Federal Government Caused Financial Crisis in America

The federal government caused the financial crisis in America. It wasn't Wall Street, financial and banking institutions, the car industry, the insurance industry, or big business...it was primarily driven by the federal government.

It started with The Community Reinvestment Act (CRA) that was enacted during the Carter administration. Like so many government programs the purpose of it sounded good, to support lower income people in purchasing homes, but it turned out to be anything but. Many of us have experienced living in rented housing or in humble homes, because that was what we could afford. Looking back that was a very happy and comfortable environment. But that wasn't good enough for the federal government. The CRA got a major push during the Clinton administration and this continued into the Bush administration. What this amounted to was that the federal government wanted to push low income people into expensive homes with no rational formula of affordability involved.

At one time a simple formula was used by lending institutions based upon income. This went out the window. Extreme pressure and false guarantees were given by the federal government and the government sponsored enterprises, Fannie Mae, and Freddie Mac. These institutions have been riddled with corruption, political paybacks, executive pay scandals, and more...and they are one of the prime reasons behind the current failure of our economy. The leadership over them by Congressman Barney Frank and Senator Chris Dodd was incompetent, deceitful, if not criminal. They are both on record in guaranteeing the solvency of these institutions when just the opposite was true.

No one looked at the fact that you don't help low income people by convincing them to buy expensive homes that they can't afford only to lead them and their families into the misery of financial failure and foreclosure. No one looked at the fact that hundreds of thousands of these mortgage loans, if not millions, would lead to an accumulation of hundreds of billions of dollars of financial failure that would help destroy the economy of America. We see that result today. Yet even having this fully exposed, we are embarking on the same path again!

What we must do:

The Community Reinvestment Act should be repealed. The federal government should set up guidelines (not control) for responsible lending under affordable conditions, not those destined for sure failure.

Freddie Mac and Fannie Mae should be eliminated as federal government sponsored enterprises. Mortgage, banking, and acting as an intermediary on mortgages, lending, etc. should cease. Banking, lending, and mortgage functions should be private, not government controlled. Cut out the cancer.

There should be an investigation into the deceitful leadership of Congressman Barney Frank and Senator Chris Dodd who purposely misled the American people resulting in our current financial crisis.

It is time to bring America back to basic financial discipline and sanity, and rid ourselves of corrupt leadership.

Creation by GOD Re-Established in America

In the United States, as across the world, we have allowed ourselves to be denied a fundamental truth - that the universe and humanity have been created by God. In the sacred scriptures of the Jewish Torah, as well as the Christian Old Testament, the sections on Genesis describe the divine creation of the universe and humanity. We have allowed this to happen even though approximately 77.4% of our nation identifies ourselves as Christians or Jews. It is unconscionable that we have allowed this to happen to our faith.


What we have allowed to happen is to let a theory and a book published in 1859, "On the Origin of Species", by Charles Darwin, to replace the belief of creation by God, by a theory of "evolution". Some call it "scientific" but it fails the tests of scientific completion and proof. There is no doubt that humans and other species have evolved to a degree due to such things as nutrition, climate, and environment. But to say that humans today evolved over millions of years from a one celled organism is more than a bit of a stretch.How anybody can look at a loved one, a baby, a child, and not realize that the Creator...God...had something to do with this person is beyond comprehension. The human person is absolutely amazing with our physical and psychological makeup and how we function as humans. If we take just one example, eyesight, how it operates psychophysically starting with a magnificent optical instrument, our eye, and then how the eye interacts with our brain to give us vision and even more than that...a related thought process based upon what is seen. This alone is absolutely amazing. This can be applied to all functions of the body and humans; a perfect design that could only have been given to us by God. Then you combine all this with the human ability to think and reason, to have feelings and emotions, and most of all...to love. To suggest that all of this "evolved" from a one cell organism is totally absurd.


One has to look at the reason why evolution has been thrust, even forced upon us vs. creation. Creation is based upon God. For those that are awake about what is happening in the United States (and across the world), there has been a steady attempt to remove God from all aspects of American life. It begins with a distortion and purposeful misrepresentation of our history, our Founding as a nation, and our Constitution. You should note the word tricks used by those who oppose creation. God is too powerful of a word, so they prefer a more beatable "opponent". So in nearly all discussion today they have substituted "intelligent design" for the word God. Have you noticed this trick? It is very common today.


Let's look at evolution. If indeed humans have evolved according to Darwin, there should be, as with all historical scientific evidence, a trail of proof. This proof would be in the form of fossils showing the various stages of human development. In fact, Darwin himself realized this when he predicted that the fossil record would either prove or falsify his theory. Darwin realized the difficulty the fossil record (missing links) gave his theory when he said, "Why, if species have descended from other species by fine graduation, do we not everywhere see innumerable transitional forms? Guess what? To the consternation of "Darwinists" there is no continuum of fossil history! Oh you will get a media report once in awhile where an animal or bird fossil remains are discovered from hundreds or thousands of years back and they somehow try to claim that a claw looks like a hand...and say...."see that...proof of evolution"! Unbelievably many fall for it.


Many scientists have admitted the lack of proof, albeit some very reluctantly. This is just a small sampling:


"Despite the bright promise that paleontology provides a means of 'seeing' evolution, it has presented some nasty difficulties for evolutionists, the most notorious of which is the presence of 'gaps' in the fossil record. Evolution requires intermediate forms between species and paleontology does not provide them"...David B. Kitts, PhD (Zoology) Head Curator, Dept of Geology, Stoval Museum, University of Oklahoma


"The absence of fossil evidence for intermediary stages between major transitions in organic design, indeed our inability, even in our imagination, to construct functional intermediates in many cases, has been a persistent and nagging problem for gradualistic accounts of evolution". "The family trees which adorn our text books are based on inference, however, reasonable, not the evidence of fossils" ... Stephen Jay Gould, Prof of Geology and Paleontology, Harvard University"


. . . Yet Gould and the American Museum people are hard to contradict when they say there are no transitional fossils . . . I will lay it on the line, there is not one such fossil for which one could make a watertight argument."...Dr. Colin Patterson, Senior Paleontologist, British Museum of Natural History, London


"We do not have any available fossil group which can categorically be claimed to be the ancestor of any other group. We do not have in the fossil record any specific point of divergence of one life form for another, and generally each of the major life groups has retained its fundamental structural and physiological characteristics throughout its life history and has been conservative in habitat."...G. S. Carter, Professor & author, Fellow of Corpus Christi CollegeCambridge, England


"Darwin. . . was embarrassed by the fossil record. . . we are now about 120-years after Darwin and the knowledge of the fossil record has been greatly expanded. We now have a quarter of a million fossil species but the situation hasn't changed much. The record of evolution is still surprisingly jerky and, ironically, . . . some of the classic cases of Darwinian change in the fossil record, such as the evolution of the horse in North America, have had to be discarded or modified as a result of more detailed information."...David M. Raup, Curator of Geology Field Museum of Natural History, Chicago


"My attempts to demonstrate evolution by an experiment carried on for more than 40 years have completely failed. . . . The fossil material is now so complete that it has been possible to construct new classes, and the lack of transitional series cannot be explained as being due to the scarcity of material. The deficiencies are real, they will never be filled."...Prof N. Heribert Nilsson, Lund University, Sweden


". . . if man evolved from an apelike creature he did so without leaving a trace of that evolution in the fossil record."...Lord Solly Zuckerman, MA, MD, DSc (Anatomy) Professor of Anatomy, University of Birmingham


...ad infinitum....


The tragedy is that we have forced Darwinism into all textbooks and teaching in schools and colleges in the United States at the exclusion of creation! Further, people who even bring up the alternative of creation are ridiculed, insulted, called stupid, and every name in the book. This is the tact that is used when you try to bring out facts and truth vs. what is politically correct (and scientifically incorrect). We should never allow this to happen. Where are 77.4% Christians and Jews? Where are the rest of Americans who believe in truth, fact, and real provable science?


A number of years ago BOTH creation and evolution were in textbooks and discussed in schools as alternative theories on how our universe and humankind came about. Nothing was forced, students were allowed to make up their own minds on what to believe or not believe. This is called education.



We need to bring back true education in America and not allow a single, unproven theory of evolution to be shoved down our throats. We need to bring back the possibility....actually more than the possibility....that the universe and humankind was created by God. Don't let them do what they are currently doing to us and our children. The real reason behind pushing evolution is that it eliminates God. Think about it.

The Case for Voting Yes on Ballots 1 & 2 in Massachusetts

Not only the administration of Governor, Deval Patrick, but BOTH parties of the Massachusetts Legislature are irresponsible in managing our state's finances. To begin with, according to the Massachusetts Budget and Policy Center, in fiscal year 2011 the state budget is dependent upon a whopping $9.02 billion of federal money, or nearly 32% of the states $28.4 billion budget! First and foremost this shows how Massachusetts is hooked on the "drug" of federal money, from a bankrupt federal government that is in the deepest debt in history. Obviously this is a formula headed for financial collapse.

Even with this massive amount of federal money, the fiscal year budget started out with a $2.7 billion shortfall that sent Deval Patrick and the Legislature scrambling on what to do. Still further, this by no means is the end of the financial crisis in Massachusetts. As we go forward into the fiscal year it will be discovered that there will be an income / revenue shortfall due to unrealistic budgeting. This includes unplanned shortfalls through the obvious economy affects of unemployment, people leaving the state, people shopping in other states due to increase in taxes, business sales and profit decreases, and even business closings in the state. This will all lead to a major decrease in the expected budget revenue.

There has been a failure to manage our states finances and each year we seem to get further into the depths of "budget fraud", i.e. a budget that is sold to the citizens of the state that is knowingly unrealistic. What needs to be done is create a total shock to the system that will cause responsible financial management and budgeting of our state. This calls for a situation that is devoid of the dependency on federal money, a significant cut in costs and the state's bureaucracy, the elimination of corruption, and a realistic and balanced budget.

It is not out of the question to suggest that 50% of the state's government bureaucracy should be cut. What currently exists is duplication of state functions; political favoritism appointments; nepotism; and a system of early retirement of state employees at a young age only to be hired or appointed to still another state job (double dipping). There needs to be an attack on corruption that has been rampant, particularly with state sponsored construction jobs. The Big Dig, for example, was the "mother of all corruption jobs". There are many more where work is given out for unnecessary projects, or projects that are milked for all they are worth. Welfare fraud and related give-away's are also big in Massachusetts. The point is that there are plenty of areas where costs can be cut if the Governor and Legislature have the guts to do their jobs.

We are now confronted with two ballot questions, one concerning the elimination of sales tax on alcoholic beverages (there already is a state excise tax); the other lowering the sales and use tax from 6.25% to 3%. Many will say it is irrational to cut this revenue from the state for obvious reasons. Already there is a "go for the jugular" threat by some from the state warning that, as they always do, that this will mean cutbacks to schools, to police and fireman...all those things that the citizens recognize and depend upon...this is always their threat and many back off with this ploy. You will note that few representing state government will suggest cutbacks in spending as outlined above, actually having the guts to manage our state's finances.

It is suggested that people vote Yes on both Ballot Questions 1 and 2. The reason is we DO need to shock the system and create a financial crisis that will cause our Legislature to do their job and manage our state's finances. We also need to be very diligent and NOT ALLOW them to do their typically vindictive tact of using our schools and necessary services as their out for not doing their job. We need to force them to cut the state bureaucracy and corruption, and reduce costs in all other areas. It takes guts. That is why we elect them.

Outrage Over Preventing Military Votes

The American people should not allow the election of any local, state, or federal official to be confirmed until every single ballot of overseas military personnel, who wants to vote, is counted. Right now we have shenanigans going on with their precious right to vote. This appears to be the case in Illinois, Wisconsin, Colorado, Maryland, Washington, and a total of 10 states, maybe more. The law requires every state to mail their absentee ballots 45 days prior to Election Day to overseas troops who want to vote from abroad. In all cases the problem is with the states failing to issue overseas ballots in a timely fashion, NOT with military personnel responding with their ballots.

It would be a sacrilege of the worst kind to deny our military personnel their right to vote, those who put their lives on the line every single day for America. It is unbelievable and an outrage that this situation has been allowed to occur. There should be further outrage by all Americans that this is most probably done on purpose, as still another attempt to bias the elections throughout our country.

Where is Congress on this outrage? Where is the Obama administration? Where is the Justice Department? Where is the media on this? All should be shouting from the rooftops.

The American people should not allow this to happen. Every vote. Every overseas military person who wants to vote. Counted. That is THE ONLY acceptable answer.

Tea Parties - The Unexpected

The far left has had a plan for some time and they have been working toward their first major goal of having America become a socialist country. Europe is already well on their way. With the election of Barack Obama and a Democratic Congress a perfect storm was created for their dream to become a reality. The traditional Democratic party had already been taken over by the far left. The Republican Party had lost it's strength through a diffusion and lowering of their values, so they would not be able to stop it. At breakneck speed they began to implement steps that would drive America into the depths of socialism and globalism. The feeling was that the American people, even if they complained and were opposed to what was going on, were not organized enough to stop the movement. But then something unexpected happened.

The will, the strength, and the voice of the American people were grossly underestimated. Suddenly ordinary Americans, many of whom never participated in any political movement before, began to rise up. A true groundswell, and grassroots movement, began to emerge. And emerge they did. They were senior citizens, grandparents, and parents, deeply concerned not only about themselves, but the future of America for their children and grandchildren. They were conservative Republicans, traditional Democrats, Libertarians, and Independents who were strongly opposed to the new socialist direction. Scared to death of it, in fact. They were informed younger people, and minorities who think for themselves and object to adhering to mass block thinking where it is "expected" that they will just comply. They were people who have a deep faith in God. They were people who are patriots and love America. They are veterans who had served their country and who had fought to preserve freedom. Spontaneously they came together. Millions upon millions of them. They came together under the title of "Tea Party".

The left was flabbergasted, they hadn't planned or expected anything like this. They were so close to achieving their goal. At all costs the Tea Party had to be stopped. Immediately they began to try to discredit the Tea Parties, a tact that had worked for them so many times before. Truth is irrelevant, but discredit they must. They began to call them crazy, radicals, Nazi's, every name in the book...and finally the one that always seemed to have worked before...racists. Many major media sources fully complied with the unfounded and unwarranted attacks. Yet the Tea Parties kept coming, without a flinch. What the far left and the media failed to realize is that Tea Party IS America...the vast majority of the American people. You can't turn the vast majority of the American people on themselves, especially with what are KNOWN to be falsehoods. The far left then engaged union leadership, and organizations like the NAACP to help discredit the Tea Party movement, call them racists, etc. Again this didn't work to say nothing about violating the 9th Commandment of God by bearing false witness. Many of the good and decent people of the NAACP don't like being part of false accusations. Neither do the union MEMBERSHIP, in fact many of them are either in agreement with the Tea Party movement, if not actual members.

Nonetheless the great strength of the administration in power, with the help of nearly all major media sources is immense. In addition, over time, deep seated roots have been established by the far left into many organizations throughout the country. Further, there are some very wealthy backers who have their own agenda toward turning the United States into a greatly weakened, yet socialist country that will allow globalism to continue.

The future of United States is now dependent upon the people of America. This includes all those who want to preserve our great democracy irrespective of party affiliation, race, religion, ethnic, or any other socio, political, or economic group. And it depends greatly, as the far left fears, on the Tea Party since they have the strength of organization.

All of this comes down to two dates..November 2010 and...November 2012 and our sacred right to vote. The choices are simple yet dramatic and potentially tragic in our history: socialism that will lead to the destruction of America as we know it.....or the preservation of our great country and democracy. Thankfully the Tea Party movement has given us at least a choice, now it is up to us.

Socialism - The Worst Form of Slavery

Socialism is the worst and most insidious form of slavery. It starts with "sound good" words and catch phrases that attempt to fool people and allow them to be led. Such words as "public ownership of property" misleads people into thinking that THEY will own the property. Nothing could be further from the truth. In reality GOVERNMENT ends up owning the property, not the people. Another one is "distribution of wealth" that leads people to believe they will be given more wealth, more money. Again this is false, albeit a few crumbs, what actually happens is the GOVERNMENT acquires the wealth, taking it from people who have worked hard to earn it, and from those who have succeeded in life. They then dole some of it out as THEY choose. In Europe, socialism was sold by calling it "democratic socialism" making it appear more palatable to people since they believed that it was still democracy, so it must be all right. Again a play on words. Yet socialism by any other name is still socialism.

What always happens with socialism is that there is an insidious, gradual, and ever increasing control by the central government. Personal freedoms begin to disappear. The central government begins to control nearly all aspects of people's lives. Oh, people are "taken care of" but at some lower form of existence of life. At the same time a ruling elite begins to emerge. Personal excellence, creativity, individuality, and the ability of a person to succeed and become substantially better in life are squashed. Then the danger comes.

Eventually people do not like being squashed and controlled at some lower form of existence and will begin to rebel against socialism. The ruling elite at that point will get stronger in their enforcement of THEIR laws and rules. Those who resist are punished, and at some point even jailed. Violence by the central government may even occur, if not outright murder and executions in order to keep people in control. The elite once they gain total power and control are not going to give it up. At this point the people become the slaves of the central government, and of the elite. It is the worst form of oppressive slavery.

A person who lived under socialism recently warned us: "Remember people and this comes from someone that has lived under both the communists and the socialists. The Federal Lords have made plenty of provisions for themselves, their children, grandchildren, and great grandchildren. It is the same everywhere they set their boot. They live in the best houses stolen from millionaires forced to leave their countries, they import food, they travel in luxury in their private planes while their countries suffer and starve, laughing at the imbeciles that keep them in power. I have heard them say, why do you worry they are just stupid insects, come and join us you will live well. I swear that they sound like demons from the worst horror film." This from a person who lived under this form of oppressive government. History has taught us, without exception, that this is what to expect.

The time to cut off socialism is in the early stages. Once it begins to gain a foothold it advances at breakneck speed and the people are brought under its slave-like control before they know what hit them. It has happened in Europe, and it is now happening in America. You are strongly urged not to ignore the warning signs.

We have two last chances to avoid becoming "slaves' of our government and losing all of our freedoms and our great democracy. November 2010. November 2012. Your votes are sacred, more than you will ever realize. Use your sacred vote wisely, before it is too late.

"Capitalism is the unequal distribution of wealth. Socialism is the equal distribution of poverty." - Winston Churchill

Saving Lives vs. Taking Lives

In the last few days we have seen the beautiful people of Chile and the near miraculous saving of the 33 lives of miners that were trapped half a mile underground for 69 days. We saw the love, tears, and happiness of loved ones and families. We witnessed their deep faith in God, from the trapped miners themselves, their families, and from Chile's President Sebastian Piriera. Mario Gomez, who at 63 was the oldest trapped miner hugged his wife and then dropped to his knees in thankful prayer. Relatives hugged, kissed and thanked God. The constant theme, in fact, was God, love, family, and the great joy that was experienced worldwide in the saving and preservation of life.

Contrast this to where on a daily basis we are confronted with news of the clear absence of God in the taking of innocent lives. No legitimate religion, and certainly not God, would sanction the taking of innocent lives. Yet we have young men, and even occasionally young women, blowing themselves to bits while at the same time murdering innocent men, women and children. We have acid thrown into the faces of young school girls. We have fathers murdering daughters, women in the Sudan raped, murdered and mutilated. We have news reporters seeking the truth; and people who are attempting to help the suffering and those in need; murdered and beheaded. South of our border we have drug cartels and human traffickers brutally murdering innocent citizens, young children, mayors, news reporters, police officers, and military personnel who are attempting to bring law, order, and peace. Again, the absence of God.

Imagine, worldwide at every airport, extensive security and screening has to be used in order to prevent bombings that would take innocent lives. How far has humanity deteriorated? People on buses, railways, at cafes...even at weddings and funerals are murdered indiscriminately. Rockets and missiles are lobbed into civilian populations. How far has humanity deteriorated? Trillions of dollars that could be used for the relief of human suffering and for humanitarian purposes are wasted worldwide for security purposes that should never be necessary. How far has humanity deteriorated?

Yet, if all peace loving nations of the world came together, all this could be brought to an end. First there has to be the underlying presence of God. Without exception, in the absence of God evil forms. And this is what we have going on in our world today. The result is what we now see.

There has to be a coming together of all nations on the basics of life itself, and that starts with God, family, and love. If this happened all the evil we see in the world today would disappear.