[SD Realtor]

I agree with your points about doing away with the two party system. The biggest problem is the lobbying industry and you pegged it. I am not sure how we can push that one out of the way.

We see the same thing through different eyes, which is that the real control lies well beyond the govt. That the people elect the govt officials who make laws that can benefit or hinder the freedoms of those same people. That at some point in time the govt lost control and (seemingly) is kind of a puppet to industry.

I find it ironic that when the so called “financial reform” went through Wall St was pretty happy. That big pharma will benefit quite well from the healthcare reform. That in the midst of what is supposed to be a “hostile to business” govt, we have witnessed what is close to one of the largest ever rallies on Wall St.

To me it just doesn’t pass the sniff test. I don’t fall into the everything is all right, the market is raging, the govt will take care of everything, and we will all live happily ever after.

I agree with you about transparency and accountability. Maybe you see it, but I do not.

[SD Realtor]

I agree with your points about doing away with the two party system. The biggest problem is the lobbying industry and you pegged it. I am not sure how we can push that one out of the way.

We see the same thing through different eyes, which is that the real control lies well beyond the govt. That the people elect the govt officials who make laws that can benefit or hinder the freedoms of those same people. That at some point in time the govt lost control and (seemingly) is kind of a puppet to industry.

I find it ironic that when the so called “financial reform” went through Wall St was pretty happy. That big pharma will benefit quite well from the healthcare reform. That in the midst of what is supposed to be a “hostile to business” govt, we have witnessed what is close to one of the largest ever rallies on Wall St.

To me it just doesn’t pass the sniff test. I don’t fall into the everything is all right, the market is raging, the govt will take care of everything, and we will all live happily ever after.

I agree with you about transparency and accountability. Maybe you see it, but I do not.

[SD Realtor]

I agree with your points about doing away with the two party system. The biggest problem is the lobbying industry and you pegged it. I am not sure how we can push that one out of the way.

We see the same thing through different eyes, which is that the real control lies well beyond the govt. That the people elect the govt officials who make laws that can benefit or hinder the freedoms of those same people. That at some point in time the govt lost control and (seemingly) is kind of a puppet to industry.

I find it ironic that when the so called “financial reform” went through Wall St was pretty happy. That big pharma will benefit quite well from the healthcare reform. That in the midst of what is supposed to be a “hostile to business” govt, we have witnessed what is close to one of the largest ever rallies on Wall St.

To me it just doesn’t pass the sniff test. I don’t fall into the everything is all right, the market is raging, the govt will take care of everything, and we will all live happily ever after.

I agree with you about transparency and accountability. Maybe you see it, but I do not.

[SD Realtor]

I agree with your points about doing away with the two party system. The biggest problem is the lobbying industry and you pegged it. I am not sure how we can push that one out of the way.

We see the same thing through different eyes, which is that the real control lies well beyond the govt. That the people elect the govt officials who make laws that can benefit or hinder the freedoms of those same people. That at some point in time the govt lost control and (seemingly) is kind of a puppet to industry.

I find it ironic that when the so called “financial reform” went through Wall St was pretty happy. That big pharma will benefit quite well from the healthcare reform. That in the midst of what is supposed to be a “hostile to business” govt, we have witnessed what is close to one of the largest ever rallies on Wall St.

To me it just doesn’t pass the sniff test. I don’t fall into the everything is all right, the market is raging, the govt will take care of everything, and we will all live happily ever after.

I agree with you about transparency and accountability. Maybe you see it, but I do not.

[SD Realtor]

CAR how the heck are we the decision makers in any of this?

Does the govt give you a say? Did you get a vote for GM? Did you even know about other countries the govt helps? Do you even have a clue what orgs the fed or treasury has helped?

Did you have a say in the vote where the GOVT decided to bailout all these rich aholes because the GOVT told us the alternative would be a catastrophic collapse?

Yes I agree with your sarcasm about how well private industry ran things. So the govt didnt have clue what was happening? Or what the outcome would be?

Please tell me how I will be a decision maker as the govt continues to provide more regulation and increases their reach.

[SD Realtor]

CAR how the heck are we the decision makers in any of this?

Does the govt give you a say? Did you get a vote for GM? Did you even know about other countries the govt helps? Do you even have a clue what orgs the fed or treasury has helped?

Did you have a say in the vote where the GOVT decided to bailout all these rich aholes because the GOVT told us the alternative would be a catastrophic collapse?

Yes I agree with your sarcasm about how well private industry ran things. So the govt didnt have clue what was happening? Or what the outcome would be?

Please tell me how I will be a decision maker as the govt continues to provide more regulation and increases their reach.

[SD Realtor]

CAR how the heck are we the decision makers in any of this?

Does the govt give you a say? Did you get a vote for GM? Did you even know about other countries the govt helps? Do you even have a clue what orgs the fed or treasury has helped?

Did you have a say in the vote where the GOVT decided to bailout all these rich aholes because the GOVT told us the alternative would be a catastrophic collapse?

Yes I agree with your sarcasm about how well private industry ran things. So the govt didnt have clue what was happening? Or what the outcome would be?

Please tell me how I will be a decision maker as the govt continues to provide more regulation and increases their reach.

[SD Realtor]

CAR how the heck are we the decision makers in any of this?

Does the govt give you a say? Did you get a vote for GM? Did you even know about other countries the govt helps? Do you even have a clue what orgs the fed or treasury has helped?

Did you have a say in the vote where the GOVT decided to bailout all these rich aholes because the GOVT told us the alternative would be a catastrophic collapse?

Yes I agree with your sarcasm about how well private industry ran things. So the govt didnt have clue what was happening? Or what the outcome would be?

Please tell me how I will be a decision maker as the govt continues to provide more regulation and increases their reach.

[SD Realtor]

CAR how the heck are we the decision makers in any of this?

Does the govt give you a say? Did you get a vote for GM? Did you even know about other countries the govt helps? Do you even have a clue what orgs the fed or treasury has helped?

Did you have a say in the vote where the GOVT decided to bailout all these rich aholes because the GOVT told us the alternative would be a catastrophic collapse?

Yes I agree with your sarcasm about how well private industry ran things. So the govt didnt have clue what was happening? Or what the outcome would be?

Please tell me how I will be a decision maker as the govt continues to provide more regulation and increases their reach.

[SD Realtor]

Funny you mention that student loan program.

I have two very good sources who are looking for college loans presently and the are actually very frustrated with that process compared to what it used to be when their older siblings obtained loans.

Are you currently looking for a student loan?

***********************************

My concern is that those who are yearning for increased govt policy with regards to private institutions are very much convinced that it will be run better, with no problems, and no corruption.

I am not.

Obama himself believes there are billions and billions in medicare waste and fraud. Yet that is a govt program correct? So the answer is to slash and burn it and replace it with another govt run health program and this program will be the largest ever.

I don’t want to bang on health care. I guess I am just kind of awed by the reach of the govt. When does it stop and where does it end?

*********************

Yes I understand banks were charging higher rates then what the govt charged the banks. That is what they do. That is what mortgage lenders do. That is what servicing orgs do. This is how they make their money. They underwrite and do the legwork for the loan as well. Should they not make any money for doing that?

Even if the example works, where do you stop it? You see what I am saying? If you want to, if you really want to, you can take it pretty damn far and eliminate alot of private enterprise. You can say well it depends on the size of the organization and such… In the end though it is somewhat arbitrary and I am not sure it was the original intent for our govt.

Especially when I am told it is all for my own good.

[SD Realtor]

Funny you mention that student loan program.

I have two very good sources who are looking for college loans presently and the are actually very frustrated with that process compared to what it used to be when their older siblings obtained loans.

Are you currently looking for a student loan?

***********************************

My concern is that those who are yearning for increased govt policy with regards to private institutions are very much convinced that it will be run better, with no problems, and no corruption.

I am not.

Obama himself believes there are billions and billions in medicare waste and fraud. Yet that is a govt program correct? So the answer is to slash and burn it and replace it with another govt run health program and this program will be the largest ever.

I don’t want to bang on health care. I guess I am just kind of awed by the reach of the govt. When does it stop and where does it end?

*********************

Yes I understand banks were charging higher rates then what the govt charged the banks. That is what they do. That is what mortgage lenders do. That is what servicing orgs do. This is how they make their money. They underwrite and do the legwork for the loan as well. Should they not make any money for doing that?

Even if the example works, where do you stop it? You see what I am saying? If you want to, if you really want to, you can take it pretty damn far and eliminate alot of private enterprise. You can say well it depends on the size of the organization and such… In the end though it is somewhat arbitrary and I am not sure it was the original intent for our govt.

Especially when I am told it is all for my own good.

[SD Realtor]

Funny you mention that student loan program.

I have two very good sources who are looking for college loans presently and the are actually very frustrated with that process compared to what it used to be when their older siblings obtained loans.

Are you currently looking for a student loan?

***********************************

My concern is that those who are yearning for increased govt policy with regards to private institutions are very much convinced that it will be run better, with no problems, and no corruption.

I am not.

Obama himself believes there are billions and billions in medicare waste and fraud. Yet that is a govt program correct? So the answer is to slash and burn it and replace it with another govt run health program and this program will be the largest ever.

I don’t want to bang on health care. I guess I am just kind of awed by the reach of the govt. When does it stop and where does it end?

*********************

Yes I understand banks were charging higher rates then what the govt charged the banks. That is what they do. That is what mortgage lenders do. That is what servicing orgs do. This is how they make their money. They underwrite and do the legwork for the loan as well. Should they not make any money for doing that?

Even if the example works, where do you stop it? You see what I am saying? If you want to, if you really want to, you can take it pretty damn far and eliminate alot of private enterprise. You can say well it depends on the size of the organization and such… In the end though it is somewhat arbitrary and I am not sure it was the original intent for our govt.

Especially when I am told it is all for my own good.

[SD Realtor]

Funny you mention that student loan program.

I have two very good sources who are looking for college loans presently and the are actually very frustrated with that process compared to what it used to be when their older siblings obtained loans.

Are you currently looking for a student loan?

***********************************

My concern is that those who are yearning for increased govt policy with regards to private institutions are very much convinced that it will be run better, with no problems, and no corruption.

I am not.

Obama himself believes there are billions and billions in medicare waste and fraud. Yet that is a govt program correct? So the answer is to slash and burn it and replace it with another govt run health program and this program will be the largest ever.

I don’t want to bang on health care. I guess I am just kind of awed by the reach of the govt. When does it stop and where does it end?

*********************

Yes I understand banks were charging higher rates then what the govt charged the banks. That is what they do. That is what mortgage lenders do. That is what servicing orgs do. This is how they make their money. They underwrite and do the legwork for the loan as well. Should they not make any money for doing that?

Even if the example works, where do you stop it? You see what I am saying? If you want to, if you really want to, you can take it pretty damn far and eliminate alot of private enterprise. You can say well it depends on the size of the organization and such… In the end though it is somewhat arbitrary and I am not sure it was the original intent for our govt.

Especially when I am told it is all for my own good.

[SD Realtor]

Funny you mention that student loan program.

I have two very good sources who are looking for college loans presently and the are actually very frustrated with that process compared to what it used to be when their older siblings obtained loans.

Are you currently looking for a student loan?

***********************************

My concern is that those who are yearning for increased govt policy with regards to private institutions are very much convinced that it will be run better, with no problems, and no corruption.

I am not.

Obama himself believes there are billions and billions in medicare waste and fraud. Yet that is a govt program correct? So the answer is to slash and burn it and replace it with another govt run health program and this program will be the largest ever.

I don’t want to bang on health care. I guess I am just kind of awed by the reach of the govt. When does it stop and where does it end?

*********************

Yes I understand banks were charging higher rates then what the govt charged the banks. That is what they do. That is what mortgage lenders do. That is what servicing orgs do. This is how they make their money. They underwrite and do the legwork for the loan as well. Should they not make any money for doing that?

Even if the example works, where do you stop it? You see what I am saying? If you want to, if you really want to, you can take it pretty damn far and eliminate alot of private enterprise. You can say well it depends on the size of the organization and such… In the end though it is somewhat arbitrary and I am not sure it was the original intent for our govt.

Especially when I am told it is all for my own good.

[SD Realtor]

Loan mods are not generally “given away” and there are underwriting guidelines that apply which include employment, income, viability of maintaining the loan, etc… I just obtained a client who owns in Oceanside and she did a loan mod last year, and is now short selling.

What your friend should do is figure out exactly what they can afford and if a loan mod cannot bring them down to affordability, they should most likely sell. In the end it is most likely a moot point because it does not sound like they will meet the criteria needed for the loan mod. (which may be in their best interest given the rate of recidivism for loan mods)

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