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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,
Wayne
Love all – Trust some – Harm none
www.Capstone-Ministries.org
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Friday, November 14, 2008
Tuesday, November 11, 2008
Coffee, the economy and foreclosures
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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,
Wayne
Love all – Trust some – Harm none
www/Capstone-Ministries.org
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,
Wayne
Love all – Trust some – Harm none
www/Capstone-Ministries.org
Friday, November 7, 2008
Words of counsel concerning the US post election time...
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This is from my friend and brother - Dan Hubbell
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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
http://www.churchrestoration.org
*********************************************************************
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
http://www.churchrestoration.org
*********************************************************************
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,
Wayne
Love all – Trust some – Harm none
www.Capstone-Ministries.org
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,
Wayne
Love all – Trust some – Harm none
www.Capstone-Ministries.org
Wednesday, November 5, 2008
Very Dry Mouth
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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.
Wayne
www.Capstone-Ministries.org
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.
Wayne
www.Capstone-Ministries.org
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