Vote 2010: United We Stand; Divided We ALL Fall!

When you are the leader in anything (even on Dancing with the Stars!) there is only one way to go – down.  And there are always many happily waiting to take you top spot.  America is the world leader and there are many ‘vultures’ who want us to slip so that they can be the world leader – number one.  As the lyricist Des’ree said, “You gotta be bad, you gotta be bold, you gotta be wiser, you gotta be hard, you gotta be tough, you gotta be stronger, you gotta be calm and you gotta stay together!”

America – we MUST stay together.  We MUST unite or divided we will all fall.  The rest of the world is uniting against us. Wake up! Unite!!! Did you hear or read the news report on Thursday that Russia is helping to build a nuclear power station?!  Read the following articles for details:

http://news.yahoo.com/s/nm/20101015/wl_nm/us_russia_venezuela_nuclear

http://edition.cnn.com/2010/WORLD/americas/10/15/russia.venezuela/

Most Americans want what’s good for America – we just have different ways we believe we should go about making America successful.  What we seem to forget is that there are more than one way to skin a cat, a deer or a gator.

If we continue to fight amongst ourselves as we are doing now, NONE of us will benefit.  Right now we are like a nation at a four way traffic intersection and we all moved at the same time. We are all in the middle of the intersection and no one wants to back up so we are all stuck. And everyone behind us is stuck and we’re backed up for miles without a solution in sight.

The top 10% of America has 90% of our wealth.  That 10% is receiving tax breaks from our government so that they will create good jobs in America and put us back to work.  But that’s not what they are doing.  They are taking the tax breaks and shipping tens of thousands of good paying jobs overseas.  This means that the top 10% are getting our tax monies from the government and they are getting more money by shipping our jobs abroad and saving millions. Why do the 10% wealthiest get to have their billion dollar cake and eat it too?  Why aren’t we screaming at them?

We have to look at who the real culprits are and rebel against THEM.  President Obama is giving these big businesses the tools they need to hire Americans.  These businesses have accepted the tools but they refuse to use it to help the middle class Americans they are suppose to help.  They are lining their pockets and sitting on their money eggs while we lose our jobs. 

America we have to unite against big business and we have to unite as a country before we drop from number one to number three or four.

We have to be smart citizen politicians.  We have to make decisions that help us; not the 10%.  We have to realize that the only way to rebuild America is for all of us to work together and get America out of the hole we’re in.  When we’re out of the hole we can debate our doctrines and personal preferences.

If we do not remain united, foreign powers will have a real opportunity to slip in and take bits and pieces of our country and businesses until they own America. Is that what we want to happen?

We can only point the fingers at ourselves if this great country collapses. 

This is not the time to snicker, bicker and point fingers.  Know is the time to set America right so we can continue to live in this great country as Americans and not become foreigners in our country.

So, what are you going to do?  Are you going to vote and unite America on November 2, 2010 and continue the work already started so we can all get jobs again?  Or are you going to vote to further divide the country and we will all fall?

United we stand. Divided we fall.

What are you going to do?

If America fails, which country do you want to rule America?  Which new language do you want to have to learn to speak?  Chinese, Russian, French?

United we stand. Divided we fall.

What are you going to do?

Peace, Love and Understanding!

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Economy: Why NOW May Be A Good Time To Refinance A Mortgage

Why Now May Be a Good Time to Consider Refinancing a Mortgage

By JENNIFER SARANOW SCHULTZ

 

With mortgage rates hitting record lows, it may be time to think about refinancing.

The rate on a 30-year fixed mortgage with no points hit 5.01 this week, slightly up from 5 percent last week but down from 5.97 percent this time last year, and the 15-year fixed mortgage rate hit 4.46 percent, compared with 4.47 percent last week, according to the latest data released Wednesday from Bankrate.com. These rates are at, or close to, the lowest levels since the company’s tracking began in 1985.

At the same time, the Mortgage Bankers Association said interest rates on the 30-year fixed-rate mortgages it tracks fell for a sixth straight week, remaining below the 5 percent level, “widely viewed as a psychological tipping point” according to this article.

The record lows are thanks to a combination of the Federal Reserve showing no inclination to raise short-term interest rates and investors and foreign central banks maintaining a healthy appetite for debt issued or guaranteed by the United States government, said Greg McBride, Bankrate.com’s senior financial analyst. And they come as many homeowners are finding themselves owing more than their house is worth and are having trouble making mortgage payments.

There is also a limited-time government program that helps people to refinance if they are slightly underwater. The “Home Affordable Refinance Program” is not as widely discussed as the related loan modification program. And it has been criticized by some housing experts for helping financial players profit. Still, it aims to help homeowners who have a mortgage balance equal to or greater than the value of their home refinance and obtain more affordable monthly mortgage payments.

The program is available until June of next year to homeowners who meet certain qualifications, including having loans owned or guaranteed by Fannie Mae or Freddie Mac and having a first mortgage that does not exceed 125 percent of the current market value of the home. (See if you qualify and find out how to apply if you do here).

With the risk that rates may not stay this low for long and that the government program will end, “there is a window of opportunity” for refinancing that will not be available for long, Mr. McBride said. He recommended that those who think they may not qualify for the program to double check what their home is worth to confirm this. Then, even if you don’t ultimately qualify, he suggested considering trying to refinance anyway if you are paying a higher rate on a fixed-rate mortgage or have an adjustable-rate mortgage.

“Today’s record low mortgage rates represent an opportunity for homeowners to refinance at lower fixed rates or to trade out of an adjustable rate mortgage before an inevitable increase in rates and lock in permanent payment affordability,” he said.

Are you considering refinancing in this environment? Why or why not? If so, what kinds of problems and hurdles, if any, have you run into trying to refinance? (Find more information about mortgages here and more information about loan modifications here).

Original link: http://bucks.blogs.nytimes.com/2009/12/02/why-now-may-be-a-good-time-to-consider-refinancing-a-mortgage/

Economy: Obama Wants Mortgage Firms to Reduce More Loan Payments

The Obama administration in a proactive move plans to announce a campaign on Monday, November 30 to pressure mortgage companies to reduce payments for many more troubled homeowners since the $75 billion taxpayer-financed effort aimed at slowing down foreclosures is stalling.

In an interview the Treasury Department’s Assistant Secretary for Financial Institutions Michael Barr said: “The banks are not doing a good enough job. Some of the firms ought to be embarrassed, and they will be.”

In recent months even as lenders have accelerated the pace at which they are reducing mortgage payments for borrowers a vast majority of loans modified through the program remain in a trial stage lasting up to only five months but only a tiny fraction of loans have been made permanent.

Mr. Barr said the government would try to use shame as a corrective, publicly naming those institutions that move too slowly to permanently lower mortgage payments. The Treasury Department also will wait until reductions are permanent before paying cash incentives that it promised to mortgage companies that lower loan payments. “They’re not getting a penny from the federal government until they move forward,” Mr. Barr said.

Lawyers who defend homeowners against foreclosure insist that mortgage companies amass ridiculously profitable fees from long-term delinquencies and that is more beneficial to them than lowering mortgage payments to affordable levels. In October an oversight panel created by Congress reported that less than 2,000 of the 500,000 loan modifications being processed had become permanent under the Making Home Affordable program. When the Treasury releases new numbers next month, it is expected to report a disappointingly small number of permanent loan modifications, with estimates in the tens of thousands out of the more than 650,000 borrowers now in the program.

Even as our economy tries to find its footing the Treasury department is under pressure to help every day Americans who should have been helped by the banks and financial institutions who benefited from the bailouts on Wall Street.  These financial institutions seem not to feel that they have any moral responsibility to help the hundreds of thousands of households falling into delinquency daily because of the economy and high unemployment numbers. These financial institutions are reporting massive profits but are not helping everyday Americans – they are lining only their own pockets.

The administration’s Making Home Affordable program was put into operation as a means of helping three to four million households from foreclosure but because of the greed of some financial institutions it seems that only 50% of those households will receive the help they should have received. The Obama administration is trying to outwit the financial institutions they helped by publicly putting pressure on these institutions to do what they promised to do.  A White House aide said that they will continue to refine the program as needed and will not be satisfied until more program participants are transitioned from trial to permanent mortgage modifications.

Watch President Obama’s Healthcare Plan In 4 Minutes!!!

The details President Obama outlines in this video are those that every American needs to know. No matter your political party or whether or not you have insurance, his plan for health care security and stability matters to all of us.

Millions of American citizens cannot get health insurance — and 14,000 are losing their insurance every day. If we do nothing, half of Americans under the age of 65 will lose their health insurance at some point in the next ten years.

That’s not right. Plain and simple. For Americans with insurance as well as those without it, inaction is not an option.  In America, no one should go broke because they get sick.

Bottom line — health insurance reform will provide more security and stability to those who have health insurance, coverage for those who don’t, and will lower the cost of health care for our families, our businesses, and our government.

As the President says, now is the time to deliver the change we need on health care.

Please pass on this information to your family, friends and social networks.

Please take four minutes and watch this video.

9/13/09: President Obama on 60 Minutes Re: Healthcare

Healthcare: Senator Edward (Teddy) Kennedy’s Letter To President Obama

Please read the Honorable Edward Kennedy’s letter to President Obama below.  The letter was delivered to our President after Senator Kennedy died.  Senator Kennedy said it all in his letter.

Let’s get this bill signed for Uncle Teddy.  It’s simple, click on the link below, plug in your zip code and the list of all your elected officials that you should call will pop up with their phone number.  Call each of your elected official’s office and simply say, “I am calling to express my support for President Obama’s healthcare reform plan” or something like that.  They’ll ask for your zip code – that’s it.  They won’t ask for any personal information — and if they do you don’t have to share it.  They are logging calls to keep count of  support for healthcare reform- you can also call more than once. 

When I worked in news and we got calls because a story impacted the public in some profound way each call was calculated as 100 people because they figure for every call they receive from the public 100 people were thinking of making that call.   We are trying to get 5,000 individual calls to every elected official.  Please call and encourage your friends to call as well…please.  Pass this information on.  Let’s get this done.

Let’s be able to look back one year from now and marvel at our tremendous accomplishment.  

Democracy is not a spectator sport – we all have to participate for it to work. Please participate today.

Let’s do this for the late and great Senator Edward M. Kennedy.  Click the link below.

Add your voice: Ask your representatives to support my plan for real health reform in 2009.

 

May 12, 2009

Dear Mr. President,

I wanted to write a few final words to you to express my gratitude for your repeated personal kindnesses to me – and one last time, to salute your leadership in giving our country back its future and its truth.

On a personal level, you and Michelle reached out to Vicki, to our family and me in so many different ways. You helped to make these difficult months a happy time in my life.

You also made it a time of hope for me and for our country.

When I thought of all the years, all the battles, and all the memories of my long public life, I felt confident in these closing days that while I will not be there when it happens, you will be the President who at long last signs into law the health care reform that is the great unfinished business of our society. For me, this cause stretched across decades; it has been disappointed, but never finally defeated. It was the cause of my life. And in the past year, the prospect of victory sustained me-and the work of achieving it summoned my energy and determination.

There will be struggles – there always have been – and they are already underway again. But as we moved forward in these months, I learned that you will not yield to calls to retreat – that you will stay with the cause until it is won. I saw your conviction that the time is now and witnessed your unwavering commitment and understanding that health care is a decisive issue for our future prosperity. But you have also reminded all of us that it concerns more than material things; that what we face is above all a moral issue; that at stake are not just the details of policy, but fundamental principles of social justice and the character of our country.

And so because of your vision and resolve, I came to believe that soon, very soon, affordable health coverage will be available to all, in an America where the state of a family’s health will never again depend on the amount of a family’s wealth. And while I will not see the victory, I was able to look forward and know that we will – yes, we will – fulfill the promise of health care in America as a right and not a privilege.

In closing, let me say again how proud I was to be part of your campaign- and proud as well to play a part in the early months of a new era of high purpose and achievement. I entered public life with a young President who inspired a generation and the world. It gives me great hope that as I leave, another young President inspires another generation and once more on America’s behalf inspires the entire world.

So, I wrote this to thank you one last time as a friend- and to stand with you one last time for change and the America we can become.

At the Denver Convention where you were nominated, I said the dream lives on.

And I finished this letter with unshakable faith that the dream will be fulfilled for this generation, and preserved and enlarged for generations to come.

With deep respect and abiding affection,

Ted

President Obama’s Healthcare Plan – We The People Like It!

Last night President Obama successfully laid out his plan for healthcare reform at a joint session of Congress. President Obama made it unequivocally clear to Congress that their recess is over, that their time of game playing is over and that it is time for them to get back to work and do the job they were hired to do by the American people.

The speech was a brilliant and was filled with specifics.

Can you imagine a healthcare system where you and your family and the rest of us cannot be turned away for treatment because of a pre-existing condition? 

Or your premiums cannot go up just because you get sick? 

And your health insurance carrier cannot ‘water down’ your benefits, period. 

And if you don’t have insurance you will get coverage!

How wonderful is all that?!

 The heart of President Obama’s plan is simple:

1. Bring stability and security to Americans who already have health insurance

2. Guarantee affordable coverage for those who don’t have health insurance

3. Stop the rising cost of health insurance
 
President Obama incorporated the best ideas from Democrats and Republicans to create a plan that’s bold, practical, and represents what the majority of Americans agree on.

President Obama reminded us that we’ve come closer to real healthcare reform in the last few months than we have in the last 60 years. But those who profit from our unhealthy healthcare system the way it is now will fight him and fight us every inch of the way so that there is no healthcare reform. Because of this, YOUR voice, right now, is necessary, indispensable and is very important.

Healthcare reform will not happen just because we want it. It can only come when we demand it. The only way Congress is going to pass healthcare reform is if they hear from you and me.  I have made my calls, sent emails and letters.  Will YOU and every adult in your house please do the same? 

Please support President Obama’s healthcare reform plan.  Go to President Obama’s link below:

Add your voice: Ask your representatives to support my plan for real health reform in 2009.

http://www.usa.gov/Contact/Elected.shtml

See President Obama’s full plan and call your representatives and encourage them to support it:

http://my.barackobama.com/SupportReform

Many of us spent a lot of time and energy to get President Obama elected; that was just the beginning.  Now we have to spend equal or more time making sure that he is successful implementing the policies we hired him to put into effect.

It is essential that you let your Senators and U.S. Representatives know that you support President Obama’s healthcare reform.

Democracy is not a spectator sport – we all have to participate for it to work.  Please participate.

Watch and listen to President Obama: