Mortgage Free Quotes

Pain will never leave us. Instead of putting energy into destroying pain, we need to put energy into creating pleasure.

Instead of digging for gold, sell shovels. Instead of taking a class, offer a class. Instead of borrowing money, lend it. Instead of taking a job, hire for jobs. Instead of taking a mortgage, hold a mortgage. Break free from consumption, switch sides, and reorient to the world as producer.

Stop being chained down by bad credit I have the key to set you free...

You can imagine how distraught I feel when I hear about the glorified heroism-free “middle class values,” which, thanks to globalization and the Internet, have spread to any place easily reached by British Air, enshrining the usual opiates of the deified classes: “hard work” for a bank or a tobacco company, diligent newspaper reading, obedience to most, but not all, traffic laws, captivity in some corporate structure, dependence on the opinion of a boss (with one’s job records filed in the personnel department), good legal compliance, reliance on stock market investments, tropical vacations, and a suburban life (under some mortgage) with a nice-looking dog and Saturday night wine tasting.

Anxiety suits the status quo very well. Anxious people make good consumers and good workers. Governments and big business, therefore, love terrorism – they adore it, it’s good for business. Anxiety will drive us back into our comfort blankets of credit-card shopping and bad food, so the system deliberately produces anxiety while simultaneously promising to take it away.

Behaving as if you are better than others shows a lack of regard for other people.

One of my foundation’s main initiatives is to build smart homes for severely wounded veterans. We provide these houses and the land they’re built on at no cost to the vets, completely mortgage free.

Why? So you can still qualify for assistance? Your family is gaming the system?" "No." Diana had always hated when people said this about her family. The bosses who made her dad list a payroll company as his employer, they gamed the system. The assholes who convinced her parents to take out both a second mortgage and a HELOC in 2006 gamed the system. The employers who would never give Edith enough hours for benefits gamed the system. But ask a lot of people, and they'd tell you it's people like her grandma who game the system. They'd tell you that an old woman who's worked hard every day of her life and still struggles to get by is a malignant vacuum for their personal tax dollars, and a blight on their lives as free Americans. "We're just trying to live.

The credit crunch was based on a climate (the post-Cold War victory party of free-market capitalism), a problem (the sub-prime mortgages), a mistake (the mathematical models of risk) and a failure, that of the regulators.

Much like a house mortgaged to a bank today, mortgaged slaves were security for those who put up the money for the mortgage, to whom the slaves were “conveyed.” A mortgage financier might be a merchant, a church with an investment portfolio, a college, a bank, or, commonly, a wealthy individual with a large slavehold. A slave put up for sale had to be warranted not only of “good character” (not criminal-minded or rebellious) but “free of all incumbrance” (not already mortgaged).14 Slaveowners had physical possession of, and legal title to, the enslaved, but to speak only of the slaveowners is to underestimate how broad was the stakeholding.

take responsibility for our lives and recognize that we choose how we react to situations and that we can choose to be free if we so wish.

Greece was finally free. But freedom came with a huge debt that the new country had no way of repaying. The Greek economy was mortgaged to British creditors for decades to come.

Thus it is that the Internet, once heralded as an exciting new medium of communication, is now little more than a vast mail-order catalogue.

The little one-story house was as neat as a fresh pinafore. The front lawn was cut lovingly and very green. The smooth composition driveway was free of grease spots from standing cars, and the hedge that bordered it looked as though the barber came every day. The white door had a knocker with a tiger's head, a go-to-hell window and a dingus that let someone inside talk to someone outside without even opening the little window. I'd have given a mortgage on my left leg to live in a house like that. I didn't think I ever would. (The Pencil)

One of the symptoms of the approaching nervous breakdown is the belief that one’s work is terribly important & that to take a holiday would bring all kinds of disaster. Bertrand Russell

We scoffed at the kids who weren't like us, the ones who already talked about careers, or bliddy mortgages and pensions. Kids wanting to be old before they were young. Kids wanting to be dead before they'd lived. They were digging their own graves, building the walls of their own damn jails. Us, we hung to our youth. We were footloose, fancy free. We said we'd never grow boring and old. We plundered charity shops for vintage clothes. We bought battered Levis and gorgeous faded velvet stuff from Attica in High Bridge. We wore coloured boots, hemp scarves from Gaia. We read Baudelaire and Byron. We read our poems to each other. We wrote songs and posted them on YouTube. We formed bands. We talked of the amazing journeys we'd take together once school was done. Sometimes we paired off, made couples that lasted for a little while, but the group was us. We hung together. We could say anything to each other. We loved each other.

Our primary objective in every mortgage transaction should be to borrow in a way that reduces debt, improves financial stability, and helps us get debt free in as short a time as possible!

White people were allowed to buy houses with low-interest mortgages and receive free college educations. In the first instance this enabled them to amass wealth and equity, in the second it enabled them to live free of often crushing debt. Blacks were denied these opportunities, robbing them of untold wealth, the result of which has reverberated through succeeding generations.

It goes like this: go to school, get brainwashed, go to college, get more brainwashed, drink beer, get a degree, get a job, get married, have kids, get promoted, get a mortgage, take a yearly vacation, buy stuff on the holidays, retire, take up golf, be a grandparent, get cancer and die. The matrix exists to make sure you follow this formula, so that you can do your part to support the very system that’s enslaving you. Except you think you’re free because you went to Maui for a week last June. That’s not freedom, my love. That’s a bone.

At last there is an unknown element back in my life. This is how it used to be. This is how I used to do things before the eighties and jobs and money and careers and Thatcher and marriage and mortgages. I was spontaneous, free, even reckless. Things often didn’t work out, but I felt alive. Painfully alive. For the last few years I’ve been feeling painfully dead. That drive, that lust for life that everyone expects you to have after surviving cancer, well it took ten years to arrive, but here it is. I don’t care what anyone thinks of me any more, I’m going to live life to the full, starting with New York.

Don't promote yourself as a country of constitutionality and compassion if you honestly believe that putting people in prison and treating them like animals is justified. Stop all the hype that we live in a free and democratic society. I used to ramble on about the same stuff. But now—are we really a country that believes in fairness and compassion? Are we really a country that treats people fairly? I've met good men—yes, good men—in prison who made mistakes out of stupidity or ignorance, greed, or just bad judgment, but they did not need to be sent to prison to be punished; eighteen months for catching too many fish; two years for inflating income on a mortgage application; three months for selling a whale's tooth on eBay; fifteen years for a first-time nonviolent drug conspiracy in which no drugs were found or seized. There are thousands of people like these in our prisons today, costing American taxpayers billions of dollars when these individuals could be punished in smarter, alternative ways. Our courts are overpunishing decent people who make mistakes, and our prisons have no rewards or incentives for good behavior. In this alone criminal justice and prison systems contradict their own mission statements (244).

The immense new suburban sprawls of American cities have not come about by accident—and still less by the myth of free choice between cities and suburbs. Endless suburban sprawl was made practical (and for many families was made actually mandatory) through the creation of something the United States lacked until the mid-1930’s: a national mortgage market specifically calculated to encourage suburban home building.

In fact, war itself could become a commodity, just like opium. In 1821 the Greeks rebelled against the Ottoman empire. The uprising aroused great sympathy in liberal and romantic circles in Britain - Lord Byron, the poet, even went to Greece to fight alongside the insurgents. But London financiers saw an opportunity as well. They proposed to the rebel leaders the issue of tradable Greek Rebellion Bonds on the London stock exchange. The Greeks would promise to repay the bonds, plus interest, if and when they won their independence. Private investors bought bonds to make a profit, or out of sympathy for the Greek cause, or both. The value of Greek Rebellion Bonds rose and fell on the London stock exchange in tempo with military successes and failures on the battlefields of Hellas. The Turks gradually gained the upper hand. With a rebel defeat imminent, the bondholders faced the prospect of losing their trousers. The bondholders' interest was the national interest, so the British organised an international fleet that, in 1827, sank the main Ottoman flotilla in the Battle of Navarino. After centuries of subjugation, Greece was finally free. But freedom came with a huge debt that the new country had no way of repaying. The Greek economy was mortgaged to British creditors for decades to come.

A return to classical bank policy would deem loans fraudulent and annul debts when creditors do not lend with any reasonable calculation of how the debt can be paid in the normal course of economic life. Loans made without such a calculation should be considered predatory. The natural check on such behavior is to permit mortgage debtors to walk away from their homes, free of the debts attached to them, letting title revert to the banks that over-lent.

Now I see in that laughter a good deal of desperation and sadness. About to leave the haven of our separate universities and be thrown out onto the brutal free-spinning of the world, as we walked arm in arm through the snow, we carried with us, if only unconsciously, the knowledge that it would be our last holiday together; and we drank and laughed and sneered with the resolute sadness of men who knew that tomorrow we'd be trying to free our own mortgaged Buicks from our own snowlocked drives. That is what most of us ended up doing. I didn't; but I don't question that my friends were right and I wrong, that they were happy and I not, that theirs was the hard and mine the easy way. What always saddened me on confronting them was the surety that had I been foolish enough to bring up "old times," none would have allowed himself a memory of sticking his finger into the vaporous and flaky air and shouting, "Shovel, you f*cking dummies!" A self-destructively romantic man, I accepted our jeering defiance as a pact; forever.

A trader is a man who earns what he gets and does not give or take the undeserved. He does not treat men as masters or slaves, but as independent equals. He deals with men by means of a free, voluntary, unforced, uncoerced exchange–an exchange which benefits both parties by their own independent judgement. A trader does not expect to be paid for his defaults, only for his achievements. He does not switch to others the burden of his failures, and he does not mortgage his life into bondage to the failures of others.

A brick could be used to show you how to live a richer, fuller, more satisfying life. Don’t you want to have fulfillment and meaning saturating your existence? I can show you how you can achieve this and so much more with just a simple brick. For just $99.99—not even an even hundred bucks, I’ll send you my exclusive life philosophy that’s built around a brick. Man’s used bricks to build houses for centuries. Now let one man, me, show you how a brick can be used to build your life up bigger and stronger than you ever imagined. But act now, because supplies are limited. This amazing offer won’t last forever. You don’t want to wake up in ten years to find yourself divorced, homeless, and missing your testicles because you waited even two hours too long to obtain this information. Become a hero today—save your life. Procrastination is only for the painful things in life. We prolong the boring, but why put off for tomorrow the exciting life you could be living today? If you’re not satisfied with the information I’m providing, I’m willing to offer you a no money back guarantee. That’s right, you read that wrong. If you are not 100% dissatisfied with my product, I’ll give you your money back. For $99.99 I’m offering 99.99%, but you’ve got to be willing to penny up that percentage to 100. Why delay? The life you really want is mine, and I’m willing to give it to you—for a price. That price is a one-time fee of $99.99, which of course everyone can afford—even if they can’t afford it. Homeless people can’t afford it, but they’re the people who need my product the most. Buy my product, or face the fact that in all probability you are going to end up homeless and sexless and unloved and filthy and stinky and probably even disabled, if not physically than certainly mentally. I don’t care if your testicles taste like peanut butter—if you don’t buy my product, even a dog won’t lick your balls you miserable cur. I curse you! God damn it, what are you, slow? Pay me my money so I can show you the path to true wealth. Don’t you want to be rich? Everything takes money—your marriage, your mortgage, and even prostitutes. I can show you the path to prostitution—and it starts by ignoring my pleas to help you. I’m not the bad guy here. I just want to help. You have some serious trust issues, my friend. I have the chance to earn your trust, and all it’s going to cost you is a measly $99.99. Would it help you to trust me if I told you that I trust you? Well, I do. Sure, I trust you. I trust you to make the smart decision for your life and order my product today. Don’t sleep on this decision, because you’ll only wake up in eight hours to find yourself living in a miserable future. And the future indeed looks bleak, my friend. War, famine, children forced to pimp out their parents just to feed the dog. Is this the kind of tomorrow you’d like to live in today? I can show you how to provide enough dog food to feed your grandpa for decades. In the future I’m offering you, your wife isn’t a whore that you sell for a knife swipe of peanut butter because you’re so hungry you actually considered eating your children. Become a hero—and save your kids’ lives. Your wife doesn’t want to spread her legs for strangers. Or maybe she does, and that was a bad example. Still, the principle stands. But you won’t be standing—in the future. Remember, you’ll be confined to a wheelchair. Mushrooms are for pizzas, not clouds, but without me, your life will atom bomb into oblivion. Nobody’s dropping a bomb while I’m around. The only thing I’m dropping is the price. Boom! I just lowered the price for you, just to show you that you are a valued customer. As a VIP, your new price on my product is just $99.96. That’s a savings of over two pennies (three, to be precise). And I’ll even throw in a jar of peanut butter for free. That’s a value of over $.99. But wait, there’s more! If you call within the next ten minutes, I’ll even throw in a blanket free of charge. . .

The average household income in America is right around $50,000 per year, according to the Census Bureau. Joe and Suzy Average would invest $7,500 (15 percent) per year or $625 per month. If you make $50,000 per year and have no payments except the house mortgage and live on a budget, can you invest $625 per month? Follow me here. If Joe and Suzy invest $625 per month with no match into Roth IRAs from age thirty to age seventy, they will have $7,588,545 tax-FREE! That is almost $8 million. What if I’m half-wrong? What if you end up with only $4 million? What if I’m six times wrong? Sure beats the 97 out of 100 sixty-five-year-olds who can’t write a check for $600! I would submit to you that Joe and Suzy are well below average. Why? In our example they started at the average household income in America, and in forty years of work never got a raise. They saved 15 percent of income and never increased it by one dollar. There is no excuse to retire without financial dignity in the United States today. Most of you will have well over $2 million pass through your hands in your working lifetime, so do something about catching some of that money. Gayle asked me one day if it was too late for her to start saving. Gayle wasn’t twenty-seven like Joe and Suzy. She was fifty-seven years old, but with her attitude you would have thought this lady was 107. Harold Fisher had a much better outlook at age one hundred than Gayle did at age fifty-seven. Life had dealt her some blows and had knocked most of the hope out of her. A Total Money Makeover is not a magic show. You start where you are, and you do the steps. These steps work if you are twenty-seven or fifty-seven, and they don’t change. Gayle might be starting the retirement investing step at sixty that Joe and Suzy start at thirty years old. Gayle was unwise to enter her sixties without an emergency fund and with credit-card debt and a car payment. She, like all of us, couldn’t save when she has debt and no umbrella for when it rains. Would it have been better for Gayle to start when she was twenty-seven or even forty-seven? Obviously. But once she was done with the pity party, she still needed to start with Baby Step One and follow The Total Money Makeover step-by-step to put herself in the best position possible.

Well, this was predictable. House Republicans last week acceded to an extension of the Export-Import Bank for at least the next nine months. The Export-Import Bank is far from the worst example of government-business cronyism. I just completed a history of American political corruption and actually had to leave Ex-Im on the cutting room floor. Its cronies are pikers compared with the corporate moguls that take advantage of tax preferences like the G.E. and Apple loopholes. They also cannot hold a candle to the American Medical Association, which is basically free to write the reimbursement rates for Medicare Part B. And nothing compares to Fannie Mae and Freddie Mac from 1991-2008. The two mortgage giants kept the entire D.C. political class bent over a barrel for almost 20 years as its top executives reaped enormous bonuses while putting the broader economy at risk.

Here’s a crash course in the economy,” said Hunter. “Americans get up each morning and go to factories and farms and fire stations and work their whole lives, creating actual products you can hold in your hands. Or some service that benefits. I mean, what the fuck’s that about?” “Work isn’t good?” “It’s the damn workers who crashed the economy.” “I thought it was you,” said Serge. “Don’t be a comedian.” Hunter started counting off on his fingers. “They lost their retirement accounts, their mortgages, their homes, even their jobs. Can’t these assholes do anything right?” “You on the other hand?” “We ended up with all the cash. And then the people turned to the government and went, ‘Holy shit! What happened to all our goddamn money? Do something!’ So the government takes even more money from the workers and—this part is absolutely priceless—they give it all to us again! Now you tell me who’s the success story.” “But what’s so hard about accepting free money?” “That’s exactly what I was thinking when half the country screamed, ‘I’ll kick your fucking ass if you give me health care!’ ” “Sounds too good for words,” said Serge. “It’s good enough for one word,” said Hunter. “Socialism.” Serge pounded the bar with his fist. “Fuck socialism.” “Don’t say that!” Hunter took a swig. “I love socialism.” “You do?” Hunter nodded hard. “Finest word in the English language. Just mention socialism, and everyone gets blinded by rage, takes their eyes off us and prints up T-shirts that insult the president.” Bleadoph raised his hands toward the ceiling in exultation. “Thank God he was elected!” “Forgive my ignorance,” said Serge, “but weren’t the bailouts socialism?” Hunter shook his head. “It’s only socialism if the money goes down, not up.” “A toast,” said Serge. “To socialism!” “To socialism!

They proposed to the rebel leaders the issue of tradable Greek Rebellion Bonds on the London stock exchange. The Greeks would promise to repay the bonds, plus interest, if and when they won their independence. Private investors bought bonds to make a profit, or out of sympathy for the Greek cause, or both. The value of Greek Rebellion Bonds rose and fell on the London stock exchange in tempo with military successes and failures on the battlefields of Hellas. The Turks gradually gained the upper hand. With a rebel defeat imminent, the bondholders faced the prospect of losing their trousers. The bondholders’ interest was the national interest, so the British organised an international fleet that, in 1827, sank the main Ottoman flotilla in the Battle of Navarino. After centuries of subjugation, Greece was finally free. But freedom came with a huge debt that the new country had no way of repaying. The Greek economy was mortgaged to British creditors for decades to come. 40.

Recognizing how most great fortunes had been built up in predatory ways, through usury, war lending and political insider dealings to grab the Commons and carve out burdensome monopoly privileges led to a popular view of financial magnates, landlords and hereditary ruling elite as parasitic by the 19th century, epitomized by the French anarchist Proudhon’s slogan “Property as theft.” Instead of creating a mutually beneficial symbiosis with the economy of production and consumption, today’s financial parasitism siphons off income needed to invest and grow. Bankers and bondholders desiccate the host economy by extracting revenue to pay interest and dividends. Repaying a loan – amortizing or “killing” it – shrinks the host. Like the word amortization, mortgage (“dead hand” of past claims for payment) contains the root mort, “death.” A financialized economy becomes a mortuary when the host economy becomes a meal for the financial free luncher that takes interest, fees and other charges without contributing to production.

Similar declarations are to be found again and again, in Sumerian and later Babylonian and Assyrian records, and always with the same theme: the restoration of “justice and equity,” the protection of widows and orphans, to ensure—as Hammurabi was to put it when he abolished debts in Babylon in 1761 BC—“that the strong might not oppress the weak.”14 In the words of Michael Hudson, The designated occasion for clearing Babylonia’s financial slate was the New Year festival, celebrated in the spring. Babylonian rulers oversaw the ritual of “breaking the tablets,” that is, the debt records, restoring economic balance as part of the calendrical renewal of society along with the rest of nature. Hammurabi and his fellow rulers signaled these proclamations by raising a torch, probably symbolizing the sun-god of justice Shamash, whose principles were supposed to guide wise and fair rulers. Persons held as debt pledges were released to rejoin their families. Other debtors were restored cultivation rights to their customary lands, free of whatever mortgage liens had accumulated.15

Say what you will of religion, but draw applicable conclusions and comparisons to reach a consensus. Religion = Reli = Prefix to Relic, or an ancient item. In days of old, items were novel, and they inspired devotion to the divine, and in the divine. Now, items are hypnotizing the masses into submission. Take Christ for example. When he broke bread in the Bible, people actually ate, it was useful to their bodies. Compare that to the politics, governments and corrupt, bumbling bureacrats and lobbyists in the economic recession of today. When they "broke bread", the economy nearly collapsed, and the benefactors thereof were only a select, decadent few. There was no bread to be had, so they asked the people for more! Breaking bread went from meaning sharing food and knowledge and wealth of mind and character, to meaning break the system, being libelous, being unaccountable, and robbing the earth. So they married people's paychecks to the land for high ransoms, rents and mortgages, effectively making any renter or landowner either a slave or a slave master once more. We have higher class toys to play with, and believe we are free. The difference is, the love of profit has the potential, and has nearly already enslaved all, it isn't restriced by culture anymore. Truth is not religion. Governments are religions. Truth does not encourage you to worship things. Governments are for profit. Truth is for progress. Governments are about process. When profit goes before progress, the latter suffers. The truest measurement of the quality of progress, will be its immediate and effective results without the aid of material profit. Quality is meticulous, it leaves no stone unturned, it is thorough and detail oriented. It takes its time, but the results are always worth the investment. Profit is quick, it is ruthless, it is unforgiving, it seeks to be first, but confuses being first with being the best, it is long scale suicidal, it is illusory, it is temporary, it is vastly unfulfilling. It breaks families, and it turns friends. It is single track minded, and small minded as well. Quality, would never do that, my friends. Ironic how dealing and concerning with money, some of those who make the most money, and break other's monies are the most unaccountable. People open bank accounts, over spend, and then expect to be held "unaccountable" for their actions. They even act innocent and unaccountable. But I tell you, everything can and will be counted, and accounted for. Peace can be had, but people must first annhilate the love of items, over their own kind.

hint: I didn’t care who knew what we were doing in here. Not only were we both grown, we also paid a pretty hefty mortgage on this house every month. In short, we could do whatever the hell we wanted, when we wanted.

I deeply admire the president’s determination to defy the small, poll-driven politics of our day to tackle big things. However, the gap between the singular focus of the campaign and his varied and ambitious agenda afterward undoubtedly sapped some of his political strength, leaving Americans wondering if he was truly focused on their concerns. You can’t take politics entirely out of the process. I don’t speak with the president as much anymore. With the campaigns over, our once-frequent conversations have slowed to a trickle. I miss them. And when I hear the thundering hooves of the Washington pundits and pols on a stampede to run him down, I feel for him. Hell, I bleed for him. The brutal midterm election of 2014 was another painful rebuke. Yet I know this: There are people who are alive today because of the health coverage he made possible. There are soldiers home with their families instead of halfway across the world. There are hundreds of thousands of autoworkers on the assembly line who would have been idled but for him, and the overall economy is in better shape than it has been in years. There are folks who are getting improved deals from their banks and mortgage lenders thanks to new rules in place and a new cop on the beat. There are gay and lesbian Americans who are, for the first time, free to defend their country without having to lie about who they are. There are women who have greater legal recourse when they’re paid less than the man doing the exact same job alongside them. There are families who can afford to send their kids to college because there is more aid available. Oh, and yes . . . just as he predicted in my conference room back in those wonderful, heady days when we first considered an audacious run for the presidency, millions of kids in our country today can dream bigger dreams because Barack Obama has blazed the trail for them.

There are people who are alive today because of the health coverage he made possible. There are soldiers home with their families instead of halfway across the world. There are hundreds of thousands of autoworkers on the assembly line who would have been idled but for him, and the overall economy is in better shape than it has been in years. There are folks who are getting improved deals from their banks and mortgage lenders thanks to new rules in place and a new cop on the beat. There are gay and lesbian Americans who are, for the first time, free to defend their country without having to lie about who they are. There are women who have greater legal recourse when they’re paid less than the man doing the exact same job alongside them. There are families who can afford to send their kids to college because there is more aid available.

All the things you’re not supposed to do on land you’re supposed to do on a cruise because it’s one of America’s official responsibility-free zones, like Mardi Gras, New Year’s Eve or Courtney Love. Twenty-four-hour free buffets all over the place, raunchy stage shows, countless bars that won’t cut you off as long as you can knee-walk into a casino and blow the mortgage—

How different would our world be today if there had been effective mission among those who a few years ago felt free to make huge personal fortunes out of subprime mortgages in the United States? The results of the nonevangelization of that segment of American society has today had global outcomes effecting millions of lives.) So, start at home !31

Applied, this means instead of buying products on TV, sell products. Instead of digging for gold, sell shovels. Instead of taking a class, offer a class. Instead of borrowing money, lend it. Instead of taking a job, hire for jobs. Instead of taking a mortgage, hold a mortgage. Break free from consumption, switch sides, and reorient to the world as producer.

For instance, Objectivists will often hear a question such as: “What will be done about the poor or the handicapped in a free society?” The altruist-collectivist premise, implicit in that question, is that men are “their brothers’ keepers” and that the misfortune of some is a mortgage on others. The questioner is ignoring or evading the basic premises of Objectivist ethics and is attempting to switch the discussion onto his own collectivist base. Observe that he does not ask: “Should anything be done?” but: “What will be done?”—as if the collectivist premise had been tacitly accepted and all that remains is a discussion of the means to implement it. Once, when Barbara Branden was asked by a student: “What will happen to the poor in an Objectivist society?”—she answered: “If you want to help them, you will not be stopped.

Cash Flow & Loan Paydown Let’s talk briefly on how mortgages work. A mortgage is just a fancy word for “loan on a property.” An owner-occupied mortgage is that same loan, but requires you to live there for a more favorable price or terms. With house hacking, you are likely going to obtain an owner-occupied loan. For the purposes of this discussion, let’s say that you are getting a 3.5 percent FHA loan. If you purchase a property for $100,000, you will be responsible for putting $3,500 down in exchange for a $96,500 loan to be paid back monthly over the next thirty years. Assuming a 5.25 percent interest rate, the monthly payments would be $532.88 per month. Each monthly payment will be a combination of principal and interest. The principal is the actual balance of the loan the bank gives you—in this case $96,500. The interest payment is the amount that you are paying the bank for lending you money. In the first month, the concentration of interest payment will be highest, and as you continue to pay down the mortgage every month, an increasing amount of that $532.88 payment will be applied toward the principal. Take a look at the amortization schedule below to see how each payment over the next twelve months is comprised. Do you see how the interest portion of the payment decreased over time, but the amount applied to the principal increases? When you are paying down your principal, you are building equity in the property by paying back the balance of the loan. The best part about house hacking is that you are not actually paying the loan: Your tenants are! Not only are you living for free, and maybe even cash flowing, you own more and more of your house each month.

a job, hire for jobs. Instead of taking a mortgage, hold a mortgage. Break free from consumption, switch sides, and reorient to the world as a producer.

In exchange for hard work the [Cuban] people have freedom. Not only freedom from want but freedom to develop themselves as individuals. They have shelter, no mortgages, sufficient food for survival and sufficient clothing. There are few cars, as this is really a luxury item, and what cars there are, are for the use of the people. There are many buses. These buses are all made in France or England. In Havana, transportation is only 5 cents. If you have it, you pay it consciously, if not you can ride anyway. I used to watch the people get on and everyone seemed to pay. Public telephones are free. Medical care is completely free to everyone. Even sports events are free. (1969)

Necessitous men are not free men," Franklin Roosevelt said in that 1944 State of the Union speech. "People who are hungry and out of a job are the stuff of which dictatorships are made." A dire statement, demonstrably true, and especially unsettling now, a point in time when the American Dream seems more viable as nostalgia—make America great again!—than as present reality. Income inequality, wealth distribution, mortality rates: by every measure, the "average man" that Eleanor Roosevelt celebrated is sinking. A recent study by the Pew Research Center shows that the middle class has shrunk to the point where it may no longer be the economic majority in the U.S.21 And with widespread decline in economic prospects comes disillusionment: A recent poll shows nearly three-quarters of Americans across the economic and political spectrum believe that the U.S. economy is rigged. A quarter of these same respondents hadn't had a vacation in at least five years. Over half worried about missing their mortgage payment, and 60 percent of the renters expressed concern about making the monthly rent.22 Exceptional individuals continue to rise, but overall mobility is stagnant at best. More and more it comes down to the birth lottery. If you're born poor in Flint or Appalachia, chances are you're going to stay that way. And if your early memories are of July Fourth fireworks at the Nantucket Yacht Club and ski lessons at Deer Valley, you're likely going to keep your perch at the top of the heap.

her mind. Get away from here and sweat. That was all. Then she’d be all right. Then she could think straight again. Oh, God, please . . . Her hands shook violently as she twisted her hair up onto her head. Trying in vain to turn off the questions pounding through her brain, she stripped out of her clothes to don jogging bra, long-sleeved T-shirt, shorts and running shoes. Then, on impulse, she walked into her den, ignored the stacks of work and checked her e-mail. Maybe Kelly had sent her a message . . . She was surprised she hadn’t thought of it before. She clicked on her mailbox but saw nothing other than the usual offers of low-mortgage rates, discreet Viagra or a free peek at some porn site. Nothing from Kelly. ‘‘Damn.’’ She clicked off the computer and with Oscar at her heels, hurried downstairs, where she peeked out the front blinds and saw no trace of reporters on the street. Still, she’d be careful. She slapped a pair of sunglasses over her eyes and added a baseball cap to her disguise, as if she were some high-profile celebrity, for God’s sake, then clicked on Oscar’s leash. She

And you – you get to swan off every day to your precious little studio, and make your pretty little necklaces with your lovely daddy at the end of the fucking line ready to bail you out every time you go into the red and your lovely little mortgage-free apartment and – and your youth and you have no idea, you literally have no idea about anything, Rachel. You’re a fucking child.’ Michael ripped the duvet away from himself and stalked to the bathroom.

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The party for those addicted to markets has been the “make it rain” free-money printing game run since 1971. They may call it “Quantitavive Easing”, (QE) or “monetary policy” or “Asset purchases by the Fed”, or any number of terms which cause 99% of humans to stop listening. I urge everyone to demand better from governments, professionals and public servants. To demand real “service” from those who claim to be in this role. Right now we are letting those addicted to money, play with “self” accountability, which is creating addicts and poverty at a faster rate than our western economies can create prosperity. “Asset purchases” means the Fed printing money, to give this money to banks in exchange for some of the banks bad assets that need to be purged. How wealthy would your family be if each losing investment could simply be taken off your hands…using borrowed money that the taxpayer must then repay? How poor would your neighbors be if they did not have this money pipeline working for them? The newly printed money for asset purchases, is backed by US Treasury IOU’s, or similar notes and borrowings, for which the public must now repay through income taxes…forever. Banks thus get billions in freshly created cash, while the US public gets the bad assets, or gets stuck with the bill to pay back the money created to purchase the bad assets. I could probably refine that description a bit, but for now I am going to let it lay here. Any corrections are welcomed with gratitude. Dousing the flames of the 2008 mortgage bubble disaster, using government money issued in this manner, was said to be needed to prevent complete financial system meltdown. A better choice would have been to let those with a gambling addiction, suffer the consequences of their addiction, like we demand of every addict in Downtown LA. But the Fed is the perfect tool for dumping bank gambling losses and bad assets upon the taxpayer, and to make taxpayers pay to give the banks a clean-money start each time. The only thing left to do for the recipients of some of those newly printed billions, is to “launder it”, to get

BENEFITS OF MSME REGISTRATION There are diverse blessings that groups get after acquiring MSME registration in India below the MSME act. They are as follows: COLLATERAL FREE BANK LOANS Collateral loose loans are loans supplied to the lender through the borrower with none guarantee. One can method a borrower for a mortgage despite the fact that he/she has not anything to spend money on or pledge. The Government of India has made collateral-loose credit score to be had to all small and micro-enterprise sectors. This initiative ensures finances to micro and small-zone firms. Under this scheme, each the vintage in addition to the brand new firms can declare the advantages. REGISTRATION SUBSIDY A big 50% subsidy is given to the status quo having a certificates of registration granted through MSME. This subsidy for patent registration may be availed through filing packages to diverse ministries. CONCESSION ON ELECTRICITY BILLS One of the large advantages to the MSMEs, organizations registered below the MSME act can get a concession on strength payments. For doing this, they should post the payments along side an utility and a replica of the registered certificates through MSME. PROTECTION AGAINST DELAYED PAYMENTS Taking into consideration the uncertainty with the sales technology through diverse groups, the authorities offers a layer of defensive to them in opposition to bills. The Ministry of Micro, Small, and Medium Enterprise has given enterprise proprietors and firms to acquire hobby on bills not on time through the client. Under the MSME registration advantages, a client is predicted to make a fee for the goods/offerings inside 15 days of the purchase. If the client delays, the fee for greater than forty five days, the agency is eligible to rate compound hobby that's three instances the charge notified through RBI.

Loan Originating has been Miguel's passions for over 15 years. He uses his analytical skills, attention to detail and passion for helping others to guide his clients through each phase of the mortgage process. He attributes his success to high ethical principles, having a plan and willingness to constantly make adjustments along the way. He sees obstacles as an opportunity to demonstrate his value. Miguel specializes in home loans, mortgage and refinancing. On his free time, Miguel loves spending time with his family and always makes their happiness a priority. From making memories on family trips to volunteering at his daughters' scholastic and sporting events; family comes first. NMLS #223313 CalBre# 01844476

Virtually all brokerage firms offer individual retirement accounts (IRAs). There are two main types: traditional and Roth. The main difference between them is tax treatment. Traditional IRAs give you a tax deduction now, and tax-deferred growth for the money in the account; you pay taxes only when you begin to withdraw money. Roth IRAs give you no tax deduction now, but all of the money in the account grows tax-free as long as you don’t take it out early (the after-tax money you put in you can still access penalty-free if you need to).

The TCJA created a tax treasure for pass-through business owners, such as landlords set up as sole proprietorships, LLCs, and partnerships. Any profits earned through the rental properties get “passed through” to your personal income tax return. If your rental properties qualify as a business for tax purposes—and they almost always do when you actively participate in the business—the new tax law lets you deduct 20 percent of your net rental income from your taxable income. That can translate into huge tax savings, freeing up more money so you can beef up your investments or pay down some debt.

Unfortunately, the Bull that gilded Renaissance New York did little for most Americans. Eighties Wall Street was about institutional money released by deregulation, mergers and acquisitions, and, most of all, the debt that made it all possible. As John Kenneth Galbraith points out, financial euphoria always starts with new ways to borrow money; this time it was triggered by the Savings & Loan crisis. Volcker’s rocketing interest rates had forced S&Ls to offer double digits to new depositors while only getting back single digits on the old thirty-year mortgages on their books. S&Ls were going under, and getting a mortgage was nearly impossible, so in March 1980, with the banking system and the housing market on the brink, Carter had signed a law to allow them to issue credit cards, invest in commercial real estate, and offer checking accounts in order to stay in business. Reagan then took it a step further with a change that encouraged S&Ls to sell their mortgages in search of higher returns, freeing up a $1 trillion that needed to be invested in something. Which takes us back to Salomon Brothers, where in 1978 one Lew Ranieri had repackaged an old investment product the government had clamped down on during the Depression: A group of home mortgages all backed by government insurance would be bundled together, then sliced into bonds, thus converting the debt some people owed on their homes into an asset for others. Ranieri had been a bit ahead of the curve then—the same high interest rates that killed the S&Ls also made his bonds unattractive—but now deregulation let Salomon buy up the S&Ls’ mortgages at a deep discount, bundle them into bonds, and sell them back to the S&Ls who believed they’d diversified into the bond market when in fact they’d just bought ground meat made out of their own steaks. In June 1983, Salomon Brothers and Freddie Mac together issued the first collateralized mortgage obligation bonds (CMOs), which bundled up debt and cut it into tranches based on the amount of risk: you could choose between ground chuck and ground sirloin. It would be years before technology would allow doing this on a huge scale, but the immediate impact was that all kinds of debt, not just mortgages, were bundled, cut into bonds, and sold: credit card debt, car loans, you name it. Between 1983 and 1988, some $60 billion of CMOs were sold; GM’s financing arm became more profitable than its cars. America began to make debt instead of things. The

Like many retail stores, Walgreens typically doesn’t own properties. Instead, it finds the land, builds the building, sells the land and building to an investor, and then leases them back for 30 years. Walgreens agrees to take care of all of the maintenance and all of the expenses. All the investor has to do is pay the mortgage.

Southerners could no sooner free their slaves voluntarily than contemporary Americans could donate their mortgaged homes to charity. Debt limited action. It took a person without debts, without heirs, and with high principles to voluntarily give up a valuable personal asset. And even here, principles could be subverted by political considerations. Roger B. Taney, the Supreme Court chief justice who ruled that Dred Scott and all African descendants could never be considered American citizens, had freed his own slaves as a young man decades earlier.

The European Union is the biggest fraud in world history; it was created to capture all European land and resources by four power-hungry countries: the UK, Germany, France, and Italy. Small European Countries People are just happy that they can roam freely in Paris, Venice, and Berlin, but they have no idea how their governments are paying for this by mortgaging their sovereignty. They are not free nations but a modern-era colony of four power-hungry nations.

While some free people worked to free family and friends, others saw their elevation as dependent upon slavery.They staked their claim to equality not as abolitionists, in the manner of northern free blacks, but as partisans of the slaveholders' regime. To such men and women, nothing more fully demonstrated their rights as subjects or as citizens than their ability to own slaves. By demonstrating their allegiance to the slaveholder's ideal, slaveownership refuted the planters' oft-stated belief that free people of color were noting more than slaves without masters. Like ambitious whites, free people of color bought and sold slaves, used slaves as bequests, donations, and gifts in marriage contracts, and employed slaves as collateral in mortgages and other transactions. If in the process, families were divided and men and women shipped to distant parts, black slaveowners - like white ones - accepted those consequences as an unfortunate necessity. Presenting slave ownership as evidence of their political reliability, these free people of color rested their case for enfranchisement and equality.

In addition to the Catholic Church’s ban on contraception, a ban which had added force because of the religious cohesion of the ethnic neighborhood, one of the main things which fueled this demographic increase in Philadelphia was the rowhouse. It was cheap enough for a worker to own. It was more spacious than an apartment, and instead of paying rent and being at the mercy of landlords, a man could own his home free and clear in the time it took him to pay off his mortgage. Since it was located in the city near public transportation, the rowhouse did not require the expense of owning a car. Since it was surrounded on both sides by other houses, it was cheap to heat. As a result, it allowed the working-class Catholic family to have a large family, and over a period of time, it allowed him to benefit from the political power which followed demographic increase, which is precisely what was causing Blanshard and the Phillips crowd concern. The attack on the rowhouse which the Better Philadelphia Exhibition orchestrated meant an attack on all of the cultural attributes that went with the rowhouse, a building which symbolized the cultural independence of the ethnic neighborhood based on religious cohesion and the economic independence of immigrant workers who could own their own homes. The attack on the rowhouse in Philadelphia was a covert attack on the Catholics who lived in them, orchestrated by a ruling class that knew, as good Darwinians, that demography was destiny and that they, because of their all but universal adoption of contraception, were on the losing end of the demographic equation. Urban renewal, like the sexual revolution which followed it eighteen years later, was the WASP ruling class’s attempt to keep “the United States from becoming a Catholic country by default.

Applied, this means instead of buying products on TV, sell products. Instead of digging for gold, sell shovels. Instead of taking a class, offer a class. Instead of borrowing money, lend it. Instead of taking a job, hire for jobs. Instead of taking a mortgage, hold a mortgage. Break free from consumption, switch sides, and reorient to the world as a producer.

It’s importance, however, is bigger than that. Treasury securities are the risk-free yield curve for all of the financial markets. That’s right, the yields of Treasury Bills, Notes, and Bonds from overnight to 30 years make up a yield curve that is used to price all other fixed-income securities. The Treasury market is the reference rate for interest rates. Treasurys are a tool for pricing corporate bonds, municipal bonds, emerging market bonds, federal agencies, mortgage-backed securities, and other dollar assets. On top of that, they’re also a tool for speculation and hedging risk.

Mike had a girlfriend named Jenny. Soap liked Jenny because she teased him, but Jenny really isn’t important to this story. She wasn’t ever going to fall in love with Soap, and Soap knew it. What matters is that Jenny worked in a museum, and so Soap and Mike started going to museum events, because you got Brie on crackers and wine and martinis. Free food. All you had to do was wear a suit and listen to people talk about art and mortgages and their children. There would be a lot of older women who reminded Soap of his mother, and it was clear that Soap reminded these women of their sons. What was never clear was whether these women were flirting with him, or whether they wanted his advice about something that even they couldn’t put their finger on.

A significant proportion, then and now, was from the beginning devoted to the violation of laws, the disregard of rights of any kind, and the casual murder or rape of those who resisted them. Something in the neighborhood of fifty thousand convicts were transported to the New World in an effort to provide law and order in the Old.3 Third, a substantial number of immigrants arrived in the New World with their foreseeable future years already mortgaged to pay for their passage over. “Redemptioners” or “free-willers” booked passage for America and on their arrival were auctioned off by the ship captain to the highest bidder. Many English merchants specialized in this trade and fraudulent practices in recruiting were commonplace. The immigrants were packed aboard like sardines, and a mortality of more than 50 percent during a trip to the New World was not unusual. These

The resulting financial overhead consists of claims on the economy’s actual means of production. Yet most people think of these bonds, bank loans and stocks and creditor claims as wealth, not its antithesis on the debit side of the balance sheet. This inside-out doublethink is a precondition for the bubble economy to be applauded by the mass media, keeping its corrosive momentum expanding. From the corporate sphere and real estate to personal budgets, the distinguishing feature over the past half-century has been the rise in debt/equity and debt/income ratios. Just as debt leveraging has hiked corporate break-even costs of doing business, so the cost of living has been increased as homes and office buildings have been bid up on mortgage credit. “Creating wealth” in a debt-financed way makes economies high-cost, exacerbated by the tax shift onto labor and consumers instead of capital gains and “free lunch” rent. These financial and fiscal policies have enabled financial managers to siphon off the industrial profits that were expected to fund capital formation to increase productivity and living standards. The

The American dream is now heavily mortgaged. So what went wrong? Why do we live this way in this land where we are free to choose? What drives our mania for material things? As citizens of the richest nation in the world, why do we not choose to simply enjoy what we have, to slow down, to save more, and to spend more time with those we love—as we say we wish to do? Economists

The 8 Basic Headers Work Family & Kids Spouse Health & Fitness Home Money Recreation & Hobbies Prospects for the Future Work The Boss Time Management Compensation Level of interest Co-workers Chances of promotion My Job Description Subordinates Family Relationship with spouse Relationship with children Relationship with extended family Home, chores and responsibilities Recreation & hobbies Money, expenses and allowances Lifestyle and standard of living Future planes and arrangements Spouse Communication type and intensity Level of independence Sharing each other's passions Division of roles and responsibilities Our time together Our planes for our future Decision making Love & Passion Health & Fitness General health Level of fitness Healthy lifestyle Stress factors Self awareness Self improvement Level of expense on health & fitness Planning and preparing for the rest of my life Home Comfort Suitability for needs Location Community and municipal services Proximity and quality of support/activity centers (i.e. school. Medical aid etc) Rent/Mortgage Repair / renovation Emotional atmosphere Money Income from work Passive income Savings and pension funds Monthly expenses Special expenses Ability to take advantage of opportunities / fulfill dreams Financial security / resilience Financial IQ / Understanding / Independent decision making Social, Recreation & Hobbies Free time Friends and social activity Level & quality of social ties Level of spending on S, R&H Culture events (i.e. theater, fairs etc) Space & accessories required Development over time Number of interests Prospect for the future Type of occupation Ratio of work to free time Promotion & Business development (for entrepreneurs) Health & Fitness Relationships Family and Home Financial security Fulfillment of vision / dreams  Creating Lenses with Excel If you wish to use Excel radar diagrams to simulate lenses, follow these steps: Open a new Excel spreadsheet.

Governments appreciate terrorists, because they provide a good advertisement for the need for government, for its protection. They love wars, because they give government a reason for existing – to save us from the infidel.

exhaustion make a significant impact on the workforce. Western workers find themselves working as much overtime as possible to pay off debts, match earnings with outgoing daily expenses, pay monthly rents/mortgage, student loans, car bill and credit card debts. Certain corporations will employ young citizens for days or weeks, on trial for a job, without paying them any salary, with the excuse of giving them “work experience.” Young people believe that working in a coffee shop, store or office will help them get a job. They are there serving as free or cheap labour. Corporations influence legislation. Major corporations endorse lower taxation to make themselves better off and to get people to spend more rather than pay taxes for the welfare and support of the poor. The corporate world enjoys major tax breaks for the wealthy. Some of the superrich use tax havens worldwide

The Boomers’ ersatz neoliberalism emphasizes consumption over production, dogmatic deregulation instead of thoughtful oversight, permanent deficits instead of fiscal prudence, and capitalism liberated from the bounds of the state, though always free to replenish itself at the federal trough in the event “sub-prime mortgages,” “junk bonds,” or “collateralized debt obligations” somehow lived up to their names. The

Bill Clinton's political formula for seizing the presidency was simple. He made money tight in the ghettos and let it flow free on Wall Street. He showered the projects with cops and bean counters and pulled the ops off the beat in the financial services sector. And in one place he created vast new mountain ranges of paperwork, while in another paperwork simply vanished. After Clinton, just to get food stamps to buy potatoes and flour, you suddenly had to hand in a detailed financial history dating back years, submit to wholesale invasions of privacy, and give in to a range of humiliating conditions. Meanwhile banks in the 1990s were increasingly encouraged to lend and speculate without filing out any paperwork at all, and eventually borrowers were freed of the burden of even having to show proof of income when they took out mortgages or car loans.

Particularly galling was the way the Homestead Act was abused. Passed during the Civil War, it was supposed to make a reality out of Lincoln’s version of the free labor, free soil dream. But fewer than half a million people actually set up viable farms over nearly half a century. Most public lands were taken over by the railroads, thanks to the government’s beneficent land-grant policy (another form of primitive accumulation); by land speculators backed by eastern bankers, who sometimes hired pretend “homesteaders” in acts of outright fraud; or by giant cattle ranches and timber companies and the like who worked hand in glove with government land agents. As early as 1862 two-thirds of Iowa (or ten million acres) was owned by speculators. Railroads closed off one-third of Kansas to homesteading and that was the best land available. Mushrooming cities back east became, in a kind of historical inversion, the safety valve for overpopulated areas in the west. At least the city held out the prospect of remunerative wage labor if no longer a life of propertied independence. Few city workers had the capital to migrate west anyway; when one Pennsylvania legislator suggested that the state subsidize such moves, he was denounced as “the Pennsylvania Communist” for his trouble. During the last land boom of the nineteenth century (from about 1883 to 1887), 16 million acres underwent that conversion every year. Railroads doubled down by selling off or mortgaging portions of the public domain they had just been gifted to finance construction or to speculate with. But land-grant roads were built at costs 100 percent greater than warranted and badly built at that, needing to be rebuilt just fifteen years later.

After finding Corpp’s devoid of Juniors later that evening, it didn’t take Lex and Driggs long to guess that their crew had decided to hole up in the Crypt’s common room for the night. Together they headed down Dead End and made their way through a darkened, narrow tunnel, eventually emerging into a small green courtyard surrounded by a block of rooms. As they approached the largest one, a heated argument between Sofi and Ayjay wafted through the window. “I’ve got ten hotels on the Conservatory. Seriously, you owe me, like, eighty gatrillion dollars.” “Not until I get my triple-letter score for passing Go.” “No way! You couldn’t remove the Charley Horse, remember?” “So? I still found the Lead Pipe in Park Place!” “Which you had to mortgage after Queen Frostine totally sank your battleship!” Lex attempted to follow this conversation as she walked through the door, but she failed somewhere around the time Elysia almost toppled over on the Twister mat. “Jump in,” Elysia said from the floor, wobbling way too close to the jellyfish tank. “There are a couple of tokens left in the box.” Driggs sat down on one of the many battered couches and dug through the box, removing a wrench, a top hat, a rook, a green gingerbread man, and a decapitated Rock’Em Sock’Em Robot. Lex looked at the game board on the table, a mangled conglomeration of Monopoly, Clue, Candy Land, Scrabble, and chess. “What the crap?” she asked the room. “Don’t touch the Candlestick or you’ll automatically lose,” Elysia warned from the mat, flicking the spinner with her free hand

The designated occasion for clearing Babylonia’s financial slate was the New Year festival, celebrated in the spring. Babylonian rulers oversaw the ritual of “breaking the tablets,” that is, the debt records, restoring economic balance as part of the calendrical renewal of society along with the rest of nature. Hammurabi and his fellow rulers signaled these proclamations by raising a torch, probably symbolizing the sun-god of justice Shamash, whose principles were supposed to guide wise and fair rulers. Persons held as debt pledges were released to rejoin their families. Other debtors were restored cultivation rights to their customary lands, free of whatever mortgage liens had accumulated.15 Over the next several thousand years, this same list—canceling the debts, destroying the records, reallocating the land—was to become the standard list of demands of peasant revolutionaries everywhere. In Mesopotamia, rulers appear to have headed off the possibility of unrest by instituting such reforms themselves, as a grand gesture of cosmic renewal, a recreation of the social universe—in Babylonia, during the same ceremony in which the king reenacts his god Marduk’s creation of the physical universe. The history of debt and sin was wiped out, and it was time to begin again. But it’s also clear what they saw as the alternative: the world plunged into chaos, with farmers defecting to swell the ranks of nomadic pastoralists, and ultimately, if the breakdown continued, returning to overrun the cities and destroy everything.

Gospel time is our spiritual harvest, and it is notorious folly to sleep or loiter in harvest. The time of the gospel is a time indeed--namely, a time of light, a time of love, a time of life, a time of liberty (Matt. 4:16; 2 Tim. 1:10; Ezek. 16:8; Rom. 5:8; Isa. 61:6; John 8:36). Now, the trumpet of jubilee sounds, and all debts and mortgages may be taken up and released. Here is liberty for the poor captives and the opening of the prison to them that are bound. 'Tis now an "accepted time," a "day of salvation" (2 Cor. 6:2), a time to accept or a time to be accepted, a golden and glorious time indeed. Behold, now there is a broad and clear way to His mercy seat. The flaming sword is gone; the partition wall is down; all bars and gates are removed; an act of indemnity is proclaimed; and there is a free admission for all to come and be saved. Pardons are ready (Isa. 55:6-7).

Once you are debt-free except for your mortgage, bump your starter emergency fund up to three to six months' worth of expenses. That will be your fully funded emergency fund.

THE 2007–2008 FINANCIAL crisis provoked no great protests, but it did provide plenty of villains. Advances in information technology and the loosening up of financial industry regulations since the 1980s had set bankers free to take enormous risks. By the late 1990s, with home prices climbing higher and higher every year, private mortgage lenders saw an opportunity to reap tremendous profits while passing the risks on to the public.

Diana had always hated when people said this about her family. The bosses who made her dad list a payroll company as his employer, they gamed the system. The assholes who convinced her parents to take out both a second mortgage and a HELOC in 2006 gamed the system. The employers who would never give Edith enough hours for benefits gamed the system. But ask a lot of people, and they'd tell you it's people like her grandma who game the system. They'd tell you that an old woman who's worked hard every day of her life and still struggles to get by is a malignant vacuum for their personal tax dollars, and a blight on their lives as free Americans.

During the 2008–09 financial and real economic crisis • More than $4 trillion in pension values were destroyed. • Nearly 20 million workers went without jobs or income for months and years • 14 million families’ mortgages were foreclosed and lost their homes • The government and central bank, the Fed, bailed out the bankers and shadow bankers that caused the crash in the first place by providing them $5 to $10 trillion in free cash and subsidized loans at near zero interest—while the rest of the Main Street economy got lost homes, lost jobs, and lost income.7

You will find that I do business a bit differently from other loan officers. First, my wife and I have lived in Southern California for more than 18 years. In addition, with three children, we appreciate the importance of not overpaying on your home's mortgage. You have my commitment that I will get you the home loan that best meets your financial needs and I will make the process as stress-free, quick, and transparent as possible.

So Medtronic adjusted not only its marketing efforts, but also the services it provided to directly target potential patients. For example, in conjunction with local cardiologists, Medtronic organized heart-health screening clinics across the country—providing prospective patients with free, direct access to specialists and high-tech equipment without having to go through an overwhelmed GP first. The question of paying for a pacemaker and the attendant medical services was no small concern. So Medtronic created a loan program to help patients pay for the pacemaker procedure. The company initially assumed that patients might be drawn to loans that actually expired upon the patient’s death, so that they were not saddling the family with the burden of debt—the emotional and social component of their Job to Be Done. And, as the Medtronic team learned from patients themselves, that was what they often wanted. But friends and family wanted something different: they tended to rally around a patient to find the money necessary. In those cases, the patient was more likely simply to need a bridge loan until those funds could be gathered. Medtronic made sure that the loan process was not daunting for the family: a loan is typically approved within two days, requiring minimum paperwork and entailing no asset mortgage. The experience of navigating the complex web of health care in India could be overwhelming for both patients and their families. So the company began to work with local hospitals to create a patient counselor role, initially calling them “Sherpas,” that helped patients navigate the often mind-boggling bureaucracy of a hospital, keeping their procedure and aftercare as top priorities. The patient counselor role became so popular that hospitals asked if the company would allow patients obtaining pacemakers through traditional routes to seek assistance from a counselor, too. Seeing an opportunity to further identify Jobs to Be Done from within the hospital system, Medtronic jumped at the chance. “At the end of the day, we realized the role was such an important position, we adjusted the role. And we were OK with it,” Monson recalls. “It ingrained the value of that person into the entire hospital system, and thus our business model. And it made us the partner of choice. To me that was a clear example of hitting a Job to Be Done.” The first Medtronic pacemaker distributed through the Healthy Heart for All (HHFA) program in India was implanted in late 2010. Medtronic currently has partnerships with more than one hundred hospitals in thirty cities. India is considered to be one of the most high-potential growth markets for the company.

It is a deep irony that the era in which America is commonly thought of as leading the world in a market revolution saw its housing market become dependent on a government-sponsored mortgage machine descended from the New Deal.

The Free idea Policy from Government always fail and never works, if you give a home to someone for free you will never turn that person into a taxpayer nor a homeowner that takes care of and has pride for their home as they never knew what it took and the sacrifices made to have a mortgage and be a part of the American dream

In the mortgage business, is it wise to be a proponent of the free market? No. As the economy boomed after World War II, the United States government entered into the housing business. Post-War, U.S. housing policy backed home loans. When the government enters into any business, that business sector - its size, its shape, its construct, entrants into the business and business behavior overall - changes. Housing is no different. The Servicemen's Readjustment Act of 1944 - we know this to be the GI Bill - helped Veterans transition from soldier to citizen. A gateway to the middle class for countless U.S. Veterans was homeownership. Homeownership made possible through no-down payment VA loans. When speaking about the government’s role in housing, the Department of Housing and Urban Development comes to mind. HUD. HUD was formed in 1965. See low down payment FHA loans. With low down payments, there will be elevated levels of home purchases. Thanks in no small part to the low down payment. In terms of homeownership, countless Veterans - as well as those who benefit by obtaining an FHA loan - can and should acknowledge that the “free market” is not the reason they have been to benefit from homeownership. Government is the reason.