Tag:turnips
Posted on: January 6, 2009 10:28 am
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Smorgie licks another woman...

I had a very Merry Christmas and a great New Year's Eve and hope you all had similar if not better experiences. One of my resolutions this year is to seek out stupidity and call it out for all to see. My first installment in 2009 relays just such a stupid person.

While driving along in the Queen City last Friday evening I encountered a stupid person. I was driving along the I-275 beltway in Cincinnati approaching rush hour traffic in one of the interminable construction areas. Years ago I gave up driving fast in and around the city and have taken up the role of right lane slow driver. It is just easier and way less stressful, I recommend some of you with too much stress give it a try. Back to the story. I pulled into the left lane to pass some slower merging traffic which I went around in good time, but apparently I did not return to the right lane fast enough for the person behind me. This lady came along side and slowed, blew her horn and gave me the finger. Happy New Year to you I thought to myself. Oh well. Let it go, Cyndi. The woman moved on ahead of me.

At this point I had a great view of the back of her Toyota Prius. She had several bumper stickers that struck me as interesting and down right hilarious in retrospect. The one that caught my attention was a simple statement: Envision World Peace. Ironic that a woman who drives aggressively in her eco-green machine and flips people the bird, is interested in world peace don't you think? World Peace? How do you actually have world peace when people of different ethnic or religious or geographical demographics just don't like each other. Beyond reason or logic, it is just a visceral hatred. We can't even seem to love our neighbors here in the US.

The bumper continued to extoll its knowledge to those trailing in her dust. She had the Make Love Not War sticker. The Jan 20th End of an Error sticker - a big fan of Bush, not. An Obama 08 sticker was there.

As you all know when driving in traffic, you can swerve and pass all you want, in the end you never get very far. As it turned out, this peace loving road raged lady never got very far from me. In fact, the slow lane was moving a little faster and I ended up passing her. She actually swerved toward me as I drove past at all of 35 mph. I apparently had gotten under her skin rather badly with my correct driving. Let it go Cyndi.

The rest of the drive went rather uneventful and I arrived at my destination, a wonderful restaurant to celebrate a friends promotion within a local non profit organization (a charity). Amazingly, the lady in the Prius entered the parking lot right behind me. She was going to the same place! What a coincidence. Or wait....maybe she was really pissed at me and wanted to kick my butt! I didn't know which. She parked and went into the restaurant...it was just a coincidence. So I went in to meet my friend only to find the Prius woman sitting at the same table with an open seat on her left. Hugs and greetings for all of our friends. Pleasantries and introductions were exchanged for those who did not know everyone at the table. This is when I got to meet the Prius lady. She recognized me immediately. The look on her face was difficult to discern. Was she still angry at me? Was she embarrassed by her actions? Was she waiting for me to say something mean? Whatever it was, she was very uncomfortable. I only smiled and said it was nice to meet you. I took great pleasure in remaining cordial and nice to her all evening, I never let her know that I knew she was the lady who flipped me off only 20 minutes prior. She began to relax and the dinner and drinks came to a close. People were beginning to leave and the conversation died down. Eventually she and I were seperated from the others by a chair. So I turned to her and said, "So you are a peace advocate, huh? How do you expect to attain peace in the world when we don't even have peace in our own country?" The Prius lady was flustered and she stared at the table for a second or two. She looked me in the eye and apologized for her actions out on the roadway and I accepted it with no ill will. We continued our evening and she was really a nice person. She was smart and funny. She is devoted to Obama, which is okay by me, I respect that. We sparred back and forth over some of our political differences but ended the evening as friends. In parting I asked her what I did to warrant the rage on the road out there on the way to the restaurant, not trying to rub her nose in it but to truly understand what I did. She said I was just in her way, she was late for this meeting with her friend.

She apologized again and I told her not to worry about and thanked her for her honest answer.

Looking back I wonder how often we all get so wrapped up in ourselves that we begin to look at those neighbors around us as only hinderances to our own progress. I looked inside myself too. I admit I lose sight of the what is really important , too. I just hope I can keep reminding myself that the person in the next car is a person with a family, with desires and wants, with ideas and beliefs, and with hopes and dreams.

World peace? Let's start with peace in America first. It begins with each one of us living the Golden Rule. Do unto others as you'd have them do unto you. Stop the road rage, stop the bird flipping. Drive safely for your sake and that of your family. Respect each other.  In the words of Bill and Ted, "Be excellent to each other."

If she ever flips me off again, though, I am calling the cops!!

Posted on: October 9, 2008 2:56 pm
Edited on: October 9, 2008 2:58 pm
 

You know what makes me HOT???

Sexy men sure do.  Sexy women absolutely.  People who lie to gain power makes me hot - but this under the collar not where I like it. But what really makes me HOT is when people are too blind to demand the truth and too stupid to ask the right questions.  If you have been paying attention you probably know there is a blame fest in Washington with regards to the credit and banking meltdown.  The other night I heard Obama blame McCain and Bush for the troubles.  I heard McCain blame Democrats.  Blame is not the answer folks.

In the banter and bickering the fourth estate, the press, has failed to ask the right questions.  Failed to get to the bottom of it.  In fact the New York Times has become a Democrat Rag regurgitating party doctrine as gospel and failing to perform any investigation into the mess. The New York Times is fast fading as a journalistic icon, a bastion on truth, they are less reliable than the National Enquirer!  But this is downright ridiculous.  The same paper that is ripping the Republicans for the mess ran this article in 1999.   Look it up, its there.

FANNIE MAE EASES CREDIT TO AID MORTGAGE LENDING By STEVEN A. HOLMES 
New York Times,September 30, 1999.

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

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

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

In addition, banks, thrift institutions and mortgage companies have been pressing Fannie Mae to help them make more loans to so-called subprime borrowers. These borrowers whose incomes, credit ratings and savings are not good enough to qualify for conventional loans, can only get loans from finance companies that charge much higher interest rates -- anywhere from three to four percentage points higher than conventional loans.
''Fannie Mae has expanded home ownership for millions of families in the 1990's by reducing down payment requirements,'' said Franklin D. Raines, Fannie Mae's chairman and chief executive officer. ''Yet there remain too many borrowers whose credit is just a notch below what our underwriting has required who have been relegated to paying significantly higher mortgage rates in the so-called subprime market.''

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

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

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

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

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

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

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

In contrast, the number of non-Hispanic whites who received loans for homes increased by 31.2 per cent.

Despite these gains, home ownership rates for minorities continue to lag behind non-Hispanic whites, in part because blacks and Hispanics in particular tend to have on average worse credit ratings.

In July, the Department of Housing and Urban Development proposed that by the year 2001, 50 percent of Fannie Mae's and Freddie Mac's portfolio be made up of loans to low and moderate-income borrowers. Last year, 44 percent of the loans Fannie Mae purchased were from these groups.

The change in policy also comes at the same time that HUD is investigating allegations of racial discrimination in the automated underwriting systems used by Fannie Mae and Freddie Mac to determine the credit-worthiness of credit applicants.

Now which is it New York Times?  Is it Bush's fault?  Is it the Republican's fault?  Is it the Democrat's fault?  You are irrelevant!! Americans- Stop expecting government to solve your problems.  Take responsibility for your actions.  Stop spending money you don't have.  Hold your politicians accountable for their spending. Vote them all out of office.  For everyone who added pork to the bailout bill - you should be recalled immediately for your reprehensible behavior and greed.  It was not that long ago when a poor person had too much pride to even ask for help.  In 2008 there is nothing a poor person is NOT entitled to and they have very little if any pride.  Work for your living. I think I am going to makes some love now. Smorgie
 
 
 
 
 
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