In Response To: Time Magazine naming Ben Bernake 2009 Person of The Year

10. Ben Bernake has secretly spent trillions of American Taxpayers Dollars since being named Federal Reserve Chairman.

9. Ben Bernake has the job of being the largest counterfeiter in the world. He has they keys to print up money whenever he wants and does not have to be held accountable. If you started printing up money without telling anybody do you think you would go to jail? Probably so.

8. His monetary policy has flooded the market with money. When this happens you get a devaluation of the American Dollar and inflation. Check out this inflation calculator. Put in 2006 as the start date as this is when Bernake was elected. As of today the inflation rate is at 7.3%. Did your income go up by more than 7.3% in the past 3 years? Probably not as many people are lucky if they even have a job. If my economics are right then the money I make has 7.3% less purchasing power then it did 3 years ago.

7. In hind sight, he will end up being a good pick because now the American public who does not follow economics or politics might now ask “Who Is Ben Bernake?” When they start doing research on him (hopefully) they will find mountains of information showing that the Federal Reserve is one of the Top 10 Reasons (maybe #1) why our country has gone through the recession of 2009 and had the housing bubble. This will (hopefully) get more people to start questioning why we let a organization dictate U.S monetary policy when they do not have to tell us what they are doing with the checkbook.

6. With Time Magazine selecting Ben Bernake it has to bring up the question that there must be some “back door deals” going on between the U.S Government and major media outlets like Time. I say this because how can a guy who is continuing to bankrupt our country be considered the best person in the world? Its all about control. If the U.S Government can get the message out that Government is good then the majority of U.S citizens who never question anything will continue to believe it.

5. The rest of the list is not that much better. Again, you see more people from the government. Nancy Pelosi, are you kidding me? Llyod Blankfein – CEO of Goldman Sachs… really? How can a guy who ran a company into bankruptcy and then accept bailout money be considered a good fit? If anything he should be out on the street. The list is a joke. How can you put the guy who controls the buttons on the U.S dollar on the same list with Adam Lambert, winner of American Idol?

4. Time Magazine said “His creative leadership helped ensure that 2009 was a period of weak recovery rather than catastrophic depression, and he still wields unrivaled power over our money, our jobs, our savings and our national future.” Lets brak this down. Creative – All he did was spend more money by giving it to failing companies (AIG, GM, Goldman Sachs) and to government run projects that always fail. Writing a check is NOT “creative.” Anybody can do that. Weak Recovery – We recovered? Are you kidding me. Unemployment rates are much higher than that Bureau of Labor BS that is given to us. How can you recover when wealth has evaporated and people do not have money to buy anything? What’s even scarier is the end of the quote – “he still wields unrivaled power over our money, our jobs, our savings and our national future.” One man has the “unrivaled power” over YOUR money, YOUR job, YOUR savings, and YOUR future. Does this make you feel all fuzzy inside knowing that you have no control over any of those but ONE MAN does?

3. Adding to the creativity, he has kept the Fed Funds Rate at near 0%. With it being at zero the intention is to free up more cheap money to buy stuff to “stimulate the economy.” Isn’t low interest rates how the housing bubble was created? I think so. So now you’re giving even cheaper money out. On top of that this does not encourage saving money. Have you checked your savings account rate lately? Just 3 years ago it was at 5% and now your lucky to get 1%. Thanks Ben for not promoting saving and instead more borrowing.

2. When was the last time you spent money to get out of debt? Never worked for you has it? So what makes Ben Bernake think the U.S Government can spend trillions of dollars to help us erase our debts? He can’t, that’s not how it works. The basics of it are that the U.S Government is just like any household but with bigger numbers. You will go bankrupt if you spend too much. Its that simple. Thanks Ben for putting the pedal to the metal and bankrupting the next generations of Americans as we will not be able to pay it back. Every American taxpayer is on the hook for over $111,000 right now and growing. Check the debt clock for an update. I understand you did not start this process but isn’t it just *as bad* that you are making it worse?

1. Transparency. Ben Bernake works for the Federal Reserve which is an organization that basically runs the U.S Economy by setting interest rates and being able to spend money without having to disclose anything.  How does that benefit any American Citizen? Its ridiculous how the Federal Reserve is even allowed to do this or to be in existence. It should only add fire to the fuel that American citizens should NOT trust the U.S Government to do anything. Let the free market decide what happens instead of fixing prices. Ben Bernake has only delayed the inevitable by spending more money. Prepare to have another real recession after the money is all spent thanks to the Federal Reserve and Time Magazines 2009 Person of the Year Ben Bernake.

If you would like to learn why the Federal Reserve and Ben Bernake are basically the devil I suggest you read End The Fed by Ron Paul. You will feel enlightened or pissed off or maybe both. For me it was both.

Post from: The Top 10 Reasons

The Top 10 Reasons Why Ben Bernake Should NOT Be Time Magazines 2009 Person Of The Year

1. Nobody likes the IRS. If there is a person out there who actually likes sending in their tax returns every year they must be an alien. The only people who like doing this are people who work at the IRS because it keeps them employed.

2. It is unconstitutional. No where in the U.S Constitution does it make it legal for the U.S Government to tax its own citizens. However, one of our greatest Presidents of all time never has this brought up against him. Good old “Honest” Abe Lincoln was the ass clown who brought the IRS (then Bureau of Internal Revenue) into existence with the Revenue Act of 1862 to help fund the Civil War. Obviously he did not get the chance to stop this theft from its new citizens when John Wilkes Booth killed him. Government liked this new found revenue from all of its old now new states and continued with it.

3. The IRS always makes people bring up that stupid question of “everybody has to pay their fair share.” Who decides what is fair? You don’t. Do you even know what fair is? If somebody ever says that after you tell them the IRS is one of the biggest wastes of space, please slap them. Then tell them to give you all of their money and that you will give back what is only deemed fair by you. See if that changes their mind.

4. The IRS provides no “services” to the individual. Have you ever sent in your income tax returns, wrote your check and wondered what you spent money on this past year to have the U.S Government charge you anything. I cannot think of one thing the U.S Government has done with my tax return money for me…ever. Everything we use that has some sort of Government function attached to it is already funded by a different tax, ie. roads are paid by gas taxes. The worst part is that you do not even get a receipt. Imagine going to your local dry cleaners and paying for your laundry. You always get a receipt for services rendered. The IRS does not have to do this. This just “steal” from you without giving you a receipt. If you were a business owner and ran your operations like this do you think you would have any return customers? Probably not. Instead of doing your income taxes this year, call the IRS and ask for a receipt for what services you used from the US Government. When one is shown, then pay.

5. The IRS in 2008 had a operating budget of $11.1 BILLION dollars (up from $10.4 Billion in 2007) and you know its going to be more in 2009 and into the future. Again, what do “we the people” get from paying taxes? I still can’t think of anything. Imagine saving $11.1 Billion dollars in tax payer money every year on something that has no value. The U.S could start paying back some that $11 Trillion of national debt (as of Jan 2009) it owes or the $4.5 Billion the U.S pays JUST IN INTEREST ever year.

6. The IRS creates $200 billion dollars in none value spending ever year by American citizens. That money is spent by you and I to hire tax accountants whose job it is to make sure we have done our taxes right. Their whole livelihood revolves around the theft of money from the IRS and then telling you that its ok if the IRS steals because they need you to pay them so they can buy food for their family. Sure, if the IRS closed, all of the tax accountants at H&R Block and tax lawyers around the country would be out of a job the next day but being a auditor for a company would provide more value for the economy than doing taxes. The $200 billion figure is probably a light figure. It does not take into account what you need to do to get to the point of filing taxes. You might need to take time off of work to drive to your accountant. This is time away from making money and time spent burning fuel in your car.

7. The IRS hates trees. Its tax code book is over 67,000 pages. Can you image what a book would look like that has 67k pages!! This equates to about one tree just to make that book. That is just the book to describe how stupid our income tax system is. Who the hell would ever want to read it. I bet you that its been added onto with the same laws or codes so many times because nobody at the IRS wanted to check to see if some law was written on page 27,272. As of July 2008 the IRS collected 59 million paper tax forms for the 2007 income tax return season. Does it get you thinking how many forms have been printed over the last 100 years.  The U.S population in 2009 is 305 million. So lets take 100 million adults a year x 100 years = OVERFLOW on my calculator. It does not want to calculate it because its knows how asinine this calculation is and does not want to know this number at all because it will start crying. Some 87 million filed taxes online in 2008. I know they are moving towards doing everything online but now the budget for their IT department is going to go up.

8. The IRS hates businesses a lot. With the recession of 2009 in full effect, the IRS is putting major corporations out of business. Here is one that hits home for me since I am in Detroit, MI. As we all know, Ford, GM, and Chrysler are hurting and it looks like one of them is going bankrupt. GM and Chrysler have asked for $7 Billion each from the second bailout plan to stay afloat. In 2007 General Motors paid $37 BILLION DOLLARS in income taxes. Here is a great idea. Why not give them back the $37 BILLION they ALREADY earned and let them stay in business. Do you think GM could develop a car that got 100 mpg with $37 Billion in research and development? I think so. Heck, they could probably build the Starship Enterprise to run off of shampoo with that kind of money. Instead the IRS wants to bankrupt GM by stealing from them and depress the whole Metro Detroit area so people lose jobs causing more homes in Michigan to go into foreclosure.

9. The employees at the IRS are given decent salaries with full benefits and a pension. Some IRS agents make over $100k a year. I know because when I use to work at Quicken Loans as a mortgage banker one IRS agent was a client of mine. He made $105k a year and had only been there for 2 years. Where in the private sector can you make $105k after being at a job for 2 years unless you are a Doctor? You can’t. IRS agents get guns. This means if you don’t pay your income taxes they can shut down your business or barge into your home demanding payment. If it was any other person off the street they would be called a thief, be arrested, and put in jail. Since the IRS agent has a badge it makes it ok though. This does happen. My same client told me about a story where he and some other ass clown agents had to shut down a car repair shop. It was the kind where dad and his sons were the mechanics, the cousins washed and detailed cars, and mom was the office manager. They could not afford to pay all of their taxes so the IRS put them out of business. Now all of them are out on the street with no income to buy food, pay rent, etc. Wouldn’t it be nice to throw the IRS out on the street.

10. Politicians use the IRS and income tax promises to get elected. Barack Obama was voted to President this year because he was not going to tax people who make below $250k a year. Of course he knew that less than 30% of the American population make above $250k. So why not vote for him. You are not going to be affected with your $50k salary. Even though 60% of the US income tax is paid by people who make over $250k. Its easier to tax those bastards who are doing something right. This is one way to get a lot of people to vote for you as some 65% did. Luckily for Barack Obama the word did not get out fast enough about Ron Paul. He was going to eliminate the IRS the day after getting elected and put 20% of your hard earned income back into your pocket regardless of how much you make. Read The Ron Paul Book. You Will Feel Smarter

Post from: The Top 10 Reasons

The Top 10 Reasons To Close The IRS

1. You are President Bush and have all of the power in the world to do whatever you want. When asked about the war in Iraq you admit that Al Qaeda and other terrorist organizations were not there in the first place. When you get called out by the news reporter about this gigantic mistake all you can say is “so what.”

2. Your Vice President Dick Cheney and when told that over 66% of the American population says the War In Iraq is not worth fighting you reply with “so.”

3. You are so blown away by #2 that you decide to make a top ten responses video on why VP Dick Cheney should care “so” much about the United States.

4. You are named after your favorite color (Pink) and don’t care about all of the things you have lost because “so what” your still a rock star and your having more fun.

5. Your an expert at Rock Band and your favorite band is Weezer. Say it ain’t “so” man, a 100%. Nice work.

 6. Your some of the best jazz musicians (Miles Davis and John Coltrane)  of all time and even though you don’t say a word through the whole song you have to call it something. “So what” should I call this song?

7. You ask out the girl of your dreams and you shoots you down but leaves a small window of opportunity for you. All you can say is “So” you’re saying theres a chance.

8. Your family has sold out to corporate sponsors. “So what,” your getting paid.

9. Barack Obama has promised to pay your mortgage and all of your bills. “So” why would I not vote for him?

10. After looking at reasons 1, 2, and 9 its no wonder why our country is “so” screwed up right now.

Post from: The Top 10 Reasons

The Top 10 Reasons To Say “So” Or “So What”

1. Last week I was driving to Detroit Metro Airport for some out of town business. Driving on I-94 I noticed a bunch of police cars. It was a little strange to me because it was around 11:30am. I am use to the early morning speed traps and the after noon ones but not at 11:30am. It was a little much. Four Michigan State Troopers were parked about 1/4 of a mile away from each other. Of course one was sitting behind a guard rail far enough back where you could not see him until you past him. The next one was the chase car. He was pulling people over that the first police car had radared. The classic hide and go seek tactic.

2. Getting back from my trip the other day my girlfriend picked me up at the airport around 7:30pm. Driving back on I-94 the same thing was going on. We drove through two speed traps in a matter of 5 miles. Why the hell are all of these speed traps going on?

3. Today I received my answer. The Detroit News had a big article about all of the speed traps going on in Wayne, Oakland, and Macomb Counties. It seems that Michigan has been voted as the worst state for speed traps by the National Motorists Association. Really, out of all 50 states Michigan came in at #1? I guess I can believe that because Michigan is the “Motor Capital Of The World.” Even today I noticed a small speed trap near Hayes and 17 Mile Road. One Clinton Township Police Officer was in a parking lot and another one was 1/8 mile up ahead with somebody pulled over.

4. Reading more into the article it states how the Police Departments have been writing more speeding tickets than in previous years. The reason behind it is to make up for loss revenues from property taxes with all of the foreclosed homes. Michigan is losing their butts out on both of those because of the economic crisis. The way I see this is that the local governments are working a little harder to keep their jobs now because they can’t just send you a increased property tax bill. So they tax you on your driving habits more than your car insurance company does.

5. Isn’t this ridiculous? Instead of actually solving real crimes we now have our cops out there looking to bust you for going 5 over. Maybe instead of having to make up for loss revenue the cities and counties need to revamp the way they collect taxes. It sucks how so many of the problems in the U.S all comes back to taxes.

6. I am not a fan of speed limits to begin with. Well at least on highways. In the city limits I understand there is some need for order but on the highway it should be up the user to decide how fast or slow they want to go. An accident at 70 mph or one at 100 mph is going to have the same result. If you can’t handle your car at 70 mph than you probably should not be worrying about other people driving at 100mph. You should get off the road and let somebody else drive.

7. Now, you are going to have to think twice about going to pass somebody on a local road or highway. Speeding up to pass somebody might result in you drving right into a speed trap. This comes with a guaranteed speeding ticket and a increase in your car insurance.

8. Utica Police Chief Michael Reaves said when he first started working as a cop 30 years ago it was not about increasing revenues. Now if his department does not produce any revenues they probably are not going to stay open. Isn’t that a bitch! I didn’t know that the Police were “in business.” I understand without revenue you can’t hire more police officers to protect the streets. Being a police officer is a risky job sometimes and it takes a unique individual to want to be one. I just wish they were not out there trying to write tickets just to keep their jobs because that’s what they are really doing.

9. Over my last 12 years of driving I usually drive the posted speed limit for the sole purpose of not having to pay a ticket. My friends hate when I drive because I go “so slow.” I always put the cruise control on at whatever the posted speed limit is just to make sure. Driving 5 mph faster is usually not going to make a difference in getting where I need to go. To combat faster driving I try to leave on time to make appointments. Its really that simple.

10. I know that by writing this its probably a bad omen. Even when I noticed the speed trap today I was doing 5 mph over because I was trying to pass somebody. From now on I think I am going to let people go by me and move behind them. I do not like supporting the local governments in this way. Especially knowing all of the troubles people in Michigan are dealing with. Maybe we do not need as many cops out there. If all they are doing is pulling people and not solving crimes then what good are they doing? Is speeding a crime? If so, then why does the Government allow car companies to produce cars that go faster than 70 mph? I’m baffled. Oh wait. Its because the Government needs me to go faster so they can get money to keep their jobs.

Post from: The Top 10 Reasons

The Top 10 Reasons To Drive The Speed Limit

1. The State of Michigan has decided to raise the unemployment tax rate to all of the businesses in the state. The Detroit News reported it and it just shows how messed up things really are in Michigan.

2. Some 40,000 businesses all received a letter stating that they need to pay more into the fund to help cover the amount of money going out to unemployed workers. I know if I was a business owner how pissed I would be. They already own a business in a state where the economy is the worst in the nation.

3. The unemployment debacle is only going to get worse over the next year or so. GM, Ford, and Chrysler are all on the brink of going bankrupt and do you know how many more people are employed by them?

4. Interestingly enough, the Detroit News had another article interviewing the Mayor of Warren James Fouts. He said if any of those companies go under some 23,000 people work for one of the Big 3 or its suppliers. This does not include the 3 jobs which live off of the auto workers like a barber, auto mechanic, deli owner, or your friendly bartender. This is just for the City of Warren. So what happens to the unemployment fund now? Do we really think a company who is going under is going to be ale to put money into the fund to help with unemployment benefits for 20,000 of its ex-employees? Probably not.

5. The unemployment assistance program has good intentions. Its there to help people make their 30 year mortgage payments and to buy groceries. But what do you do when probably 10% of your states workforce is going to be unemployed within the next year? The State of Michigan can keep borrowing money from Uncle Sam but only to put itself deeper in debt. The unemployment benefits is starting to backfire in a extreme way right now.

6. I know a thing or two about unemployment. Since December of 2007 I have been out of work. I collected unemployment benefits for the first time ever this past year. Sure, it helped me get by but I did something most people do not do. I have this habit of saving money for times like this. I always make sure I have enough money saved for at least a years worth of expenses. Some people say its hard to do but I disagree. The way I look at it is I got back all of the income taxes I have paid over the last two years. I would rather of been working but I feel like I am back at square one now.

7. Since I am still looking for a job and my unemployment benefits ran out after the second extension I am starting to use my savings. Of course I do not want too but that’s what its there for. I am against the whole unemployment benefits to begin with. Its not that I do not want to help people its that the system raises taxes on business owners, employs people who provide no benefit to the economy. An economist would call people who work at unemployment agencies a “net negative” employee. Their job was created by taxes to pay out more taxes. I found some info that the State of Michigan let go some 8,500 unemployment agency workers last year.

8. The real problem is income taxes. We are so heavily taxed that these programs almost are a necessity. Our way of life revolves around taxes and its getting out of control. What the Governor Granholm should do is close down the Michigan Unemployment Agency all together. This would save millions of dollars a year in operating costs. Put money back into business owners pockets to re-invest in their businesses.

9. The only way this is going to work is with a change in mind set. If we get rid of unemployment benefits people are going to know they cannot have a seasonal job and collect in the winter. They will have to get out there and work. They will have to learn how to save for a rainy day. They will have to take more responsibility for their own lives and not rely on the Government to bail them out.

10. Imagine if we could get rid of income taxes all together. This way you had control of the money you earned. If you want to blow it all on stuff, then its your own fault. If you want to be responsible, then you are that much further ahead.

Post from: The Top 10 Reasons

The Top 10 Reasons Why Unemployment Compensation Should Be Eliminated

1. After doing lots of research in who I thought would be the best pick for President this year I was able to come to a clear choice. Some of the major issues to me were taxes, the economy, the War thing going on in Iraq, health care, and foreign policy.

2. I have never considered myself a Democrat or a Republican. In the last election I voted for John Kerry mainly because I did not like George Bush. Last time I voted I was making $8 an hour busting my ass off for nothing just so I had enough money to make it up into the mountains in Colorado every weekend to go and “Shred the Gnar.” I did not care about anything else. I was 23 and just wanted to live. The only issues I had in my life was deciding to get a growler of microbrewery beer from Rock Bottom or picking up a case of Coors Light. Man do I miss those days.

3. After moving back to Detroit I started working at Quicken Loans. Talk about an eye opener. Working 14 hour days was not uncommon. I learned about finances and issues because the majority of my clients were in way worse situations than I was. I did okay at Quicken. I did not make a ton of money because I did not like selling people into new 30 year mortgages when the one they had was fine.

4. Before I started working at Quicken Loans I had never had to pay at income tax time. The most money I had ever made in a year was around $20k or so. My first year at Quicken I had made more than triple of my best year. Feeling pretty good about myself I was excited to see I might be getting back a ton of money at income tax time. Since I was not married, had no kids, and did not own a home I had zero deductions. I had paid over $6k in income taxes and was hoping to get back at least $2k. Since my income taxes are easy to do I do them myself. I’ll never forget this day. When doing my income taxes I got to the line where it said if this number is greater than 0 than this is your refund. If this number is lower than (or something like that) than this is what you must pay. I HAD TO PAY $2,200 MORE. I paced around my house for a hour dropping F BOMB after F BOMB. This is not like me as I am a pretty reserved guy. I told my dad about it and all he did was laugh. He was like “get use to it.” Luckily for the man I had developed good habits of saving money and was able to pay him his blood money. When I sent my check in I also asked for a receipt on what they were spending it on. Still have not got back anything from them in 2 years. It got me thinking about all of my clients I had and I knew probably 65% of them could not have wrote a check for $2k if asked. What happens to them? This was the turning point in my political opinions (or lack there of). From now on I was going to do my own due diligence and research the candidates. This way I would know who was going to tax me less and hold the government more accountable. I probably would not have done this if they would have sent me a receipt.

5. Getting more involved with political theory over the past 2 years because of this barrage of ads I decided to seek out my own info instead of this biased crap on tv and the newspapers. I was looking for a candidate who wanted a smaller government, less taxes, less government programs, understood that the war in Iraq is not a war, and had ideas unlike the other candidates.

6. It took my quite some time to do this. I took a look at one of those spreadsheets one afternoon where it had all of the Republican and Democratic candidates on it. After reading about the Democrats they all pretty much sounded the same. Nothing jumped out at me and said “I am that much different, vote for me.” All I saw was raising taxes one way or another. The Republicans were pretty much speaking the same. On the chart I saw from my local newspaper it only had the top 3 Republican candidates on it, McCain, Giuliani, and Romney. At the time back in 2007 I was pretty discouraged by all of the candidates at hand. It felt like more of the same or more of the same + worse.

7. Then one night I watched the Republican debate. There were a couple new faces up there. There was this one guy who kept saying things I have never heard before. Here is a highlight video of what he said at that debate. Um what. Eliminate the IRS in his first week of office? You have my attention. Only Republican to vote against the war. You have more of my attention. No “nation building,” no “policing of the world.” Seriously, stop it Ron. You must be crazy. Who says that kind of stuff?

 8. Heading over to Ron Pauls website I started doing some research. He never voted to raise taxes. His foreign policy is just as simple as the Montgomery Bus Boycott. The blacks were tired of segregation on the bus. So they stopped riding it causing the bus line to almost go bankrupt. The bus line needed them on the bus so they changed their ways to stay in business. Ron Paul did not want to fight wars with guns but with dollars. If we do not like you then we are not buying anything from you. By putting countries in the poor house, how are they going to be able to buy weapons to use against us. They can’t cause they are broke. Its really that simple. His policies were so simple and so in favor of letting the market decide what is best instead of the government just blew my mind. His argument was that the government is experts in nothing so why should they be the point of contact for information. Ron Paul’s resume is better than all of the candidates. He was a flight surgeon in the Air Force, had his own practice, delivered over 4,000 babies, and is currently a senator. It got me thinking that this guy knows a lot about the issues at hand and was not just some politician.

9. It was interesting watching some of the debates. Here is the only guy who sounds that much different than his party. The one guy who really wants to put power back into its citizens hands. The one guy who speaks the truth. I did my research about Barack Obama, John McCain, and all of the other candidates. This makes me a informed voter unlike the other 70% of the U.S population who probably voted because “I’ve always voted Democrat” or “Anybody but a Republican” or any other BS reason besides the real issues at hand. This led me to write about how we need to have a voter education course where voting is a privilege not a right. I could keep going on and on about his policies but instead you could read Ron Pauls website. I know Barack Obama was elected President last night and good for him. Unfortunately I believe it was because of popularity instead of issues. Maybe you could have watched a video like the one below to help you make a informed decision. There are so many videos on YouTube about Ron Paul but this is my favorite one. Every time I watch it I feel moved.

10.

Post from: The Top 10 Reasons

The Top 10 Reasons Why I Wrote In My 2008 Presidential Election Vote For Ron Paul

1. With the 2008 Presidential election around a week away it is starting to come down to crunch time for the candidates and the United States. This is being built up to be one of the biggest Presidential elections of all time. I really do not know why this one is any bigger than any of the past elections at all. Is it because of the economy? Is it because of the war in Iraq? Or is it that there is a person running for office who looks a little bit different than the preceding Presidents?

2. My friend Dave and I were at a bar this past weekend with some of our friends and their wives watching the Michigan/Michigan State Football game. The topic of “who are you voting for came about” while Michigan State was starting to beat up on Michigan. He replied with “I don’t vote.” His point was that he is knowledgeable about politics but not the issues at hand. Our friends wife was confused because Dave is a well read guy who can carry on a conversation about anything. He brings out a great question. “If you’re voting, and you’re surprised to learn that people you trust as knowledgeable about politics aren’t voting, perhaps it’s you that needs to reconsider.”

3. This got me thinking. I have spent the time this year to learn about the candidates and was able to form my own opinion about who I think will do a better job as President. The majority of people do not take the time to do research on their own. Most people gather their information from the ads they see on TV or from jokes that Jay Leno or Dave Letterman make. With the internet so readily available why do less people go out to gather the correct info?

4. Then I had the greatest idea of all time. “We the people” should set up a “Voter Education Course.” If voting is such a big deal and we need to do things like Rock The Vote and Get Out The Vote then why not “Educate the Voter.” There are a million reasons to vote but shouldn’t there just be a couple major ones?

5. In my eyes voting should be more of a privilege not a right. Kind of like a drivers license. I remember hearing a story a couple years ago about a Arab woman getting denied a drivers license by the Secretary of State after failing the written test. She bitched up a storm to the employees saying how she “deserved” a license. The cops had to be called to remove her from the building. She obviously did not take the time to read about proper lane changes or what a blinking red light means. So why would she think she “deserves” a license. That’s like me saying NASA deserves to let me fly the space shuttle with no training just because I want to fly it without taking the 5 years or so it normally takes to learn how to fly it.

6. So if the election is such a big deal then why are we not requiring any voter education. Sure, your not required to vote but there are a lot of people who do vote who should not vote. They vote based on anything but the issues. It always comes down to a popularity vote.

7. I am envisioning this “Voter Education Course” to actually be able to solve all of the United States problems. Figuring out the logistics of it all is another question but some kind of online forum or town hall meeting. The only people who want to vote are going to show up. This would eliminate those who get pressured into voting the day of the election or get dragged into it by their co-workers, etc. I don’t want those people showing up to begin with. More than likely they are just going to go in there and vote a straight ticket or whoever’s ad they remember seeing last on TV. If you do not show up for the course than you cannot vote.

8. What I am liking about this is it brings all of the power back to the people and away from the government. These people are not getting paid to be there, not being wowed by special interest groups, or lobbyists. The major issues will get discussed and probably some forward thinking will come out of it.

9. Here is an idea. What about a simple multiple choice test? First question: Do you want your income taxes: A. Raised (Barack Obama) B. Stay The Same (John McCain) C. Eliminated (Ron Paul). Of course no one is going to pick A or B. So its settled. Barack Obama or John McCain would not be voted in because nobody likes their policies. It’s that simple. This is what baffles me. I have probably been in over a dozen conversations with close friends of mine about this election. When asked who I was voting for I told them Ron Paul. Most have never heard of him. When asked about what he stands for I told him the first thing he was going to do was eliminate the IRS because all the IRS does is legally steal from the U.S citizens. Do you think I got a rebuttal from that answer? No. I won that debate every time. I mean what American tax payer can say they enjoy paying taxes. None. This is just one example but I think you see where I’m going.

10. One thing I like about the “Voter Education Course” is that it not only holds the candidate accountable it holds the voter accountable. No more just showing up to a voting booth and picking whoever and then trying to defend yourself over the next 4-8 years that you did not know said candidate was going to run the country into the ground. With the “Voter Education Course” you would know exactly what they planned to do. If the candidate runs the country even farther into oblivion you have nobody to blame but yourself because you voted for him.

Post from: The Top 10 Reasons

The Top 10 Reasons To Have A Voter Education Course

1. With this never ending housing/mortgage fiasco going on we need to take a look at some ways to correct the situation. With the U.S Government deciding to pass this stupid $700 Billion Bailout Plan which was supposed to correct the instability in the stock market (we all knew it was not going to work as the stock market has dropped below 10,000 points for the first time in 4 years since after passing it) with the U.S Government buying up all of these bad loans. Doesn’t the U.S Government print up this money in the first place? How did they let it get to this in the first place?

2. The mortgage lending system kind of works like this. The Federal Reserve has the power to set interest rates and to determine when they should open up the spickets to flood more money into the economy (thus lowering the value of the U.S Dollar). This money is lent to large banks like JP Morgan Chase, Citibank, Wells Fargo, etc. at the going prime rate. The banks are on the hook for that money they borrowed and now turn around and lend it to you in the form of car loans, home equity loans, and 30 year fixed rate mortgages with their premium added on top. The premium usually comes in the form of a higher interest rate.

3. I am not for any kind of regulation of any type. Maybe back in the day…which was on a tuesday…in like the early 1900s the flow of information around the country was not that good. Regulation was needed to keep things in check and to inform the American citizens. Nowadays, any person in the world can go to a computer and look up information of their own for free on the internet machine. Everybody has heard about the Google Machine and its so easy to use. Got off topic there. Regulation is funny because I feel like these companies that practiced predatory lending and doing crazy loans like option arms and negative amortization loans have regulated themselves as best as they could. They are no longer in business. Nothing says regulation better than your mortgage company going bankrupt. I mean could it be that easy? I think so.

4. Since the U.S Government feels like its doing all of us a favor (nope, just making it worse) by stepping in and cleaning up this mess why don’t they just take it to the next level. They already are bad mouthing mortgage companies across the land. Some CEO’s of mortgage companies have had to go in front of the Congress to testify about their companies. Then they get mad about falling property values and the millions of jobs that have been lost that are all mortgage related. All of the builders, construction laborers, mortgage brokers, home re-modelers, decorators, accountants, etc. All of those jobs have been lost because of this mortgage fiasco. Foreclosed homes are sitting around vacant in every city around the country. Nobody is exempt from this regardless of your income level.

5. The finance market will never be the same, but it never had to change in the first place. Only over the past 6 years has this phenomenon of easy money and loose lending standards ever taken place. Before that it was mandatory for anybody buying a home to have a 20% down payment. The days of 100% financing are gone but there are still some programs that will do 97% loan to value. The only place you are going to find those is through the FHA. I was talking to a friend of mine the other day that works at a mortgage company still and they told me that over 60% of their business is FHA. I wonder why? Could it be because the FHA is the only entity doing loans over 90% still? Probably. The finance sector was always a strong area to invest in. You could usually count on gains in the 5%-8% every year. Mainly because the banks were always making that kind of return. This meant to people that were looking for a solid return on stocks or their 401k knew that they were getting a safe return every year and with a 401k calculator they could figure out how fast they could make a million dollars over their life time.

6. Let’s just get the middle man out. If the U.S Government were to start writing their own mortgages the process of getting a loan would be so much easier. No more haggling with mortgage brokers over interest rates and closing costs. No more shopping for the best rate on a home loan. No more feeling like you got ripped off. No more mortgage brokers making quick profits and then shutting down their business and moving onto the next quick money maker. The mortgage application process would be that much easier.

7. Most people do not know that mortgage rates are a commodity. They are traded on the secondary market just like orange juice. On normal conventional mortgages you will be offered the same interest rate as any other bank that day. These markets trade mortgage notes all over the world trying to make a profit off of their investment. Wouldn’t it be cool if the U.S Government could just step in and set their own interest rates for their beloved citizens?

8. The U.S Government can set their own interest rates. What they should do is start printing up their own money (I wish I could do that) and start offering everybody a 30 year fixed rate loan at 5%. Let the U.S Government write the loan and hold onto the note. This way the money they printed up in the first place is being watched over by them and they can collect the interest on it, not a bank. I know what you are thinking. The banks are paying back the loans over a long time period so isn’t the U.S Government still getting theirs? Maybe. What the banks do is borrow the money, sell you a mortgage, and sell the loan. As an example, on a $100k loan, the bank will borrow the money from the Fed or even a larger private bank at let’s say 4%. They start getting charged the interest as soon as they take the money. They write the loan and sell it within the first month. They charge a 2%-2.5% premium. Which means that $100k loan is now being tried to be sold for $102,500 making them a quick $2500 profit. The original $100k is paid back before any large amount of interest can be charged by the Fed and the second bank walks away with no ties since they do not hold the note any more. It would be better if the U.S Government would just hold onto those notes and make the 5% forever. That 5% note will end up making the Fed over $120k just in interest over 30 years. No banks involved. No selling of notes. Just the U.S Government charging a low amount of interest to its citizens and getting a decent return.

9. The return that the U.S Government would make could be used to pay down its national debts. What an idea. Pay down its debts while putting some coin back into its pockets while helping its citizens out. It would not have to worry about shady mortgage companies. No more time spent on Capital Hill grilling mortgage company CEO’s. No more finger pointing. No more worries. Make the underwriting guidelines the same as they were back in the 1990s and before.

10. The one thing that always sticks out the most is that the U.S Government already owns your home. Let’s say that you do not escrow your property taxes and home owners insurance but still pay your monthly mortgage payment on time. You have no mortgage lates on your credit report but are late paying your property taxes. It gets to the point that you just cannot afford your property taxes anymore. Did you know that the U.S Government can come in and take your home anyways? Since you are behind on your property taxes your house is theirs. Ever seen those tax lien commercials where people buy up homes with past tax liens of $3k where the home is worth $100k? Its real, that stuff happens. Every single mortgage company in the land could not lend anymore. Maybe they could service the loans the U.S Government writes now. Anyways, the U.S Government can make some money by charging lower interest rates and never have to worry about a mortgage mess happening again.

Post from: The Top 10 Reasons

The Top 10 Reasons The U.S Government Should Become A Mortgage Lender

1. If Congress passes the $700 billion bailout plan this would be one of the biggest mistakes ever in the history of the United States. It blows my mind to think about how we even got into this situation but its probably why I write about the mortgage industry so much. If this stupid bill gets passed it could ultimately lead to the end of the United States as we know it. What’s that you say, the United States can’t fail? I understand what you are saying. Hey, do you think you could go over to Europe and talk to somebody from the Roman Empire for me? I want you to ask them how the most powerful civilization in the history of the world is doing. Just one person, that’s it. What’s that? There is no Roman Empire anymore? How could this be?

2. I am not sure on the exact numbers but right now China holds some ridiculous amount of the United States debt. When we did not have enough money to lend to from within we called up China and they sent us over a bunch of money. We have been paying interest on that money for quite some time now. The tricky part of this is that China can “call” on that debt to be paid back at any time. This puts us in quite a predicament because if we couldn’t just print up the money in the first place for ourselves how the hell are we going to come up with the money to write a one time lump sum check. We can’t. If this stupid bill gets passed, the U.S Government will now have to figure out some way to run the USA on 19% of the income it gets from income taxes. Yup, that’s right. If this bill gets passed, this bill plus the other expenditures (Defense Department, Department of Education, Border Patrol, Some War Going On In Iraq, You Get The Picture) will now assume 81% of the revenue the IRS collects from taxes. If this does not get you thinking that we are screwed because we are already trillions of dollars in debt than I do not know what will.

3. Worst phone call of all time happens the day after the $700 billion economic dummy plan gets passed from Chinese President Hu Jintao. It goes like this. “Hey George, its Hu,” says Hu. “What up Hu,” says W. “I want my money,” says Hu. “We don’t have your money,” says W. “You bankrupt now,” says Hu. “Crap,” says W. “This better than launching nuclear weapons at you,” says Hu. “…,” says W. Its really that simple. If this bill gets passed, China can call us up and say they want all of their money paid back the very next day. Of course we can’t pay them, because we are already broke, and now we are even more broke. Picture the movie “Pretty Woman” where Richard Gere buys failing businesses and sells the pieces individually and makes a profit. We would have to start doing something like that. Maybe we could sell (give) them Alaska or Hawaii to wipe the slate clean.

4. The only people that win with this bailout is the executives of the mortgage companies and banks that are failing. They have already made a crap ton of money and now they do not even get a slap on the wrist. WTF? Sure, they get fired, but after making $20 million in one year of so called work is not to shabby. There is no need to ever go back to work.

5. The tax payers are not going to get any kind of reward from this. I kept looking at this plan on the NYTimes site and I could not think of how we earn our money back. The problem is that the system is not going to change at all. All that happens is that the U.S Government now owns a bunch of crappy mortgage notes that nobody wanted in the first place.

6. Here is how I believe the U.S Government thinks its going to work in favor for the citizens it cares for. They buy a mortgage note on a property that has been foreclosed on. They are telling us that they are going to charge interest on that loan and get paid back that way. Wait a second. If nobody was paying that mortgage to begin with how are you going to get paid back now? You can’t keep charging interest to nobody. Nobody lives in the home. The bank does not own the home, the U.S Government now owns the home. How does the loan get paid back + interest? I do not see how this happens.

7. The only way I see any part of the loan getting paid back is when the property is sold. Again, how does the U.S Government and the tax payers get paid back and make money? They don’t is the answer. If nobody wanted to buy the home at a discounted value in the first place, then what makes you think somebody is going to step up and buy this home at what is left on the mortgage. Here’s an example. Somebody bought the home in 2004 for $250k and did 100% financing. Times got tough for this couple and they had to foreclose in 2007 because of a loss of job. They still owe $248k on the home but all of the homes around them are also dropping in value and those homes are all now selling for $175k. The home could not of been sold before foreclosure because the balance was to high. Now the Government is going to step in and assume that mortgage note for $248k. They cannot sell the home for $248k. The only offers they are getting are for $165k. In the mean time, somebody needs to be cutting the grass (costs money) checking the pipes (costs money) and maintaining the house (costs money). To keep the house from being fined the U.S Government will need to send somebody to do those things so it does not get fined by the local government where the house is. That is funny. The “Local Man” is sticking it to the “Federal Man.” Anyways, the U.S Government knows they cannot sell the home for what is owed on the house so they sell it for $170k. This comes out to a $248k – $170k = $78k loss. The $170k gets paid back to the $700 Billion dollar loan but with a huge loss, that did not collect any interest at all.

8. I do not see how the scenario above does not happen across the board. People are not going to over pay for a house and if people were smart they would wait until 2010 to buy a home. At that time most of the damage will be done with foreclosures and property values will probably have leveled off. Going back to the $700 billion dollar dummy loan. If the U.S Government is going to take a loss on all of these properties and bad mortgages how are they going to make any money. The $700 billion out lie of money will ( if we are lucky) probably get paid back by 50% over the next 30 years. This means that we lost $350 billion plus the interest that the U.S Government could have earned in bank accounts of their own over 30 years. It probably comes out to some ridiculous number like a $1 trillion or more. I think the math looks pretty simple to me, I hope I am missing something. The housing market is not going to change because of this bill. The credit markets are going to get tighter. Less money is going to be lent. The mortgage companies that are remaining are not going to lend money to people with bad credit. They know that they are not going to be able to sell that loan on the secondary mortgage market. So they change all of their underwriting guidelines to make it harder for people to get approved on a mortgage. By harder, I mean the way it was done for 80 years before 2001. There is still plenty of money floating around for people to get a 30 year fixed mortgage. You just need to have credit scores over 720, no mortgage lates, money in the bank, and a solid job history. Its that simple. Banks will fight over you to do business with you and that’s the way it should be. Their will be more mortgage companies going bankrupt even if this $700 billion bailout goes through. There are less first time home buyers in the market. Many are going to just wait it out as long as the market keeps going down. There are less people that can qualify when trying to refinance their home. Many owe more than what their house is worth and no mortgage company will go near that home loan. Those two examples alone are the bread and butter of the mortgage industry. No people buying homes and no people refinancing their homes means less business, which means more layoffs, which means more bankrupt mortgage companies. So, $700 Billion does nothing to save the mortgage industry or to keep it going. All it does is put the U.S Government on the hook for a bunch of crappy loans.

9. I understand that the whole goal of this is to “calm the markets.” I told myself I was not going to do this but I went and checked out my 401k statement this morning and it is down 27% for the year. It was shocking to say the least. I was tempted to take it all out of the stocks that I have and put it into the money market that is earning 2%. Maybe I’ll do that and maybe not. I do not plan on cashing any of that money out for another 30 years (hopefully there will still be something there) so it will probably stay. What worries me is the people that are like my parents age. In their late 50′s and are living off of the dividends in their 401k’s and IRA’s. I am sure they are not happy that 27% of the money they had invested is now gone. Hopefully they moved it all into a mutual fund when they retired so they are not affected by this change in the market. The market will always have its ups and downs. Yesterday the market had its biggest one day loss in its history. Everybody was assuming that the $700 billion dummy plan was going to get passed so investors were assuming what was a safe bet to make on stocks. The market had already planned for it to go through so value was still there. When it did not get passed in afternoon trading people started jumping ship. It was not expected. This morning, the market is up over 2% from its 7% loss yesterday. What is happening is people know if they start buying today they are going to get a big discount on stock prices. Its simple “Buy Low, Sell High.” The market will correct itself but it does not need the U.S Government doing anything.

10. I really hope that this $700 billion economic bailout does not get passed. It would mean that my generation would be paying on it until I am retired. If you look at the wording in the bill, at year 5 there is this statement that baffles me. It says something like “If this bill is not working in the tax payers favor we can make changes to benefit them.” That statement scares the crap out of me. Throw in the towel now before it gets even worse. The U.S Government is working our country to being bankrupt. Do not think it can’t happen. I wonder what Barack Obama and John McCain are thinking right now. It sure would be an accomplishment to be the President that was able to work us out of one of the toughest times in U.S History. Its sad that it is tough because all of this we put on ourselves. The Iraq War, Housing Crisis, all from the U.S Government. Every time I start thinking about this election year and what is going to happen after it I wish there was something more I could do to spread the message about Ron Paul. He was our only shot and the average American did not take the time to educate themselves about the important issues. I hope that this $700 billion economic bailout does not go through for the future of all American citizens.

Post from: The Top 10 Reasons

The Top 10 Reasons Why Congress Should Not Pass The $700 Billion Bailout Plan

1. I would like to start this off with saying that I do not support Barack Obama at all. You can read my reasons to not vote for Barack Obama and agree or not agree. If anything there should be even more reasons to not vote for Barack than McCain but I am going to try to be fair. Well, maybe not. I don’t believe either candidate is going to change anything during their terms if they were to be elected. There was one candidate who was running against John McCain for the nomination from the Republican Party but obviously did not get the nomination. He did not get the recognition he deserved and its mainly because this guy did not get any love from the major media networks. I am not going to tell you who this was right now but at the end of this.

2. John McCain’s stance on the war in Iraq is one that is very little from Barack Obama’s. Neither of them want to have immediate troop removal. I get the feeling from reading John McCain’s website that he does not want to have the troops there anymore but feels that it is our responsibility to ensure that Iraq is turned over to a government that is ready to handle its new responsibilities. You can’t argue against his military knowledge. His counterinsurgency strategy is working. The question is why do we need a counterinsurgency strategy? Sure, did the U.S go into Iraq with poor information? Yes, we can all agree on that. The problem is that we are never going to be successful in the middle east. On top of that, what are we trying to achieve in Iraq or the middle east to being with? Do not give me this Al-Qaeda crap. Al-Qaeda is pissed because we are there. The best foreign policy is no foreign policy. If people want to have religion run their lives, so be it. We are not going to change anything that goes on over there. What we need to do is cut our losses, give the keys to Baghdad back to the interim Iraqi Government and leave. John McCain should just let it go and focus more on what’s going on in the U.S. If the war in Iraq is the main reason why people do not like George W. Bush than why would you vote for somebody who wants to stay there? There was this guy that said he would bring the troops home the next day after being elected. I guess having American soldiers getting killed for some reason that none of us have a clue about is ok because you did not take the time to read about all of the candidates.

3. John McCain’s National Defense stance is no surprise. I cannot say anything bad about his career in the Navy. He is the ultimate bad ass. Getting the opportunity to leave early from prison but does not because he wanted to stay with his fellow soldiers. I am sure that he has some stories that cannot be printed or told on tv.  As you can see from his website he wants to have a larger military. He believes that we need to have a larger presence around the world. I really cannot believe that both of the leading candidates for President Of The United States think we need a larger military. What good is going to come from a larger military? None. I understand that there are these “rogue states” like Iran and North Korea but what makes them “rogue?” What are these countries trying to do to us? There must be something that you know that we do not. You probably got some information in a meeting with W. and he told you some stuff that you could use as a scare tactic. I don’t believe it anymore. Why would these countries want to start a war or launch an intercontinental ballistic missile at us? I don’t think they want to. What’s funnier is that John McCain wants to support “Smarter Defense Spending.” Um..huh? You just told us that you want to spend more money on soldiers salaries. How about just closing all of the bases around the world and bringing all of those troops home and making them get new jobs. I bet you this will save billions of dollars a year in defense spending. At the same time we would be taking our troops out of harms way and giving back the land we occupy in foreign countries back to them. There was this guy that was going to close all of our bases around the world the day after being elected President. He said that by doing so it would save enough money in one year to give all U.S citizens free health care if we wanted.

4. John McCains policy on the economy is better than Obama’s by a lot but still not good enough. I like how he wants to lower corporate taxes from 35% to 25% (when I read it was 35% I almost puked) and this is why its hard to do business here in the states. This does promote business but does nothing for wages. What good is new business without better wages. Sure, more firms will stay in the U.S if they get lowered taxes but shouldn’t your first order of business be to lower income taxes? There was a guy that was going to abolish the IRS the day after being sworn into the office of President. You have to ask yourself this question. Is lowering the taxes business (small or large) pay by 10% more than getting rid of the 15% income tax that most Americans pay? Last time I checked 15% is more than 10%. I bet even more businesses would come back to the U.S if the people that ran them saw that they were no longer going to have to pay income taxes themselves. Imagine how much money the U.S would save by no longer having to run the IRS. Its in the billions.

5. What is interesting about John McCain is that his website does not give as much information up as Barack Obama’s. I stopped while reading over McCain’s site and could not find that much information about how he was going to change more things just what he wanted to change. I kind of came to the conclusion that McCain wants to run a government that is not in our faces as much as Obama does. How I started writing this was going over the major points and coming to a conclusion. Its hard to give a lot of reasons not to vote for him if everything he has for me is little bits of info. There was no talk about 30 year mortgages or the growing foreclosure problem. With so much talk about these in the news every day I would at least like to know his take on it. If his take is nothing needs to be done by the government than I agree.

6. While I feel that John McCain is not going to change the day to day life of Americans he is not going to be as bad as Obama. Besides his take on Iraq and National Defense he actually is saying enough is enough on some major topics like health care. He does not want universal health care but wants a system that gives flexibility to each American citizen to decide what company they want to go with. I feel that this is not much different than right now because I currently buy my own health insurance. Its like $50 a month for catastrophic care.

7. Even his take on the Roe vs. Wade is not that bad but I do not totally agree with it. His site wants to get rid of the U.S Government from making any decision on the issue and give it back to the states. He then says he wants to end abortion. Well, you are giving up federal powers and giving it to the state powers. The states are still a government so its like nothing changed. All you did was pass the question on to the state, which I like, but the Roe vs. Wade and abortion issue should not be a government issue at all. I know by me saying that it makes me pro-choice and I would rather have a mom go through with abortion than raise a kid she does not care about. I remember reading the book called “Freakanomics” which discussed all of those weird economic numbers that never get talked about. It was interesting that in the book it showed how after abortion became legal that 16-20 years later crimes dropped around the country. The author says that there were less adolescents in those years in previous years in areas of the country that usually are high crime areas.

8. I just get the feeling that McCain has the opportunity to make some greater changes than what he wants to do. The issues he has that are important are things that should not be an issue. His take even on immigration brings up too many responses from me like, “duh.” Be harsh on companies hiring illegal citizens. Do background checks on illegal citizens here and determine if we should make them citizens. If they can then they need to pay us back taxes or get lost.

9. The sad thing is that I dislike John McCain less than I do Barack Obama. John McCain got all of the publicity because of his Naval career and American citizens relate to that because all of us know somebody who is in the military. Unfortunately this does not mean that your political policies are what’s best for the U.S. The issues I feel that are important, income taxes, economy, war in Iraq, less government, McCain misses out on. The guy that should have been the Republican nomination was Ron Paul. Imagine waking up the day after he was elected President and not paying income taxes. Bringing home ALL of our troops around the world and saving TRILLIONS of dollars that could be used to pay back all of our debts. Doing this would make the U.S dollar worth more and give more financial security to U.S citizens. Ron Paul would close a lot of failing government programs like social security. The only way to fund social security is to raise taxes. No where on McCains site does it talk about social security so I could not talk about it. Ron Paul was going to get rid of the Department of Education because it is proving that it is a failure. He wants to leave it up to the states to teach their kids what they think is important.

10. I almost do not want to vote this year and am debating whether or not I am going to. I absolutely do not want Barack Obama and do not feel that things are going to get worse or better with McCain. I am thinking about doing a write in vote and putting down Ron Paul. My hope is that in 4 years when they look at all of the votes maybe other people would have voted for him and the media would be like “how did Ron Paul take 7% of the vote?” It sucks because I really do not want Obama and get the same feeling every election year that my vote does not do anything. I would suggest to anybody that really wants to see what a visionary leader would have been to read Dr. Ron Paul’s websites and this video. It is one of the most viewed videos on YouTube ever. Hopefully it will move you and enlighten you.

Post from: The Top 10 Reasons

The Top 10 Reasons To Not Vote For John McCain