War On America Is Here!

Perhaps our citizens are waiting for the news to flash a headline that we’ve been invaded by a terrorist group and their location is X and their numbers are X and they are armed with X and their intent is X. Unfortunately, as a result of many only willing to recognize such an act as a genuine threat on our freedoms, many will not act in spite of a very real, more subtle, strategic and deadly war brought within our borders.

There are over eight thousand Americans being killed every year by this infiltration.

I believe that some serious education is necessary for American citizens so that they can rationally and logically see this situation for what it is.

For the record, I wholeheartedly embrace any foreign immigrants who come to our nation—legally. I love their input and talents which are so different from the norm. However, tolerance for illegal acts by illegal immigrants is costing our nation everything we hold dear. Consequently, I have no tolerance for the initial and subsequent illegal acts that stem from the vast amount of illegal aliens. Why? Because when they come here illegally, an enormous domino effect occurs which drastically compromises the freedoms and liberties which so many have paid for financially and with their lives.

Here are the facts:
- Illegal aliens have already proven themselves to be unprofitable citizens to our nation as they begin the relationship with the U.S. on a note deception ie: breaking the law to enter our country. Based on conservative studies, over 60% of all violent crimes are committed by illegal immigrants. SIXTY PERCENT! Imagine 60% less rape, murder, assault crimes happening if illegal immigrants were unable to enter this country. Does that chip away at your freedom?

- Many illegal aliens, including terrorists, use the fairness of our justice system to abuse U.S. citizens. Case in point, illegal aliens have successfully sued a rancher in Arizona for “abuse” because he caught them and held them at gun point for illegally crossing the border onto his land.
In addition to that, the property of Casey Nethercott now belongs to illegal aliens. It was SEIZED by the U.S. Government and given to two illegal immigrants from El Salvador and Mr. Nethercott is in JAIL! See this site for additional information: http://www.debbieschlussel.com/archives/2009/02/illegal_alien_l.html
The freedom of American citizens is now being compromised as a result of the dollar signs that legal activists groups seek to gain is using our court system to assist illegal immigrants.

- Illegal aliens are now costing the state of California over $9 billion a year to care for. They continue to cost other key states billions of dollars per year as well. Do you think that your tax costs go up and up simply because of inflation? Think again. They go up because of our non-existence borders and unenforced laws. Do you have a say about how your tax dollars are spent and when they increase and by how much? No. How’s that for freedom and liberty from tyrants?

- Over 90% of all illegal drugs are brought into this nation by illegal immigrants! 90%!!!

- Legal immigrants are screened for contagious diseases. Illegal immigrants obviously are not. In spite of many plagues having been eradicated since the 1940’s and 1950’s malaria, dengue, leprosy, hepatitis A-E, chagas disease, and a deadly multi-drug resistance form of tuberculosis cases have been discovered in record numbers in CA, AZ, TX, FL, and NJ and NY! In fact, the majority of these diseases are being found present in illegal aliens. (see more information at http://www.usillegalaliens.com/impacts_of_illegal_immigration_diseases.html)
Not only do these diseases cost lives, but they also increase our health spending in the U.S. to treat those who come in contact with the disease, the cost of uninsured, and the cost to properly staff health practitioners in order to properly take on this infiltration pandemic. It is an absolute MYTH to say that the illegal immigrants take on jobs that American Citizens do not. The jobs are not the problem. The pay is the problem. And why is the pay so low? Because there are so many willing illegal immigrants willing to work for it. It’s a manifestation of supply and demand. So don’t blame this on the American work ethic. Assign appropriate blame and encouragement of terrorism to the companies that willingly engage in such activities. Does this affect the freedom of American Citizens and their right to pursue life, liberty, and the pursuit of happiness? Absolutely.

- Over $155 billion a year is spent on the care, (there are well over 11 million uninsured illegal aliens in our nation) education, safety, public services, such as libraries, etc.) and welfare of illegal immigrants or their family members here in the U.S. Over $45 billion a year is NOT in circulation in the U.S. because it is sent to the homelands of the illegal immigrants. And finally, it is estimated that over $2 billion in tax dollars are not collected due to cash paid day laborers and other tax avoidance issues practiced by illegal immigrants and their aids.

- The fact that illegal migrant families may be split up due to deportation is not a reason NOT to enforce the law. If my father had robbed a bank and then used that money to support and sustain me, is that reason enough not to deport him? NO. Just because he’s my father? NO. And yet we hear this excuse repeatedly as reasons why less deportation is utilized against illegals.

- California is just one example, but it recently announced that it was going to release as many as 57,000 prisoners over the next 3 years. How many of the CA inmates do you think are illegal immigrants? Overcrowding in prisons is a problem in every single one of our states. Your tax dollars pay for the incarcerations of prisoners. And now California is setting the precedence that your neighborhoods will now be less safe because illegal immigrants are overcrowding the prisons! Let’s be mindful as well that some of those who will be released are indeed illegal immigrants. So now we have them scorning our laws in the first place, being found guilty of scorning them yet again, and now we’re not going to deport them. We’re going to let them go freely.

- Our schools are overcrowded, not only with illegal immigrants themselves, but also with children of illegal immigrants. As a result the education of your children is being compromised. States are not able to pay teachers what they are worth because they instead struggle with the overcrowding problems, costs of free school lunches, having to accommodate the language pediment which may be a impediment, etc.

- We are not being “un-Christian” in deporting these citizens. The scriptures are replete with examples of consequences which will always follow actions of error. And the scriptures likewise promise dire consequences to us if we fritter away this wonderful land we’ve been given as a result of ignoring the value of the freedoms we have. How can we show we value our freedoms if we’re willing to let others trample on them so abundantly?

- Finally, we are losing too many lives to the lawlessness of illegal aliens. We went to war because 2,998 people were killed in the 9/11 attacks. As a result we’ve lost over 4,000 soldiers in our war on Iraq. And yet there are 12 U.S. Citizens dying every day at the hands of an illegal alien! That’s over 4,300 murders EVERY YEAR (no other violent crimes) and fruitful lives of our citizens are lost every day as a result of the blind eye we have towards enforcing illegal immigration! 13 people are killed every day at the hand of illegal alien drivers. That’s over 4,700 American killed EVERY YEAR. Yet no war has been declared against this terrorist act! 8 American children are victims of sexual crimes committed by illegal immigrants EVERY DAY! That’s over 2,900 annually! Of the illegal aliens that have been the subject of incarceration studies it was discovered that illegal immigrants who were in jail had been arrested an average of EIGHT TIMES with an average of THIRTEEN offenses each!

It’s one thing to look at this problem in on small portion at a time. But when you see the big picture, perhaps you can better realize just how serious of a problem it is. Let’s open our borders widely to legal, contributing citizens. The cost otherwise is just too great!

Please, please, please take this seriously. Please have your voice heard by your public officials at all levels. We don’t need to resort to a Boston Tea Party kind of act or violence of any kind. We simply need to pummel the lawmakers with what’s on our minds in this regard. They truly think we are apathetic, that we aren’t paying attention or that we won’t ever notice or organize ourselves to make a difference.

No, I’m not going to give you some kind of a electronic petition to sign and to forward on. You’ve got to take this country back with your own heart and mind. Blood has been spilt for the freedoms we still enjoy. Taking some time to communicate sincere thoughts is the least we can do in their honor and in honor of our generations to come. This is too great of a country for us to just give away in this manner.


Copyright 2009 Kellene Bishop. All rights reserved. You are welcome to repost this information so long as it is credited to Kellene Bishop.

Why the Stimulus Package Works!

I think that the stimulus package is a GREAT idea. I think it just may stimulate a wealth of what this nation needs the most of right now…ACTION.

If you had been caught up in a natural disaster and went to the gas pump to purchase fuel only to find that the prices had been jacked up to $10 a gallon, surely you would take action right? You would call the authorities. You would demand that things be made right, right?

Then why are so many of our American citizens allowing for the same price gauging behavior now in the midst of this economic crisis?!

1100 pages of a bill that no one has read and yet our so-called leaders have voted for on our behalf. Really? On our behalf? Was it in our behalf that the gas station jacked up its price to $10 a gallon? No. It was opportunistic politicking. And it’s very much like price guaging.

So many citizens are in a panic mode. They are understandably demanding action. And as a result of our vulnerable pain and concern our political leaders who were voted into office to serve our needs are using such a dire situation to orchestrate their continued role of power and the charade of serving their fellowmen.

And since no one read the 1100 pages of a spending bill, we’re now hearing that there may need to be yet another spending bill to fill in the gaps!

The American people did not cry out for a bill to fix roads, IRS administrative costs, or STD prevention. I’m sorry. This may sound crass here. But why in the world should my children, grandchildren, and great-grandchildren have to be indebted with a tax burden just because someone can’t take time to use a condom or to manage their hormones?!

They NEED jobs and tax relief! And yet only 12 cents of every dollar we are burdened with in the form of taxes will even go to that end.

If these facts don’t bring you to take action to reclaim your freedom and dignity, then I’m not sure what will. You wouldn’t suffer yourself to endure such indignity of a price gauging at a gas station. Surely you will not stand for something so much worse!

I hope that this stimulus bill creates action on the part of our American citizens, as we’ve had a dearth of such action since the Regan era of capitalism. This bill is a prison sentence to generations upon generations. This bill certainly won’t create jobs. It will make some cronies wealthy, I’m sure. But no government can create jobs for a free people and have them continue to be free. Only we can truly be responsible for our living, our debts, and our future and still have freedom.

Copyright 2009 Kellene Bishop. All rights reserved. You are welcome to repost this information so long as it is credited to Kellene Bishop.

Bail Out Means…

When we used to hear the words “bail out” we would usually associate it with a sentence like, “I just had to bail out my crack addict cousin from jail.” I find myself wondering if it isn’t a coincidence that such a pairing of words is considered appropriate for what we find being implemented by our government today.

Based on the information that we’ve been fed by the media, yes, I believe it was a crime what Bernie Madoff did to his investors. Clearly he was derelict in his duties. However, I’m wondering why Madoff is a criminal and yet the heads of Goldman Sachs, AIG, Countrywide, and so many others aren’t considered a member of the criminal league? While Madoff is accused of abusing $50 billion, Goldman Sachs, AIG and others are truly guilty of abusing significantly more! And yet there are no criminal charges brought against these leaders. Were these professionals derelict in their duties? Yes. Were they apathetic towards their handling of others money? Yes. In such a world that we live in, there’s simply no excuse NOT to make money with so much money. Madoff was an idiot not to have succeeded in making a return on investments of over $50 billion as are the heads of so many of these Wall Street companies and banks. Yes, indeed these criminals are being bailed out at the expense of the honest tax paying citizens of this nation. And all for naught. Think about it. Does the bailout for these banks and investment companies do any good financially? I mean really! Does anyone think that once the nation has seen how such companies mismanage funds that any sane person is really going to trust these same companies with their retirement money? This bail out is as insane as throwing money at the Diamond Pet Food company who poisoned so many pets due to dereliction and apathy just so that they could recover from the financial hardship such an error created! Hey, while were at it, let’s go back in time and bailout all of the dot com companies that caused such a financial hardship for so many investors!

Of course we have politicians in favor of such payouts. Apparently many of them have a problem even acknowledging that such monies are coming from their tax dollars as many of them have not even paid their taxes!

General Motors and Chrysler just received a portion of this criminal action reward in the form of billions of dollars. Even more ridiculous is that these companies are already anticipating failure in spite of such a bail out, as they are already projecting a need for another $14 billion! I’m sorry. Would that kind of strategy work for any homeowner in the U.S. today? “Hey. I know you just gave me a loan of $1 million for a home I can’t currently afford. So in order to make up for the shortfall I need to borrow another $2 million.”

Here’s the even more insane aspect of this bailout. General Motors and Chrysler can STILL declare bankruptcy somewhere down the road and the American taxpayers will never be paid back. And yet the American people do not have the luxury of declaring bankruptcy as a result of our tax burden. Nope. You can file bankruptcy and be relieved of debt for everyone else in the world except the U.S. Government. You don’t pay them. You go to jail.

Perhaps if these automakers didn’t promote aggressive price haggling and foreign outsourcing of some of their production process they could have enjoyed more long-term customer loyalty. While I did not get the opportunity to vote against my tax dollars being used in such a criminally insane manner, I can vote now. And so should you. I intend to “vote” by solely rewarding automakers who are fiscally responsible with their companies. If money can be handled so haphazardly by these automakers, then I can’t help but wonder how conscientious these same automakers are in making my vehicle safe enough to transport my family in. I vote no more GM or Chrysler. If GM and Chrysler are willing to sell their soul to the devil (ie: government control in exchange for the money they received) then what are they willing to sell my safety for?

Does failure really deserve a reward such as those given on the backs of the taxpayers? In that case, perhaps the British should still rule our nation. NOT!

Copyright 2009 Kellene Bishop. All rights reserved. You are welcome to repost this information so long as it is credited to Kellene Bishop.

Stated Income Loans…I told you so

I’ve read several stories today in the news of “victims” of foreclosure as a result of taking on mortgage loans that could not be paid for. As a longtime expert in this residential industry, I’d like to pull back the curtain on part of the problem so that you can better understand what goes on behind the scenes. How do these loans get originated in the first place? Who’s to blame?

First of all, allow me to say that there are at least 3 guilty parties in the origination of such loans. The ones that are the most common are known as “stated income loans.” Mind you that such loans are very, very difficult to come by now, but prior to the meltdown an individual who had a high enough score was able to merely “state” their income instead of providing tax returns, bank statements etc, and be approved for financing.

The initial problem was with the lenders themselves though. For example, the stated income program was originally created to be less burdensome to self-employed income earners. However, in their greed, lenders began to make such programs available to wage earners who could easily manifest pay stubs instead of stating their income, as well as fixed income earners, who could easily manifest their awards letters. Should either of these income groups also be self-employed, I see this stated program as an asset. However, if the borrower was merely a wage earner or living on fixed income, the approval of such borrowers on a stated income program was ripe for fraud.

As a wholesale account representative and as the owner of a retail loan origination business, I took a lot of flack from my clients (other residential mortgage brokers) and my own employees (licensed mortgage brokers) when I took the hard line stance that I would not approve or accept any stated income loans in which I knew the income stated was to be fraudulent, unreasonable, or just plain wrong. Too many times I heard the so-called professionals in my business call these “liar loans.” I would always retort that stated income loans were for one purpose and one purpose only—to eliminate the hassle of manifesting all of the documentation that would support the claimed income. Too often I had submissions from residential loan officers without any income stated whatsoever. Their plan being that as the wholesale account rep, I would join them in their fraudulent actions and tell them what the stated income amount needed to be in order to get their loan approved. Instead I would turn down the loan or approve it as a “No Documentation” loan which would carry with it a higher interest rate due to the higher risk. I would often tell the brokers “it’s called a stated income loan because the income is supposed to be STATED…not made up, not fabricated, not estimated." It’s to be a statement of fact.

In most cases I either lost the deals in my wholesale days because of this stance, or the broker would get wise and never send me a blank loan application again, ensuring that the income was “properly stated.” On one deal in particular with a broker...we'll call him Brian, who now owns a commercial loan origination company out of TX, swore up and down to me that his client really made the income she stated on the loan application. Unfortunately, not only did this woman not make the money stated on the application, but she missed her very first mortgage payment to our company and claimed that she had never stated any such income on her loan application. (Ironically, this same "Brian" spent time in jail shortly after this incidence for manslaughter (in MO) as he killed someone while driving drunk—in spite of the fact that his license was suspended due to other DUI violations. Guess when you break one law without the consideration of consequences, it’s easy to break others).

I lost many residential loan officers at my retail operation as well because of this. When the loan officer couldn’t get a “stated” loan approved in my shop because I turned it down from being submitted due to overinflated income, inevitably some wholesale account reps would tell my loan officers where they could work elsewhere for a less “unreasonable” person and get the deal through with no problem. Individuals who worked for me saw no problem finding the right people to work for who would look the other way and provide such perilous funding in spite of the facts. The deception was they were such nice and enjoyable people to work with otherwise. They simply saw no problem in falsifying the income in order to obtain the largest amount of financing their borrower would ever be responsible for.

While this blog may sound unintentionally bitter, it is as a result of the headlines and news stories I read today. The domino effect of so many of these “liar loans” being put into market is so huge today that there’s no longer any refuge for these individuals who would commit the crime in the first place of lying about income. Plus, there’s no respite for those homeowners who would take on a loan for a mortgage that they could not pay. Fortunately for the homeowners, it looks as if there is enough dirt on the hands of the lenders that many may end up getting out of foreclosure proceedings in spite of their illegal applications. Unfortunately, the big picture is as a result of the nefarious actions of many an entire nation now suffers an economic collapse of historical proportions.

The little acts of deception do add up folks. And in this instance it’s crumbling our entire nation financially. I believe in “opposition in all things.” If the little bits of deception add up, then certainly can’t the minor acts of honesty, heroism, and proactive efforts for good? I certainly hope so. In fact, I’m banking on it.

Copyright 2009 Kellene Bishop. All rights reserved. You are welcome to repost this information so long as it is credited to Kellene Bishop.

New Number One Killer in America

I’ve recently read several studies which claim that heart disease and cancer are the number 2 causes of death in the United States. Unfortunately both of these numbers have not earned their respective positions as the number one and number two killer in the U.S.

The Institute of Medicine brought the travesty of the killings of American citizens to light. In the 1999 report To Err is Human: Building a Safer Health System put the annual death toll due to hospital care 44,000 to 98,000. However, other reports including on study published by Jama put the deaths at 225,000! Dr. Milt Hammerly MD assesses the annual body count at 204,000-301,000 killed by medical treatment each year. In other words, medical malpractice kills more American citizens each year than does heart disease or cancer.

Based on the fact that most institutions under-report their errors, Hammerly believes his estimate may be conservative. The high end estimate, developed in a 2003 report led by long-time nutrition-activist Gary Null, PhD, concludes that the annual mortalities due to medical intervention are between 783,000 and 999,000. The report, based on compilations of published studies of others (in addition to those in the JAMA article), concludes that medical intervention is the Nation's #1 killer.

Only half of NHS trusts fully comply with all the safety standards that they are expected to meet, and they do not always have effective systems in place to understand risk, properly report incidents or learn from them, the commission said.

Do you wonder why these deadly incidences aren’t improved? It comes down to good old fashioned ego.

Undoubtedly the healthcare industry hasn't been able to respond as swiftly to this problem as the airline industry did when it was confronted with serious problems two decades ago. The reason is a common scenario in which a pharmacist, or a nurse, notices something problematic in a patient's chart or prescription history. When one suggests a change, "the doctor gets huffy, indignant that the nurse or pharmacist is moving into his authority area."

In 2003, approximately $40 billion was spent on homeland security to prevent another terrorist attack like 9/11. If even a fraction of this effort had been spent on reducing preventable medical errors in hospitals the outcome would be monumental. The reality is that there has been no national collective will to change the deadly statistics. According to the follow-up 2005 IOM report, there has been little change in reducing preventable hospital tragedies since the 1999 IOM report. Why isn’t more done by oversight organizations to alter this deadly path? Money and denial.

Given the state of the economy at present, no doubt if hospitals were required to implement certain safety and management procedures additional costs would be involved. This would undoubtedly lead to the healthcare industry requesting their own bail out money. Yes, once again we have a situation of “we’ve screwed up, so can you pay us to undo our mess?” On the other hand there is a sizeable force of experts who continually claim that such a problem is not significant enough to require sweeping changes to the industry. Apparently they deem the number of deaths in ratio to the number of patients treated as a tolerable status.

Funny. You hear of one single solitary death as the result of someone misusing a gun and all of the 2nd Amendment Haters start opening their mouths and their pocket books to fight against Americans using firearms to protect themselves. (There are a total of 1500 accidental gun related deaths each year) And yet these same haters would leave us helpless and subject to the evident lack of expertise and integrity in the medical industry. In the meantime, malpractice insurance rates go up, so medical care costs go up in an effort offset the costs, and our insurance costs go up to prohibitively large premiums. And yet so much could be avoided if more professionals focused on mastering their chosen craft.

You have the right to protect yourself from all harm. If any medical advice to you doesn’t sound right, clear, or logical then ask for clarification or second opinions. Just because the doctor only planned on spending two minutes with you doesn’t mean that’s all you’re entitled to.

Copyright 2009 Kellene Bishop. All rights reserved. You are welcome to repost this information so long as it is credited to Kellene Bishop.