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Radical Religions

The Dove World Outreach Center in Gainesville, FL at the urging of it’s pastor Terry Jones plans to burn copies of the Quran today to mark the anniversary of the radical terrorists who hijacked airplanes and used them as weapons nearly a decade ago.

Terry Jones wrote a book entitled Islam is of the Devil.

On The Dove World Outreach Center’s web site is a statement that said it plans to burn Qurans “to warn about the teaching and ideology of Islam, which we do hate as it is hateful.”

What makes this entire episode totally ridiculous is that Terry Jones boasts that he has never read the Quran — so he has no idea what is in the book he intends to burn, and it’s likely he has absolutely no understanding of Islam.

Most of the world understands that radicals don’t represent the views of the main stream of any culture — and certainly we don’t hold all Christians accountable to the acts of the radicals who murder people or bomb buildings to save unborn fetuses… but somehow a back-woods, narrow-minded, ignorant, bigoted preacher in the deep South seems to think that he needs to publicly burn books held holy by another faith to make himself feel more secure in his ridiculous beliefs.

And we should set the records straight — more people have been killed by Christians than any other religion in the name of their god… so if we’re keeping tally for “radical” acts of hate, all Christian please move to the front of the line.

The Nightmare Continues…

With the bailout of Fannie Mae and Freddie Mac continuing to drain tax coffers, the first quarter 2010 reported a substantial increase in home owners who missed at least one mortgage payment.

Below are three articles by The Associated Press (with complete links to NPR).


Mortgage Delinquencies, Foreclosures Break Records
by The Associated Press

The number of homeowners who missed at least one mortgage payment surged to a record in the first quarter of the year, a sign that the foreclosure crisis is far from over.

More than 10 percent of homeowners had missed at least one mortgage payment in the January-March period, the Mortgage Bankers Association said Wednesday. That number was up from 9.5 percent in the fourth quarter of last year and 9.1 percent a year earlier.

Those figures are adjusted for seasonal factors. For example, heating bills and holiday expenses tend to push up mortgage delinquencies near the end of the year. Many of those borrowers become current on their loans again by spring.

Without adjusting for seasonal factors, the delinquency numbers dropped, as they normally do from the winter to spring.

More than 4.6 percent of homeowners were in foreclosure, also a record. But that number, which is not adjusted for seasonal factors, was up only slightly from the end of last year.

Stocks slid Wednesday as investors remain concerned with the European debt crisis. The rising number of mortgages also drew some attention. The Dow Jones industrial average fell more than 160 points in early trading.

Jay Brinkmann, the trade group’s chief economist, said the foreclosure crisis appears to have stabilized. Seasonal adjustments may be exaggerating the change from the previous quarter, he added.

“I don’t see signs now that it’s getting worse, but it’s going to take a while,” he said. “A bad situation that’s not getting worse is still bad.”

The number of American homeowners who have missed at least three months of payments or are in foreclosure has surged to around 4.3 million, Brinkmann estimated.

The Obama administration’s $75 billion foreclosure prevention program has barely dented the problem. More than 299,000 homeowners had received permanent loan modifications as of last month. That’s about 25 percent of the 1.2 million who started the program since its March 2009 launch.

About 277,000 homeowners, or 23 percent of those enrolled, have dropped out during a trial phase that lasts at least three months.

Economic woes, such as unemployment or reduced income, are the main catalysts for foreclosures this year. Initially, lax lending standards were the culprit. But homeowners with good credit who took out conventional, fixed-rate loans are now the fastest growing group of foreclosures.

Those borrowers made up nearly 37 percent of new foreclosures in the first quarter of the year, up from 29 percent a year earlier.

The risky subprime adjustable-rate loans that kicked off the foreclosure crisis are making up a smaller share of new foreclosures. They made up 14 percent of new foreclosures in the January-March period, down from 27 percent a year earlier.


Fannie Mae Seeks $8.4B From U.S. After $13B Loss
by The Associated Press

Fannie Mae has again asked taxpayers for more money after reporting a first-quarter loss of more than $13 billion.

The mortgage finance company, which was rescued by the government in September 2008, said it needs an additional $8.4 billion from the government to help cover mounting losses.

Fannie Mae says it lost $13.1 billion, or $2.29 per share, in the January-March period. That takes into account $1.5 billion in dividends paid to the Treasury Department. It compares with a loss of $23.2 billion, or $4.09 a share, in the year-ago period.

The rescue of Fannie Mae and sister company Freddie Mac is turning out to be one of the most expensive aftereffects of the financial meltdown. The new request for aid will bring Fannie Mae’s total to $83.6 billion. The total bill for the duo will now be nearly $145 billion.

Late last year, the Obama administration pledged to cover unlimited losses through 2012 for Freddie and Fannie, lifting an earlier cap of $400 billion.

Fannie and Freddie play a vital role in the mortgage market by purchasing mortgages from lenders and selling them to investors. Together the pair own or guarantee almost 31 million home loans worth about $5.5 trillion. That’s about half of all mortgages.

The two companies, however, loosened their lending standards for borrowers during the real estate boom and are reeling from the consequences.

With the housing market still on shaky ground, Obama administration officials say it is still too early to draft any proposals to reform the two companies or the broader housing finance system.

But Republicans argue the sweeping financial overhaul currently before Congress is incomplete without a plan for Fannie and Freddie. They propose transforming Fannie and Freddie into private companies with no government subsidies, or shutting them down completely.

The legislation “touches nearly every corner of the economy,” Alabama Sen. Richard Shelby said in the GOP weekly radio and Internet address over the weekend. “But these major contributors to the crisis are left unscathed,” he added, singling out Fannie Mae and Freddie Mac.


Freddie Mac Seeks $10.6B In Aid After 1Q Loss
by The Associated Press

Freddie Mac is asking for $10.6 billion in additional federal aid after posting a big loss in the first three months of the year. It’s another sign that the taxpayer bill for stabilizing the housing market will keep mounting.

The McLean, Va.-based mortgage finance company has been effectively owned by the government after nearly collapsing in September 2008. The new request will bring the total tab for rescuing Freddie Mac to $61.3 billion.

Freddie Mac said Wednesday it lost $8 billion, or $2.45 a share, in the January-March period. That takes into account $1.3 billion in dividends paid to the Treasury Department. It compares with a loss of $10.4 billion, or $3.18 a share, in the first quarter last year.

The company, however, cautioned that new accounting standards make it difficult to compare the most recent quarter with the year-ago period. In the first quarter of this year, Freddie Mac was forced to bring $1.5 trillion in assets and liabilities onto its balance sheet, causing the company’s net worth to plunge by $11.7 billion.

Nevertheless, the company’s CEO Charles Haldeman said, “We are seeing some signs of stabilization in the housing market, including house prices and sales in some key geographic areas.”

He cautioned, though, that the housing market “remains fragile with historically high delinquency and foreclosure levels, and high unemployment among the key risks.”

Created by Congress, Freddie Mac and sibling company Fannie Mae buy mortgages from lenders and package them into bonds that are resold to global investors. As the housing bubble burst, they were unable to raise enough money to stay afloat, and the government effectively nationalized them.

Freddie’s new request will bring the total taxpayer tab for both companies to about $126 billion.

With the housing market still on shaky ground, Obama administration officials argue that it is still too early to draft any proposals to reform the two companies or the broader housing finance system.

But Republicans argue that the sweeping financial overhaul currently before Congress is incomplete without a plan for Fannie and Freddie. Senate Republicans propose transforming Fannie and Freddie into private companies with no government subsidies, or to shut them down completely.


The deficit was $1.2 – $1.3 trillion when Obama took the reigns; some projections put it to be as high as $10 trillion in 2020… and while I’m not a fan of Obama, much of that was set in motion before he tripped over his own feet.

Voter ID Requirements

Since roughly 1750 the phrase “taxation without representation” has been used in the country as a rallying phrase for action.

In the Revolutionary War, it reflected on the British Crown taxing citizens in the colonies without providing them any voice in Parliament.

In Washington DC it became the motto of citizens pointing out that they had no representation in the House of Representatives of the Senate (and was a slogan used on Washington DC license plates — you may recall President Bill Clinton having those put on the White House limosines, and President George W Bush having them removed).

Now my questions is… if the states who have implements “tough” new voter identification requirements (even though voter fraud has never been shown to be a substantial issue) disenfranchise American citizens from their Constitutional right to vote; should they be required to pay taxes?

People who choose not to vote are one thing; but people who are denied their right to vote is entirely another…

I fear another messy election is going to be on us in 2012, much as it was in 2000 — perhaps it’s time for the United States to use international observers to insure that elections are conducted in a way that insures they comply with not only the letter of the law, but the intent of the law.

JustHost.com POP / IMAP / SMTP Settings

POP:
host: mail.<yourdomain>
host: <yourhost>.justhost.com
port: 110
port: 995, SSL

IMAP:
host: mail.<yourdomain>
host:<yourhost> .justhost.com
port: 143
port: 993, SSL

SMTP:
host: mail.<yourdomain> (requires authentication)
host: <yourhost>.justhost.com
port: 25
port: 2626
port: 465, SSL

WEB MAIL:
url: https://<yourdomain>:2096
url: https://<yourhost>.justhost.com:2096


NOTES:

  • SSL: you will need to accept the self signed certificate; some mail readers do not allow you to retain self signed certificates, so you will need to do that each and every time a connection (or initial connection) is made.
  • SMTP: requires authentication; also you ISP may block port 25 (which is why port 2626 is also supported).
  • <yourhost> would be something like cl111 so for example cl111.justhost.com
  • <yourdomain> would be something like mydomain.com so for example mail.mydomain.com

To My Wife – With A Copy Of My Poems

To My Wife – With A Copy Of My Poems
by Oscar Wilde

I can write no stately proem
As a prelude to my lay;
From a poet to a poem
I would dare to say.

For if of these fallen petals
One to you seem fair,
Love will waft it till it settles
On your hair.

And when wind and winter harden
All the loveless land,
It will whisper of the garden,
You will understand.

7-Zip

I’ve written about 7-Zip before; but since we’re on the verge of a significant improvement I felt it was time to highlight it again.

7-Zip is a file archiver written by Igor Pavlov.  Originally only available for Windows, but now available for most every operating system.

7-Zip was one of the first archiving tools to include LZMA (Lempel-Ziv-Markov chain algorithm); and consistently demonstrated much higher compression ratios at much higher compression rates than any other compression scheme.

The next release of 7-Zip (9.10) will include LZMA2.

The source code for the LZMA SDK has been put into the public domain, and is freely available for use in other products.  The SDK includes the main line C++ course, ANSI-C compatible LZMA and XV source code; C#  LZMA compression and decompression source code; Java LZMA compression and decompression source code; as well as other source code.

You can read all the features of LZMA as well as download the Windows version of 7-Zip and locate links for pZip for *nix operating systems.  You can also do a search for tvx or vx for *nix based systems as well.

This is the only archive utility you need; it would have been nice had Microsoft chosen to base the folder compression in Windows 7 on the LZMA SDK, or at least made it easy to replace the compression module; but 7-Zip installs a Windows shell extension so you have a separate (though confusing for some) menu item for compression and decompression.

http://www.7-zip.org/

The Gift of Giving

Every year I go through the same thing… I try to select a handful of charities to give something to… and every year I want to know how much of what I give will benefit those I want to help, and how much will be absorbed by the organization that manages the donation.

Remember, there’s been plenty of large philanthropic organizations that end up only getting about 10% of what’s donated to those they “help” and paid their executives huge salaries. [Greed — you’ll find it everywhere]  
This year I stumbled on the American Institute of Philanthropy (see the link below), and they’ve done a lot of the work for you — and even made a simple ratings page if you don’t want to invest lots of time into looking over the details.

For those of you who can afford to give a little back, I encourage you to make your gifts count.

     http://www.charitywatch.org/azlist.html

Winter Solstice 2018

December 21 2018 22:22 GMT