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Obama Refinance Plan FAILS

With our historically low mortgage rates, President Obama is pushing the Republicans again about a piece of legislation he proposed back in February.  The Obama Administration believes it would help many of the struggling homeowners and families trying to keep their homes, pay their debt, and prevent many foreclosures.

President Obama mentioned today on his weekly radio/Internet address that “Here we are – seven months later – still waiting on Congress to act”.  It’s the typical response from Obama and same whether we are talking about jobs or mortgages.

Republicans won’t agree to the proposal because of its $5 to $10 billion cost.  Like many things sitting in Congress from Obama they come at a high cost.  Just like this proposed refinance offer or the many construction bills on the table to inflate the jobs numbers spending money on special road projects that are not “must” have work.

The idea of refinancing your home fails in many ways.  Honestly, it was a failure before it even started.  The biggest problem is that it’s governed by your bank.  The bank evaluates if you even qualify for a refinance.  You need a job and steady income proven with years of IRS documents.  In short, you have a be a long term paying citizen to even quality.  If you break even at the end of the year when it comes to taxes or owe anything you wouldn’t “qualify” for refinancing.  On paper you wouldn’t be making any money to pay the bills.  However, if you’re really good citizen and make 100K a year (paying 35% to taxes) and keeping the rest – you would qualify for home refinancing.  If you get my point to be eligible by the bank you’re IRS documents must state you’re paying them and doing your civic duty.  Breaking even or paying the IRS isn’t going to allow you to refinance your mortgage rate.

The other problem and I am sure President Obama knows this (many homeowners don’t) is that Washington state like many states is a non recourse state.  If you ever just give up on your home and walk way in Washington State, the bank will foreclose on you (ruin your credit) and that will be it.  There will be no legal repercussions.  The bank won’t come after you for the remaining balance after auction should they lose money overall on your loan.  In some states they can sue you for the rest of the loan.   HOWEVER, take note that non-recourse doesn’t apply when you refinance.  Non recourse also doesn’t apply to equity loans should you have one. So trying to do the right thing may in fact make your financial issue even worse and that is why I would never support this refinance plan by Obama.  Many innocent people will get trapped into a bigger mess trying to do the “right thing” to make it work.  If you refinance and walk away the bank can come after you later once they low-ball it at an auction to some investor.

I have said it before that homes are not investments they are liabilities.  Buying something 4 times it’s worth will never work out.  The numbers simply don’t work out anymore.  Don’t get to attached and I’m a strong advocate of walking away if you must.  Banks got their bailout and already been paid for your home so know when to cut your losses on your home if you must.

By passing this Obama refinance plan, it forces people to try to make it work and not walk away from a really bad idea (home).  It puts you even more at the mercy of the bank and I assure you they don’t give a rats ass about you or your family.

Michelle Obama Will Be In Seattle Oct 2nd

The First Lady, Michelle Obama, will be in Seattle on Oct 2nd 2012.  Obviously an event to raise money and convience the public that hope and change is on the way anytime now.  The event will take place at the Westin Hotel and prices to get inside range from $500 – $10,000.  If you’d like a pretty photo with the First Lady, Michelle Obama, it’s going to set you back $5,000.  This is a fundraising event to re-elect the the President and her husband Barak Obama.  Just like the Democratic convention that was on TV you can expect her to say how great of a man he is and a loving husband.  It’s the same song and dance and part of their re-election gameplan.  This family man with the perfect family pulling the strings of the nation to re-elect him in November.  It’s actually not a bad plan in my opinion.  Americans love all this perfect husband and family talk.  They just eat it up.  Considering that all the real data that matters like the economy, jobs, education, taxes, obamacare, national debt, etc is in the worst shape of this nations history after 4 years – might as well play the family man card.

I’m looking forward to the debates coming up shortly.  One thing about Obama is that he is a great speaker.  The man can speak and convince a nation on any topic even if it’s doing horribly bad (like the economy).  Mitt Romney doesn’t have that “family loving great husband” brand that Obama has going for him.  Michelle Obama and Barak Obama really know how to leverage that.  Thus, the reason they are split up and running around town saying great things about each other.  Paul Ryan on the other hand is going to mop the floor with Biden.  Paul Ryan is witty and fast to throw it back at you.

Obama Cyber Warfare With Iran

What do you do with a country you want to bomb but really can’t because of the the political ramifications?  You call your Internet Army and start a cyber war.  You then make it classified so the public doesn’t know what is happening and how much you’re spending.  While I can’t blame it all on Obama (eventhough it was greatly increased under his management and still is today) the Bush Administration started it.  The operations were code-named “Olympic Games”.

A portion of the cyber warfare activities was accidently released to the public via the Internet and a bunch of nerds figured it out.  After studying this Internet worm, they figured out it was developed by the US and Isreal.  CIA director, Leon Panetta, and Obama discussed shutting it down or continuing its progress, however, after reviewing how effective it has been causing havoc they decided to keep it going.  They released a newer version and another after that on Iran.  The cyber warefare with Iran continues today.

Due to this attack, Iran started their own cyber warfare unit and has been quoted as saying that the “Iranian military was prepared to fight our enemies” in “cyberspace and Internet warfare”.  Very little evidence has been reported about Iran striking back though.

Independent Internet security professionals are looking into another cyber warfare worm/virus called “Flame”.  It attacked the computers of Iranian Officials sweeping up information on them.  US Officials say it wasn’t part of “Olympic Games” and have declined to say whether they were involved with it or not.

No wonder our foreign policy with Iran is no good and diplomacy isn’t working.  From all this, it appears America threw the first punch with Iran.

September 11 Attacks In Libya

Yesterday obviously was Sept 11th and a day many Americans remember fondly.  It was also a secret attack in Libya focusing on the U.S Embassy in Libya.  At this time, the details are sketchy, however, we do know the attack was sophisticated, took planning, and happened to fall on the same day September 11th 2012.

The attack took the life of Christopher Stevens (52) which is the U.S ambassador to Libya and 3 other Americans.  The events took place at night in the eastern city of Benghazi.

Because this event was highly coordinated and perfectly timed for 9/11, I believe we’ll soon see that this was a anniversary attack and the news will report it as such.  We’ve been talking about such an attack for years from Al Qaeda and here it is.

The Obama administration has stated that they are not jumping to conclusions and saying so would be “premature”, however, I am calling a duck a duck and saying it now that this was a well-planned terrorist attack.

Wait for the news to say it because it’s coming out soon.

Moody’s Credit Ratings Threat To US

It’s about that time again, when we need to raise the debt ceiling.  Moody’s credit ratings services has stated that they will be cutting our rating if a debt deal is not reached.  Obviously, one will be agreed upon eventually.  Money seems to grow on trees for our Government so whats another trillion dollars to spend? Nobody wants to stand up to really cut any spending here in America as it could put their political career in jeopardy.  To save face our politicians think of ways to pinch the dollars out of us without saying its a tax.  They are no ashamed to propose taxing the 1% because they know the other 99% will be ok with that and their job is safe down the road.  It’s a shame really no one has stepped up (except Ron Paul) who has the confidence and brass to make the tough decisions about spending cuts.

In 2011, our “big cuts” were so small it was pathetic.  In perspective, if a family was in 142,710 in debt the equivalent spend cut was $385 dollars!  What a joke and honestly the proposal of cutting so little should be embarrassing.  Who could review a proposal like this with so little cut per year and not laugh them out of the room.  You would never pay your debt off at that rate so how can we expect to do that with our national deficit if we are making similar cuts?  We can’t and they won’t.  Obama won’t do it nor will Mitt Romney do it.  We need someone who is serious and just cuts a good 20% or more out of the ridiculous programs and tasks the Government shouldn’t even be involved in.

During the last negotiations of raising the debt ceiling our congress agreed upon cutting  38.5 billion dollars (pathetic).  In the 8 days they talked about what they were going to do, our national debt went up 54 billion dollars.  Lets get serious now and get this under control.  It’s beyond me how we even have a AAA rating by Moody’s Credit Ratings and perhaps they are just as wrong as everyone else laying in bed together.

Finally, one last food for thought, our “government stated” national debt is over 16 trillion dollars now and that means each citizens share of debt is over 51,000 dollars (313 million people).  OR IS IT…?  Now if you add in all the federal governments obligations (which we all know are nearly bankrupt) like Medicare, Social Security, Treasury Securitys, and Bonds the national debt is actually over 79 TRILLION DOLLARS.  That is a real number and a number you’ll never hear about from these crooks spenders in office.  With that in mind, every new baby born in this “rich” nation is given a burden of $253,000.

I know it’s hard to hear and the public would probably go crazy if that was broadcasted on TV – but the numbers are the numbers.


Sad but true our national debt is over 16 trillion dollars now.  Since it’s election time (and even before that) the finger pointing continues.  If we can pull any good news out of the this I guess it would be that China is no longer our big daddy foreign holder.  They are owed about 1.16 trillion of it.  Japan took on about 1.12 trillion of it.  About 5 trillion of it is internally ours for the Social Security Trust Fund and federal pension systems. The rest is divided up between many countries in smaller increments.  The federal reserves buys it up also to keep it stable which is shady but anyway.  The Bush era certainly didn’t help with the wars debt added and Obama’s promise of reducing it in half – just never came (nor will it ever come).  Obama can blame Bush and how he inherited it, however, after a year in office you have to take the rest of the blame being the man in charge.  It’s never going down and another 4 years will produce the same results.  Will Mitt Romney make a difference?  I doubt it but he at least deserves a shot at it in my opinion.  I would prefer someone who would take drastic changes like a Ron Paul, however, America isn’t ready for that yet.  Perhaps another 4 or 8 years will change their minds.

Here is some food for thought.  The debt added under Obama’s 3+ years in office was more than Bush added in his 8 years of presidency – combined.  Bush added 4.9 trillion total and Obama added 5.4 trillion and climbing.  One last point regarding unemployment rate under Obama, no incumbent has ever been re-elected with unemployment this high – ever.  In the event, Obama takes another 4 years he will have not only made history as the first African American president but also making history being re-elected with the highest unemployment rate.  Congrats if you win I guess.

Who is President Obama?

I don’t know the answers to anything I am asking or writing about but my goal is to interest enough “Independent Thinkers” to help get answers as to Obama’s past. Hillary Clinton blew her chance by being so sure she would win that she did not put Obama’s back to the wall at all. If she said anything even remotely showing he might be a liar or evading she did not press because immediately the “race card” came in. In my opinion he is so far to the left and cares so little about America he sure should not get 4 more years to do more damage. It is so obvious he wants everyone to be dependant on the government that he is trying to convince people that the government is the only thing that has even made small businesses successful. He is dead wrong. The government has created so many rewards for people who have no desire to work that they know they have to vote for him to keep their “stay at home checks” coming. That being said, I will list the things I think he should be forced to answer. It should be relentless and stop the crap that people are picking on a black. Remember he is half white too. I am not a crazy lady making up stuff here. Donald Trump forced him to produce a long term birth certificate, which very likely is phony too but he did not cough up one for Hillary. Why did he have to be forced?

He is privy to the top top secrets. How on earth did he get a top secret clearance unless he bought one? For sure he did not even do what I had to do to get a low level secret clearance. During the War at Boeing to work on certain projects you had to have a secret clearance. I was sent on tests on Minuteman and needed one. I was only 18 but number 1 was a birth certificate. I didn’t have one. I was born in a log cabin, with no doctor, and no one to help my mother with the birth. BUT my Dad had a notarized paper made out. The census bureau had a record of my birth date. The public school where I started first grade and graduated from high school had my records. So I passed that part. I then had to prove I had never traveled outside the USA. Then had to fill in every address I had ever had and could not leave ANY blanks. I had to go through a similar thing when I worked for an insurance agency and I had access to the names and addresses of people who owned millions in jewelry and only two of us girls could do those policies. NOW FOR OBAMA.

He had his 15 minutes of fame of being the first black to run for president. He was a novelty and came out of nowhere. No one even knew him. He was treated with kid gloves for fear the ACLU or the like would raise a stink if you said a word, they would say you hated blacks. This time lets concentrate on he is half white and go for that half. Forget that his birth certificate could very well be a phony. But his life is a total mystery. He grew up in Indonesia. He was a citizen of that country. He was abandoned by his Mother to be raised in Hawaii by his Grandparents. He had no money. He traveled to Pakistan. American citizens were not allowed to go there. SO, if he was an American citizen how could he travel there? He must be forced to show what passport he used. It had to be an Indonesian passport. What name was he using, was it Barack Obama or Barry?

How did he pay for his college education. Did he get student loans?  Did he pay them back? When did he become an American Citizen after being an Indonesian citizen? Why are all his college records sealed? What is there to be ashamed of  or what is he hiding? Its something way way bigger and darker than poor grades. George W. Bush was crucified for missing a few National Guard meetings and drinking a few beers. Obama just has totally covered his past. Read the Public Liberty Alert of Aug 9, 2012. A so called classmate speaks out. But to summarize it, it is scary. Obama says he graduated from Columbia University, Class of 83. Obama says he was Pre-Law and Political Science major. This classmate never saw Obama or Barry Soetoro (the other name he used). They have interviewed 400 so called classmates and not one ever remembered seeing Obama. Did he even go to school there, if not where was he during those years? If his grades were poor how did he get into Harvard? Why has he spent millions to keep his school records sealed.

Who paid for his education? If he had student loans he had to keep up his good grades. Did he pay his student loans back? OR did Obama a/k/a Barry Soetoro get into Occidental and Columbia as a foreign exchange student? Foreign students get admitted to American Universities way easier and they get all sorts of aide and scholarships for free. Did Obama use his Indonesia Passport and citizenship to go to college here? He could not be an American Citizen and be a foreign exchange student at the same time. Mitt Romney’s income tax forms are nothing compared to what Obama should be forced to disclose. To be president of the United States you can’t have a past like this completely sealed up. He has to talk without a teleprompter. He actually should be forced to step down as president now. Keep reminding him he has used up his black half and now we start on the white half and we all know whites don’t get treated with kid gloves. This is beyond scary? Its time for Romney to make a deal to lay records on the table, but even if Obama quits trying to bring up Romney’s tax returns should not be enough to keep his past school and travels sealed. Is he even a citizen? How come he has not a single classmate or professor that remembers him? We have to tell more about ourselves to get a job at Burger King than he had to to  become President because he hid behind being a picked on black. Lets pick on the white now. Hope you think about this and help get answers.

Read more questions here:  Marshall Frank’s 33 questions to the president

Mitt Romney’s Rise To Power

As Mitt Romney continues to rise over the competition with his recent win of both Arizona and Michigan, one has to think will it be enough?  In this election, I personally want to see more of the dramatic change to just the basic principals and way less government in my life.  The only candidate who will provide that is Mr. Ron Paul.  Unfortunately, the public isn’t ready for that yet I guess.  Perhaps another 4 or 8 years and they’ll be ready to see the light.  As I said in previous posts, the force is strong with Mitt Romney.  His branding is strong enough that it convinces people to throw votes his way.  He gets the most spotlight out of all the candidates and that combined with Super Pacs/cash I truly believe he’ll get the nomination and eventually take the White House.  Right or wrong we will see shortly.

Newt Gingrich is about done at this point finishing 4th overall yesterday.  He should be stepping down soon.  I wouldn’t be surprised if it happens shortly after March 6th after Super Tuesday (10 states voting).  He may do it sooner, however, to save himself from the embarrassment and keep his followers.  Newt may take 1 out of the 10 states and that is is home state Georgia.  Once there is a clearer picture of who is leading the pack, Newt will be quick to endorse them and get reimbursed for his failed campaign.  Ron Paul will hang on longer only to get his message out more.  I believe the public realizes (including myself) he doesn’t have much of a shot but his message is what’s important at this point.

I have been seeing more and more Obama ads on the Internet (YouTube for example).  Similar to his last election, he will make a strong push for the younger crowd and will continue to use the Internet better than anyone else.  He has done good at capturing that audience with him being a social media fan using Twitter.  I’m not confident he’ll have the same younger support this time around though.  I believe the hope and change promised (and over delivered in his speeches) wasn’t delivered as promised during his presidency.  I’m sure many would disagree with that though.

Looking forward to Super Tuesdays 10 states results soon.

Obama blames politics for the delay on immigration – Yahoo! News (Political Discussion)


Is there anything that this man will NOT blame something on someone else rather than his own ineptness? Congress is partisan because, honestly, the democrats made it that way. They put their feet down in the ’80s with Reagan and then broke their promises as politicians are wont to do. Again in the ’90s. When the republicans, first time with Clinton in ’94 were together, there was a groundswell due to previous policies, and things got done. Even Clinton recognized that things needed to be signed and he did.

Now, with 8 years of absolute vitriol hatred against George Bush and thus everything conservative (rightly so in some areas, but mostly no), these petty children of the left are trying to blame everything on the right because no one on the right agrees with them. If the ideas were so great, then all the members, sans a few, would support it. But it is NOT good. So what does the POS POTUS do? Bitch and moan that partisanship is the problem and since he is a lefty, it is clearly the right’s fault. Sheesh!

Why not stop all the legislating and go on a permanent holiday (the whole 530 members of Congress and the president)! Nothing will get passed, and I guarantee you the stock market will be above 14K. Either that, or we will have a civil war again.

good luck and good night!


Debateguy: Maybe I should rename the trend “Blame Game Trends”. This article sums up what I believe to be the overall impression of our POTUS. Blame everyone else. Point fingers at everyone else.

Well, Mr. President. Did your mother (or grandmother as your mom wasn’t around much) not tell you that when you point your finger at someone else 3 more are pointing at you – from your OWN hand?

I cannot wait for this man to go the way of Jimmy Carter.

Jimmy: Obama and his friends love illegal immigration for a simple reason.  Eventually, somehow, someway, millions of the illegals in this country will get citizenship.  And they will get benefits (many are getting them now).  And most important of all, they will vote, and they will vote Democrat.

Obama ain’t stupid.  He knows this as well as anyone.

Unfortunately, we’ve closed this discussion because it is old.

Obama says being American is ‘not a matter of blood or birth’ – (Political Discussion)

Barack Obama and Michelle

This is rich. This is from the man that was born in Kenya (per Micelle Obama) and is now our President allegedly.

This is nuts and going against all our laws as well as every country in the world’s laws on immigration. What is his problem? What doesn’t he understand? I thought he was the “all knowing” that will tell us what we had for breakfast today, tomorrow, and next month.

Excuse me? Being AMERICAN is MOST CERTAINLY a matter of blood, birth and YO, Culture! I guess he can make this statement because since we are getting so divided and segregated by the left and each other, we as a culture have forgotten what it MEANS to be American! Someone leaves their country, for whatever reason, to come here, to OUR country; the USA, then they need to learn to be Americans. I don’t need to learn to be Chinese, French, German, Mexican, Spanish, Brazilian, Portuguese, Fijian, Philipino, Indian, Morrocan, etc. You come here, learn English (first thing – or better yet learn it before you come here), learn our culture/history (if they even teach that in school), and how OUR government works.

Don’t come here to use OUR laws against us so that you can have it the way it was where you are from, that you are/were currently running away from. You break the law, you go to jail, or go home. Just STOP IT!



ObamaFan: His solution is to give the illegals  “a pathway to legal status”.  Sooooo, it’s not illegal if we change our minds and make it legal.  

I trust there are many who see through this double-speaking mindless and clueless POS/Monkey POTUS

Gene: Turn that teleprompter back on.

AgainstTrump: For once Obama get’s it right. Being an America has always been about choice. We are a nation of immigrants after all. Those who are born here also have the choice — to leave, and by far, to many of them that should, don’t. We need to get back to that view of what it means to be an American, one of choice, versus one of entitlement by birth (the equivalent of the aristocracy). Those who don’t believe in the values of the Founders shouldn’t be granted citizenship, and those who don’t uphold them should be encouraged to leave.

James: If we are not Americans by birth, culture, blood, etc., what DOES make us Americans?  Our tv viewing habits?  Sports preferences?  Menu choices? Well, what?

Slowmoguy: Once again President Obama has planted his fat ass on the fence. Talk about hot air and no direction!!

“And no matter how decent they are, no matter their reasons, the 11 million who broke these laws should be held accountable.”

Yeah right, but what are you actually doing about it Mr. President?

“I’m ready to move forward. The majority of Democrats are ready to move forward, and I believe the majority of Americans are ready to move forward…”

That so? Ready to move forward and do WHAT, ace?

“But the fact is, without bipartisan support, as we had just a few years ago, we cannot solve this problem. Reform that brings accountability to our immigration system cannot pass without Republican votes.”

Which translates as POTUS saying,”Hey, Lord knows I tried folks but…really…it’s all the Republicans fault…My ass is just all tied up.”

I swear this guy’s got enough hot air to reflate The Zeppelin ten times over and then some !!… Unbelievable!!

Unfortunately, this discussion is really old and we’ve closed it.

Photo Credit: “Barack and Michelle Obama on election night” by John Althouse Cohen is marked with CC BY-SA 2.0

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