Brad, Although I understand your valid point that you are pointing out.... I disagree.
You are assuming incorrectly that homeowners and small WISPs are looking to the Government to hold their hand to solve their problems. for example, I've done it on my own, and rose to the occation, I pay my bills even though I'm getting ripped off, and I honor my agreements. Becaue I've been left to fend for myself, I have become stronger for it. But what I was previously saying is that there is a double standard and not fair equal treatment to all, by the government, or from lenders. Why should a middle class or more wealthy individual get help, but not someone in a more vulnerable position that could use the help? Expecially when that help could translate to public good. Sometimes when people get help they apply that help to enabling them to be a better contributor to the world. Asking for help does not mean they have to just be a permanent sponge. As a young adult, I was to proud to ask for help, I had something to prove and had to do everything on my own. I was successful, but it was hard and I did not reach my potential. But as an experienced adult, I've learned there is nothing wrong with accepting help. Most people that are successfull didn't do it on their own, they got help from somebody in some way. Its the reality of this world. Those that ask for help and take it do better than those that do it on their own. There are very few real rags to riches stories where someone truly did it on their own, their own way. Government should be a resource for people to get help. I never said anyone should "rely" on the government's help. But if Bread is being passed out on th food line, I am equally worthy to put a peice on my plate. Tom DeReggi RapidDSL & Wireless, Inc IntAirNet- Fixed Wireless Broadband ----- Original Message ----- From: "Brad Belton" <b...@belwave.com> To: "'WISPA General List'" <wireless@wispa.org> Sent: Friday, February 05, 2010 12:50 PM Subject: Re: [WISPA] Common Carrier or what: The FCC'srole inregulationof net-neutrality > "The Government isn't doing enough. They are failing Homeowners, in > similar > ways that they are failing to assist small ISPs. They label them > financially unworthy to give help to." > > > This statement/sentiment in a nutshell is the problem. Those that are > looking to big government to hold their hand and make everything ok > because > they feel they can't do anything for themselves. > > The government is doing precisely the opposite and involving itself into > issues that it has no business being in. This is why we're in the > situation > we're in today...after decades of growing government we are now at the > breaking point. > > Best, > > > Brad > > > -----Original Message----- > From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On > Behalf Of Tom DeReggi > Sent: Friday, February 05, 2010 11:42 AM > To: WISPA General List > Subject: Re: [WISPA] Common Carrier or what: The FCC's role inregulationof > net-neutrality > > Unemployment stats are also misleading. For example, Many people had high > dollar jobs when they qualified for their homes, then lot them. They then > tppk jobs at half the salary because that is what they could find. > UNemployment stats dont show that people are Employed but working in job > at > half their normal salary. The people are now caught up in mortgages that > are > > more than they can afford, because their economic position changed. Then > there was no way out of the situation. What do you do when the market is > down and no one will buy your home that you can NO LONGER afford, but once > could? > > I just dont believe that the reason for home market crashing isbecause the > government was bad amd the Homeowners were not worthy enough financially > to > be homeowners at the time they bought their homes. It is extremely short > sighted to think otherwise. The problem primarilly lied with Middle Class > borrowers, NOT low income borrowers. Again, the results wont adequately > show that because the MiIddle Class got a bailout from the Government, and > the Super Rich got a Bailout from the government, but little ol low income > was left on their own to fight off the wolves. > > One of the Largest tragedies of the ARRA efforts is that the people that > need the help the most have been ignored. > > Its ironic when the government programs are helping people get rock bottom > rates that can already can afford to pay their mortgages and had > reasonable > rates, but yet people that are struggling, and potentially could continue > paying their mortgage if they had the opportunity to reduced their loan > shark rates down to reasonable lower interest rate, dont get the > opportuity. > > Its a crock. > > The Government isn't doing enough. They are failing Homeowners, in > similar > ways that they are failing to assist small ISPs. They label them > financially unworthy to give help to. > > > Tom DeReggi > RapidDSL & Wireless, Inc > IntAirNet- Fixed Wireless Broadband > > > ----- Original Message ----- > From: "Jeff Broadwick" <jeffl...@comcast.net> > To: "'WISPA General List'" <wireless@wispa.org> > Sent: Friday, February 05, 2010 9:04 AM > Subject: Re: [WISPA] Common Carrier or what: The FCC's role inregulationof > net-neutrality > > >> That's just not accurate Tom. The Community Reinvestment Act required >> lenders to do a lot of this stuff and then Fannie and Freddie created the >> market for the paper. >> >> >> Regards, >> >> Jeff >> >> >> Jeff Broadwick >> ImageStream >> 800-813-5123 x106 (US/Can) >> +1 574-935-8484 x106 (Int'l) >> >> -----Original Message----- >> From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On >> Behalf Of Tom DeReggi >> Sent: Friday, February 05, 2010 2:19 AM >> To: WISPA General List >> Subject: Re: [WISPA] Common Carrier or what: The FCC's role in >> regulationof >> net-neutrality >> >> Brad, >> >>> People are losing their homes.many of which never should have been >>> afforded the privilege of home ownership if it were not for big >>> government forcing lenders to lend to unqualified buyers. >> >> You had me, until the above paragraph. That is a crock of ShXX. >> >> Most housing foreclosures are conscious business decissions by the middle >> class, to improve their finance and cash flow. They ask, Is it worth >> continuing to sink money into this bad investment losing money? I will >> say >> that there are a shortage of buyer. So when an investor cant offload >> their >> losing investment (House) to someone else, they resort to less ethical >> choices. >> What does someone do if their house jsut lost 50k in value? IF they go to >> foreclosure, they can pretty much live rent free for a year in their >> home, >> before they are forced out. If they put their rent check in hidden >> savings >> instead, they earn 50k that year. That combined with gettting out of a >> loan >> taht is valued at mor ethan the house, it is a net $100k earning, for >> doing >> nothing. They learn they can earn more losing their home than some people >> do >> holding on to their home as an investment to resale. >> >> And governments were not the ones forcing lenders to lend. Its the >> opposite.... Government regulation is unnecessarilly setting regulations >> to >> make buying harder for consumers, to address a problem that didn't exist. >> >> Some People loose homes because.... a home is a 30 year commitment, and >> its >> hard for anyone to predict how one's life will pan out every year for 30 >> years. All it takes is one bad year, and there goes the house. People >> loose >> houses because they loose jobs. People loose houses because most >> personal >> debt is secured by their house, and loosing the house is the easiest way >> to >> get rid of the other debt. People lose houses because they cant live >> within >> their mean in other areas of their life. Or because they set their sights >> to >> high. But the biggest reason people default, is because they develop a >> sense >> of satisfaction or entitlement in screwing their lender when they feel >> they >> were taken advantage of by their lendor. Even with Bankruptcy, there are >> some interesing stats, for example, almost all people that go bankrupt >> religiously paid their bills the many years prior to, and that they had >> an >> average interest increase of 80-100% the year they filed. The borrower >> could have paid and wanted to pay, but whenthey felt there was no way out >> of >> getting screwed by the lender, they make a business decission. >> >> Part of the problem was dishonest overstated appraisals, and greedy >> lenders >> approving loans at values higher than the homes should be worth. Sure >> there >> is a percentage of foreclosure that are legitimate cases where the >> homeowner >> can no longer afford to pay their mortgage. But many are conscience >> business >> decissions on their investment. Why do you think Obama decided to help >> Middle class save their homes, while they let the most needy loose their >> homes? A Interest rate savings canbe justified as a clear business >> decission >> that might influence the middle class home owner to want to keep their >> home, >> instead of purposely defaulting. >> >> I will agree that the Government is not taking the right approach to >> solve >> the problems. But they surely are not the cause of the problem. >> Assisting >> Americans into HomeOwnership is one of the largest success stories for >> America. And government assistance (such as FHA loan) was one of the >> answers >> to when the private sector was not willing to solve the problem on their >> own. >> >> >> Tom DeReggi >> RapidDSL & Wireless, Inc >> IntAirNet- Fixed Wireless Broadband >> >>>> Brad Belton wrote: >>>> Jack, >>>> >>>> >>>> >>>> Your police analogy is flawed. >>>> >>>> >>>> >>>> While it may take a larger police force to serve and insure the >>>> safety of a larger population it does not take a larger government >>>> body with increased invasion of those people's lives to govern >>>> effectively. A larger population requires no more or fewer laws than >>>> a small population as the laws are applied to all regardless of the >>>> size of population. >>>> >>>> >>>> >>>> Agreed, the more people that "give up" and begin to simply depend on >>>> the government to provide for them the worse our country (or any >>>> country) becomes. This is exactly what big government wants; the >>>> people to become more dependent on them. The more dependent the >>>> people become on big government the more power they have over your >>>> life and the fewer freedoms you enjoy. >>>> >>>> >>>> >>>> Why is it that so many small businesses exist? They exist partly >>>> because they can provide a better service/price than the "big guys". >>>> Wireless providers (other than those looking for a handout to keep >>>> their doors >>>> open) >>>> exist because the ILECs created an opportunity that we identified and >>>> acted upon. Capitalism and the market works well as long as big >>>> government stays out of it. I don't know about the rest here, but >>>> the more the big Telco's charge the better my business does! >>>> >>>> >>>> >>>> What does America have to show for all the ridiculous recent spending? >>>> GM >>>> is still losing Billions of dollars, the big banks that were forced >>>> to take TARP haven't changed and many have repaid TARP to get the >>>> government out of their business. Is it such a bad thing to own and >>>> operate a small business with no long term debt? Sure, it makes >>>> getting the company off the ground that much harder, but it also >>>> creates a personal investment and commitment by the proprietor beyond >>>> any cash infusion. >>>> >>>> >>>> >>>> Unemployment is nearing record highs as those (evil guys) that employ >>>> people weather the storm of uncertainty. People are losing their >>>> homes.many of which never should have been afforded the privilege of >>>> home ownership if it were not for big government forcing lenders to >>>> lend to unqualified buyers. >>>> >>>> >>>> >>>> I can go on, but I get the feeling none of this makes any sense to >>>> you, Jack. That's fine with me.there are those that do and those >>>> that.I don't know.just coast along I guess? >>>> >>>> >>>> >>>> Best, >>>> >>>> >>>> >>>> >>>> >>>> Brad >>>> >>>> >>>> >>>> From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] >>>> On Behalf Of Jack Unger >>>> Sent: Thursday, February 04, 2010 7:55 PM >>>> To: WISPA General List >>>> Subject: Re: [WISPA] Common Carrier or what: The FCC's role in >>>> regulation of net-neutrality >>>> >>>> >>>> >>>> Brad, >>>> >>>> You are misunderstanding or ignoring what I've been saying so let's >>>> try it again. >>>> >>>> When you have more people crowded into the same space your are going >>>> to have more frequent and more complex problems, including more >>>> fighting over the available amount of resources. Like it or not, >>>> attempting to maintain order is expected of government, be it large >>>> or small government. A two-person police force is expected to be able >>>> to maintain order in a tiny community and a 10,000 person police >>>> force is expected to be able to maintain order in a large city. A >>>> two-person (small government) police force will not be able to >>>> maintain order in New York or Los Angeles. "Socialism" (however that >>>> is defined or mis-defined) has nothing to do with this basic >>>> dynamic. >>>> >>>> America was built by hard-working people who thrived within the >>>> limited government framework that the founding fathers provided. >>>> Unfortunately today, 99% of the working people have lost or given up >>>> their power to govern their own lives. That power now resides in the >>>> hands of large corporations (banks, factory farms, seed companies, >>>> meat processors, insurance companies, news networks, incumbent >>>> telecom companies, etc.). Government has unfortunately become >>>> complicit in this dynamic. Today, big money corporations control >>>> government by "buying off" politicians through large campaign >>>> contributions. It doesn't matter if the politicians are Democrats or >>>> Republicans. Our big-money political system has corrupted virtually >>>> all of them. Until we fix our broken political system by removing >>>> the corrupting effect of big money, none of us will regain the >>>> freedoms that were fought for and won by our ancestors. >>>> >>>> jack >>>> >>>> >>>> >>>> Brad Belton wrote: >>>> >>>> Jack, >>>> >>>> I completely disagree with the notion that America has to become >>>> smaller to have a smaller less invasive government! It is a >>>> socialist mentality to think that only government can grow America or >>>> help Americans. >>>> >>>> America achieved its success by people utilizing their abilities to >>>> better themselves and their lives free of an overly burdening >>>> government. >>>> America >>>> was not built by grants, entitlements or anything big government can >>>> possibly provide. Instead our constitution provides a framework >>>> outlining government limitations, so as to prevent government to ever >>>> be able to control the people it governs. The people of the republic >>>> govern not the other way around. >>>> >>>> Countless Americans have given their lives to protect the very >>>> freedom big government takes away. Government run health care just >>>> happens to be the straw that broke the camel's back and Americans are >>>> saying enough is enough in overwhelming numbers. >>>> >>>> >>>> Brad >>>> >>>> >>>> -----Original Message----- >>>> From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] >>>> On Behalf Of Jack Unger >>>> Sent: Thursday, February 04, 2010 4:48 PM >>>> To: WISPA General List >>>> Subject: Re: [WISPA] Common Carrier or what: The FCC's role in >>>> regulation of net-neutrality >>>> >>>> Brad, >>>> >>>> There is really only one way to get a smaller government without >>>> throwing society into total disarray. That method is to have a >>>> smaller country, in other words, a lower level of population. With an >>>> exploding population there is just no way that I can see to get a >>>> smaller government. >>>> >>>> If only reclaiming our country for working people was as easy as >>>> voting the incumbents out that would be GREAT but unfortunately it's >>>> not that simple. Voting the incumbents out won't result in government >>>> doing a better job for working people because the real influence is >>>> the big-corporation money that finances the election campaigns for >>>> each new crop of political nominees. The big-money lobbyists remain >>>> when each old group of politicians is voted out so the big-money >>>> corporation's power actually becomes greater and greater as time goes >>>> on. >>>> >>>> The solution that I propose is equal public financing for ALL >>>> political campaigns. Each nominee (and incumbent) would receive an >>>> equal number of taxpayer dollars to run their campaign. This will >>>> help ALL candidates remember who they are supposed to be working for >>>> (working-class taxpayers, not large corporations). >>>> >>>> As to regaining some influence for working people with regard to >>>> banks, I'd recommend that everyone put their money in a local credit >>>> union or small local community bank. My money has been kept in a >>>> local community credit union for over 20 years and I feel good about it >> being there. >>>> It's contributing to the community instead of being used in an >>>> irresponsible fashion and/or used against the best interests of the >>>> community. >>>> >>>> Best, >>>> jack >>>> >>>> >>>> Brad Belton wrote: >>>> >>>> >>>> The fundamental difference that Jack fails to recognize is if a bank >>>> (or organization other than the government) does treat you unfairly >>>> you have recourse. If your own government treats you unfairly, you >>>> have little to >>>> >>>> >>>> no >>>> >>>> >>>> recourse. >>>> >>>> >>>> >>>> Yes, we can all only hope the majority of Americans will continue to >>>> stand up and say no more to big government. A smaller less intrusive >>>> government is what America needs. In order to achieve this we have >>>> to remove the career politicians from office that have clearly lost >>>> touch with the >>>> >>>> >>>> people >>>> >>>> >>>> that elected them. >>>> >>>> >>>> >>>> Brad >>>> >>>> >>>> >>>> >>>> >>>> From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] >>>> On Behalf Of Jack Unger >>>> Sent: Thursday, February 04, 2010 3:01 PM >>>> To: WISPA General List >>>> Subject: Re: [WISPA] Common Carrier or what: The FCC's role in >>>> regulation >>>> >>>> >>>> of >>>> >>>> >>>> net-neutrality >>>> >>>> >>>> >>>> So, now that government has been drowned, the huge banks, insurance >>>> companies, telecoms can do whatever they want to you whenever they >>>> want to do it. >>>> >>>> BWaaaah, haaa, haaaa, haaa, haaaaggggh.... >>>> >>>> >>>> Frank Crawford wrote: >>>> >>>> YES >>>> >>>> Jack Unger wrote: >>>> >>>> >>>> I trust that government will be able to keep up just fine. Do you >>>> support the alternative of making government so small that you can >>>> drown it in a bathtub? >>>> >>>> Glenn Kelley wrote: >>>> >>>> >>>> >>>> Title II of the Communications Act-the section that regulates >>>> telecommunications common carriers is now being considered by the FCC >>>> to oversee broadband. FCC Commissioner Robert M. McDowell during a >>>> talk he gave to the Free State Foundation asked: (see First Do No >>>> Harm: A >>>> >>>> >>>> broadband >>>> >>>> >>>> plan for Amercia) >>>> "Exactly what kind of companies might get tangled up into this >>>> regulatory Rubik's Cube?.Any Internet company that offers a voice >> application?" . >>>> >>>> >>>> "With >>>> >>>> >>>> this newfound authority, why stop at voice apps? Isn't voice just >>>> another type of data app? As the distinction between network >>>> operators and application providers continues to blur at an >>>> eye-popping rate, how will >>>> >>>> >>>> the >>>> >>>> >>>> government be able to keep up?" >>>> >>>> >>>> Much more on the blog: www.HostMedic.com --> >>>> >>>> >>>> >>>> _____________________________________________________________________ >>>> _______ >>>> >>>> >>>> _________ >>>> Glenn Kelley | Principle | HostMedic |www.HostMedic.com >>>> Email: gl...@hostmedic.com >>>> Pplease don't print this e-mail unless you really need to. >>>> >>>> >>>> >>>> >>>> >>>> >>>> --------------------------------------------------------------------- >>>> ------- >>>> >>>> >>>> ---- >>>> WISPA Wants You! Join today! >>>> http://signup.wispa.org/ >>>> >>>> >>>> >>>> --------------------------------------------------------------------- >>>> ------- >>>> >>>> >>>> ---- >>>> >>>> WISPA Wireless List: wireless@wispa.org >>>> >>>> Subscribe/Unsubscribe: >>>> http://lists.wispa.org/mailman/listinfo/wireless >>>> >>>> Archives: http://lists.wispa.org/pipermail/wireless/ >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> --------------------------------------------------------------------- >>>> ------- >>>> >>>> >>>> ---- >>>> WISPA Wants You! Join today! >>>> http://signup.wispa.org/ >>>> >>>> >>>> >>>> --------------------------------------------------------------------- >>>> ------- >>>> >>>> >>>> ---- >>>> >>>> WISPA Wireless List: wireless@wispa.org >>>> >>>> Subscribe/Unsubscribe: >>>> http://lists.wispa.org/mailman/listinfo/wireless >>>> >>>> Archives: http://lists.wispa.org/pipermail/wireless/ >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>> >>> -- >>> Jack Unger - President, Ask-Wi.Com, Inc. >>> Network Design - Technical Training - Technical Writing Serving the >>> Broadband Wireless, Networking and Telecom Communities since >>> 1993 >>> www.ask-wi.com 818-227-4220 jun...@ask-wi.com >>> >>> >>> >>> >>> >>> >>> ---------------------------------------------------------------------- >>> ---------- >>> WISPA Wants You! Join today! >>> http://signup.wispa.org/ >>> ---------------------------------------------------------------------- >>> ---------- >>> >>> WISPA Wireless List: wireless@wispa.org >>> >>> Subscribe/Unsubscribe: >>> http://lists.wispa.org/mailman/listinfo/wireless >>> >>> Archives: http://lists.wispa.org/pipermail/wireless/ >> >> >> >> > ---------------------------------------------------------------------------- >> ---- >> WISPA Wants You! Join today! >> http://signup.wispa.org/ >> > ---------------------------------------------------------------------------- >> ---- >> >> WISPA Wireless List: wireless@wispa.org >> >> Subscribe/Unsubscribe: >> http://lists.wispa.org/mailman/listinfo/wireless >> >> Archives: http://lists.wispa.org/pipermail/wireless/ >> >> >> >> > ---------------------------------------------------------------------------- > ---- >> WISPA Wants You! Join today! >> http://signup.wispa.org/ >> > ---------------------------------------------------------------------------- > ---- >> >> WISPA Wireless List: wireless@wispa.org >> >> Subscribe/Unsubscribe: >> http://lists.wispa.org/mailman/listinfo/wireless >> >> Archives: http://lists.wispa.org/pipermail/wireless/ > > > > ---------------------------------------------------------------------------- > ---- > WISPA Wants You! Join today! > http://signup.wispa.org/ > ---------------------------------------------------------------------------- > ---- > > WISPA Wireless List: wireless@wispa.org > > Subscribe/Unsubscribe: > http://lists.wispa.org/mailman/listinfo/wireless > > Archives: http://lists.wispa.org/pipermail/wireless/ > > > > > -------------------------------------------------------------------------------- > WISPA Wants You! Join today! > http://signup.wispa.org/ > -------------------------------------------------------------------------------- > > WISPA Wireless List: wireless@wispa.org > > Subscribe/Unsubscribe: > http://lists.wispa.org/mailman/listinfo/wireless > > Archives: http://lists.wispa.org/pipermail/wireless/ -------------------------------------------------------------------------------- WISPA Wants You! Join today! http://signup.wispa.org/ -------------------------------------------------------------------------------- WISPA Wireless List: wireless@wispa.org Subscribe/Unsubscribe: http://lists.wispa.org/mailman/listinfo/wireless Archives: http://lists.wispa.org/pipermail/wireless/
