Archive for the ‘internal regs’ Category

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Decoration Day or Memorial Day

May 27, 2017

On May 5th 1868, General John A. Logan declared that May 30th would be known as Decoration Day Nation wide, that date was chosen because it held no significance as an anniversary of any past battle in America.

This day is set aside for the men and women who have given the ultimate sacrifice by giving their all, its also to honor those who are currently serving and for those who have served in the military for this nation willing and for those who were drafted as well.

We have places in this country who are attempting to whitewash history by removing monuments to soldiers and generals and important figures from the civil war. It is because of the civil war that we have Decoration Day/Memorial Day, the civil war was not fought over slavery but it eventually has been taught that is all it was about.

Prior to the start of the civil war, the federal government was taxing raw products and finished products that came from the southern states. The representatives in the house and in the senate told the federal government that if the excess taxation did not stop that they would leave the union and form their on nation. About that time the southern states were also looking at freeing all slaves and giving each male slave a 1/4 or 1/2 acre for each year they lived on a plantation.

In President Lincoln’s own words “we can not let the southern states leave for they fund the federal government” The federal government struck first by invading the southern states to prevent succession of the southern states.

President Lincoln issued the Emancepation Proclamation, on January 1st 1863, freeing all slaves, there was caveat to his speech, it only affected the slaves in the southern states while the civil war was going on. It wasn’t until 4 years later that the slaves in the northern states and southern states that was loyal to the union were freed.

Prior to the civil war as I had stated the southern states were looking into freeing the slaves the same at Russia had in 1859. Prior to Lincoln starting the war with a surprise attack on Charleston harbor on April 8th 1861, to occupy Fort Sumter which at that time was a federal tax collection fort. The southern states were starting the process of freeing the slaves. The occupation of Fort Sumter by the federal government military and navy altered that course of action by the southern states.

After the civil war had ended and congress initiated the process of reconstruction which in turn allowed for people from the northern states to move to the southern states became known as carpet baggers. It as during the era of reconstruction that majority of the representatives from the southern states were former slaves that were freed by Lincoln’s emancipation proclamation. The southern Democratic Party had created its response to the reconstruction time period which became known as the KKK party.

The klan was created as a response to the northern states using reconstruction era to have blacks in congress. The klan terroized and even killed blacks to get their point across. Up until the civil rights bill as passed by congress in the 1960’s, there was 7 other attempts to pass civil rights legislation by congress but the democrats in congress blocked them all.

It as the democrats that created the Jim Crow laws, the separate but equal education system, the whites only and blacks only laws. It was the democrats in power in the southern states that used the police, the police dogs, water cannons, and the states national guards against the civil rights marchers in the late 1950’s and the early 1960’s.

The civil rights bill that was voted on in the house in 1964 was filibustered by Al Gore Sr in the senate until another senator from Minnesota rewrote several sections that dealt with voting rights, the original version ould enshrine in the constitution the right to vote regardless color, religion, or gender, the rewritten version had it so that the senate had to revote on the voting rights act every so often, that is when enough democrats in the senate agreed to vote to pass the civil rights bill so the president could sign it into law.

What is now known as Memorial Day is because of the civil war, there were to many men killed during the civil war and to think we have people who have been elected feel it’s their right to remove monuments and to erase history because a few are offended by our nations past. To erase our past means that we as a nation are bound to repeat history. We need to embrace our past so that we do not repeat our past, but we are on the verge of repeating our past because a single political party prefers to keep groups of people as 2nd class citizens so that they will keep voting for them.

The civil war was not fought to keep a political party in power but to keep a young nation as a whole, every single soldier who has given their all in battle or in defense of this nation should be honored as well as those who are currently serving in the military and those who served and those who have retired from the military for they truly know what sacrifice truly means.

The song “If Your Reading This” best fits the term “giving it all”
It as first sung by Tim McGraw in 2007

If You’re Reading This
Tim McGraw
Lyrics
If you’re reading this
My Mommas sittin there
Looks like I only got a one way ticket over here
Sure wish I
Could give you one more kiss
And war was just a game we played when we were kids
I’m laying down my gun
I’m hanging up boots
I’m up here with God and we’re both watching over you
So lay me down
In that open field out on the edge of town
And know my soul
Is where my momma always prayed
That it would go
And if you’re reading this
I’m already home
If you’re reading this
Half way around the world
I won’t be there
To see the birth of our little girl
I hope she looks like you
I hope she fights like me
Stand up for the innocent and weak
I’m laying down my gun
I’m hanging up boots
Tell dad I don’t regret that I followed in his shoes
So lay me down
In that open field out on the edge of town
And know my soul
Is where my momma always prayed
That it would go
And if you’re reading this
I’m already home
If you’re reading this
There’s going to come a day
When you’ll move on
And find some one else
And that’s OK
Just remember this
I’m in a better place
Where soldiers live in peace
And angels sing amazing grace
So lay me down
In that open field out on the edge of town
And know my soul
Is where my momma always prayed
That it would go
And if you’re reading this
I’m already home

There is another song that I will post the lyrics to as well for the soldiers who are still living, that fits them.

It’s sung by Toby Keith the title is American Soldier

Lyrics
I’m just trying to be a father,
Raise a daughter and a son,
Be a lover to their mother,
Everything to everyone.
Up and at ’em bright and early,
I’m all business in my suit,
Yeah, I’m dressed up for success,
From my head down to my boots.
I don’t do it for money
There’s bills that I can’t pay.
I don’t do it for the glory,
I just do it anyway.
Providing for our future’s my responsibility,
Yeah I’m real good under pressure,
Being all that I can be.
And I can’t call in sick on Mondays
When the weekends been too strong,
I just work straight through the holidays,
And sometimes all night long.
You can bet that I stand ready
When the wolf growls at the door,
Hey, I’m solid, hey I’m steady,
Hey I’m true down to the core.
And I will always do my duty,
No matter what the price,
I’ve counted up the cost,
I know the sacrifice.
Oh, and I don’t want to die for you,
But if dyin’s asked of me,
I’ll bear that cross with honor,
‘Cause freedom don’t come free.
I’m an American soldier, an American,
Beside my brothers and my sisters
I will proudly take a stand,
When liberty’s in jeopardy
I will always do what’s right,
I’m out here on the front lines,
So you can sleep in peace tonight.
American soldier, I’m an American,
American soldier,
An American

I found the soldiers Creed and its a good one and i hope that I am not offending anyone by just changing one word in the creed for it is meant to honor all soldiers.

A Soldiers Creed

I am an American Soldier.
I am a member of the United States Military – a protector of the greatest nation on earth.
Because I am proud of the uniform I wear, I will always act in ways creditable to the military service and the nation it is sworn to guard.
I am proud of my own organization. I will do all I can to make it the finest Military.
I will be loyal to those under whom I serve. I will do my full part to carry out orders and instructions given to me or my unit.
As a soldier, I realize that I am a member of a time-honored profession—that I am doing my share to keep alive the principles of freedom for which my country stands.
No matter what the situation I am in, I will never do anything, for pleasure, profit, or personal safety, which will disgrace my uniform, my unit, or my country.
I will use every means I have, even beyond the line of duty, to restrain my comrades from actions disgraceful to themselves and to the uniform.
I am proud of my country and its flag.
I will try to make the people of this nation proud of the service I represent, for I am an American Soldier.

Thank you for taking the time to read my view on Decoration Day/Memorial Day,
A ordinary mans view.

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E.E.O.C.

April 28, 2016

It is time for the EEOC to take the leap forward that the democrats have been complaining about for the past 100 years about equality in the work place.  It is time for the EEOC to do away with quotas in every way and form and function.

The EEOC can do something totally mind boggling that would make every liberal head spin by requiring all employers public and private by redoing the employment process that is currently used for one thing called quotas in the work place.

Its time to end the use of full names required on applications or resumes and require last names only.  It’s time to get rid of gender identity identification on applications.  It’s time to rid the application process of race related identification as well.

its time that applications should have at the top of every.  Application the following statement: The best qualified applicant will be selected for the job posted.

The application and resume should only have the following: first initial and last name only, instead of full name which will identify the applicants gender.

Remove the gender identity boxes

Remove race identifying on the application.

Remove age as well unless it is a job requirement of OSHA

Using the new system would require the employers to select which applicatants based on the qualifications in the resume and interview accordingly and have no preset notions of each applicant.

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ObamaCare The Law That Is Racist

October 13, 2013

I woke up sometime during the night because mother nature has deemed me old enough to have a time clock alarm in my bladder thank you mother nature.

The title says it all and I wrote down what it means and by federal law this program must end……….

The Affordable Patient Health Care Act aka obamacare comes right to the point of being racist and discriminatory in the same breath first time that congress has allowed and even voted on a bill that lets the federal govt to use discrimination and be racist legally at the same time.

This law discriminates against you because of your age!

This law discriminates against you because of your sexual preference!

This law discriminates against you based on your skin color!

This law discriminates against you because of your gender as well!

This law discriminates against you if you are not muslim!

This Law also discriminates against couples who are married………..

talking about racism this law was written and aimed at illegals to begin with because the democratic party needs a new group to enslave and they will be worshiped for it.

If you are an American Citizen already you are punished by the law….

Exceptions to this are in you are black, gay, lesbian, perpetual pro amnesty, muslim, pro baby death (planned parenthood actually admitted they are for this), if you are getting govt subsidies and are willing to live according to the rules that the federal govt sets forth for you to live on govt handouts then you will not be punished by the law.

Soon this law will encumber if a person will be selected by the govt to go onto a college education provided by the state, The U.K. is a great example of how the govt selects who gets into college.

Prove me wrong with verifiable proof that obamacare is not based on racism and discriminatory acts built into the law by the democratic party

This law also does what the democrats have been trying to do by re-enslaving the very people who were freed by President Abraham Lincoln, plus it shreds the constitution by letting the HHS Dept do what

they have been unable to do and that is bypass the constitution and the rule of law………….

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The Ryan Budget The Democrats HATE………

September 6, 2012
LIST OF BUDGET CUTS PAUL RYAN IS PROPOSING.. (WTF ) NO WONDER THE DEMS HATE HIM.

READ TO THE END… IT TOOK MY BREATH AWAY…..

A List of Republican Budget Cuts

Notice S.S. and the military are NOT on this list.
These are all the programs that the new Republican House has proposed cutting. Read to the end.

* Corporation for Public Broadcasting Subsidy — $445 million annual savings.
* Save America ‘s Treasures Program — $25 million annual savings.
* International Fund for Ireland — $17 million annual savings.
* Legal Services Corporation — $420 million annual savings.
* National Endowment for the Arts — $167.5 million annual savings.
* National Endowment for the Humanities — $167.5 million annual savings.
* Hope VI Program — $250 million annual savings.
* Amtrak Subsidies — $1.565 billion annual savings.
* Eliminate duplicating education programs — H.R. 2274 (in last Congress), authored by Rep. McKeon, eliminates 68 at a savings of $1.3 billion annually.
* U.S. Trade Development Agency — $55 million annual savings.
* Woodrow Wilson Center Subsidy — $20 million annual savings.
* Cut in half funding for congressional printing and binding — $47 million annual savings.
* John C. Stennis Center Subsidy — $430,000 annual savings.
* Community Development Fund — $4.5 billion annual savings.
* Heritage Area Grants and Statutory Aid — $24 million annual savings.
* Cut Federal Travel Budget in Half — $7.5 billion annual savings
* Trim Federal Vehicle Budget by 20% — $600 million annual savings.
* Essential Air Service — $150 million annual savings.
* Technology Innovation Program — $70 million annual savings.
* Manufacturing Extension Partnership (MEP) Program — $125 million annual savings..
* Department of Energy Grants to States for Weatherization — $530 million annual savings.
* Beach Replenishment — $95 million annual savings.
* New Starts Transit — $2 billion annual savings.
·       Exchange Programs for Alaska Natives, Native Hawaiians, and Their Historical Trading Partners in Massachusetts — $9 million annual savings
* Intercity and High Speed Rail Grants — $2.5 billion annual savings.
* Title X Family Planning — $318 million annual savings.
* Appalachian Regional Commission — $76 million annual savings.
* Economic Development Administration — $293 million annual savings.
* Programs under the National and Community Services Act — $1.15 billion annual savings.
* Applied Research at Department of Energy — $1.27 billion annual savings.
* Freedom CAR and Fuel Partnership — $200 million annual savings..
* Energy Star Program — $52 million annual savings.
*Economic Assistance to Egypt — $250 million annually.
* U.S.Agency for International Development — $1.39 billion annual savings.
* General Assistance to District of Columbia — $210 million annual savings.
* Subsidy for Washington Metropolitan Area Transit Authority — $150 million annual savings.
*Presidential Campaign Fund — $775 million savings over ten years.* No funding for federal office space acquisition — $864 million annual savings.
* End prohibitions on competitive sourcing of government services.
* Repeal the Davis-Bacon Act — More than $1 billion annually.
* IRS Direct Deposit: Require the IRS to deposit fees for some services it offers (such as processing payment plans for taxpayers) to the Treasury, instead of allowing it to remain as part of its budget — $1.8 billion savings over ten years.
*Require collection of unpaid taxes by federal employees — $1 billion total savings.WHAT THE HELL IS THIS ABOUT?
* Prohibit taxpayer funded union activities by federal employees — $1.2 billion savings over ten years.
* Sell excess federal properties the government does not make use of — $15 billion total savings.
*Eliminate death gratuity for Members of Congress.WHAT???
* Eliminate Mohair Subsidies — $1 million annual savings.
*Eliminate taxpayer subsidies to the United Nations Intergovernmental Panel on Climate Change — $12.5 million annual savings  WELL ISN’T THAT SPECIAL
* Eliminate Market Access Program — $200 million annual savings.
* USDA Sugar Program — $14 million annual savings.
* Subsidy to Organization for Economic Co-operation and Development (OECD) — $93 million annual savings.
* Eliminate the National Organic Certification Cost-Share Program — $56.2 million annual savings.
*Eliminate fund for Obamacare administrative costs– $900 million savings.
* Ready to Learn TV Program — $27 million savings..
* HUD Ph.D. Program.
* Deficit Reduction Check-Off Act.
*TOTAL SAVINGS: $2.5 Trillion over Ten Years

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The Real Truth Is Exposed About The Housing Bubble!!!!

November 5, 2011

This ties the C.R.A. bill signed into law in 1976, bill clintons secret commission that found their

findings on false information and used the findings as a loaded gun to the banking, savings and loans

and the mortgage companies.  It is these two actions that created and caused the abuses and the

economy that we have today, it can be laid at the feet of the Democrats and obama is taking it even

more to the left of the left…………

Smoking-Gun Document Ties Policy To Housing Crisis

By PAUL SPERRY, FOR INVESTOR’S BUSINESS DAILY Posted 10/31/2011 08:05 AM ET

 View Enlarged Image

President Obama says the Occupy Wall Street protests show a “broad-based frustration” among Americans with the financial sector, which continues to kick against regulatory reforms three years after the financial crisis.

“You’re seeing some of the same folks who acted irresponsibly trying to fight efforts to crack down on the abusive practices that got us into this in the first place,” he complained earlier this month.

But what if government encouraged, even invented, those “abusive practices”?

Rewind to 1994. That year, the federal government declared war on an enemy — the racist lender — who officials claimed was to blame for differences in homeownership rate, and launched what would prove the costliest social crusade in U.S. history.

At President Clinton’s direction, no fewer than 10 federal agencies issued a chilling ultimatum to banks and mortgage lenders to ease credit for lower-income minorities or face investigations for lending discrimination and suffer the related adverse publicity. They also were threatened with denial of access to the all-important secondary mortgage market and stiff fines, along with other penalties.

Bubble? Regulators Blew It

The threat was codified in a 20-page “Policy Statement on Discrimination in Lending” and entered into the Federal Register on April 15, 1994, by the Interagency Task Force on Fair Lending. Clinton set up the little-known body to coordinate an unprecedented crackdown on alleged bank redlining.

The edict — completely overlooked by the Financial Crisis Inquiry Commission and the mainstream media — was signed by then-HUD Secretary Henry Cisneros, Attorney General Janet Reno, Comptroller of the Currency Eugene Ludwig and Federal Reserve Chairman Alan Greenspan, along with the heads of six other financial regulatory agencies.

“The agencies will not tolerate lending discrimination in any form,” the document warned financial institutions.

Ludwig at the time stated the ruling would be used by the agen cies as a fair-lending enforcement “tool,” and would apply to “all lenders” — including banks and thrifts, credit unions, mortgage brokers and finance companies.

The unusual full-court press was predicated on a Boston Fed study showing mortgage lenders rejecting blacks and Hispanics in greater proportion than whites. The author of the 1992 study, hired by the Clinton White House, claimed it was racial “discrimination.” But it was simply good underwriting.

It took private analysts, as well as at least one FDIC economist, little time to determine the Boston Fed study was terminally flawed. In addition to finding embarrassing mistakes in the data, they concluded that more relevant measures of a borrower’s credit history — such as past delinquencies and whether the borrower met lenders credit standards — explained the gap in lending between whites and blacks, who on average had poorer credit and higher defaults.

The study did not take into account a host of other relevant data factoring into denials, including applicants’ net worth, debt burden and employment record. Other variables, such as the size of down payments and the amount of the loans sought to the value of the property being bought, also were left out of the analysis. It also failed to consider whether the borrower submitted information that could not be verified, the presence of a cosigner and even the loan amount.

When these missing data were factored in, it became clear that the rejection rates were based on legitimate business decisions, not racism.

Still, the study was used to support a wholesale abandonment of traditional underwriting standards — the root cause of the mortgage crisis.

For the first time, Washington’s bank regulators put racial lending at the top of their checklist. Banks that failed to throw open their lending windows to credit-poor minorities were denied expansion plans by the Fed in an era of frenzied financial mergers and acquisitions. HUD threatened to deny them access to Fannie Mae and Freddie Mac, which it controlled. And the Justice Department sued them for lending discrimination and branded them as racists in the press.

“HUD is authorized to direct Fannie Mae and Freddie Mac to undertake various remedial actions, including suspension, probation, reprimand or settlement, against lenders found to have engaged in discriminatory lending practices,” the official policy statement warned.

The regulatory missive, which had the effect of law, advised lenders to bend “customary” underwriting standards for minority homebuyers with poor credit.

“Applying different lending standards to applicants who are members of a protected class is permissible,” it said. “In addition, providing different treatment to applicants to address past discrimination would be permissible.”

To that end, lenders were directed to “make changes in marketing strategy or loan products to better serve minority segments of the market.” They were also advised to “change commission structures” to encourage brokers and loan officers to “lend in minority and low-income neighborhoods” — a practice Countrywide Financial, the poster boy of the subprime scandal, perfected. The government now condemns the practice it once encouraged as “predatory.”

FDIC warned banks that even unintentional discrimination was against the law, and that they should be proactive in making “multicultural” loans. “An ounce of prevention is worth a pound of cure,” the agency said in a separate advisory.

Confronted with the combined force of 10 federal regulators, lenders naturally toed the line, and were soon aggressively marketing subprime mortgages in urban areas. The marching orders threw such a scare into the industry that the American Bankers Association issued a “fair-lending tool kit” to every member. The Mortgage Bankers Association of America signed a “fair-lending” contract with HUD. So did Countrywide.

HUD also pushed Fannie and Freddie, which in effect set industry underwriting standards, to buy subprime mortgages, freeing lenders to originate even more high-risk loans.

“Lenders should ensure that their loan processors and underwriters are aware of the provisions of the secondary market guidelines that provide various alternative and flexible means by which applicants may demonstrate their ability and willingness to repay their loans,” the policy statement decreed.

“Fannie Mae and Freddie Mac not infrequently purchase mortgages exceeding the suggested ratios” of monthly housing expense to income (28%) and total obligations to income (36%).

It warned lenders who rejected minority applicants with high debt ratios and low credit scores to “be prepared” to prove to federal regulators and prosecutors they weren’t racist. “The Department of Justice is authorized to use the full range of its enforcement authority.”

It took a little more than a decade for the negative effects of the assault on prudent lending to be felt. By 2006, the shaky subprime mortgages began to default. In 2008, the bubble exploded.

Clinton’s task force survived the Bush administration, during which it produced fair-lending brochures in Spanish for immigrant home-loan applicants.

And it’s still alive today. Obama is building on the fair-lending infrastructure Clinton put in place.

As IBD first reported in July, Attorney General Eric Holder has launched a witch hunt vs. “racist” banks.

“It’s a more aggressive fair-lending enforcement approach now,” said Washington lawyer Andrew Sandler of Buckley Sandler LLP in a recent interview. “It is well beyond anything we saw during the Clinton administration.”

Tom Perez, assistant attorney general for civil rights, recently testified that his division “continues to participate in the federal Interagency Fair Lending Task Force.” And he and the task force are working with the newly created Consumer Financial Protection Bureau to “enhance fair-lending enforcement.”

The fair-lending task force’s original policy paper undercuts the notion the financial crisis was all about banker “greed,” though it certainly played a role after the fact. Rather, it offers compelling evidence that the crisis evolved chiefly from government mandates and threats to increase lending to applicants who could not afford them.

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THE REAL MESS

August 10, 2011

What many people do not know is the real history of the problems we are having today and it was signed into law by jimmy (peanut farmer) carter in 1977 here’s the first link and on the right side is a map that the law was based out that is how the term red lining was created it was showing banks where the safe loans could be repaid and the red areas were showing much riskier areas.

Thus created the first banking crisis back in the late 1980’s the S&L’s debacle the community activists boycotted and attacked the S&L’s banks to charge them with red lining and deceit and deceptive loan process.  Because the S&L’s banks were receiving insurance money from the FDIC  that made the banks liable if they were ever sued in court.

Timeline of the Housing Crisis

 
These are the leading culprits who actually caused the subprime

mortgage collapse which then caused the current worldwide deep recession

1. Jimmy Carter pushed for and signed into law the
Community Reinvestment Act which forced banks to
lower their standards so that previously unqualified
people could get a mortgage.

2. Bill Clinton then doubled-down on the Community Reinvestment
Act and greatly lowered mortgage standards to
allow a lot more unqualified borrowers to get loans.

3. Bill Clinton’s Attorney General, Janet Reno, then intimidated
banks with threats of legal action if they
did not give loans to unqualified borrowers who
would not have the income to pay the loans back.

4. A member of the Clinton administration, Franklin Raines
was then put in charge of Fannie Mae by Bill Clinton. Fannie
Mae bought up a majority of the bad loans made by
banks to unqualified borrowers. Raines then falsified Fannie
Mae financial reports so he could collect bonuses
which totaled over $90 million for 5 years.

5. Senator Chris Dodd, head of the Senatorial Financial
Committee, suppressed efforts by President
George W. Bush and congressional Republicans to
rein in the corruption at Fannie Mae and Freddie Mac.
He got a very favorable loan by a bank associated
with Fannie Mae and Freddie Mac. He got large political
campaign contributions from Fannie Mae and
Freddie Mac.

6. Barney Frank, head of the House of Representatives
Banking Committee, also suppressed efforts by President
George W. Bush and Congressional Republicans to
investigate corruption at Fannie Mae and Freddie Mac.

7. Barack Obama, while he was an attorney, filed lawsuits
against banks on behalf of ACORN in order to
force banks to give loans to people who could not afford
to pay them back. Obama, while he was a U.S.
Senator, also suppressed efforts by President George
W. Bush and Republican Congressmen to investigate
and rein in Fannie Mae and Freddie Mac.