $18,750 Married making 60K - tax $16,800 Married making 60K- tax $9,000 Married making 75K - tax $21,000 Married making 75K - tax $18,750 Married making 125K - tax $38,750 Married making 125K - tax $31,250 Both democrat candidates will return to the higher tax rates. It is amazing how many people who fall into the categories above think Bush is screwing them and Bill Clinton was the greatest President ever. If Obama or Hillary are elected, they both say they will repeal the Bush tax cuts and a good portion of the people who fall into the categories above can't wait for it to happen. This is like the movie The Sting with Paul Newman; you scam somebody out of some money and they don't even know what happened. PART 3: You think the war in Iraq is costing us too much? Read this……… Boy am I confused. I have been hammered with propaganda that it's the "Iraq War" and the "War on Terror" that is bankrupting us. I now find that to be RIDICULOUS. I hope the following 14 reasons are forwarded over and over again until they are read so many times that the reader gets sick of reading them. I have included the URLs for verification of all the following facts: 1. $11 billion to $22 billion is spent on welfare to illegal aliens each year by state governments. Verify at: http://tinyurl.com/zob77 2. $2.2 billion dollars a year is spent on food assistance programs such as food stamps, WIC, and free school lunches for illegal aliens. Verify at: http://www.cis.org/articles/2004/fiscalexec.html 3. $2.5 billion dollars a year is spent on Medicaid for illegal aliens. Verify at: http://www.cis.org/articles/2004/fiscalexec.html 4. $12 billion dollars a year is spent on primary and secondary school education for children here illegally and they cannot speak a word of English! Verify at: http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.0.html 5. $17 billion dollars a year is spent for education for the American-born children of illegal aliens, known as anchor babies. Verify at http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.01.html 6. $3 Million dollars a DAY is spent to incarcerate illegal aliens. Verify at: http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.01.html 7. 30% percent of all Federal Prison inmates are illegal aliens. Verify at: http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.01.htm 8. $90 billion dollars a year is spent on illegal aliens for Welfare & social services by the American taxpayers. Verify at: http://premium.cnn.com/TRANSCIPTS/0610/29/ldt.01.html 9. $200 billion dollars a year in suppressed American wages are caused by illegal aliens. Verify at: http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.01.html 10. The illegal aliens in the United States have a crime rate that's two and a half times that of white non-illegal aliens. In particular, their children, are going to make a huge additional crime problem in the US. Verify at: http://transcripts.cnn.com/TRANSCRIPTS/0606/12/ldt.01.html 11. During the year of 2005 there were 4 to 10 MILLION illegal aliens that crossed our Southern Border also, as many as 19,500 illegal aliens from Terrorist Countries. Millions of pounds of drugs, cocaine, meth, heroin and marijuana, crossed into the U. S from the Southern border. Verify at: Homeland Security Report: http://tinyurl.com/t9sht 12. The National Policy Institute, "estimated that the total cost of mass deportation would be between $206 and $230 billion or an average cost of between $41 and $46 billion annually over a five year period." Verify at: http://www.nationalpolicyinstitute.org/pdf/deportation.pdf 13. In 2006 illegal aliens sent home $45 BILLION in remittances back to their countries of origin. Verify at: http://www.rense.com/general75/niht.htm 14. "The Dark Side of Illegal Immigration: Nearly One Million Sex Crimes is Committed By Illegal Immigrants In The United States" Verify at: http://www.drdsk.com/articleshtml The total cost is a whopping $338.3 BILLION DOLLARS A YEAR!!

If everyone Understood this would Obama Or cHillary have a chance of getting in? In Just one year - - - This email comes in three parts: Part 1 In just one year. Remember the election in 2006? Thought you might like to read the following: A little over one year ago: 1) Consumer confidence stood at a 2 1/2 year high; 2) Regular gasoline sold for $2.19 a gallon; 3) The unemployment rate was 4.5%. Since voting in a Democratic Congress in 2006 we have seen: 1) Consumer confidence plummet; 2) The cost of regular gasoline soar to over $3.50 a gallon; 3) Unemployment is up to 5% (a 10% increase); 4) American households have seen $2.3 trillion in equity value evaporate (stock and mutual fund losses); 5) Americans have seen their home equity drop by $1.2 trillion dollars; 6) 1% of American homes are in foreclosure. America voted for change in 2006, and we got it! Remember, it's Congress that makes law not the President. He has to work with what's handed to him. Quote of the Day........"My friends, we live in the greatest nation in the history of the world. I hope you'll join with me as we try to change it." -- Barack Obama Part 2: Taxes...Whether Democrat or a Republican you will find these statistics enlightening and amazing. www.taxfoundation.org/publications/show/151.html Taxes under Clinton Taxes under Bush 2008 Single making 30K - tax $8,400 Single making 30K - tax $4,500 Single making 50K - tax $14,000 Single making 50K - tax $12,500 Single making 75K - tax $23,250 Single making 75K - tax $18,750 Married making 60K - tax $16,800 Married making 60K- tax $9,000 Married making 75K - tax $21,000 Married making 75K - tax $18,750 Married making 125K - tax $38,750 Married making 125K - tax $31,250 Both democratic candidates will return to the higher tax rates It is amazing how many people that fall into the categories above think Bush is screwing them and Bill Clinton was the greatest President ever. If Obama or Hillary are elected, they both say they will repeal the Bush tax cuts and a good portion of the people that fall into the categories above can't wait for it to happen. This is like the movie, The Sting with Paul Newman; you scam somebody out of some money and they don't even know what happened. PART 3: You think the war in Iraq is costing us too much? Read this: Boy, am I confused. I have been hammered with the propaganda that it is the Iraq war and the war on terror that is bankrupting us. I now find that to be RIDICULOUS. I hope the following 14 reasons are forwarded over and over again until they are read so many times that the reader gets sick of reading them. I have included the URL's for verification of all the following facts. 1. $11 Billion to $22 billion is spent on welfare to illegal aliens each year by state governments. Verify at: http://tinyurl.com/zob77 2. $2.2 Billion dollars a year is spent on food assistance programs such as food stamps, WIC, and free school lunches for illegal aliens. verify at: http://www.cis..org/articles/2004/fiscalexec.html 3. $2.5 Billion dollars a year is spent on Medicaid for illegal aliens. Verify at: http://www.cis..org/articles/2004/fiscalexec.html 4. $12 Billion dollars a year is spent on primary and secondary school education for children here illegally and they cannot speak a word of English! verify at: http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.0.html 5. $17 Billion dollars a year is spent for education for the American-born children of illegal aliens, known as anchor babies. Verify at http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.01.html 6. $3 Million Dollars a DAY is spent to incarcerate illegal aliens. Verify at: http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.01.html 7. 30% percent of all Federal Prison inmates are illegal aliens. Verify at: http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.01.html 8. $90 Billion Dollars a year is spent on illegal aliens for Welfare & social services by the American taxpayers. Verify at: http://premium.cnn.com/TRANSCIPTS/0610/29/ldt.01.html 9. $200 Billion Dollars a year in suppressed American wages are caused by the illegal aliens. Verify at: http://transcripts.cnn.com/TRANSCRIPTS/0604/01/ldt.01.html 10. The illegal aliens in the United States have a crime rate that's two and a half times that of white non-illegal aliens. In particular, their children, are going to make a huge additional crime problem in the US. Verify at: http://transcripts.cnn.com/TRANSCRIPTS/0606/12/ldt.01.html 11. During the year of 2005 there were 4 to 10 MILLION illegal aliens that crossed our Southern Border; also, as many as 19,500 illegal aliens from Terrorist Countries. Millions of pounds of drugs, cocaine, meth, heroin and marijuana, crossed into the U. S from the Southern border. Verify at: Homeland Security Report: http://tinyurl.com/t9sht 12. The National Policy Institute, "estimated that the total cost of mass deportation would be between $206 and $230 billion or an average cost of between $41 and $46 billion annually over a five year period." Verify at: http://www.nationalpolicyinstitute.org/pdf/deportation.pdf 13. In 2006 illegal aliens sent home $45 BILLION in remittances back to their countries of origin. Verify at: http://www.rense.com/general75/niht.htm 14. "The Dark Side of Illegal Immigration: Nearly One Million Sex Crimes Committed by Illegal Immigrants In The United States." Verify at: http://www.drdsk.com/articleshtml The total cost is a whopping $338.3 BILLION DOLLARS A YEAR. Are we THAT stupid? If this does raise the hair on the back of your neck, I hope you forward it to every legal resident in the country including every representative in Washington, D.C. - five times a week for as long as it takes to restore some semblance of intelligence in our policies and enforcement thereof.

Obama Voters what do you think about these Facts? In just two years. Remember the election in 2006? Thought you might like to read the following: A little over one year ago: 1) Consumer confidence stood at a 2 1/2 year high; 2) Regular gasoline sold for $2.19 a gallon; 3) The unemployment rate was 4.5%. Since voting in a Democratic Congress in 2006 we have seen: 1) Consumer confidence plummet; 2) The cost of regular gasoline soar to over $4.00 a gallon; 3) Unemployment is up to 5% (a 10% increase); 4) American households have seen $2.3 trillion in equity value evaporate (stock and mutual fund losses); 5) Americans have seen their home equity drop by $1.2 trillion dollars; 6) 1% of American homes are in foreclosure. America voted for change in 2006, and we got it! Remember it's Congress that makes law not the President. He has to work with what's handed to him. Quote of the Day...'My friends, we live in the greatest nation in the history of the world. I hope you'll join with me as we try to change it.' -- Barack Obama (Since we are the greatest nation in the history of the world, why is he looking to change it?) Part 2 Taxes...Whether Democrat or a Republican you will find these statistics enlightening and amazing. Taxes under Clinton 1999 Taxes under Bush 2008 Single making 30K - tax $8,400 Single making 30K - tax $4,500 Single making 50K - tax $14,000 Single making 50K - tax $12,500 Single making 75K - tax $23,250 Single making 75K - tax $18,750 Married making 60K - tax $16,800 Married making 60K- tax $9,000 Married making 75K - tax $21,000 Married making 75K - tax $18,750 Married making 125K - tax $38,7 50 Married making 125K - tax $31,250 Verify at: www.taxfoundation.org/publications/show/151.HTML The Democratic candidate will return to the higher tax rates. It is amazing how many people that fall into the categories above think Bush is screwing them and Bill Clinton was the greatest President ever. If Obama is elected, he said he will repeal the Bush tax cuts and a good portion of the people that fall into the categories above can't wait for it to happen. This is like the movie The Sting with Paul Newman; you scam somebody out of some money and they don't even know what happened. Part 3 You think the war in Iraq is costing us too much? Read this: Boy, am I confused. I have been hammered with the propaganda that it is the Iraq war and the war on terror that is bankrupting us. I now find that to be RIDICULOUS. I hope the following 14 reasons are forwarded over and over again until they are read so many times that the reader gets sick of reading them. I have included the URL's for verification of all the following facts. 1. $11 to $22 billion is spent on welfare to illegal aliens each year by state governments. Verify at: http://tinyurl.com/zob77 2. $2.2 Billion dollars a year is spent on food assistance programs such as food stamps, WIC, and free school lunches for illegal aliens. 3. $2.5 Billion dollars a year is spent on Medicaid for illegal aliens. Verify 2 & 3 at: http://www.cis..org/articles/2004/fiscalexec.html 4. $12 Billion dollars a year is spent on primary and secondary school education for children here illegally and they cannot speak a word of English! 5. $17 Billion dollars a year is spent for education for the American-born children of illegal aliens, known as anchor babies. 6. $3 Million Dollars a DAY is spent to incarcerate illegal aliens. 7. 30% percent of all Federal Prison inmates are illegal aliens. 8. $90 Billion Dollars a year is spent on illegal aliens for Welfare & Social Services by the American taxpayers. Verify at: http://premium.cnn.com/TRANSRCIPTS/0610/29/ldt.01.html< /SPAN> 9. $200 Billion Dollars a year in suppressed American wages are caused by the illegal aliens. 10. The illegal aliens in the United States have a crime rate that's two and a half times that of white non-illegal aliens. In particular, their children are going to make a huge additional crime problem in the US . Verify 4,5,6,7,& 9 10 at: http://transcripts.cnn.com/TRANSCRIPTS/0606/12/ldt.01.html 11. During the year of 2005 there were 4 to 10 MILLION illegal aliens that crossed our Southern Border also, as many as 19,500 illegal aliens from Terrorist Countries. Millions of pounds of drugs, cocaine, meth, heroin and marijuana, crossed into the U. S from the Southern border. Verify at: Homeland Security Report: http://tinyurl.com/t9sht 12. The National Policy Institute, 'estimated that the total cost of mass deportation would be between $206 and $230 billion or an average cost of between $41 and $46 billion annually over a five year period.' Verify at: http://www.nationalpolicyinstitute.org/pdf/deportation.pdf 13. In 2006 illegal aliens sent home $45 BILLION in remittances back to their countrie

What do you think of Obama's new Economic Rescue Plan for The Middle Class? Here is a summary of the major new ideas in the four areas of Obama’s plan: 1. JOB CREATION: A New American Jobs Tax Credit. Obama is calling for a temporary tax credit for firms that create new jobs in the United States over the next two years. 2. RELIEF TO FAMILIES: Penalty-Free Withdrawals from IRAs and 401(k)s in 2008 and 2009. Obama is calling for new legislation to allow families to withdraw 15% of their retirement savings – up to a maximum of $10,000 – without facing a tax-penalty this year (including retroactively) and next year. 3. RELIEF TO HOMEOWNERS: 90 day foreclosure moratorium for homeowners that are acting in good faith. Financial institutions that participate in the Treasury’s financial rescue plan should be required to adhere to a homeowners code of conduct, including a 90-day foreclosure moratorium for any homeowners living in their homes that are making good faith efforts pay their mortgages. 4. RESPONDING TO THE FINANCIAL CRISIS: A Lending Facility to Address the Credit Crisis for States and Localities. Obama is calling on the Federal Reserve and the Treasury to work to establish a facility to lend to state and municipal governments, similar to the steps the Fed recently took to provide liquidity to the commercial paper market. http://news.yahoo.com/s/politico/20081013/pl_politico/14523;_ylt=AhwB1p.FCbzEA1brvwo7lHth24cA What do you think of Obama's plan?

What is the definition of monetary infidelity between a husband and wife? In 2000 I inherited a $250,000 ranch home from my Grandmother, free and clear, no mortgage, here are the keys, just pay the taxes and utilities, OK..... to make a long story short, I married my husband 1 year before. We took a home equity loan to update the kitchen. I had to sign loan papers because I was the sole deed holder. Here comes "my bad", I had no idea and it was never explained to me that somewhere in the loan documents I was "putting him on the deed as a co-owner of my family home. At this point it gets complicated, as he had a federal government job as a letter carrier with a gross income of $60,000 a year. He also had a failed back surgery and became addicted to pain killers. Here comes the ugly part... he was unable to go to his $60,0000 a yr job because he began to abuse said pain killers in a way that rendered him bed ridden as a result of withdraw from eating them like candy. He continued to take loans on the home, as now he had carte blanche, and wanted only to abuse drugs and withdraw, consequently taking loans that would pay the bills while he was in an active addiction. He used my family home as his personal ATM. There were times we were cold, hungry, and desperate. My home is now in foreclosure and we have until Feb 22 for the sheriffs sale. My question is.. what rights do I have in so far as proving monetary infidelity and should I seek legal advice or is it all just a wash?

What do politicians have against letting people be homeless, get sick, starve and die? I don't get it. This is a free society. People have the right to make mistakes. If someone doesn't have the job or the skills to get a job in demand they should not be bailed out with unemployment insurance or given free medical care, even if they have multiple newborn babies. They should suffer those consequences. If an elderly person did not save enough or invest prudently enough they should not be given payments by the government (a.k.a. taxpayers) or given assistance to extremely expensive medical care (which is only rising). The government should not be insuring homes (creates a moral hazard) or trying to prevent foreclosures, infringing on the free market. If banks want to throw people out of there homes into the street they should be allowed to. The market will take care of itself in the long run. These people are killing our nation. We should eliminate all transfer payments (entitlements, etc), lower taxes on the wealthy to remove barriers to growth, and make up part of it by raising it on the poorest that pay no taxes to make up that revenue. Heck if we had a flat 15% tax on income with no deductions, and maybe a 5% consumption tax with no exemptions, we would establish certainty and economic growth. Sure the marginal value of each dollar of someone who earns 30,000 is worth more than someone with a $200,000 income but who cares. This country is broken and needs to be fixed.

why don't the states lottery start a new game for the people that are losing their homes? We all want a way out of foreclosures; this problem is bad for all of us. Well think about it as the house gets foreclosed on next door to you and your value of your home goes down even more, you lose more money. Stop the foreclosures and stop the short sales. Do you want to pay higher taxes? Do you want to bail out more lenders with your hard earned money? No I didn’t think so. We will pay for this one way or another. So how do we help ourselves and help keep our future taxes down? We need to help every one out of this and we need to do it now. We need to ask the help from our state and federal governments and we need them to make it tax-free. As we know everyone likes a chance to win some money. So lets give them a chance and help us all at the same time. I think but not sure, that all states have a state lottery. We start a new game and call it help the foreclosures or whatever you would call it. How it would work is you pay $1.00 per play at a chance to win the jackpot a small amount of the jackpot one-person wins, the rest of the jackpot would go into a drawing for the people in foreclosure. Now these people all have numbers assigned to them for this drawing and for future drawings and what they would get is $50,000 to give to their bank as part of their mortgage payment now the bank or lender takes the money and rewrites the mortgage. That person now can afford their mortgage payment. We as losers get our value back in our home and pay less taxes and a chance at winning the jackpot. If we would do this for a few years we could get all of us back on track and have some fun doing this. Just think if we would get jackpots of $20,000,000.00 plus we could help out 400 hundred people at a time, times that by all the states that’s a lot of people and it’s fast. Talking to some of the experts?? They tell me it will be the year 2023 before we see our values of our homes comes back to 05 levels? Maybe 2026? But really who knows when they will. Well that’s to long for me and I most likely will be dead by then?? So if we don’t help ourselves no one will… so lets help out now so we don’t pay higher taxes later. You know you will and your kids will too if this continues. I urge you to contact your state government and the fed’s too. Tell them to use this plan to help us all. A few dollars now will save you big bucks in the future. would this work? A tax on the poor and statistically challenged well maybe it is. But people play every week in my state and they play a lot of money. That money could be used for the good of everyone not just one and the game wouldn’t be forever. We could also use the money that all the law enforcements get when they bust someone. Confiscated money. Drug money that was to go to Mexico or wherever? I know there’s a lot there $millions. If I had control I would take any money from any place I could to use it for this. The schools and states don’t need it they just waste it anyways and they will get it back in a couple of years. (They don’t need a pay increase most people who are laid off or just getting rehired only make $7.40 an hour now). Hospitals I would not give a dime to the way they charge are you kidding. Check your bills they over charge on most of them. One in 10 Americans, wow it only takes one in 10 to pull the value of your home down this much. Hope, hope it doesn’t get to 2 to 10 .

Is New York City already Democratic Socialism? It is so different from anywhere else in the U.S. it seems. Public School kids get school breakfast, lunch, snack, dinner, and take home Saturday meals, and summer breakfast and lunch. You are legally entitled to housing which is a right , and upon demand, if you are not provided within 24 hours a place to stay (even free of charge temporarily if you have no money),or the city must pay $100 first day $50 per day thereafter to you in fines. Water is included by law in all rent. And under most circumstances cannot be shut off legally, even for non-payment. Same with heat, with strict minimum guidelines, apartments must be kept at least 68 degrees during the daytime. You are exempt from having an electricity meter if you are poor and in subsidized housing without major appliances, or an electricity alowance if in private subsidized housing with meters. (Most people in our neighborhood have no electricity meters - the overwhelming majority in this area) 15 Public Hospitals and 6 Clinics (weverywhere) are not permitted to turn anyone away in the Emergency Room, Doctor Clinic, Dental Clinic, Family Planing Center, or Dept. of Health or City Fitness Centers, and Health Insurance Is not a Requirement. All government health Center fees are $10 for the poor, and all medicine at the many State Run Pharmacies are price controlled at $10 for the poor, and Free for all emergency patients. A city run non profit insurance company free for the lower class with only $1 deductibles for the middle class, and heavily subsidized state insurance for upper middle class. By law Medicine can never be denied if you have the inability to pay at any state pharmacy. Pretty much everyone in the city is in a government housing program, which covers poor, middles class, AND upper middle class semi public housing and housing lotteries. Food is also a guaranteed right, and must be distributed at drop in centers community centers, and shelter sites. Along with a 24 hour hunger hotline. Our own City funded full University and college system of 26 colleges and Universities citywide. Our own city run educational and news television and music and news radio station. (Both commercial free), plus the new city current affairs city hall network, and extensive NYC Media Group. Extensive rent control in the private rental market. Our own city progressive income tax, and our own NYC Earned Income Tax Credit, along with a very progressive state income tax and state Earned Income Tax Credit. Fully Funded Public Schools, with High Schools of Every Specialty, Fashion, Aviation, Performing Arts, Plumbing, Electricity, Transit, you name it, with up to 10 classes a day,in some cases beautiful labs, and even escalators, our own city version of the SAT just to get into competitive high schools, Flexible curriculums with electives at nearly every level. Classes can end as late as 6pm if you choose to stay all day with electives, etc. Very Extensive city planning, zoning, parks, all spaces. Wal-Mart has been outlawed from the city and is not allowed to be built here. Our supermarket grocery baggers are usually unionized. Higher minimum wage at $7.15 an hour. Stricter enforcement of labor laws in local courts. (Pro-labor court system) Our own state funded Welfare Safety Net System, to replace Clinton's eradication of Welfare (We decided to continue Welfare with our own money) 24 hour bus and train extensive transportation nearly every block of the city, even suburban areas, no more than 20 minute wait for trains late nights. *** Government is such a huge part of everyday life here, and yet poverty conditions are lower than many other cities, especially the south, we are pretty free (just like most of America, no dictator here), We are the safest city in America, and its largest at the same time (people are happier?) And our local economy is very productive (Welfare state, yet people still choose to work). And rich people didn't leave here in droves (In fact they are still moving to Manhattan in droves) (New Construction is Everywhere) (And almost no home foreclosures). So what gives? Are we already socialist? Is our state constitution socialist by making health care, water, electricity, housing, heat and food a constitutional right that the state must provide by law? True taxes are higher but mostly on the wealthy, and most people don't mind because everyone gets services, the poor middle and upper middle class, all get stuff, and the wealthy get a clean city with beautiful parks, and safety, and awesome transport / quality of life. There are the occasional people protesting, but here people seem to love government so the majority don't care about taxes since its money well spent. This list doesn't even cover half the programs here. (our local library is open 9am - pm 7 days a week with one whole floor dedicated job center with library job counselors), The city also sponsors free wireless internet in public spaces, the list goes on. Anything the private sector does, NYC government does it also. Just opened up the Center for Financial Empowerment with Free Budget Counselors, and Literacy Centers to learn English Free. List goes on.. ^9am-9pm typo

do you understand this economic plan? We can't wait to help workers and families and communities who are struggling right now – who don't know if their job or their retirement will be there tomorrow; who don't know if next week's paycheck will cover this month's bills. We need to pass an economic rescue plan for the middle-class and we need to do it now. Today I'm proposing a number of steps that we should take immediately to stabilize our financial system, provide relief to families and communities, and help struggling homeowners. It's a plan that begins with one word that's on everyone's mind, and it's spelled J-O-B-S. We've already lost three-quarters of a million jobs this year, and some experts say that unemployment may rise to 8% by the end of next year. We can't wait until then to start creating new jobs. That's why I'm proposing to give our businesses a new American jobs tax credit for each new employee they hire here in the United States over the next two years. We will also save one million jobs by creating a Jobs and Growth Fund that will provide money to states and local communities so that they can move forward with projects to rebuild and repair our roads, our bridges, and our schools. A lot of these projects and these jobs are at risk right now because of budget shortfalls, but this fund will make sure they continue. ...At a time when the ups and downs of the stock market have rarely been so unpredictable and dramatic, we also need to give families and retirees more flexibility and security when it comes to their retirement savings. ...Since so many Americans will be struggling to pay the bills over the next year, I propose that we allow every family to withdraw up to 15% from their IRA or 401(k) – up to a maximum of $10,000 – without any fine or penalty throughout 2009. This will help families get through this crisis without being forced to make painful choices like selling their homes or not sending their kids to college. ...For those Americans in danger of losing their homes, today I'm also proposing a three-month moratorium on foreclosures. If you are a bank or lender that is getting money from the rescue plan that passed Congress, and your customers are making a good-faith effort to make their mortgage payments and re-negotiate their mortgages, you will not be able to foreclose on their home for three months. We need to give people the breathing room they need to get back on their feet. ...It also means promoting a new ethic of responsibility. Part of the reason this crisis occurred is that everyone was living beyond their means – from Wall Street to Washington to even some on Main Street. CEOs got greedy. Politicians spent money they didn't have. Lenders tricked people into buying home they couldn't afford and some folks knew they couldn't afford them and bought them anyway. We've lived through an era of easy money, in which we were allowed and even encouraged to spend without limits; to borrow instead of save. Now, I know that in an age of declining wages and skyrocketing costs, for many folks this was not a choice but a necessity. People have been forced to turn to credit cards and home equity loans to keep up, just like our government has borrowed from China and other creditors to help pay its bills. But we now know how dangerous that can be. Once we get past the present emergency, which requires immediate new investments, we have to break that cycle of debt. Our long-term future requires that we do what's necessary to scale down our deficits, grow wages and encourage personal savings again. It's a serious challenge. But we can do it if we act now, and if we act as one nation. We can bring a new era of responsibility and accountability to Wall Street and to Washington. We can put in place common-sense regulations to prevent a crisis like this from ever happening again. We can make investments in the technology and innovation that will restore prosperity and lead to new jobs and a new economy for the 21st century. We can restore a sense of fairness and balance that will give ever American a fair shot at the American dream. And above all, we can restore confidence – confidence in America, confidence in our economy, and confidence in ourselves. Read Barack's full remarks, as prepared for delivery... Obama's plan includes four new major ideas about job creation, relief to families, relief to homeowners and responding to the financial crisis: Job Creation: A New American Jobs Tax Credit. Obama is calling for a temporary tax credit for firms that create new jobs in the United States over the next two years. Relief to Families: Penalty-Free Withdrawals from IRAs and 401(k)s in 2008 and 2009. Obama is calling for new legislation to allow families to withdraw 15% of their retirement savings – up to a maximum of $10,000 – without facing a tax-penalty this year (including retroactively) and next year. Relief

when 60% of the population doesn't want the stimulus bill passed, but 30% does, should it be passed? please take a look at this chart from us news & world report as of april 8, 2009 and tell me why there is such a rush to pass the stimulus bill that mr. obama wants to pass: http://www.usnews.com/polls/whispers-poll-passing-obamas-budget/results.html you can see here that almost 11% polled want to study it more before there is a vote. what do you want? did you read it? if you have not read it yet, why not? it's only about 1,000 pages long. ron paul introduced legislation in the us house of representatives to bring back what is known as the "sunshine act," which would make it such that bills up for a congressional vote would be available, in both written and electronically written form, to the congress and to the people for at least 7 days. that is what i call responsible government given that we are a republic and it is we, the people, that need to know what the bills say before the congressmen that we have voted into office vote on them. and really, don't you agree that it's important that these bills are available for the legislators to READ more than the number of hours between 4:00 p.m. on one day and the morning after that day? so then, given that 60% of those polled do not want this bill to pass whatsoever, what makes it so good that about 30% want it to pass? in your opinion, what will this bill do for YOU? how will it positively affect your life? we are talking about $3,600,000,000, or, close to $4,000,000,000 ($3.6 trillion or $4 trillion dollars)--i do not think that is small change, do you? so, what can the stimulus bill, the one up for congressional approval into law, going to do, for YOU? the population of the united states approximates 315,000,000 (315 million) people. and so, since some of these citizens are children, let's say, a little under one third of this number, that would mean that adults make up the remaining 215,000,000 citizens. (note here, i am not counting illegal aliens because they should not be here and therefore, they have no "rights" to get a penny of this money. they did not pay taxes for it and since nobody knows they are here, their kids will not pay future taxes to make up the trillions anyway). meanwhile, back in DC, we have a budget deficit already of $425,000,000,000--$425 trillion dollars. that means that we will be in the hole (a/k/a "The Federal Government Abyss") $785,000,000,000 ($785 trillion dollars) if this stimulus bill is passed and signed into law. that means that our own people (all of them, including children and infants) will owe the government coffers $24,920,634 and some cents, each, in order to balance our budget. hmmmmm. what does that say to you? how long will you have to work at what rate of pay and how many children must you birth, feed, house, clothe, medicate and educate enough so that they get jobs that will pay them enough to pay off the deficit? might it be that 60% of those polled have given a flat "nay" to putting mr. obama's stimulus package into law because they see the unreality of it all? let's say that instead of the bill as it is written now passing, we were to hold our hands out so that each one of us adults would get our fair share of that $3.6 trillion dollars? that would mean that every one of the 215,000,000 adult citizens of our country would now get, each, about $16,744,186. if you and your spouse each got around $17 million dollars, what would you do with it? okay, if you and your spouse said screw you to one another, what would you do with almost $17,000,000? if i faced foreclosure, i'd first pay off my mortgage and all the attorneys for the lender. the banks get da money and then they don't need any more handouts. then, i might buy a new car. no more hands out for our money to save the auto industry. and then, i think i would buy tax exempt college bonds for my grandkids and send my son, who works so hard as a business owner, back to college for his PhD in marine biology (better to study our own oceans with far more than 6 deep-sea submersibles than it is to go to the moon again). maybe i'd take a vacation and do a gut rehab of my house, then buy beautiful furnishings. i think i'd put a whole lot of energy savers into my final product. lots of people get paid when they do all that work for me! i might even save some of that money!!! ta-da! no more worries about how i will survive in my old age, or how i will buy health insurance and all those other goodies that the aged must have. and another ta-da!!!: all of that money would enable us to have FREE TRADE, to pay out our $17million each to BUY AMERICAN again (i'd hope), rather than being slaves to the orient. given such facts and figures, do you want the stimulus bill to passed as it is written now? or don't you? or do you want to study it more? again, here are the results: http://www.usnews.com/polls/whispers-pol

What do you think of the Dave Ramsey "common sense fix" plan? http://www.daveramsey.com/media/pdf/the_common_sense_fix.pdf Years of bad decisions and stupid mistakes have created an economic nightmare in this country, but $700 billion in new debt is not the answer. As a tax-paying American citizen, I will not support any congressperson who votes to implement such a policy. Instead, I submit the following threestep Common Sense Plan. I. INSURANCE a. Insure the subprime bonds/mortgages with an underlying FHA-type insurance. Government-insured and backed loans would have an instant market all over the world, creating immediate and needed liquidity. b. In order for a company to accept the government-backed insurance, they must do two things: 1. Rewrite any mortgage that is more than three months delinquent to a 6% fixed-rate mortgage. a. Roll all back payments with no late fees or legal costs into the balance. This brings homeowners current and allows them a chance to keep their homes. b. Cancel all prepayment penalties to encourage refinancing or the sale of the property to pay off the bad loan. In the event of foreclosure or short sale, the borrower will not be held liable for any deficit balance. FHA does this now, and that encourages mortgage companies to go the extra mile while working with the borrower—again limiting foreclosures and ruined lives. 2. Cancel ALL golden parachutes of EXISTING and FUTURE CEOs and executive team members as long as the company holds these government-insured bonds/mortgages. This keeps underperforming executives from being paid when they don’t do their jobs. c. This backstop will cost less than $50 billion—a small fraction of the current proposal. II. MARK TO MARKET a. Remove mark to market accounting rules for two years on only subprime Tier III bonds/mortgages. This keeps companies from being forced to artificially mark down bonds/mortgages below the value of the underlying mortgages and real estate. b. This move creates patience in the market and has an immediate stabilizing effect on failing and ailing banks—and it costs the taxpayer nothing. III. CAPITAL GAINS TAX a. Remove the capital gains tax completely. Investors will flood the real estate and stock market in search of tax-free profits, creating tremendous—and immediate—liquidity in the markets. Again, this costs the taxpayer nothing. b. This move will be seen as a lightning rod politically because many will say it is helping the rich. The truth is the rich will benefit, but it will be their money that stimulates the economy. This will enable all Americans to have more stable jobs and retirement investments that go up instead of down. This is not a time for envy, and it’s not a time for politics. It’s time for all of us, as Americans, to stand up, speak out, and fix this mess. Im not asking this question for myself. I'm in no danger of foreclosure. I'm asking this question for in general purposes. I want people's opinion.

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