Archive for the ‘NAACP’ Category

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The Big Lie

April 7, 2017

What’s surprising is for almost 6 months now the media and the Democratic Party has been feeding a lie to the American voters. Past history of the senate rules were changed by Harry Reid during the 108th congress(2003-2004) that required all President George W Bush judicial federal nominees be required to get 60 votes to be confirmed. Prior to this liberal democratic senate rule change it only took 50 or 51 votes to confirm a judge to the federal position.

It was Harry Reid and the senate democrats intent never to let a conservative judge be confirmed that were nominated by President George W Bush. Harry Reid once again with the majority being the Democratic Party in the senate, Harry Reid again changed the rules in 2013 for district court judges and for the appellate courts. Harry Reid called it the nuclear option but in reality it was just going back to the rules in the senate prior to 2003.

Prior to the rules changes in 2003, the U.S. Constitution only required a super majority in the senate to do the following five things: 1) presidential vetoes, 2) removing or impeaching federal officials, 3) ratifying treaties with two-thirds voting in favor., 4) expelling congressional members either in the house or the senate., 5) Consititutional amendments

Harry Reid’s intense hatred of anything conservative was always on display when he was the senate majority leader. Harry Reid saw that the best way to further advance policies the american tax payers didnt like was the judicial branch if it couldn’t get past congress.

All this moaning by the media about wrecking the history of the senate is total garbage, harry reid did all that in 2003 and then again in 2013 just for two reasons political agenda and political ideology. Case in point is the court case that redefined what marriage was, the court case occurred because the democrats created all gays into being victims. It came to a boiling point when congress passed the bill D.O.M.A.(Defense of marriage act) willingly signed into law by Bill Clinton in 1996.

In reality all federal agencies could have rewritten regulations that permitted the recognition of gays being married without involving congress or the judicial branch. Because judges are appointed for life and can only be removed thru the impeachment process the judicial decisions often affect all americans nationwide. A small segment of gays who were tired of being the poster kid of victimization for the Democratic Party chose to go the judicial court route to get what they wanted after being lied to and bilked by the democrats for over 30 years.

It gets tiresome to hear over and over the untruths uttered by the legacy main stream media and the democrats on a daily basis. All Mitch McConnell is doing is bringing the senate judicial nominees rules back to pre-2003 and pre-harry reid.

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California

May 1, 2016

I am not surprised that the media is all agog in regards to the illegals rioting in Costa Mesa all because Donald Trump went to speak and exercise his right to freedom of speech.  Because the illegals disagree with his speeches they have the right to riot and destroy public and private property in Costa Mesa.

Freedom of speech is for everyone as long as you are a progressive, liberal, democrat, socialist, and or illegals.  If you are a conservative in anyway form or fashion your right of free speech or the right to gather or assemble for meetings and or conventions of any kind that is never to be tolerated.  Proof is in the media and they are glorifying the rioting and blaming trump for his speeches, for the cause of the riots.

If a republican or conservative disagrees with a democrat, liberal and or progressive they are considered to racist, homophobic, religion hating, and gender hating.  If a conservative disagrees with Obama regarding his politics that person is considered 100% racist.

I do not feel that a person breaking our nations laws by entering this nation illegally should not be rewarded and we need to get rid of the notion that if you are an illegal and your baby is born an American citizen, that was already decided by the Supreme Court that citizenship is passed onto your children only if one or both parents are already citizens of the United States.

The illegals should be arrested for making threats against legal citizens and legal immigrants who wish to have legal political rallies that the illegals disagree with so they have threatened to use violent demonstrations and rioting to disrupt all and any rallies for Donald Trump.  What’s fascinating is you do not see republican or conservative to even libertarians using violence at any Hillary or Bernie political rallies.

Hillary and Bernie are both accomplices to those who are using violence and riots because they disagree with what Trump is saying in his political speeches.  So if you disagree with Trump it is okay to destroy both public and private property because you do not hear or see either Hillary or Bernie asking their followers to stop the rioting it’s more of a wink and nod to those who riot.

Just because Trump is making speeches that people disagree with that does not give them the right to riot in the first place.  Demonstrate peacefully to get your point across, is more effective than rioting, Dr. Martin Luther King had the right approach. Demonstrate peacefully and let the other side commit the violence, during the civil rights marches you had the democrats fighting back with the police and national guard against peaceful demonstrators.  Dr. Martin Luther King had all peace marchers sign pledge cards not to respond with violence no matter what happens.

It’s time for those that are here illegally to go home demonstrate against their own governments, instead of demanding the right to vote and live in a country where they are living illegally.

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Joe Biden, Idiot Or Just Ignorant

February 25, 2015

Joe Biden, MOST incompetent vice president even more so than Al Gore, he stated in a speech that the govt must emancipate the peoples wealth, just as the democrats emancipated the slaves during the Civil War.

Last time I checked My history it was President Abrahman Lincoln who by presidential decree freed ended slavery while the democrats have done everything under the sun to bring back slavery and they have succeeded beyond theuir imagination by creating the economic slavery plantation.

They have another entire generation thinking that what the govt gives out is totally free such as the following

rental assistance

Medical coverage – subsidies – obamacare –

school: from kindergarten to college now

cars: cash for clunkers

Houses: Community Reinvestment Act: created the savings and loan scandal of the 1980’s, created the housing bubble in 2008, soon will cause another housing bubble again under new rules applied by congress in 2009.

credit scores: 2009 banking reform law: if your credit score is over 650 anytime you check it or it is checked then upto 10 points are taken and given to people with low credit scores

unempolyment benefits: no cut off or deadlines

welfare: all progress has been reversed from the welfare reform act of the 1990’s

Jobs: instead of working one fulltime job you will now need to work 2 jobs because employers are keeping the hours to under 30 hours to escape the penalty under obamacare.

Biden was talking about the 1% holding all the wealth but that is just smoke and mirrors, the democrats true target is the middle class because that is the segment of the population where the total wealth could run the federal govt for years.  Every action the democrats have passed into law has hurt the middle class and the poor making them more relient upon the federal govt.

The democrats  never emancipate anything or anyone, they just ENSLAVE them deeper to the federal govt.

Biden let the cat out of the bag by telling us that the democrats are going after the middle class wealth….

Just remember the DEMOCRATS have always been the party of slavery, they provoked a civil war to keep slavery….

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Obama And Living On 15,000 A Year

January 22, 2015

In obama’s state of the union speech he dared congress to live on minimum wage for a year aka 15,000 a year

only one problem in his poorly written speech, regarding the total yearly income.  obama forgot that each state has

income taxes or none at all.  in states like New York and California  an individual will pay total taxes including federal

taxes.nearly 55% of their income (all federal income taxes, obamacare taxes, state taxes, county taxes, city taxes, sales

taxes, gas taxes, (some states the sugar tax), cigarette tax, property taxes(these pay for fire, police, school, infrastructure city

government, county government, roads) , (some states driving on the road tax), utility taxes(water, gas,land line phone, and

cell phone), prescription taxes, doctors office visits.

So basically a single person tries to live on 7,500 or less a year, and that barely gives the single person a chance to actually

live. From the number of federal programs that could be cut is outrageous, there are almost 50 or more federal jobs training

programs that overlap or duplicate older programs that are just as effective, you could cut 39 to 41 programs and nobody

would notice except for the federal employees union would.

I was living in a state that was taking the same as federal income taxes each month because I was single and making over

31,000 a year, I was placed into the top 10% income earners tax bracket all because I had no dependents and no

deductions. Total taxes that I was paying each month was 1600, I was paying 61% of my income in total taxes…….

I am now  living in a state to where I am able to start saving for my retirement, and start investing my spare money that that

it will help with my retirement when I do retire.

We have a federal government that uses what is called base line budgeting that builds in a 10% budget increase for the

next federal budget and when congress gives itself a pat on the back for cutting the federal budget all they are cutting is just

the pace of the increase, not actually cutting the budget. Under the years of Sequester the budget that was used the

federal budget 2007, less than 10 pennies on 100 dollars was lost on each federal agency budget…….

Obama dares congress to live on 15 grand a year, when all the vacations that he has taken is over 44 million dollars,

compared to George W, Bush his vacations cost the tax payers 4 million total…………

Talk about not walking the talk, he challenges others but wont do it himself, he was born with a a silver spoon in his mouth

and expects others to pay for his life style.

I challenge obama himself to live on 15 grand and nothing else pay for his gas when local in D.C., live on bag lunches and

eat ramen noodles 3 to 5 nights a week…….and live on peanut butter toast during the mornings and powdered milk and no

govt programs……….

But like all democrats they are all show and emotions but no substance or ideas to actually solve a problem….

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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.