Well, well, well, DirecTV updated their software

Finally!

My Surround sound system is re-integrated with the DirecTV box and all the rest of my entertainment system.

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It’s nice to have only two controls to fool around with instead of 5.

The unified surround sound control is back to controlling the TV, DVD, DirecTV box, the Apple TV, Xbox, and the external HDMI switch to handle switching all the inputs.

Try explaining the use of all these controls to someone that’s not technological.

You might as well sit them in the cockpit of a 767 and say you want to fly to Fiji.

That was part of the annoyance. All the sudden my simple entertainment system wasn’t simple anymore. That’s of course the down side of technology. As a former technology guy I do my best to fold the complexities into something simple. For example, taking the time to figure out and program all the separate controls into one.

The other part of the annoyance was that I have some premium channels and favorite shows.  True Blood for example has a great soundtrack and is transmitted in surround sound.

For that matter most of the pay per view movies are HD and Dolby 5.1 

So why was I paying for HD, and Surround sound and NOT able to hear surround sound?

The third part of the annoyance was that for 4 years everything had worked perfectly and then DirecTV downloaded an update that broke the system. No notice, warning, or ability to go back to the previous version of working software.

Much like they downloaded an update sometime yesterday that fixed the problem.

I honestly don’t like the stealth downloads. I was only aware that there had been any update because the Satellite boxes were on and I remembered them being turned off. That usually only happens when the units have been updated.

I’m not complaining, at least as Winter approaches I’ll be able to watch the boob tube. That is until the satellite dish gets covered in snow.

It’s hard not to become a couch potato. I mean… 500 Channels, and NetFlix streaming, DVDs and the ability to shoot bad guys in Call of Duty.

No the TV and entertainment system is OFF during the day. I’m busy with other things and I haven’t got the time to waste.

Well except for the porn while I’m eating lunch.

A mans gotta have at least one vice!

The Hangman by Maurice Ogden

I was looking for the old quote attributed to pastor Martin Niemöller about the Nazi purges of the various groups perceived as threats to the Reich.

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First they came for the communists,
and I didn’t speak out because I wasn’t a communist.

Then they came for the socialists,
and I didn’t speak out because I wasn’t a socialist.

Then they came for the trade unionists,
and I didn’t speak out because I wasn’t a trade unionist.

Then they came for me,
and there was no one left to speak for me.

While looking for this quote, I came across a poem that speaks to the same subject.

I like both for their cautionary tones.

I’m worried that we are losing our way, in that we too easily choose a group to blame or demand compensation from.

I find myself asking more often these days, what defines a minority? Your first thought might be to say a person of color. That could be true.

But a minority is more than that. Wikipedia, provides this definition.

Which leads me to why I was looking for Niemöllers quote in the first place.

We as a country have apparently come to the conclusion that wealth is bad. We’ve arbitrarily decided that the “Wealthy” can pay more taxes.

The definition of  “Wealthy” is also variable and apparently chosen based on the needs of the state.

California has defined household incomes greater than $250,000 as wealthy and therefore subject to increased state taxation.

You realize that $250,000 could well be the income for a young Physician and his Stock broker spouse. Both of whom are trying to pay off $150,000 each in student loans.

The arbitrariness of the definition of Wealth begs the question for me.

If the State doesn’t solve it’s budget crisis… Will the politicians decide $100,000 in household income is Wealthy? Where does that line of reasoning end? $50,000?

We have politicians in Washington DC making similar statements about the “Wealthy” being able to pay a little bit more…

I’m concerned that this kind of thinking is a very slippery slope.

Don’t get me wrong… the Wealthy people that have sold our country out from under us, and off shored jobs, who’ve raped, pillaged, plundered, and employed slash and burn techniques on the American economy that MADE them wealthy.

Oh, they richly deserve punishment!

BUT Their punishment shouldn’t come at the sacrifice equal taxation and representation. Let the wealthy peoples tax breaks expire but levying higher taxes on a minority group is certainly as unfair as the tax breaks this group enjoyed.

Presented for your consideration by a centrist Republican who is interested in equality and even social justice.

So long as those things happen… Justly.

The Hangman by Maurice Ogden

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Into our town the hangman came, smelling of gold and blood and flame. He paced our bricks with a different air, and built his frame on the courthouse square. The scaffold stood by the courthouse side, only as wide as the door was wide with a frame as tall, or a little more, than the capping sill of the courthouse door.

And we wondered whenever we had the time, Who the criminal? What the crime? The hangman judged with the yellow twist of knotted hemp in his busy fist.

And innocent though we were with dread, we passed those eyes of buckshot lead. Till one cried, “Hangman, who is he, for whom you raised the gallows-tree?”

Then a twinkle grew in his buckshot eye and he gave a riddle instead of reply. “He who serves me best,” said he “Shall earn the rope on the gallows-tree.”

And he stepped down and laid his hand on a man who came from another land. And we breathed again, for anothers grief at the hangmans hand, was our relief.

And the gallows frame on the courthouse lawn by tomorrow’s sun would be struck and gone. So we gave him way and no one spoke out of respect for his hangmans cloak.

The next day’s sun looked mildly down on roof and street in our quiet town; and stark and black in the morning air the gallows-tree on the courthouse square.

And the hangman stood at his usual stand with the yellow hemp in his busy hand. With his buckshot eye and his jaw like a pike, and his air so knowing and business-like.

And we cried, “Hangman, have you not done, yesterday with the alien one?” Then we fell silent and stood amazed. “Oh, not for him was the gallows raised.”

He laughed a laugh as he looked at us, “Do you think I’ve gone to all this fuss, To hang one man? That’s the thing I do. To stretch the rope when the rope is new.”

Above our silence a voice cried “Shame!” and into our midst the hangman came; to that mans place, “Do you hold,” said he, “With him that was meat for the gallows-tree?”

He laid his hand on that one’s arm and we shrank back in quick alarm. We gave him way, and no one spoke, out of fear of the hangmans cloak.

That night we saw with dread surprise the hangmans scaffold had grown in size. Fed by the blood beneath the chute, the gallows-tree had taken root.

Now as wide, or a little more than the steps that led to the courthouse door. As tall as the writing, or nearly as tall, half way up on the courthouse wall.

The third he took, we had all heard tell, was a usurer…, an infidel. And “What” said the hangman, “Have you to do with the gallows-bound…, and he a Jew?”

And we cried out, “Is this one he who has served you well and faithfully?” The hangman smiled, “It’s a clever scheme to try the strength of the gallows beam.”

The fourth man’s dark accusing song had scratched our comfort hard and long. “And what concern,” he gave us back, “Have you … for the doomed and black?”

The fifth, the sixth, and we cried again, “Hangman, hangman, is this the man?” “It’s a trick”, said he, “that we hangman know for easing the trap when the trap springs slow.”

And so we ceased and asked no more as the hangman tallied his bloody score. And sun by sun, and night by night the gallows grew to monstrous height.

The wings of the scaffold opened wide until they covered the square from side to side. And the monster cross beam looking down, cast its shadow across the town.

Then through the town the hangman came and called through the empy streets…my name. I looked at the gallows soaring tall and thought … there’s no one left at all

for hanging … and so he called to me to help take down the gallows-tree. And I went out with right good hope to the hangmans tree and the hangmans rope.

He smiled at me as I came down to the courthouse square…through the silent town. Supple and stretched in his busy hand, was the yellow twist of hempen strand.

He whistled his tune as he tried the trap and it sprang down with a ready snap. Then with a smile of awful command, He laid his hand upon my hand.

“You tricked me Hangman.” I shouted then, “That your scaffold was built for other men, and I’m no henchman of yours.” I cried. “You lied to me Hangman, foully lied.”

Then a twinkle grew in his buckshot eye, “Lied to you…tricked you?” He said “Not I… for I answered straight and told you true. The scaffold was raised for none but you.”

“For who has served more faithfully? With your coward’s hope.” said He, “And where are the others that might have stood side by your side, in the common good?”

“Dead!” I answered, and amiably “Murdered,” the Hangman corrected me. “First the alien … then the Jew. I did no more than you let me do.”

Beneath the beam that blocked the sky none before stood so alone as I. The Hangman then strapped me…with no voice there to cry “Stay!” … for me in the empty square.

Here’s an exercise in spin for you… Be warned your head may hurt.

Before my Liberal friends form a lynch mob… I’m playing here… It’s a Joke… Well a half joke… 

In truth, I wrote this just to stir the pot. I think that anyone with little effort can spin anything any way they want.  This is my attempt at proving that “Facts” are just a matter of spin. I hope you enjoy it.

The banking collapse was in fact caused by Liberal Democrats, not Conservative Republicans.

Lets look at the facts.

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Many liberals believe that it’s wrong to deport illegal workers (This is a term that I use to mean inclusively any person who has entered this country illegally. )

That the term illegal workers has come to be synonymous with Illegal hispanic workers is a discussion for another time. I will say this… if a term has come to be redefined as descriptive of a situation, well perhaps you need to ask how that came to be…

Many liberals believe that housing must  be equal opportunity no matter what. (I also believe that housing should be equal opportunity, meaning that if you can afford a home or apartment you shouldn’t be denied access to that home or apartment based on race, color, creed, sexuality, or religion.)

Many liberals believe that  higher education is a right, not a privilege and as a result have enacted a multitude of affirmative action policies nationwide.

Many of those affirmative action laws, regulations, and policies have been expanded to apply to more than education and now apply in a variety of other aspects of our society including banking.

Having worked in the mortgage banking industry approximately 4 years before the collapse (I got out because I saw it coming) I got to see some things from the inside.

Remember No document loans?

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How about reverse amortization loans?

These “products”  were a direct result of mortgage lenders complying with affirmative action regulations. 

The mortgage bankers I worked for felt that they couldn’t deny a loan application because affirmative action regulations demanded a certain percentage of what was called “B & C” paper be accepted by a bank. Think of it like “Assigned risk in insurance.”

Essentially, these “B & C” designations were loans to people who were far more likely to default than the so called “A” paper loans.

Sadly the “A, B, & C” paper loans shook out along largely racial lines due to underlying aspects of our society. 

This meant that someone like myself (A paper) who was employed, had a mortgage, had never been late on a payment, was making more money than I ever had in my life, and who wanted to refinance my house at a lower percentage rate without taking any money out of it, and who provided documentation to all of the above…

Would be scrutinized to a maddening degree and even had to answer questions like “Why has your income increased?

No Shit! The fact that I was making more money was actually a bone of contention between me and the underwriter. It pissed me off to the point that I told her I’d quit my job if that would make it easier on her then we could average my income over the past decade.

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The mortgage lender I was working for at the time did not hold my mortgage… but over lunch one day I asked WTF? of an underwriter I knew well.

His answer was that since I had a history and had provided all kinds of documentation, the underwriters had to do a full process where they, by banking regulations checked everything about the loan they were going to fund.

He went on to say that if I’d gone for a new house instead of a refi, and the loan had been a “Jumbo Loan” I could have gone with a no document loan and been approved within a week.

I still didn’t get it. 

My underwriter friend explained,  because of equal opportunity lending regulations and HUD rules, and half a dozen other regulations designed to prevent discrimination,  the no doc loans had become known as the Housekeeper loans and I’d have qualified easily for one of those.

He’d seen 800,000 loans approved for gardeners in Orange County. After the loan was approved, typically within 120 days the first payment was late.

Then another department in the company we worked for would start calling and asking for payments to be made including late fees.

The late fees were always paid first and the remainder of whatever payment we got was sent to the mortgage holder. This was called “servicing” a loan. It was / is a very profitable enterprise. This is especially true when only a partial payment gets sent to the mortgage holder because the cycle can repeat several times a month on the entire amount that is in arrears. The late fees keep stacking up and the profit for the loan servicer keeps increasing.

It was the interaction of protections for the poor, affirmative action,  the lack of proper identification requirements, the right to privacy about where you obtained your income, and other liberal progressive factors that created the no document loan in the first place.

The banking industry simply made all of these regulations profitable!

These loans were given  to people who sometimes didn’t understand what they were signing and at other times actually couldn’t write their own names.

Then the loan was packaged up as an investment portfolio that was mandated by law to have a specific % of A, B, & C paper loans. The completed portfolio was sold to a wall street firm.

Back to my original statement…

It was the liberal demands for equality in lending, and housing, their insistence on not deporting illegal workers, the bleeding heart progressive agenda, and complete lack of concern or perhaps the liberal demonization of profit and business, that is in fact responsible for the banking collapse.

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By forcing the banking industry to approve a percentage of questionable loans that the banking industry normally wouldn’t have approved, the liberals created the housing bubble. Simultaneously making it far more difficult for honest citizens to carry on with their lives and pursuit of the American Dream.

The evil banking industry was just following orders.