Stupidity Watch 1

     The trifecta of intolerance is racism, prejudice, and bigotry, but if you're even one of them you are morally reprehensible. Everyone is supposed to agree on that, right? But people stand by and allow bigotry, prejudice and racism to go unchecked, and there are others who endorse them because they're also bigots.      Racism is easy to understand, racism is being prejudiced against somebody because of their race, or color of their skin, prejudice is the broader term that encompasses all other reasons to be nasty to any identifiable group, say due to sexual orientation or religion, and a bigot is, "a person who is obstinately or unreasonably attached to a belief, opinion, or faction, especially one who is prejudiced against or antagonistic toward a person or people on the basis of their membership of a particular group."      Simply being born in another country exposes a person to the culture, morals and religions of that country, and to...

     As Thanksgiving approaches, millions of Americans may notice that their Democrat relatives have been acting strangely for the last few years, and many may avoid Thanksgiving entirely with their non-Democrat relatives, because Democrats have nothing to be thankful for, and they have been brainwashed by a cult called the Democrat Party.  If Democrats do attend Thanksgiving with their non-Democrat relatives there is a high likelihood that they will call anyone that is not a Democrat a conservative, a Republican, or a racist, after claiming that systemic racism exists in the United States, and they will often cite reasons for this based on Russian propaganda (see the article Pawns For Putin ).  Let's examine some of the common claims of systemic racism used by Democrats.      Many people say that redlining was racist, that redlined districts were created around black people to segregate them from whites, and that redlining meant that black peopl...

     I was a loan officer and then a document specialist before the collapse of the mortgage industry in 2008. I worked for a mortgage broker and direct lender called New West Funding. To become a loan officer I had to sit through 8 hours of ethics videos most of which were saying, "Even if you can, and it would make you more money, don't charge a higher interest rate."      I take ethics seriously, so I never wrote a loan for any adjustable rate mortgages or ARMs shorter than 7 years. Our company offered three and five year ARMs, but when I was asked about ARMs by customers I told everybody the same story. I said, "Half of all people in California stay in their homes for 7 years or less, if that's you, we can consider a seven or ten year adjustable rate mortgage, versus a 15 or 30-year fixed rate mortgage." Then I would run the numbers on the shorter adjustable rate mortgages and some hypotheticals for the interest rate rising, and ask if they could affo...

     The United States has a unique cultural history involving African Americans and their reticence to be involved with the medical system. It has a lot to do with something that is commonly called, "The Tuskegee Experiment," run by the US Public Health Service. If you don't know about it already, at the historic black Tuskegee University in 1932 they recruited 600 black sharecroppers from Macon Alabama, 399 of which had latent syphilis, and 201 were the control group. The doctors did not actually treat them for their STD, the doctors allowed the syphilis to run unchecked, and allowed it to spread to their wives, their children, and when their children grew up, they allowed the disease to spread to their husbands and wives, and to their children as well.      The doctors claimed that they were providing free medical care and free burials for the black sharecroppers and their families, but only placebos were ever offered, even when penicillin came out an...

Pawns For Putin The United States has spent the last 20 years building a ring of anti-missile facilities around Russia and the former Soviet Union to stop Russia’s ability to launch nuclear intercontinental ballistic missiles or ICBMs at the United States, the beginnings of the ring were just to contain Iran and North Korea, but when the ring is finished in the near future even Russia should no longer be a nuclear threat to the United States.  A handful of countries have ICBM defense systems, but they are mostly all based within the countries except for Russia who also has the remnants of the Soviet defense system.  We have missile defense systems on the U.S. mainland like other countries, but we also have the ring of defense systems built closer to the countries in Asia that concern us, which gives us two lines of defense, and we are separated from all of our potential nuclear threats by the Atlantic, Pacific, and Arctic Oceans which gives us more time to react and make mul...