Agreed. Who gives a crap if your house lost $30k in value? Pay your damn bills.
Unemployment is what it is because people are too lazy or too proud of themselves to get a lesser job (or two). ----- Mike Hammett Intelligent Computing Solutions http://www.ics-il.com -------------------------------------------------- From: "Scottie Arnett" <sarn...@info-ed.com> Sent: Friday, February 05, 2010 9:17 AM To: "WISPA General List" <wireless@wispa.org> Subject: Re: [WISPA] Common Carrier or what: The FCC'srolein regulationofnet-neutrality> When I look at these things I think about they way my grandparents did things. That was when there was still some moral and ethical standards in place. > > The people losing their homes put themselves in that position. So what if > they home is devalued %50 now. You signed and made the deal, live with it. > That is what our grandparents did. It's no different than gambling. Don't > pay your gambling debts and see what happens when you get it beat out of > you by Bruno. Do not go around asking handouts from me and the taxes I pay > in. > > You say you lost your job? Find another one. Then you say, but it doesn't > pay half of what my former job did. Then get two! Our grandparents worked > 16 or more hours a day if that is what it took to pay the bills. Many > people will not LOWER their job standards and standards of living when > they can find an easy way out. They are many jobs out there being done by > illegal immigrants that are low paying for the simple reason that many > Americans will not do them because of the pay. If that is what it takes to > pay the bills, they should be doing them. > > Our grandparents would help out people in their community that were losing > a home if a family had an unfortunate accident that prevented one or the > other from working, or took the life of one of the providers. If you told > them you were losing your home because you lost your job and will not take > one paying a $1(a lot back then) less, then they would laugh at you. My > dad quit school to help in the saw mill in 8th grade after my grandfather > cut some fingers off. It was what had to be done to keep paying the bills. > He has done well for himself without the high school education. > > I am not going to go into the political side, but what this country needs > more than anything IMHO is the moral and ethical standards that were in > this country 50 to 60 years ago. > > Scottie > > > ---------- Original Message ---------------------------------- > From: "Brad Belton" <b...@belwave.com> > Reply-To: WISPA General List <wireless@wispa.org> > Date: Fri, 5 Feb 2010 08:10:05 -0600 > >>Thank you Jeff. You beat me to it! >> >>Best, >> >> >>Brad >> >>-----Original Message----- >>From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On >>Behalf Of Jeff Broadwick >>Sent: Friday, February 05, 2010 8:05 AM >>To: 'WISPA General List' >>Subject: Re: [WISPA] Common Carrier or what: The FCC's role in >>regulationof >>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/ >>--- >>[This E-mail scanned for viruses by Declude Virus] >> >> > > Wireless High Speed Broadband service from Info-Ed, Inc. as low as > $30.00/mth. > Check out www.info-ed.com/wireless.html for information. > > > -------------------------------------------------------------------------------- > 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/
