Stupidity Watch 1

     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...