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Old 09-24-2008, 05:55 AM   #211
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Forgive me if this picture of Sarah Palin has already been posted...

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Old 09-24-2008, 06:20 AM   #212
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Originally Posted by deep View Post
A shame that kids don't even have the right to free speech any more. (one way to look at this)


But the truth?

this kid is being brought up in a very unhealthy environment.

I hope he makes it to adulthood and gains the ability to think for himself.
School systems have the right to ask students to change clothing that may impead the main function of the school which is to educate. The fact is, we have no idea what the population of the school body is, and who may or may not be in the classroom with the student that may have found it offensive. The court system supports this position. The burden is on the school to demonstrate why the shirt was causing a disruption to the educational process.

In three years, I have had one girl cover the saying on a shirt. I cannot remember what it was on the shirt other than it was pretty sexual in nature for an elementary school student to be wearing, and I had complaints from multiple sources in the school.
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Old 09-24-2008, 07:17 AM   #213
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oooh let the goutrage continue :

The Associated Press: Freddie Mac paid 15K a month to McCain aide's firm

Quote:
WASHINGTON (AP) — The lobbying firm of John McCain's campaign manager was paid $15,000 a month for several years until last month by one of two housing companies taken over by the federal government, a person familiar with the financial arrangement said Tuesday night.

That money from Freddie Mac to the firm of Rick Davis was on top of more than $30,000 a month that went directly to Davis for five years starting in 2000.

The $30,000 a month came from both Freddie Mac and Fannie Mae, the other housing entity now under government control because of the crisis in the financial markets...
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Old 09-24-2008, 07:21 AM   #214
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That's a really interesting situation. My initial reaction to Deep's posting was that the boy was dressing according to his (or more likely his family's) definition of 'patriotic,' and should be left alone, no matter how inaccurate I feel the statement is. But then Dread brought up a very good point. It's a tough call, and i guess it's ultimately up to schools to determine if there's a line being crossed.

I wonder what the political leanings of that particular school district are, and if that had any impact on the decision.
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Old 09-24-2008, 07:43 AM   #215
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Quote:
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Forgive me if this picture of Sarah Palin has already been posted...
Sorry to burst your bubble:

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Old 09-24-2008, 07:46 AM   #216
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I don't know why people assume that students in a school have the same rights of expression or privacy that they would in their own homes. They do not and never have.
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Old 09-24-2008, 07:51 AM   #217
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I don't know why people assume that students in a school have the same rights of expression or privacy that they would in their own homes. They do not and never have.
Oh, I totally get that, but in the case of political statements, where is the line drawn? I'm sure a pro-Obama shirt would have been fine. Or a pro-McCain. Would a shirt dissing McCain have had the same reaction? Was it because of the connection with terrorism? Or was it because it was an ugly-ass homemade shirt?
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Old 09-24-2008, 08:00 AM   #218
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The whole "Bush Doctrine" and "Bridge to Nowhere" nonsense are distractions. I'm betting not a heck of alot of average undecideds give two shits about either of these "issues" so I wish the media would just shut the hell up and explore other issues.
I think at this point the "undecideds" fit somewhere in two categories those that don't care, which you are probably right these issues will not help them make up their minds, or those that truly don't have party leanings and vote purely on issues, and those voters want to know what kind of background this newcomer has.

I think the "_____ to nowhere" is only an issue because she keeps using it as a slogan to make her seem strong and maverick, which really isn't the case when you flipped on the issue at first. Find another slogan Sarah and the bridge will become a non-issue.

And the "Bush Doctrine" issue isn't so much that she didn't know what was meant by the "Bush Doctrine", although in the current political context it's pretty easy to figure out, it was how she went about responding... She came off like the girl who announces very loudly to the room "I don't get it" right after the whole room bursted out with laughter after a joke was told.
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Old 09-24-2008, 10:09 AM   #219
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Quote:
Originally Posted by deep View Post


But the truth?

this kid is being brought up in a very unhealthy environment.

I hope he makes it to adulthood and gains the ability to think for himself.
I have to agree. The dad and the son were on Hannity and Colmes last night, and they did seem a tad bit
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Old 09-24-2008, 10:41 AM   #220
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I have to agree. The dad and the son were on Hannity and Colmes last night, and they did seem a tad bit

They had this tool on their show last night? Wow, I used to think Hannity was a little brighter than the others just uninformed, but the more I find out the more I realize he's not...
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Old 09-24-2008, 11:34 AM   #221
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Turmoil in the financial industry and growing pessimism about the economy have altered the shape of the presidential race, giving Democratic nominee Barack Obama the first clear lead of the general-election campaign over Republican John McCain, according to the latest Washington Post-ABC News national poll.

Just 9 percent of those surveyed rated the economy as good or excellent, the first time that number has been in single digits since the days just before the 1992 election. Just 14 percent said the country is heading in the right direction, equaling the record low on that question in polls dating back to 1973.

More voters trust Obama to deal with the economy, and he currently has a big edge as the candidate who is more in tune with the economic problems Americans now face. He also has a double-digit advantage on handling the current problems on Wall Street, and as a result, there has been a rise in his overall support. The poll found that, among likely voters, Obama now leads McCain by 52 percent to 43 percent. Two weeks ago, in the days immediately following the Republican National Convention, the race was essentially even, with McCain at 49 percent and Obama at 47 percent.

The poll also dampens concerns that Obama can't win over white women:

Two weeks ago, McCain held a substantial advantage among white voters, including newfound strength with white women. In the face of bad economic news, the two candidates now run about evenly among white women, and Obama has narrowed the overall gap among white voters to five percentage points.
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Old 09-24-2008, 11:45 AM   #222
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Speaking of the economy.... I saw a report similar to this on the news the other day (can't remember where). Found this article.


Quote:
Millions spend half of income on housingBy ADRIAN SAINZ and ALAN ZIBEL
AP Business Writers

Siobhan Dooley
Al Ray is so strapped for cash, the only time he eats out is on Wednesday or Sunday, when the local McDonald's sells hamburgers for 49 cents.

Ray lost his engineering job last November, and has been working as high school tutor, scratching out about $1,000 a month - if he's lucky. He struggled to make his $1,400 monthly mortgage payment and $330 monthly homeowners' association fee until May, when he stopped paying.

Ray, 44, is looking for work and renting out a room in his two-bedroom condo in Davie, Fla., for $500, but his monthly income doesn't match his expenses and he's facing foreclosure.

"I barely have money to survive," he said.

Ray is one of more than 7.5 million people - almost 15 percent of American homeowners with a mortgage - who are spending half of their income or more on housing costs, according to 2007 data released Tuesday by the U.S. Census Bureau. That is up from nearly 7.1 million the year before.

Traditionally, the government and most lenders consider a homeowner spending 30 percent or more of their income on housing costs to be financially burdened. But that definition now covers almost 38 percent of American homeowners with a mortgage - 19 million of them.

Though home prices have fallen this year, in the most expensive markets where home prices tripled during the boom, many working families still cannot afford to buy a home.

"We had a bubble," said Dean Baker, co-director of the Center for Economic and Policy Research in Washington, D.C. "This is a case where we absolutely want the market to adjust."

The data underscore the serious affordability problems in this country and highlight how the slightest financial problem - from a lost job to higher gas prices or insurance premiums - can put a family behind on their mortgages and into the realm of foreclosure.

When home prices fell in the early 1990s, borrowers had more equity in their homes, and were able to escape foreclosure. But now, an estimated 10 million homeowners owe more on their mortgages than their homes are worth, according to Moody's economy.com.

More than 4 million homeowners were at least one month behind on their loans at the end of June, and almost 500,000 had started the foreclosure process, according to the Mortgage Bankers Association.

Cascading foreclosures over the past two years created a domino effect in the lending industry, undermining investor confidence and forcing the Bush administration last weekend to announce the greatest rescue package and market intervention since the Great Depression.

And yet, the deal will not help Dolly Hanna, 51, and her husband, who bought five homes in the San Francisco area over the past 20 years, and were enjoying life during the housing boom by renting them out.

But her husband's overtime at his mechanic's job was cut, and the Hannas now find themselves overextended at a loss of $15,000 per month and trying two sell two of the homes.

With four children, Hanna had been a stay-at-home mom, but Monday she started a job in real estate. They are seeking a renter for two upstairs bedrooms in their primary residence for $1,200.

Getting a loan during the boom was easy, Hanna knows. Too easy.

"All you had to was massage the information enough to fit it into their round hole, and they gave us a mortgage," Hanna said.

In San Francisco, more than one out of five homeowners with a mortgage spends half or more of their income on housing.

That's also true in 13 more of the largest 100 metro areas analyzed by the Associated Press. Other places include California metro areas of Stockton, Los Angeles, Riverside, Oxnard-Thousand Oaks, San Francisco, and San Diego. Also in the top 10 are the Fort Myers, Sarasota and Orlando metro areas in Florida, and New York-Northern New Jersey-Long Island.
full article here: www.kansascity.com | 09/23/2008 | Millions spend half of income on housing

And yes, my family is one of the struggling ones and in one of the areas mentioned in the article. The economy has taken a toll on our business and we really don't know what the future holds for us.

Glad to see gas prices down for now. How ironic is it that we're happy when gas is at only $3.61 a gallon?
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Old 09-24-2008, 12:29 PM   #223
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Used to be that the max housing debt lenders would give borrowers was 26-29% based on gross income. Maybe you could go a little higher with excellent compensating factors but not a whole lot higher. Then a little more than 10 years ago, (I don't remember the exact year. Time flew by)lenders grew dependent on automated underwriting systems that were driven by credit scores (a relatively new development and sometimes unreliable if you look at the borrower's whole credit history) that would allow housing debt at 50% and total debt income up to 65%. This is gross income, pretax income, not the actual income you have to work with. (We are talking Fannie Mae here, prime secondary market) In addition, if you received nontaxable income (social security, child support), you could gross it up another 25% for qualifying even though that extra 25% wasn't actually available to you. Lenders loosened their qualifications accordingly, private mortgage companies did. The automated underwriting system gave its OK and you were good to go. (This isn't even taking into account fraud. This is assuming the lender properly documented all the information fed into the uw system. Fraud's a whole other issue). We were watching all this transpire with bewilderment. Who could afford that kind of debt? But it allowed lenders to do prime loans they never could do before.
Awfully late, but credit has tightened, standards have tightened (not back to the old standards) and the lenders can't do loans they could do easily six months ago. The private mortgage companies have been taking a bath.
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Old 09-24-2008, 12:41 PM   #224
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My issue is that our income has declined, and our expenses have gone up, especially medical expenses. Pretty soon, the health insurance for myself, husband, and teenage daughter will be more than my mortgage. And with a $2500 deductible to boot, which looks like I might meet annually due to an illness, and a $500 pharmaceutical deductible which, due to my medications, I meet in 2 months worth of medicine (2 prescriptions). Then it's $30/10 for the rest of the year (name/generic). I just got a new pill that is supposed one pill a month for about $44. Don't know why it's not the same as the above two, but on the print-out my savings said $113. So no matter who is elected, I don't know if anything will change or improve on this issue. However, with hubby taking on a new part-time job, secondary health insurance may kick in and pick up some of the expenses that are supposed to be our out of pocket.

\rambling
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Old 09-24-2008, 12:58 PM   #225
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I'm sorry. It is getting impossibly rough out there.
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