I would rather live my life as if there is a God, and die to find out there isn’t, than live my life as if there isn’t, and die to find out there is!

Tuesday, December 30, 2008



Do you know anyone who was diagnosed with Type 2 Diabetes in the last five years who was subsequently declared healed? The medical establishment is very reluctant to ever declare someone healed of this disease. Yet they did, and the answer to the question is “yes” if you know me.

Do you know anyone who, in the past three years had abdominal surgery to repair hernias (up to 3), who, when the surgeon began the surgery found there were actually 5? It took a rather large piece of surgical mesh to fix them all, and resulted in a very painful recovery. The answer to the question is “yes” if you know me.

Do you know anyone who, in the past three years was diagnosed with, and cured of, prostate cancer? The cure involved both radiation and hormone therapy. Daily radiation for seven weeks (37 days) and a year of hormone therapy. A year of hormone therapy will give men a whole new empathy for women in menopause! The answer to the question is “yes” if you know me.

Do you know anyone who, in the past year, was diagnosed with Deep Vein Thrombosis (blood clot in the upper leg) and subsequently cured. A portion of the cure required daily self-injection (sometimes twice a day). The answer to the question is “yes” if you know me.

By now you are probably wondering if there is a point to all of this. And yes, there is. I am celebrating the fact that I will enter 2009 much healthier than I have entered any year in the past five years. That is a good thing. That is a result of several miracles. I am about as healthy as I can be, except I ought to lose a few pounds. I will work on that in 2009.

So, how did I get healthy… Well, I am a Christian and I believe it is the result of the prayers of many people. I believe God answered those prayers and healed me. Often when He performs miracles we have a part to play, and I had a part to play in each of the healing miracles above. But He did the healing. All glory be to Him.

Be blessed,

Love all – Trust some – Harm none


Link to me at: http://www.linkedin.com/home
Follow me at: http://twitter.com/wcweeks

Saturday, December 27, 2008


This is currently going around the internet. I got it from my lovely wife, and felt it was worthy of posting here.
On Getting older:
I am entitled to eat that extra cookie, or not make my bed, or to buy that silly cement gecko that I didn't need, but looks so avante garde on my patio. I am entitled to a treat, to be messy, to be extravagant.

I have seen too many dear friends leave this world too soon; before they understood the great freedom that comes with aging.

Whose business is it if I choose to read or play on the computer until 4 AM and sleep until noon?

I will dance with myself to those wonderful tunes of the 60&70's, and if I, at the same time, wish to weep over a lost love ......... I will.

I will walk the beach in a swim suit that is stretched over a bulging
body, and will dive into the waves with abandon if I choose to, despite the pitying glances from the jet set.

They, too, will get old.

I know I am sometimes forgetful. But there again, some of life is just
as well forgotten. And I eventually remember the important things.

Sure, over the years my heart has been broken. How can your heart not break when you lose a loved one, or when a child suffers, or even when somebody's beloved pet gets hit by a car?

But broken hearts are what give us strength and understanding and compassion. A heart never broken is pristine and sterile and will never know the joy of being imperfect.

I am so blessed to have lived long enough to have my hair turning gray, and to have my youthful laughs be forever etched into deep grooves on my face.

So many have never laughed, and so many have died before their hair could turn silver.

As you get older, it is easier to be positive. You care less about what
other people think. I don't question myself anymore. I've even earned
the right to be wrong.

So, I like being old. It has set me free. I like the person I have become. I am not going to live forever, but while I am still here, I will not waste time lamenting what could have been , or worrying about what will be.

And I shall eat dessert every single day. (If I feel like it)

For my true friends reading this post:


Be blessed,
Love all – Trust some – Harm none

Link to me at: http://www.linkedin.com/home
Follow me at: http://twitter.com/wcweeks


Saturday, December 20, 2008

Jesus is NOT the reason for the season


At this time of the year there seems to be ample reminders that “Jesus is the reason for the season.” That got me thinking, and caused me to conclude that is not really correct. Jesus is NOT the reason for the season. Oh, I think the idea behind the original campaign was a good one: it was to get us thinking about Jesus rather than the commercialism that is rampant in December. Lord knows we need that.

We human beings are the reason for the season. We were sinners bound for hell, but Jesus came born as a baby, human like us; lived a sinless life (unlike us) and died for us. We are the reason He came. If it weren't for our sinful nature and behavior, He wouldn't have had to ever leave Heaven. But for us, He came in the flesh to live amongst us, to teach us, and to die for us. He endured death on a Roman cross so that you and I can be assured of eternal life. Had we been capable of not sinning, there would be no celebration of Jesus birth, because He would not have needed to come to save us. But He needed to die for us to take away our sins… and He did.

So, you see, Jesus is not the reason for the season; we are. What an awesome God we serve!

Have a GREAT CHRISTmas !


Love all – Trust some – Harm none

Link to me at: http://www.linkedin.com/home
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Wednesday, December 17, 2008



I am sure you have seen to media replays of the reporter throwing his shoes at President Bush in Baghdad a couple of days ago. I doubt anyone missed it as much time and replays as they gave it.

Some thoughts relating to that incident:

President Bush is still the leader of the free world. I don’t care what your politics are; proper respect needs to be show to the office. Just because a reporter is ashamed that we, a country half a world away, had to come and save his country from a tyrannical dictator, that does not give him permission to besmirch the top office of the country who saved him.

This reporter is nothing but a cowardly weasel. Had he the courage to try that with the tyrant we removed for him, Saddam Hussein, the outcome for him would have been very different. My guess is he would have been treated the pleasure of watching his wife being repeatedly raped and then witness to her murder. Probably followed by the torture and murder of his children and parents. After he had been forced to watch it all, he himself would be tortured and murdered.

Say what you want about Bush; he took it in stride.

This sort of behavior from the people of Iraq makes me think perhaps President Elect Obama may be correct. Maybe we should get out of Iraq. Let’s see how well they do on their own.



Love all – Trust some – Harm none

Link to me at: http://www.linkedin.com/home
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Tuesday, December 16, 2008

Just One More Time…

Just One More Time…

There are a few times in life that I am simply overwhelmed. They are typically times brought on by events that create extreme emotion. They are times like: The birth of a child, the loss of a family member or close friend, even the loss of a much-loved pet. Or, it could be something like getting a long awaited, and well earned promotion. Some people even get emotional over material things. I don’t. Things that create overwhelming emotion in me are always connected to living things. You know, people or animals.

I had such a day recently. In fact I had a few such days in succession. Home on a weekend, I checked my incoming email. There was one from “wbcox” and the subject line was “old guys.” Though it did not get caught by my spam filter, my first thought was that it should have been.

It turned out to be an old shipmate (and pal) of mine from my Navy days. We served together 45 years ago in Carrier Airborne Early Warning Squadron VAW – 13. And almost 45 years ago was our last contact. This contact exchange brought about overwhelming emotion for me. In addition, WB has contact with others from those days and has provided contact information. Just today (12/15) I spoke with Tuner Johnston by phone. He is another old crony of mine. I will admit to a couple of tears when we hung up.

I loved these guys… we served our country together, and I will say I would have been willing to take a bullet for some of them, and I am sure they would have done the same for me. It was a great time, and this contact brought back a flood of memories. WB has also directed me to some on-line sites featuring many photos from way back then. I can once again see the planes I flew in via photos. So this is what caused overwhelming emotion in me… I am blessed by this re-connection and I don’t plan on letting it go. It will be God who separates us (temporally), when we are next separated.

So, I wish we could all go back 45 years, and do it Just One More Time. Just one more liberty together. One more night on the town with WB, Tuner, Ron Peck, Bill Green, Hugh Crews, Monk and a few more… oh yeah, I want us all to be just as we were then… Long live THE ZAPPERS!

In the Grip of Grace,

Wayne (ECM Weeks)


Love all – Trust some – Harm none

Link to me at: http://www.linkedin.com/home
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Wednesday, December 10, 2008

Purging Politicians


By now you all have heard the news about Illinois governor Rod Blagojevich. It seems he is in a bit of hot water. Do you wonder why the people we trust to represent us and protect our interests continue to violate that trust over and over? There are primarily two reasons: First, they can. Its as simple as that. We put them in a position to extract thousands of dollars via graft and corruption and then we point to the greed trough and say “go get it!” We should not be surprised with their behavior. Second, we don’t do anything when they violate our trust. There is not a penalty or punishment that is appropriate to the violation. The corrupt politicians have no reason to fear being found out. Very little negative results will befall them.

OK… I have defined the problem and there is nothing new there, You all knew all of that. So what is the answer? How do we correct this corrupt behavior and purge the system of the lying, stealing scum bags? Actually, that is easier than you would expect, but it does require we have enough intestinal fortitude to really want to change the system. I give you two solutions:

1. Any politician found guilty of any crime above a simple misdemeanor is to be sentenced to death. No right of appeal, and the sentence is to be carried out within 30 days of being found guilty.

Clearly, everyone will carefully consider this when deciding whether or not to run for public office. If a potential candidate knows himself/herself well enough to know they may fall to temptation, they simply won’t run. The risk would be to great. The result will be a new breed of politicians with high moral values. This would be a good thing.

2. This solution is really for those of you who don’t have the grapes to endorse number 1. Any politician found guilty of any crime above a simple misdemeanor is to be sentenced a lifetime of poverty. For the remainder of their life they cannot own anything. And I mean they can own NOTHING. They cannot own a home, an automobile, a corporation, a trust. They cannot have a bank account. They can own cloths and food only. Also, no one else can own anything for their (the corrupt politician) benefit. Anyone caught attempting to usurp the sentence of the politician will be immediately subject to the same punishment as the politician. They will join him/her in a lifetime of poverty.

This can work people! Write your congressman… Oh, wait a minute. I don’t think you will get their vote…

Be blessed,

Love all – Trust some – Harm none


Friday, December 5, 2008

Harry Truman after the presidency

Harry Truman after the presidency--interesting

I checked this story out at Snopes, and while they were unable to confirm a couple of the representations, it appears to be true.

Harry Truman, from Missouri, was a different kind of President. He probably made as many important decisions regarding our nation's history as any of the other 42 Presidents. However, a measure of his greatness may rest on what he did after he left the White House.

Historians have written the only asset he had when he died was the house he lived in, which was in Independence Missouri . On top of that, his wife inherited the house from her Mother.

When he retired from office in 1952, his income was a U.S. Army pension reported to have been $13,507.72 a year. Congress, noting that he was paying for his stamps and personally licking them, granted him an 'allowance' and, later, a retroactive pension of $25,000 per year.

After President Eisenhower was inaugurated, Harry and Bess drove home to Missouri by themselves. There were no Secret Service following them.

When offered corporate positions at large salaries, he declined, stating, 'You don't want me. You want the office of the President, and that doesn't belong to me. It belongs to the American people and it's not for sale.'

Even later, on May 6, 1971, when Congress was preparing to award him the Medal of Honor on his 87th birthday, he refused to accept it, writing, 'I don't consider that I have done anything which should be the reason for any award, Congressional or otherwise.'

He never owned his own home and as president he paid for all of his own travel expenses and food.

Modern politicians have found a new level of success in cashing in on the Presidency, resulting in untold wealth. Today, many in Congress also have found a way to become quite wealthy while enjoying the fruits of their offices. Political offices are now for sale.

Good old Harry Truman was correct when he observed, 'My choices early in life were either to be a piano player in a whore house or a politician. And to tell the truth, there's hardly any difference.'

Be blessed,


Love all - Trust some - Harm none

Thursday, December 4, 2008


Fed Looks To Unfreeze Credit With Term ABS Loan Facility

On the same day as its announcement of a $600 billion program to buy the direct obligations and mortgage-backed securities of the housing-related government-sponsored enterprises, the Federal Reserve Board said it would create a facility that will help market participants meet the credit needs of households and small businesses by supporting the issuance of asset-backed securities (ABS) collateralized by student loans, auto loans, credit card loans and loans guaranteed by the Small Business Administration.

The facility, called the Term Asset-Backed Securities Loan Facility (TALF), aims to increase credit availability and support economic activity. Under the TALF, the Federal Reserve Bank of New York (FRBNY) will lend up to $200 billion on a nonrecourse basis to holders of certain AAA-rated ABS backed by newly and recently originated consumer and small business loans.

The FRBNY will lend an amount equal to the market value of the ABS less a haircut and will be secured at all times by the ABS. The U.S. Treasury Department, under the Troubled Assets Relief Program of the Emergency Economic Stabilization Act of 2008, will provide $20 billion of credit protection to the FRBNY in connection with the TALF.

SOURCE: Federal Reserve via MortgageOrb.com


Home Price Declines Continue Through Third Quarter

Broad-based declines in the prices of existing single-family homes across the U.S. continued through September, according to Standard & Poor's S&P/Case-Shiller U.S. National Home Price Indices.

The decline in the index, which covers all nine U.S. census divisions, remained in double digits, posting a record 16.6% decline in the third quarter of 2008 versus the third quarter of 2007. This has increased from the annual declines of 14.0% and 15.1%, reported for the first and second quarters of the year, respectively.

The 10-City and 20-City Composites continue to set new records, S&P adds, with annual declines of 18.6% and 17.4%, respectively.

“The turmoil in the financial markets is placing further downward pressure on a housing market already weakened by its own fundamentals.” says David M. Blitzer, chairman of the Index Committee at S&P. “All three aggregate indices and 13 of the 20 metro areas are reporting new record rates of decline. Looking at the returns of the U.S. National Index, prices are back to where they were in early 2004.”

Phoenix was the weakest market, reporting an annual decline of 31.9%, followed by Las Vegas, down 31.3%, and San Francisco at -29.5%. Miami, Los Angeles, and San Diego did not fair much better, with annual declines of 28.4%, 27.6% and 26.3%, respectively.

SOURCE: S&P via MortgageOrb.com

Be blessed,


Love all - Trust some - Harm none


Sunday, November 23, 2008


It is hard to believe but in a few days, those of us in the United States, will celebrate our annual Thanksgiving Day. A time set aside to remind all of America to once again look up, and thank our Creator for the abundant blessings we all enjoy. Someone once said that the road to degradation and sin begins with an ungrateful spirit. People have abundance but want more, and are not grateful for what they have. This we have seen in young and old alike. So how can we turn this around? Let me suggest a couple of things that might help: First, look around you and count all the things you have that others might not have. Begin with the tangibles such as job, house, clothing, health, etc., etc. Next, count the intangibles such as friends, family, purpose, the opportunity to live here in the United States enjoying relative peace and prosperity, and so on. Now ask yourself how you were able to accumulate all of this. Some might be so arrogant as to say "I earned it myself." That attitude is the first step toward degradation and sin. We need to look to our Creator, the God of Abraham, Isaac and Jacob, and express our thanks to Him for being so good to us. We don't deserve it, but by His grace we have it, and we ought to thank Him for His goodness towards us. Remember that all assets belong to God. We are simply stewards of His property. It does not belong to us. Thank Him for His trusting you to care for His property. Thanksgiving means a lot more than eating turkey.


The First Thanksgiving Proclamation (June 20, 1676)

On June 20, 1676, the governing council of Charlestown, Massachusetts, held a meeting to determine how best to express thanks for the good fortune that had seen their community securely established. By unanimous vote they instructed Edward Rawson, the clerk, to proclaim June 29 as a day of thanksgiving, our first. That proclamation is reproduced here in the same language and spelling as the original.


"The Holy God having by a long and Continual Series of his Afflictive dispensations in and by the present War with the Heathen Natives of this land, written and brought to pass bitter things against his own Covenant people in this wilderness, yet so that we evidently discern that in the midst of his judgments he hath remembered mercy, having remembered his Footstool in the day of his sore displeasure against us for our sins, with many singular Intimations of his Fatherly Compassion, and regard; reserving many of our Towns from Desolation Threatened, and attempted by the Enemy, and giving us especially of late with many of our Confederates many signal Advantages against them, without such Disadvantage to ourselves as formerly we have been sensible of, if it be the Lord's mercy that we are not consumed, It certainly bespeaks our positive Thankfulness, when our Enemies are in any measure disappointed or destroyed; and fearing the Lord should take notice under so many Intimations of his returning mercy, we should be found an Insensible people, as not standing before Him with Thanksgiving, as well as lading him with our Complaints in the time of pressing Afflictions: The Council has thought meet to appoint and set apart the 29th day of this instant June, as a day of Solemn Thanksgiving and praise to God for such his Goodness and Favour, many Particulars of which mercy might be Instanced, but we doubt not those who are sensible of God's Afflictions, have been as diligent to espy him returning to us; and that the Lord may behold us as a People offering Praise and thereby glorifying Him; the Council doth commend it to the Respective Ministers, Eldersand people of this Jurisdiction; Solemnly and seriously to keep the same Beseeching that being persuaded by the mercies of God we may all, even this whole people offer up our bodies and souls as a living and acceptable Service unto God by Jesus Christ."


I always thank God for you because of his grace given you in Christ Jesus. For in him you have been enriched in every way--in all your speaking and in all your knowledge--
1 Corinthians 1:4,5

For everything God created is good, and nothing is to be rejected if it is received with thanksgiving,
1 Timothy 4:4

Be blessed,

Love all - Trust some - Harm none


Thursday, November 20, 2008

Should Christians Honor Barack Obama?


Meet Doug Giles. He always has an interesting perspective.

Should Christians Honor Barack Obama?
By Doug Giles (Google him)

Christians, who take the scriptures seriously, are about as happy about an Obama presidency as a pig is a bacon sandwich. Stoked we ain't. And it isn't because Barack is black. Personally, I think it is great that our nation has a black president, and I say this officially ends all the "oppressive white devil" blather. Yep, no mas "blanco el Diablo," por favor. We have now "evolved."

This means Jesse Jackson and Al Sharpton can formally zip it. I think that's why Jackson was crying last Tuesday night ... he done. A black man is now the most important person on the planet, and it's not Jesse! Plus, Jackson's on tape saying he wanted to cut Obama's balls off, and now Barack's going to spread Jesse's wealth. That'll make a grown man cry. So close, Jackson, yet so far away.

Back to the church. What concerns Christians who are governed by the scriptures, and not Oprah, are Obama's liberal-to-the-core stances on abortion, marriage, socialism, freedom of speech, big government, taxes, guns and his associations with Marxist radicals. That's what freaks believers who actually believe, and not, I say, not the levels of melanin in Obama's epidermis.

As a believer, here's how I'm trying to deal with this: If God is omniscient then ... uh ... he knew this was coming; if he is omnipotent then ... hello ... he allowed this to happen; and if he's still omnipresent (and I'm pretty sure he still is) then he is still with us. So, essentially, providentially, we got what God wanted us to have. Time will tell whether or not He's propping us up for a major national butt whuppin' or our tricky God is going to bring a back door unexpected blessing from someone most Christians assume God would never use.

Now, if we truly follow "Hey-soos," then we're commanded, not suggested, to respect and pray for those who have authority over us. We cannot pick and choose which texts we're going to obey and disobey when it comes to Christian conduct. I wish we could, because I'd like to slap the snot out of my neighbor who blares techno music from his balcony at 4:00 a.m., but alas, I can't.

"Honor," biblically speaking, in Greek, according to Yahweh, means not to be a braying d-bag like Al Franken, and "pray" for our leaders denotes all kinds of prayers, not just the "now I lay me down to sleep" stuff. Matter of fact, for a type of prayer that gets all the attention of Michael Moore's personal Gutbuster DVD, check out James Adams' book War Psalms of the Prince of Peace. This is an interesting book on a certain kind of biblical entreaty commonly utilized by Jesus and the saints in the Old and New Testament. I guarantee you have never heard these prayers prayed, preached or sang lately in your churches. Google it, get two copies (one for you and one for your pastor) and get back with me on how they have spiced up your prayer time. Our nation could depend on it.

Now back to the issue of honor. Christian, you don't want to mimic the unhinged loons on the left who sport Bush Derangement Syndrome with an equally obnoxious Barack Derangement Syndrome, do you? Also, just so you do not misinterpret what I mean when I say "honor," I'm not talking about wearing buttsmacker lip balm. True honor means we show respect and ... I said AND ... oppose, reprove or rebuke Obama when we think he's wrong. The Christian is commanded to do this if he or she truly loves someone. We just gotta make sure we do it with dignity and don't sound like the nasally, nerve-gratingly nasty demon toad lady named Janeane Garofalo.

Christian, are we really surprised McCain got McDusted? What did we think was going to happen in this election? Did we really believe McCain was going to become president in this TV-addicted, American Idol-addled culture? Huh? We can't run a guy who ticks off his base and looks like Uncle Fester - hero or not - against an electric Tiger Woods who has a billion bucks and a huge cult following. Haven't we learned anything from Dancing with the Stars? Leachman was destined to lose to Lucci. McCain/Palin had a snowball's chance in Miami of winning this thing.

Speaking of Palin: To Fox News' Carl Cameron and the McCain campaign punks who are dissing Palin, you dingleberries are truly pathetic. What's next? Are you going to spray-paint old people at the mall? Drown some kittens? Pull the legs off spiders? All of you are a disgrace and are not worthy enough to unlatch Palin's pumps.

Finally, my Christian hope is this: Hopefully now the church will officially get off its backside and go look for its dust-covered bible it uses to read and believe. After we find our forsaken sacred text and once again peruse its pages, I hope there is widespread and heartfelt repentance for whizzing on its precepts. In addition, I hope that conservatives, after having had our butts handed to us, will turn our attention to a search and rescue mission for the baton that was lost when Reagan left office, and then attempt to hand it to someone on the right who has more unction than that of a hinge.

From me, but not by me,
Be blessed,

Love all - Trust some - Harm none



Sunday, November 16, 2008


Water… the elixir of health

I am sharing this one with you because I think it is very strange. Three or four months ago I started drinking a liter (1.05 Qt.) of water first thing in the morning. Before eating or drinking anything else a full liter of water. This is after brushing my teeth however. I still do this to this day. I am not really sure why I started it, but probably because I need to drop a few pounds and we all know water helps the weight loss process.

After the liter of water, I drink coffee. I don’t start drinking coffee first because I know if I do I will never get to the water. After 2-3 cups of coffee it’s time for the treadmill (dreadmill). I drink another 20 oz. of water during that workout. So a lot of water each morning.

My overall health is much improved over a few months ago. Coincidence, perhaps, but there is one thing certain… I have reduced my BP medication by 50% recently. I check it frequently and yesterday it was 118/74. That’s pretty darn good considering the reduction in medication. May be off it all-together in the not too distant future.

Why am I telling you all of this?

Because a couple of days ago a friend of mine sent me an email that contained the following:

It is popular in Japan today to drink water immediately after waking up every morning. Furthermore, scientific tests have proven its value. We publish below a description of use of water for our readers. For old and serious diseases as well as modern illnesses the water treatment had been found successful by a Japanese medical society as a 100% cure for the following diseases:

Headache, body ache, heart system, arthritis, fast heart beat, epilepsy, excess fatness, bronchitis asthma, TB, meningitis, kidney and urine diseases, vomiting, gastritis, diarrhea, piles, diabetes, constipation, all eye diseases, womb cancer and menstrual disorders, ear nose and throat diseases.


1. As you wake up in the morning before brushing teeth, drink 4 x 160ml glasses of water .....interesting

2. Brush and clean the mouth but do not eat or drink anything for 45 minutes

3. After 45 minutes you may eat and drink as normal.

4. After 15 minutes of breakfast, lunch and dinner do not eat or drink anything for 2 hours

5. Those who are old or sick and are unable to drink 4 glasses of water at the beginning may commence by taking little water and gradually increase it to 4 glasses per day.

6. The above method of treatment will cure diseases of the sick and others can enjoy a healthy life..

The following list gives the number of days of treatment required to cure/control/reduce main diseases:

1. High Blood Pressure - 30 days

2. Gastric - 10 days

3. Diabetes - 30 days

4. Constipation - 10 days

5. Cancer - 180 days

6. TB - 90 days

7. Arthritis patients should follow the above treatment only for 3 days in the 1st week, and from 2nd week onwards - daily.

This treatment method has no side effects, however at the commencement of treatment you may have to urinate a few times.

It is better if we continue this and make this procedure as a routine work in our life.

Drink Water and Stay healthy and Active.

Wayne again:
OK… some of that is a bit over the top. I am not too sure about some of it, like the cancer and TB, but there may be something to some of it. I don’t know what else to credit the drop in my blood pressure to. Well, who knows? Do what you wish with it.

Be blessed,

Love all – Trust some – Harm none



Saturday, November 15, 2008

Another Foreclosure Prevention Plan

Another Foreclosure Prevention Plan
(Everybody has one)

The FDIC explained what it wants to do:

Although foreclosures are costly to lenders, borrowers and communities, the pace of loan modifications continues to be extremely slow (around 4 percent of seriously delinquent loans each month). It is imperative to provide incentives to achieve a sufficient scale in loan modifications to stem the reductions in housing prices and rising foreclosures.

Modifications should be provided using a systematic and sustainable process. The FDIC has initiated a systematic loan modification program at IndyMac Federal Bank to reduce first lien mortgage payments to as low as 31% of monthly income. Modifications are based on interest rate reductions, extension of term, and principal forbearance. A loss share guarantee on redefaults of modified mortgages can provide the necessary incentive to modify mortgages on a sufficient scale, while leveraging available government funds to affect more mortgages than outright purchases or specific incentives for every modification. The FDIC would be prepared to serve as contractor for Treasury and already has extensive experience in the IndyMac modification process.

Basic Structure and Scope of Proposal

This proposal is designed to promote wider adoption of such a systematic loan modification program:

1. by paying servicers $1,000 to cover expenses for each loan modified according to the required standards; and

2. sharing up to 50% of losses incurred if a modified loan should subsequently re-default

We envision that the program can be applied to the estimated 1.4 million non-GSE mortgage loans that were 60 days or more past due as of June 2008, plus an additional 3 million non-GSE loans that are projected to become delinquent by year-end 2009. Of this total of approximately 4.4 million problem loans, we expect that about half can be modified, resulting in some 2.2 million loan modifications under the plan.

What many believe this really is:
$24.4 billion in welfare to people who deliberately bought more house than they could afford, paid for by us taxpayers who lived within our means. The only thing "aggressive" about this proposal is how aggressively the government would raid our wallets.

Many people have the attitude that the homeowners in trouble should not be helped at all. They feel that since those homeowners in trouble were reckless with decision to purchase a home they should just have to suffer the consequences. After all I purchased a home I could afford. If we help those who were reckless am I not being penalized for being financially prudent? That attitude is all to indicative of what is wrong with our country.
Are you really that blinded by greed and anger? If you're responsible for yourself and your family, why feel such anger and hate towards your neighbor? If 5 houses on your block, or in your neighborhood fall into foreclosure - do you not see that it affects you? That's 5 houses that just depreciated in value - bringing your home value down. That's 5 homeowners not paying taxes - yours will go up next year when the cops/firefighters/garbage pick-up/public workers/water dept..... etc. bill isn't fully funded. That's 5 families that don't shop at the local grocery store anymore. 5 families that don't eat at local restaurants, buy cars at the dealers in town. All of those places that you may be just blindly assigning as 'wasteful' - they also pay taxes to your municipality and State. They are now also going broke, so do the math.

Is it a frustrating situation? Sure. But spewing anger against those less fortunate and suffering does nothing to help the situation. This is a nationwide problem and every American should want it fixed just as soon as possible. Then we all win!

Be blessed,


Love all – Trust some – Harm none


Friday, November 14, 2008


Our government at work

OK… let’s see what they have done for us lately:

They failed to regulate the mortgage industry sufficiently…

They failed to slow the pace of run-away foreclosures…

They failed to regulate Wall Street sufficiently…

They failed to stabilize our economy…

They failed to prevent massive layoffs and unemployment…

They are using $700 billion of our dollars to try and fix their mistakes…
(any bets on their sucess)

They failed to get us out of the Iraq war in a timely manner…

The list could go on and on but one must stop somewhere.

So they must be effective at something they attempt…True?

Yes, of course they are. We should not let the above list of small failures prevent us from recognizing when they do something right, should we? And this one is gigantic compared to the above items.

Just look at the great job they are doing on getting the word out about the February 19th change to all digital television. We get thousands upon thousands of warnings every day. If I never see another one it will too soon!

WTH… With everything going on right now that is the most important thing to them? And guess what? If you are so lame as to be still watching TV with a rabbit ear antenna, via the airwaves, the government will give you a high dollar voucher to get the necessary converter. Hummmmm…. I wonder who is paying for that? YOU ARE! That’s who!

Hey, wait a minute… I don’t have TiVo. There must be some way the government will get it for me. And no iPod either. Since I don’t need the digital TV converter can I have a voucher of equal value towards one of these?

Well, in the event we really do enter another great depression at least we all can watch digital TV. That will give something to do while sitting at home with no job or money. This assumes we will have a home.

God bless,

Love all – Trust some – Harm none



Tuesday, November 11, 2008

Coffee, the economy and foreclosures


Neither my wife nor I have ever been big Starbuck’s fans. That does not mean we have never been there. It just means it is a rare occasion for either of us. It’s just not our thing. Oh, we both like coffee… we just like our own better than Starbuck’s. We buy coffee from Cosco. Typically a 3 pound bag for $11.00. That lasts us a month, and we make a 60 oz. pot every day. OK, time to do the math. This is going to be easy. Let’s just divide the $11.00 by 30 days in a month. The result is .37. So it costs us just 37 cents per day for our coffee habit, or a bit less than 19 cents each per day. On a per ounce basis that is not much. You can do that math. Since Starbuck’s gets $1.80 (or thereabout) for a 12 oz cup (I think) that is 15 cents per oz. Clearly my cost per oz is no where near that. In fact it is just a bit over ½ cent per oz. So… Starbuck’s coffee costs 30 times what it cost me to make my own at home.

Bear in mind I get 60 ounces for 37 cents. So I get 5 times the coffee that Starbuck’s gives you for the $1.80 you give them. Let’s assume you buy one cup each day at Starbuck’s, but only 5 days a week, in the course of a year you will have spent $468.00. While I would get 5 times the amount of coffee, way more than I can drink, and it will only cost me $132.00 per year. And the $132.00 provides all the coffee that TWO of us want. So Starbuck's coffee costs at least 10 times what mine does, but I get 5 times the amount.

In view of the economy you might consider making your own coffee at home. For some people this can be quite an annual savings.

Government's mortgage relief program gets few takers

The federal government's Hope for Homeowners program launched Oct. 1 was initially projected to help as many as 400,000 struggling borrowers avert foreclosure over the next three years. But fewer than 100 homeowners applied for the program in October, and the Federal Housing Administration now projects that just 13,300 will be helped in its first year. An FHA official said at a mortgage industry conference recently that one large lender had reported that in a group of 23,000 troubled borrowers only 1,200 would be eligible for the program.

So it seems that the answer for homeowners in trouble won’t be the federal government.

Remember, I provide foreclosure prevention and loan modification services. If you know a homeowner in trouble on a mortgage, suggest they call me. You will be doing them a favor.

Be blessed,

Love all – Trust some – Harm none


Friday, November 7, 2008

Words of counsel concerning the US post election time...

This is from my friend and brother - Dan Hubbell
I feel led of the Spirit to share with you what I discern to be a Godly response to the US national election results. I would strongly counsel everyone to focus on some basic Scriptural truths about our citizenship responsibilities:

1) Governments rise and fall as He ordains - Daniel 4:32 and Romans 13:1-5

2) We are to pray for our leaders - I Timothy 2:1-3

3 ) We are commanded to pay our taxes and render honor to those in authority - Romans 13:6-7; I Peter 2:13-17

4) We are not to speak evil of rulers - II Peter 2:9-10

5) Any nation that fears the Lord will reap blessings and any nation that does not will suffer His judgment - Proverbs 14:34; Psalms 2:1-12

6) Always remember that our ultimate citizenship is in heaven - Philippians 3:20-21; Acts 17:24-27

7) Concerning a broader perspective view of world events, I feel strongly in my spirit that we are imminently facing very difficult days ahead, and yet at the same time, glorious days. Calamities of all kinds will continue to increase, persecution of believers will increase greatly, and at the same time, the Gospel of the Kingdom will be powerfully lived out and proclaimed to all nations of the world.

8) Remember and take comfort in what Jesus said, "And when these things begin to come to pass, then lift up your heads; for your redemption draweth nigh!" (Luke 21:28)

Love in Him,

Dan Hubbell
His servant
From "a hired house"(Acts 28:30-31)
Winnsboro, Texas USA


Thursday, November 6, 2008

Voter Rape

As I write this I am very irritated. In fact I am steaming mad. The polls in California had barely closed when the lawsuits were filed. It seems that the ACLU, the San Francisco City Attorney and several others have filed lawsuits challenging the legality of Prop 8. For you readers that aren’t in the state of the fruits and nuts, that is the "marriage is a man and a woman" proposition. It was a hard fought campaign on both sides and at the end of the day it had passed. Those voters voting "yes" prevailed over those voting "no." Most reasonable thinking people would say that is the end of it. The voters have spoken, right?

Wrong… very wrong.

So, what is the point in voting? If you are in the wrong side and you lose you just start filing lawsuits. And that is the democratic system? I am sorry, but it seems as though we have become a nation of cry babies who cannot accept not having things their way. This one will, no doubt, end up in the Supreme Court. Millions of dollars are about to be spent fighting a battle that has been already decided. Decided by the voters. Is not that supposed to be the way it works? Put it on the ballot and the majority rules. Where did I go wrong here?

The homosexuals want to be able to get married, just like the heterosexuals. If I refer to them again it will be "gays" and "straights." The voters said "no, marriage is for one man and one woman." You can have any kind of living arraignments you want, you can have any kind of contract you want between you and your lover, but you may not call it marriage.

Again, what is the point of voting? It seems it is just a game to make us THINK we have a say. If Prop 8 had lost there would have been no lawsuits filed, because the powers that be would have gotten what they were after, and it would have SEEMED LIKE the voters had done it. But, it went the other way… now we just can’t have that, can we?

It really doesn’t matter what side of the issue you are on. That is not the point. The point is that the California voters have been raped again. Our votes have been rendered worthless. The entire system is becoming a joke!

If you are interested is seeing many of the lawsuits filed and currently underway, just visit: http://www.dailykos.com/story/2008/11/5/125155/110/471/654479

I voted yes on Prop 8 because I believe strongly that marriage is between a man and a woman - period. Having said that, in the spirit of compromise I am willing to make a trade. If the gays want so much for their union to be called marriage, let’s let them have it, on one condition – we never again will be exposed to their offensive and perverted, public sex display they call a "gay pride" parade, such as those often seen in San Francisco and other cities. The parades our liberal media finds so important to dominate the prime time news with for all of our children to see. If the gay community would agree to that in exchange, and I had the power, they would all have their marriages. And, the first time they reneged on the agreement, and believe me they would because public display seems very important to them, all gay marriages would be declared null and void.

How about we put that on the ballot next election… It really does not matter anyway, because our votes don’t count!

In His love,
Love all – Trust some – Harm none

Wednesday, November 5, 2008

Very Dry Mouth

My mouth is very dry this morning. I guess that may be a result the feathers on the crow I am eating. Some of you may have seen my blog post awhile back where I predicted McCain’s victory and the reasons for my prediction. It seems I may have been wrong.

I will admit, I did not vote for Obama, however, a few Americans did. I would say America has spoken. I have heard that the credit for Obama’s victory goes to George W. That may well be correct. Whatever the factors, Barack Hussein Obama will be our next president. That being the case, I plan on supporting him in every way I can. That is what we are supposed to do… and I will. He will need all of the support we can muster up. He has a very difficult job ahead of him.

Of course, I will not abandon or soften any of my moral beliefs. Those come from God, not a human. So that means that I have some serious issues with a few of our new president’s moral leanings, but that is a different issue than getting behind him in general support. I know he is going to do things with which I don’t agree, but so did Bush, Clinton and other presidents, except Reagan ;>) .

We republicans ought to just sit back and enjoy the next 4 years. The democrats now also control both houses of congress. That ought to be fun at times. Lets face it, there is absolutely no way any error in judgment or mistake can be blamed on the republicans.

To net this out, Obama is the president elect… He will be my president and will get my respect and support until such time as he proves himself unworthy.

Are there others out there who need to join me in the crow eating?
If so, all I can say is Bon Appitite.



Friday, October 24, 2008

New economic stimulus plan unveiled


It looks like someone has finally come up with an economic stimulus plan that might actually work. The federal government has committed over $750 billion for various bailouts mostly to help financial institutions and the executives that caused this economic mess we are in. And as you will know, before they are done that number will be north of a trillion dollars. How much of that will trickle down to the hard working populace that are paying for it? Almost none. It’s a bailout for them, not us.

In the last attempt to stimulate the economy checks of $300 per individual or $600 per family were distributed. Did that help? Well maybe a little, but not very much. What did you do with yours? If you are like me you don’t have any idea.

So… now a plan that might actually help the recovery. This plan was conceived by a non-partisan group of congressmen, and you won’t hear about it elsewhere for days. I have an exclusive.

The Plan
Starting in January 2009 the federal government will grant $1,000,000 to 100 people each day for the first 20 work days of each month. The money will be tax free and distribution will be decided by some sort of lottery system yet to be determined. Each month 2000 people will receive $1,000,000 tax free. That will be 24,000 new millionaires in 2009. The plan will run for 10 years and therefore will result in 240,000 new millionaires and the total plan would have cost the taxpayers $240 billion. That is less than 1/3 what the bailout cost and remember the bailout was for the financial institutions.

There are a few qualifiers to participate in the lottery:
1. Participants may not be younger than 30 or older than 70.
2. Recipients must commit to a minimum of 20 hours per month of meaningful community service. Active military personnel are exempt from this requirement until the end of their active duty term.
3. Participants may never have been convicted of a felony.
4. Recipients must be U.S. Citizens.
5. If a recipient has ever filed bankruptcy the debts discharged must be paid from the $1,000,000 up to a maximum of $500,000.

Just distributing this much money will stimulate the economy, but wait… there’s more! Look at the benefits.

A lot of people will be doing community service… Good for the country.

Some recipients will invest the money… Good for the economy.

Some will start businesses creating jobs… Good for the economy

Some will spend it all on stuff… Also good for the economy

This will no doubt create excitement among citizens… Good for the country.

This plan could also help the U.S. regain it’s rightful spot as a world leader. Other countries may well follow our lead and institute similar programs… and the world’s economy rebounds.

There you have it… pretty sweet huh?

There is one false statement in the above. It is “This plan was conceived by a non-partisan group of congressmen.” This plan is really the brainchild of a guy in Missouri named Eric. My son Eric Weeks owns this one. We are both very interested in feedback as to why this would not work, and why it wouldn’t be better than any economic stimulus proposal or bailout presented so far.


Love all… Trust some… Harm none.


Thursday, October 23, 2008

Sheep being led to slaughter?

Is the economic mess we are in some sort of sinister plot. Was it intentionally in engineered by our government? Consider the following:

During the Clinton administration, the government required the financial industry to start expanding the frequency of mortgage loans to consumers who might not have qualified in the past.

When George W. Bush was named president by the Supreme Court in December 2000, the stock market had begun to decline with the bursting of the dot.com bubble.

In 2001 the frequency of White House visits by Alan Greenspan increased.

Greenspan endorsed President Bush’s March 2001 tax cuts for the rich. More such cuts took place in May 2003.

Signs of recession had begun to show in early 2001. The stock market crashed after 9/11. The U.S. invaded Afghanistan in October 2001 and Iraq in March 2003.

The Federal Reserve began cutting interest rates, and by 2002 a home-buying frenzy was underway. Fannie Mae and Freddie Mac went along by guaranteeing the increasing number of mortgage loans.

Banks that wrote mortgages began to offload them when Wall Street packaged them into mortgage-backed securities that were sold around the world as bonds to investors.

Risk-analysts at the leading credit-rating agencies, such as Standard and Poor’s, Moody’s, and Fitch, gave their highest ratings to mortgage-backed securities whose risks were later acknowledged to be grossly underestimated.

Mortgage companies, with Alan Greenspan’s endorsement, began to offer more Adjustable Rate Mortgages (ARMs), loans that would reset at much higher rates in future years.

Mortgage brokers and real estate agents fed the growing bubble by telling people they should buy now because housing prices would keep going up and they could resell at a profit before their ARMs escalated.

Huge amounts of money began to flow into the economy from mortgages and home equity loans and from capital gains on resale of inflating property.

Meanwhile, in the world of investment securities, the Securities and Exchange Commission greatly reduced the amount of their own capital investors were required to bring to the table, resulting in a huge increase in bank leveraging of speculative trading.

George W. Bush was reelected in 2004 at the height of the housing and investment bubbles. By 2005 the housing bubble was accounting for half of all U.S. economic growth and yielding huge tax revenues to all levels of government.

Despite the tax revenues from the bubbles the Bush administration was running huge budget deficits from expenditures on the wars in Afghanistan and Iraq .

ABC News reports that during this time risk analysts at Washington Mutual, one of the nation’s largest banks, were told to ignore high risk loans because lending had to be maximized. Those who objected were disciplined or fired.

State attorneys-general moved to investigate mortgage fraud but were blocked from doing so by orders of the Treasury Department’s Comptroller of the Currency. There was no federal agency that was charged with regulating mortgage fraud.

In February 2006, Ben Bernanke replaced Alan Greenspan as Federal Reserve Chairman and held interest rates steady. Homeowners began to default as ARMs reset.

The housing bubble began to collapse in 2006-2007, with the economy showing early signs of a recession and the stock market starting to decline by August 2007. Home prices began to plummet in most markets, with millions of homeowners owing more on their homes than their new appraisals.

Homeowners began to default, with over four million homes going to foreclosure from 2006-2008. In many cases, homeowners simply walked away, dropping off the keys to their houses at the bank.

The U.S. economy shed 60,000 jobs in August 2008. In a year, Wall Street had cut 200,000 jobs. State and local governments began to cut budgets and jobs.

The “toxic debt” from the collapse of the housing bubble brought about a full-scale crash of the U.S. financial system by September 2008. The stock market immediately fell, with 40 percent of its value—$8 trillion—now having been lost in a year. $2 trillion of the losses were in retirement savings.

The crash of the U.S. economy began to reverberate around the world with bankers and the IMF warning of an onrushing global recession.

Massive bailouts by the U.S. Treasury Department and the Federal Reserve failed to stem the tide of the crashing markets. By late October 2008 the recession has begun to hit in force.

As the situation worsened, big banks like J.P. Morgan Chase received government capitalization even as they were buying up banks that were failing. J.P. Morgan Chase paid $1.9 billion for Washington Mutual with assets of over $300 billion.

The U.S. government joined with the nations of Europe in planning a series of economic summits to explore global financial solutions. President Bush will host the first summit in Washington , D.C. , on November 15, after the U.S. presidential election.

The U.S. military shifted combat troops from Iraq to the U.S. to contain possible civil unrest.

Most major retail chains began to close stores and lay off employees even as the Christmas season approached.

The Washington Post reported on October 23, 2008: “Employers are moving to aggressively cut jobs and reduce costs in the fact of the nation’s economic crisis, preparing for what many fear will be a long and painful recession.”

Was all of this just happenstance? A lot of the decisions made and the actions taken seem purposeful. The question I can't answer is... if there is something sinister going on, what is the goal? What would to government be trying to achieve?

Whatever the answers I believe we are in for a long hard trip, and that is no matter who wins the election.

Be blessed,


Love all... Trust some... harm none.


Sunday, October 19, 2008

Change .... Change .... Change ....

I am not sure who wrote this, but it is worthy of posting here:

Not long ago I read a joke ... It said all the politicians running forPresident are promising change to the American people. We send them billions andBillions of tax dollars and they send us the change. Funny? Not really; there is too much truth in it to be funny.

That got me to thinking .... They all promise change. How about if they run on a promise of restoration rather than change. A restoration that would take us back in time to a place where things ran better, smoother and life was more enjoyable.

Change? That, in truth, is what they have been giving us all along.

We used to have a strong dollar ... Politicians changed that.

Life used to be sacred .... Politicians changed that.

Marriage used to be sacred .... Politicians are changing that.

We used to be respected around the world ... Politicians changed that.

We used to have a strong manufacturing economy ... Politicians changed that.

We used to have lower tax structures ..... Politicians changed that.

We used to enjoy more freedoms ... Politicians changed that.

We used to be a large exporter of American made goods ... Politicians changed that.

We used to be an openly Christian nation ... Politicians changed that.

We used to teach patriotism in schools ..... Politicians changed that.

We used to educate children in schools ... Politicians changed that.

We used to enjoy freedom of speech ... Politicians changed that.

We used to enforce LEGAL citizenship ... Politicians changed that.

We used to have affordable food & gas prices ... Politicians changed that, too.

And one could go on and on with this list. What hasn't been changed, politicians are promising to change that as well if you will elect them.

When, oh when, is America going to sit back with open eyes and look at what we once were and where we have come and say, 'enough is enough?' The trouble is, America's youthful voters today don't know of the Great America that existed forty and fifty years ago. They see the world as if it has always existed, as it is now.

When will we wake up? Tomorrow may be too late. When will America realize...Politicians are what is wrong with America?

A Wayne post.
Love everyone, Trust a few, Harm none.


Friday, October 17, 2008


What do our enemies think? Following are a few representative quotes:

"U.S. foes gloat over financial crisis" (Associated Press)

"Iran hails world financial crisis as 'end of capitalism'" (Agence France Presse)

"We are witnessing the collapse of the American Empire." - Hamas leader Ismail Haniyeh

"We are happy that the U.S. economy is in anarchy and the anarchy is reaching Europe. They are seeing the result of their own ugly doings and God is punishing them." - top Iranian cleric

The U.S. is experiencing the most serious financial crisis since the Great Depression. Our enemies know it. They smell blood in the water.

"Wall Street stocks plunged Wednesday in the second biggest single day point loss in history and their worst percentage fall in two decades, ravaged by fears the world's biggest economy is slipping into recession. The Dow Jones Industrial Average slid 733.08 points (7.87 percent) to close at 8,577.91 in the worst one-day point loss since last month's record 777-point decline and the steepest percentage drop since 1987. In an even more brutal decline, the broad-market Standard & Poor's index plunged 90.17 points (9.03 percent) to 907.84." (AFP)

"We are living through financial history of the tragic kind. As of Friday's close, America's stock market had declined in value by well over 40 per cent compared with its peak a year ago. Already, this ranks as the fifth biggest stock market decline since the 1920s." (U.K. Independent)

"U.S. stocks [in recent days have] plunged the most since the crash of 1987, hammered by the biggest drop in retail sales in three years and growing doubt that plans to bail out banks will keep the economic slump from deepening….The S&P 500 has tumbled 38 percent in 2008 as losses and writedowns from mortgage-related investments at financial firms worldwide topped $640 billion….The S&P 500 has tumbled 42 percent from its Oct. 9, 2007, record and the Dow has lost 39 percent from its peak the same day." (Bloomberg News)

"Japan's key stock index plummeted more than 11 percent, South Korean shares shed 9.25 percent, and Hong Kong's Hang Seng Index was down 4.8 percent. Floowing Asia's lead, benchmarks in Britain, Germany and France slipped about 3 percent. Russia's RTS also fell." (AP)

"U.S. Forces Nine Major Banks To Accept Partial Nationalization" - Washington Post

"The White House said G8 leaders were expected to meet this year on the worst financial crisis since the 1930s Great Depression. Governments around the world have pledged $3.2 trillion in emergency measures - roughly an equivalent to the economic output of Germany or China - including taking stakes in banks to help them stabilize, rallying world markets on Monday and Tuesday. But optimism quickly gave way to fears that government intervention would not save major economies from recession." (Reuters)

This is not a temporary glitch in the global financial software. The problems are real, deep and systemic. The best explanations and analysis I have seen have come from Steve Forbes, editor-in-chief of Forbes magazine, the nation's foremost business magazine (see Steve's recent columns).

The following is by Joel Rosenberg:
Joel C. Rosenberg is the New York Times best-selling author of The Last Jihad, The Last Days, The Ezekiel Option, The Copper Scroll, and Epicenter:

The big question now: What does it all mean and where do we go from here? A few thoughts on the implications of this financial apocalypse:

1. First things first: our national security is inextricably tied to our economic security. Economic weakness is an invitation to radical Islamic terrorists to hit us again. It's also an invitation to other rogue nations to pursue their evil plans while thinking we are unable or unwilling to stop them. The U.S. cannot lead the world in defeating tyrants and terrorists and creating an environment of peace and prosperity if we are collapsing at home. Stabilizing our economy, reforming our financial institutions, punishing and imprisoning those who have criminally undermined our economy, and getting us back on the road to free market growth and entrepreneurial health and vitality must be the top priority of the next Commander-in-Chief.

2. I don't believe one U.S. political party or the other is specifically to blame for our own financial crisis. There is plenty of blame to go around and the problems have been developing for years. That said, it is becoming increasingly clear to me that the U.S. stock markets are tanking especially hard right now in part because investors believe Sen. Barack Obama is going to win on November 4th. As polls for Obama and Congressional Democrats have risen - and Americans have begun to sense that Obama's election as president and expanded control of Congress by Rep. Nancy Pelosi and Sen. Harry Reid and their liberal allies is inevitable - investors' fears have not been calmed. They have been exacerbated. True, investors don't see a complete and convincing economic rescue plan from Sen. McCain. But they see disaster in Obama's plan and the likelihood of full control of the U.S. government by the Democrats. The Obama-Pelosi-Reid prescription, after all, is the worst possible medicine for the economy - $1.3 trillion in new federal spending, dramatic tax increases on small businesses, dramatic tax increases on big businesses, dramatic tax increases on those who create wealth, a major new tax on energy producers, as well as nationalized health care system. We are not simply on the brink of a serious recession; we are on the brink of another Great Depression. How, then, will massive tax increases and massive government spending help us fight our way out of this crisis? Answer: it won't. And Main Street and Wall Street know it. Just ask Joe the Plumber.

3. Are there prophetic implications of this financial crisis? It is hard to be definitive. The U.S. does not show up specifically in any end times Bible prophecies. But this fact alone raises a sobering question: If we are really in what the Bible describes as "the last days" before the return of Jesus Christ, then how is it possible that the United States of America - the wealthiest and most powerful nation on the face of the planet in the history of mankind - does not play a significant, notable role in Biblical end times events? The honest answer: I don't know for certain. But here's what I wrote in Dead Heat (p. 154): "What Bennett had never really considered carefully until now was the possibility that something else might devastate the American people, rendering them ineffective heading into the last of the last days. A financial downturn on Wall Street. The sudden collapse of the dollar. The beginning of another Great Depression. A series of devastating earthquakes. Or hurricanes. Or other natural disasters, like a tsunami. [Or ] the most cataclysmic terrorist attack of all time - five nuclear warheads. And there might be more to come. None of it was clearly prophesied in the Scriptures. Not that he could find. But perhaps he should have foreseen the neutralization of America by more carefully reading between the lines. If so, what else was he missing? What exactly was coming next?"

4. Finally, let us consider the possibility that the Lord is allowing this economic meltdown in part to shake our confidence in anything but a personal relationship with Jesus Christ. Is it possible that God is trying to shake us loose from trusting in our wealth, from trusting in our political leaders, from trusting in our own ingenuity and our own hard work? Is it possible that He is trying to get us to shift our focus from worldly, materialistic things to how much He loves us, and the truth that the only person we can truly trust in life to never leave us or forsake us is Jesus Christ? Is it possible that He is trying to get us to read the Bible more, and the stock tickers less? To pray more, and to worry less? To store up our treasures in heaven, and not concentrate so much on our treasures on earth?

Anyone who is feeling fearful during this turbulent economic times would do well to meditate on the words Jesus told His disciples in Matthew 6:19-33 --

"Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. But store up for yourselves treasures in heaven, where neither moth nor rust destroys, and where thieves do not break in or steal; for where your treasure is, there your heart will be also….No one can serve two masters; for either he will hate the one and love the other, or he will be devoted to one and despise the other You cannot serve God and wealth. For this reason I say to you, do not be worried about your life, as to what you will eat or what you will drink; nor for your body, as to what you will put on. Is not life more than food, and the body more than clothing? Look at the birds of the air, that they do not sow, nor reap nor gather into barns, and yet your heavenly Father feeds them. Are you not worth much more than they? And who of you by being worried can add a single hour to his life? And why are you worried about clothing? Observe how the lilies of the field grow; they do not toil nor do they spin, yet I say to you that not even Solomon in all his glory clothed himself like one of these. But if God so clothes the grass of the field, which is alive today and tomorrow is thrown into the furnace, will He not much more clothe you? You of little faith! Do not worry then, saying, 'What will we eat?' or 'What will we drink?' or 'What will we wear for clothing?' For the Gentiles eagerly seek all these things; for your heavenly Father knows that you need all these things. But seek first His kingdom and His righteousness, and all these things will be added to you."

Well… there you have it folks. We have nothing to fear.

For those who understand, no explanation is needed. For those who do not understand, no explanation is possible.

Capstone Christian Ministries

Thursday, October 16, 2008

Tax Lesson

Check this out! It came to me via email from a friend and I really
Like it. Wayne

Tax Lesson - Let's put TAX CUTS in terms everyone can

Suppose that every day, ten men go out for beer and the
bill for all ten comes to $100.
If they paid their bill the way we pay our TAXES, it
would go something like this:

The first four men (the poorest) would pay nothing.
The fifth would pay $1.
The sixth would pay $3.
The seventh would pay $7.
The eighth would pay $12.
The ninth would pay $18.
The tenth man (the richest) would pay $59.

So, that's what they decided to do.

The ten men drank in the bar every day and seemed quite
happy with the arrangement, until one day, the owner threw them a
curve. "Since you are all such good customers," he said, "I'm going to reduce the
cost of your daily beer by $20."

Drinks for the ten now cost just $80.

The group still wanted to pay their bill the way we pay
our taxes so the first four men were unaffected. They would still drink
for free. But what about the other six men - the paying customers? How
could they divide the $20 windfall so that everyone would get his 'fair

They realized that $20 divided by six is $3.33. But if
they subtracted that from everybody's share, then the fifth man and the sixth
man would each end up being paid to drink his beer.

So, the bar owner suggested that it would be fair to
reduce each man's bill by roughly the same amount, and he proceeded to work out
the amounts each should pay.

And so:

The fifth man, like the first four, now paid nothing(100% savings).
The sixth now paid $2 instead of $3 (33%savings).
The seventh now pay $5 instead of $7 (28%savings).
The eighth now paid $9 instead of $12 (25% savings).
The ninth now paid $14 instead of $18 (22% savings).
The tenth now paid $49 instead of $59 (16% savings).

Each of the six was better off than before. And the first four continued to
drink for free.

But once outside the restaurant, the men began to compare their savings.

"I only got a dollar out of the $20,"declared the sixth man. He
pointed to the tenth man," but he got $10!"

"Yeah, that's right," exclaimed the fifth man. "I only saved a dollar,
too. It's unfair that he got ten times more than I!"

"That's true!!" shouted the seventh man. "Why should he
get $10 back when I got only two? The wealthy get all the breaks!"

"Wait a minute," yelled the first four men in unison.
"We didn't get anything at all. The system exploits the poor!"

The nine men surrounded the tenth and beat him up!

The next night the tenth man didn't show up for drinks,
so the nine sat down and had beers without him. But when it came time to pay
the bill, they discovered something important. They didn't have enough
money between all of them for even half of the bill!

And that, boys and girls, journalists and college
professors, is how our tax system works. The people who pay the highest taxes get
the most benefit from a tax reduction. Tax them too much, attack them for
being wealthy, and they just may not show up anymore. In fact, they might start
drinking overseas where the atmosphere is somewhat friendlier.

David R. Kamerschen, Ph.D.
Professor of Economics
University of Georgia

For those who understand, no explanation is needed. For
those who do not understand, no explanation is possible.

Monday, October 13, 2008

Obama vs. McCain on important issues

This is their positions as of June 2008. They may have changed or softened their positions. I have done my best to present these without personal bias.

HERE are the positions of Democratic White House hopeful Barack Obama and his Republican rival John McCain on the main issues in the US presidential campaign:

Obama: Said he was against the war in 2002 and has vowed to end the conflict and begin to withdraw the troops immediately. He is opposed to establishing permanent bases in Iraq, but says he would be prepared to send troops back in in case of a catastrophe or genocide.

McCain: Is a fervent supporter of the US surge launched in 2007. He has vowed "no surrender" and has said he is convinced that Washington is winning the war against the insurgency. He has come under fire from Democrats for suggesting that US troops could be left in Iraq for 100 years, modelled on the US involvement in Germany and South Korea.

Obama: Is in favor of launching a dialogue with Iran, who he says presents a serious threat to the Middle East region and the United States. He has said he would be prepared to hold talks without pre-conditions with Iranian President Mahmoud Ahmadinejad. But more recently he indicated talks would begin at a lower level first. He is in favor of using international sanctions to push Iran to be more transparent over its suspect nuclear program.

McCain: Says "there is only one things worse than military action and that is a nuclear-armed Iran." He is against any presidential level talks which he believes would only lend legitimacy to the regime's hardliners. He would like to tighten sanctions, mostly economic, outside the UN sphere if necessary.

Obama: The US commitment to Israel is "non negotiable." He envisages isolating Hamas and Hezbollah, as long as the Islamic militant groups refuse to renounce terrorism or recognize the right of Israel to exist. He has criticized Jewish settlements in the Palestinian territories as unhelpful to the peace process, and is in favor of policies which can boost the influence of moderate Palestinians.

McCain: Supports US military aid to Israel and says he is Hamas' "worst enemy." He has repeatedly said Hamas would welcome an Obama victory. He encourages talks between Israel and Palestinian president Mahmud Abbas, and has called for Hamas, Hezbollah, and Syria to be politically isolated. He believes the Israeli war on Lebanon in 2006 was justified.

Obama: Promises to cut taxes for working classes and low-income homes earning less than 75,000 dollars a year, while raising taxes for those homes with an average income of more than 250,000 dollars. On the housing crisis, he proposes setting up a fund to help stave off foreclosures and federal help to gain access to loans.

McCain: Pledges to maintain the tax cuts put in place under President George W. Bush. Firmly against public deficits, he has vowed to fight "porkbarreling" or congressional earmarks and has proposed a freeze for a year on non-military federal spending. On the housing crisis, he has suggested state guarantees for mortgages and for student loans.

Obama: Wants all Americans to be covered by a universal health care plan. His scheme, based on incentives and cost cuts, would be voluntary but oblige parents to insure their children.
McCain: Believes health care should be made more accessible. (Some 45 million Americans lack coverage.) He proposes greater oversight of insurance and pharmaceutical companies to prevent them from profiting unreasonably at the expense of consumers.

Obama: Supports immigration reform which boosts border controls while legalizing under certain conditions the 12 million illegal immigrants.
McCain: Was a key mover in 2006 legislation to try to regularize the situation of illegal immigrants, but insists on the need to secure the borders before any other reforms can be carried out.

Obama: Has attacked the North American Free Trade Agreement (NAFTA) with Canada and Mexico and says he would renegotiate it.
McCain: Supports NAFTA and sees free trade as an important tool in US foreign policy, notably in the Middle East. Unlike Obama, he supports a free trade accord with Colombia.

Visit: http://www.obama-mccain.info/compare-obama-mccain-abortion.php

Capstone Christian Ministries

Sunday, October 12, 2008

It’s not a housing/mortgage issue; it’s the economy stupid!

The main stream media, especially the cable new stations would have you believe all of our economic woes are attributable to the wave of home mortgage foreclosures. That ain’t it pal… oh, I will admit that the increase in foreclosures in the United States is a contributing factor, but it is certainly not the whole enchilada. The truth is that the financial crisis is real, but it can, for the most part be blamed on a lot of people who behaved poorly. Our elected representatives in Washington and the greedy corrupt scum on Wall Street are mainly responsible for the economic meltdown that will cost us (you, me, our children and our grandchildren) hundreds of billions, or most likely trillions of inflated dollars.

Some truths:

Until 2005 our annual mortgage foreclosure was about .7%, and that is just about the historic annual rate.

The percentage of American Home foreclosures today is about 2.75%

While 2.75% is about 4 times the historic rate, it also means that 97.25% of homes in America are NOT in foreclosure! The media would have you believe that every other home is being foreclosed upon. Pay attention people… that is just not the case.

A disproportionate percentage of homes in foreclosure are investor properties, or rentals. It makes sense that investors with a small investment in their rental property will let it go when things get tough and appreciation stops.

There are a few states that have much higher per homeowner foreclosures than the others. Some of the highest on a percentage basis are: California, Arizona, Florida and Nevada. These also are states that had the highest reports of house-flipping, predatory lending and fraudulent borrowers.

There are 42 states that are BELOW the national average foreclosure rate. 42! That is 84% folks! 84% of the individual states are below the national average foreclosure rate. Its a few problem states that make the situation look much worse than it really is.

Yes, the financial crisis is real, and even the foreclosure crisis is real, but foreclosures are a result of the economic crisis… not the cause.

It’s the economy stupid…


Monday, October 6, 2008

Why Are We in this Financial Mess?

I just received this via email. I have verified it with Snopes.

Want to know why we are in the financial mess we are in?

Read this article which appeared in the NEW YORK TIMES ON SEPTEMBER 30, 1999. It answers the question.

Remember, it was written 9 years ago!

Fannie Mae Eases Credit To Aid Mortgage Lending

By STEVEN A. HOLMES New York Times
Published: 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.

Comment from Wayne:
I guess if we force the GSEs to grant loans to EVERYONE and toss common sense lending we can expect some people not to pay... yuh think?

Will the Bailout help those facing foreclosure?

Not much.

I spent over 35 years in the mortgage lending industry. There is no way to spend that amount of time without learning a little bit. I know a bit about mortgages, and a bit about the secondary market for mortgages, and a bit about macro- economics (which, by the way I also studied in college).

The truth is that the bailout is a bailout for financial institutions, not for homeowners. I am not saying there will not be a small amount of benefit flow down to homeowners in trouble, but it won’t be much. The bailout is designed to capital (and perhaps some confidence) back to the financial markets. The experts seem to agree that neither the programs in existence or the bailout will be much help for those a risk of losing their homes.

What that means for homeowners facing foreclosure is that there is really no help for them, short of what they do for themselves. The bill passed and signed by the president last week contains language that requires the Treasury Department to develop a plan to mitigate foreclosures. Knowing the speed at which the bureaucrats move renders this requirement impotent. It will be months if not years before any real help flows to homeowners who are in trouble on their mortgages. By the time it actually happens thousands more homeowners will lose their homes. Since 2007 over 900,000 foreclosures have taken place. In the first eight months of this year, more than 180,000 were foreclosed on in California alone. More than 2 million mortgage loans are past due 2 or more payments. These are all potential foreclosures.

What then should a homeowner in trouble on their mortgage do?

Well, they can try calling their mortgage lender and attempt mitigation on their own. It is a very rare instance when this works. The problem is that it is next to impossible to reach the right person at the lender/servicer… a person who has the authority to actually modify the loan. Most of the time homeowners end up on the phone with a collector who represents the best interests of the lender/servicer, not the best interests of the homeowner. The average homeowner is not equipped to deal with this, especially under the pressure of a pending foreclosure.

The homeowner needs professional help. They need someone to negotiate a modification on their behalf. A professional who knows the in and outs of the mortgage industry. Professionals who know how to reach the decision-maker and know what to say to get a modification approved that works for both homeowner and the lender/servicer.

I am a Certified Loss Mitigation Consultant and may be able to help. My only goal is always to achieve a loan modification the will allow the homeowner to keep and live in their home. I am not an investor looking for a deal on their home. I am not a real estate agent looking for a "short sale" listing. I just want to help the homeowner save their home.

My bet is that everyone who reads this knows someone who can benefit from my services. I don’t charge any "up front" fees and will only take those cases that I firmly believe I can be of help. I don’t want to get in the way, so if I can’t help I will tell them immediately.

So… If you know someone who I might be able to help, have him or her get a hold of me.

They can call be direct at 800-704-2407 or 530-888-8877
They can visit my Foreclosure Prevention site: HTTP://EEZURL.COM/?PIVE
They can call: 800-366-1375 ext. 6800 for a 24/7 recorded message

Have them contact me in some manner. You will be doing them a huge favor and you may be helping them save their home.


Sunday, October 5, 2008

The Shack

I normally read 5-6 novels each year. Usually, that happens during my two weeks in Cabo San Lucas in August. We didn’t go to Cabo this year, so I am behind schedule. Finding time for recreational reading at home is very difficult for me. With time devoted to the grapevines, wine making (and drinking ;>) ), etc. I just don’t seem to find the time.

This weekend I found myself alone. Susan was off to the bay area for a conference and some visiting. When I got up on Saturday I nothing pressing. I had a free day. I decided to read a novel that Susan and others had recommended. It’s "The Shack" written by one William P. Young. I started it pretty early in the morning on Saturday and finished it around 7:00 PM. OK, so I am not the fastest reader in the world.

The Shack is probably the BEST novel I have read in at least ten years. I recommend it highly, and to everyone. I would be surprised to hear of anyone reading this and not liking it. There is a far greater chance that you will love it. The Shack has a bonus… in addition to being entertaining it is educational. We are never too old to learn, are we?

I hope you enjoy it as much as I did.

Be blessed,

Saturday, October 4, 2008

Joe Biden's Debate Lies

Here is the list the McCain camp put forth:

OK... I understand one must consider the source, however these all are pretty easy to confirm as false. In any event, if half of these were just simple errors -- 7 lies in the debate would be about seven too many. It seems to me the Democrates are counting on no one paying any attention and just accepting everything they say as truth. SHAME ON THEM!

1. TAX VOTE: Biden said McCain voted "the exact same way" as Obama to increase taxes on Americans earning just $42,000, but McCain DID NOT VOTE THAT WAY.

2. AHMEDINIJAD MEETING: Joe Biden lied when he said that Barack Obama never said that he would sit down unconditionally with Mahmoud Ahmedinijad of Iran. Barack Obama did say specifically, and Joe Biden attacked him for it.

3. OFFSHORE OIL DRILLING: Biden said, "Drill we must." But Biden has opposed offshore drilling and even compared offshore drilling to "raping" the Outer Continental Shelf."

4. TROOP FUNDING: Joe Biden lied when he indicated that John McCain and Barack Obama voted the same way against funding the troops in the field. John McCain opposed a bill that included a timeline, that the President of the United States had already said he would veto regardless of it’s passage.

5. OPPOSING CLEAN COAL: Biden says he’s always been for clean coal, but he just told a voter that he is against clean coal and any new coal plants in America and has a record of voting against clean coal and coal in the U.S. Senate.

6. ALERNATIVE ENERGY VOTES: According to FactCheck.org, Biden is exaggerating and overstating John McCain’s record voting for alternative energy when he says he voted against it 23 times.

7. HEALTH INSURANCE: Biden falsely said McCain will raise taxes on people’s health insurance coverage — they get a tax credit to offset any tax hike. Independent fact checkers have confirmed this attack is false.

8. OIL TAXES: Biden falsely said Palin supported a windfall profits tax in Alaska — she reformed the state tax and revenue system, it’s not a windfall profits tax.

9. AFGHANISTAN / GEN. MCKIERNAN COMMENTS: Biden said that top military commander in Iraq said the principles of the surge could not be applied to Afghanistan, but the commander of NATO’s International Security Assistance Force Gen. David D. McKiernan said that there were principles of the surge strategy, including working with tribes, that could be applied in Afghanistan.

10. REGULATION: Biden falsely said McCain weakened regulation — he actually called for more regulation on Fannie and Freddie.

11. IRAQ: When Joe Biden lied when he said that John McCain was "dead wrong on Iraq", because Joe Biden shared the same vote to authorize the war and differed on the surge strategy where they John McCain has been proven right.

12. TAX INCREASES: Biden said Americans earning less than $250,000 wouldn’t see higher taxes, but the Obama-Biden tax plan would raise taxes on individuals making $200,000 or more.

13. BAILOUT: Biden said the economic rescue legislation matches the four principles that Obama laid out, but in reality it doesn’t meet two of the four principles that Obama outlined on Sept. 19, which were that it include an emergency economic stimulus package, and that it be part of "part of a globally coordinated effort with our partners in the G-20."

14. REAGAN TAX RATES: Biden is wrong in saying that under Obama, Americans won’t pay any more in taxes then they did under Reagan.

Maybe this is what the Dems like to call "substance," as in substantive lies.

Be blessed,

Thursday, October 2, 2008

A New Disease

Look out everyone. The Psychiatric community has discovered a new disease. Be careful you don’t catch it. What is it you ask? Why, its Road Rage Disorder. Sometimes its called Intermittent Explosive Disorder (IED). Like many of its close cousins it’s a bunch of crap. There is no such thing. It’s just another way to relieve people from personal responsibility and a way for the drug companies to sell more of their drugs.

How have we survived? We have all been running around with IED and did not even know it! Horrors!

This sort of things has worked well for the drug companies. It’s their marketing plan. Get more people on their drugs. Don’t believe me? Then think about some of our "new" diseases for which thousands take medication on a regular basis. Consider… Social Anxiety Disorder, Restless Legs Syndrome and even Attention Deficit Hyperactivity Disorder. Every one of these are "new" and they all are fake. Totally bogus. Designed to sell drugs to people who don’t need them. And do you think they even care about the potentially dangerous side effects of these drugs. Not one bit.

Think about the above bogus "diseases" I mentioned. Can you see any of them under a microscope? No. Can you measure any of them with a blood test? No. Is there a known carrier for any of them such as a virus, bacterium, fungus or spore? No. Can you find them in the genetic code? No. Can you find them with a CAT scan or MRI? No. Can you weigh any of them? No. Can you touch, see or smell any of them? No. Why is that folks? Because they are not real, that’s why! We are being lied to so the drug companies can sell more product.

Check it out for yourselves. Do some research on the internet and library. You will find I am correct. Road Rage is NOT a disease, I don’t care what they say. It is an example of people not controlling their emotions. It’s that simple.

But now that it is a disease, individuals are relieved of their personal responsibility and can’t be charged with a crime if they commit one during a Road Rage episode, because they have a disease. It’s not their fault.

Just how stupid are we going to get? Or, a better question might be "How long are we going to allow them to treat us as though we have no brains?"

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