The Internet Is Superlative Communication

There has to be millions of Blogs just like mine, and with every voice comes communication on living, issues, ethics, and our own beliefs. With all this sharing of ideas, opinion, and voice, we all gain.

When all the young men refuse to kill for the sake of
peace, and when all the women forbid their men to kill for the sake of peace, and when you realize that no peace will come through killing, and that THE END DOES NOT JUSTIFY THE MEANS, and when you grow full and light with thoughts of peace, then there will be an end to war.

“Now, you are engaged, you will forgive the term, in a
meaningful dialogue. I hope you are engaged in a dialogue that is fun for you and creative. You are beginning to reach out and touch others, constructively, through the creativity of your own beings, and as you progress you will also discover your own abilities. As you help others so will you also be helping yourself, and as you carry on dialogues with other people so are you carrying on dialogues with yourselves and doing very well — all of you.”

“There is nothing more stimulating, more worthy of actualization, than the desire to change the world for the better.That is indeed each person’s mission (intently). You begin by workingin that area of activity that is your own unique one, with your own life and activities. You begin in the corner of an office, or on the assembly line, or in the advertising agency, or in the kitchen. You begin where you are. When you fulfill your own abilities, when you express your personal idealism through acting it out to the best of your ability in your daily life, then you ARE changing the world for the better.

“If you allow your spontaneity its own freedom, then you can quite happily have whatever you want. But spontaneity will also lead you to thoughts of love for others. It will lead you to realize that you cannot plunder your planet,and it will lead you to realize that as long as one person is starving then you are starving in ways that you are too ignorant to recognize.”

Time to think on the entire world, not just our own little corner of it.

Mortgages, Foreclosures, Banking, Total Mess

I have spent some time reading all over the place to find out what is going on with all those mortgages, the foreclosures, and the banks. My conclusion? The financial world did not K.I.S.S (keep it simple, stupid!) and have created a mess that unwitting people all over the US got snared with. What is just as disturbing is the lack of any charges. What happened to the FBI investigations? I have seen nothing about this yet! Maybe because the investigation leads to companies like Wells Fargo, Fanny Mae, Goldman Sachs, and the company executives? Until there are charges or at least some grand juries convened, I have a feeling this is all just going to be wallpaper over cayuse crap. Those who knowingly defrauded, manipulated and created a huge problem need to be found and face the music. The Bush Administration has put some of the “old boys network” in the very positions where the investigations may well end up squelched.

The countries of the world elsewhere have K.I.S.S and that has allowed mortgages to be renegotiated directly with fewer foreclosures. What is the difference? “Securitized mortgages” where speculators, unscrupulous financial activity and banks all DELIBERATELY chose to “reduce risk” by cutting up the dealings to make far more money off housing.
There is obviously a HUGE problem with the U.S. regulations if this was even allowed to happen. Housing and other shelter lending should NEVER have been exposed to these practices.
What can be done now? First off, write a piece of legislation banning CDS, along with severe restrictions on shelter lending, whereby there is a simple process. Banks can ONLY lend directly to purchasers, period. The mortgages MUST be maintained within a single lender, and NO allowed contracts or other practices where there is ANYONE else allowed in. Keep It Simple, Stupid!
This may mean that the government now becomes the Master Servicer of mortgages, which is almost guaranteed to raise screams of protest from banks, and “investors” because this would put the government in the position of negotiator. For those who find their mortgages “repackaged” it would allow them the ability to renegotiate directly, simply, and probably effectively with the Master Servicer, the government.
Reform the shelter bankruptcy laws, along with an increased involvement of Fanny Mae and Freddy Mac as the holder of the mortgages. This reform MUST change the way mortgages are renegotiated, change the way mortgages are written, and MUST CUT OUT any contractual access from any other person than the banks and the mortgagee. Get those bloody contracts out of the housing market, now! Those contracts are crippling the ability of the banks, the holders of mortgages and lending to even find a clean, simple way to get things resettled.
If a housing market has dropped the value on the properties, then it is up to the banks to “eat” the losses. Why? Because BANKS are the ones that sold off the mortgages to others, complicated the hell out of the whole thing in the first place!
One reason most people have not figured this out IS because of the “securitization” of mortgages, the underlying manipulation and speculations that made millionaires out of people who NEVER had a stake in the shelter market at all!
Personally if I do go into the US market and buy a house, I am going to make DAMN SURE that the lending institution WILL NOT, HAS NOT, AND WILL NEVER turn my mortgage over to speculators. I want to have a clause that allows me to sue the hell out of the bank if they do!
KEEP IT SIMPLE! STUPID!