🚀 go-pugleaf

If you like the guy, your value system is all messed up....

"LUKE 1927" <Use-Author-Supplied-Address-Header@[127.1]> wrote in message 
news:afe22627515cad599da2f0a3ddb8d804@remailer.metacolo.com...
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> The Anti-Christian Atheists at Focks Sneuze sure do hate Obama's
> good reverend Jeremiah A. Wright, Jr. The more I hear him preach,
> the more I like him. Good, bible-thumping hellfire and brimstone
> *Christian* preachers like Jeremiah Wright help remind us fellow
> Theists that not all Americans are hard-line Antichrist Atheists.
> We may be a minority, but we're a growing minority, Praise Jesus!
>
> And Praises to Mercury the divine messenger, month of may toward
> gemini, birds in the air, middle east, oil prices will skyrocket,
> all prices through the roof! This is obviously VERY good news to
> Theists and is VERY bad news to Atheists. This makes me ecstatic,
> the coming spike in fossil fuel prices across-the-board is going
> to help tremendously in forcing Armageddon against the Atheists.
> Pray that their stock market falls absolutely through the floor.
> It's happening slowly already, but needs a "push" as in nuclear,
> anything to force the world's economy into wholesale extinction.
> Pray that potable water rapidly becomes more precious than gold!
>
> Thus I'm calling on all Theists to pray for the great escalation,
> pray for martial law, pray that all banks and markets are closed
> permanently, that all currencies of the world become effectively
> worthless in one solar day. Pray that all of their grocery store
> shelves are stripped bare. Pray for nuclear & biological warfare.
> Pray that America & her Anti-Christian Empire is Judged *exactly*
> as our LORD & Savior Jesus Christ said she will be. SO LET IT BE!
>
> Praise God! The Atheists can't stop the world from turning, from
> sunrise to sunrise, from sunset to sunset, the lake of Fire will
> soon cook hectic, and there is nowhere for the Atheists to hide,
> not even in the rocks of the earth, not even in their submarines,
> seeing the Rising tempest and the end of the world, seeing Death
> and Hell singing in universal concert. In abject desperation the
> Atheists will seek to "negotiate" with the Grim Reaper, but find
> their miserable pleas and funereal laments falling on deaf ears.
>
> These Atheists had refused to believe the Apocalyptic prophecies,
> thus they shall each one every one pay the ultimate price: waking
> up in Outer Darkness, Dark Limbo, afar off from the Light, seeing
> their long-slumbering CONSCIENCE and future Judgment staring back
> at them from across the impassable abyss in abject terror, afraid
> of the Light, more than scared to death, because they are already
> dead. It's the nightmare that the Atheists can't awaken from, nor
> escape to the Ages of the Ages. After all, it's their Just reward.
> The Atheists demanded "proof"? They are about to get it in SPADES!
> Friday December 21, 2012 anno Domini is 1741 days away & counting...
>
> Armageddon Cometh,
> Daniel Joseph Min
> http://www.angelfire.com/moon2/danieljosephmin/
>
>
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On Sun, 16 Mar 2008, "Jerry Okamura" <okamuraj005@hawaii.rr.com> wrote:
>If you like the guy, your value system is all messed up....

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Now that you put it that way, I most definitely *LOVE* the great
God-fearing Christian reverend, the bible-thumping, hellfire and
brimstone preacher, the brave & honorable Jeremiah A. Wright, Jr.

JW's like a father to me, my Christian brother in the tribulation.
If I could turn my white skin jet black, I'd do it in a heartbeat.

Say, wouldn't that be great if Obama's nationwide support actually
goes UP over the next few weeks? I mean, FNC, CNN, MSNBC et al are
beating this latest "Pastorgate" propaganda into the ground. Obama
should come right out and say he definitely agrees with and openly
supports most, not all, but most his dear friend Jeremiah Wright's
criticisms against the Anti-Christian Atheist U.S. Government, who
are indeed owned and controlled by "rich white" hard-line Atheists,
whom our LORD and Saviour Jesus Christ called the Whore of Babylon,
verily, the prostitute of the world for sale to the highest bidder.

Armageddon Cometh,
Daniel Joseph Min
http://www.angelfire.com/moon2/danieljosephmin/

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On Mar 16, 2:30 pm, Klansmen for Obama <KKK.V...@Obama.2008> wrote:
> On Sun, 16 Mar 2008, "Jerry Okamura" <okamuraj...@hawaii.rr.com> wrote:
> >If you like the guy, your value system is all messed up....
>
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>
> Now that you put it that way, I most definitely *LOVE* the great
> God-fearing Christian reverend, the bible-thumping, hellfire and
> brimstone preacher, the brave & honorable Jeremiah A. Wright, Jr.
>
> JW's like a father to me, my Christian brother in the tribulation.
> If I could turn my white skin jet black, I'd do it in a heartbeat.
>
> Say, wouldn't that be great if Obama's nationwide support actually
> goes UP over the next few weeks? I mean, FNC, CNN, MSNBC et al are
> beating this latest "Pastorgate" propaganda into the ground. Obama
> should come right out and say he definitely agrees with and openly
> supports most, not all, but most his dear friend Jeremiah Wright's
> criticisms against the Anti-Christian Atheist U.S. Government, who
> are indeed owned and controlled by "rich white" hard-line Atheists,
> whom our LORD and Saviour Jesus Christ called the Whore of Babylon,
> verily, the prostitute of the world for sale to the highest bidder.
>
> Armageddon Cometh,
> Daniel Joseph Minhttp://www.angelfire.com/moon2/danieljosephmin/

Hi Daniel, thanks!

How do you feel about underage drinking?

On Fri, 21 Mar 2008, Owen Gilmore <aogilmore@gmail.com> wrote:
>On Mar 16, 2:30=A0pm, Klansmen for Obama <KKK.V...@Obama.2008> wrote:
>> On Sun, 16 Mar 2008, "Jerry Okamura" <okamuraj...@hawaii.rr.com> wrote:
>> >If you like the guy, your value system is all messed up....
>>
>> Now that you put it that way, I most definitely *LOVE* the great
>> God-fearing Christian reverend, the bible-thumping, hellfire and
>> brimstone preacher, the brave & honorable Jeremiah A. Wright, Jr.
>> JW's like a father to me, my Christian brother in the tribulation.
>> If I could turn my white skin jet black, I'd do it in a heartbeat.
>> Say, wouldn't that be great if Obama's nationwide support actually
>> goes UP over the next few weeks? I mean, FNC, CNN, MSNBC et al are
>> beating this latest "Pastorgate" propaganda into the ground. Obama
>> should come right out and say he definitely agrees with and openly
>> supports most, not all, but most his dear friend Jeremiah Wright's
>> criticisms against the Anti-Christian Atheist U.S. Government, who
>> are indeed owned and controlled by "rich white" hard-line Atheists,
>> whom our LORD and Saviour Jesus Christ called the Whore of Babylon,
>> verily, the prostitute of the world for sale to the highest bidder.
>
>Hi Daniel, thanks!
>How do you feel about underage drinking?

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If that's a joke I missed it. I'll defer to Franklin (i.e.
the fellow on the C-note) who said "my opinion about this
matter is, I have no opinion", or something to that effect.

On a serious note, I lived in Marin County back in the 60s,
a couple dozen miles north of the Golden Gate, thereabouts.
Of course things were slightly different back in those days.
I think most will agree things have gone from bad to worse,
and as of late are getting worse exponentially. I only pray
for Armageddon because I know it clears the way for the Son
of Man to return with the Dark clouds, like the bible says.

Armageddon Cometh,
Daniel Joseph Min
http://www.angelfire.com/moon2/danieljosephmin/

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 Dunno if the article is meant to jerk a tear, but everybody in it
sounds ignorant or venal.  Including the non-English-speaking, ill-
educated protagonist who bought a house clearly beyond her means and
lost it:


'My House. My Dream. It Was All an Illusion.'
Latina's Loss in Va. Epitomizes Mortgage Crisis

By Brigid Schulte
Washington Post Staff Writer
  A01

Looking back, Glenda Ortiz can see she did everything wrong when she
bought her house in 2005. In fact, to understand the housing crisis
that has swept the country, one need only listen to the tale of the
Ortiz family.

She looked at only one house and paid too much for it: $430,000 for a
run-down, one-story duplex in Alexandria, triple what the house had
sold for the year before, and $5,000 more than the asking price,
according to real estate records.

She agreed to a high-interest loan that would cost her more than
$3,000 a month, more than 70 percent of the $4,200 that she and her
husband brought home monthly.

She signed papers in English that she didn't understand. One said she
was married to a man she didn't know.

She placed her financial future in the hands of a woman she barely
knew who sold cosmetics and jewelry door to door. She sought no one
else's advice.

Her loan application sailed through an originator and was accepted by
a mortgage company, both specializing in customers with "less than
ideal" credit.

And so, in August 2005, Glenda Ortiz, a cook at a Best Western who
lived in a cramped apartment in Arlington County, became a homeowner.
By last March, the home was in foreclosure. The loan originator and
mortgage company had gone out of business. And Ortiz was headed to
court.

"It was all a mistake. One hundred percent," Ortiz said recently in
Spanish. "I had such a burning desire to have my own house. I didn't
think about anything else."

Ortiz and her husband, an air conditioner installer, are examples of
what can happen when a hot real estate market collides with cheap
credit, lax lending standards and little oversight. No one is free
from blame in this tale.

Theirs is a story that Erick Gutierrez, housing director for the
Washington-based Latino Economic Development Corp., said is all too
familiar. Gutierrez blames the government for allowing so many
subprime loans, such as Ortiz's, which required no proof of income.
"You could say: 'You clean houses on weekends? Great!' And then put
down that they made $1,000 a week," he said.

But by then, real estate agents would have made their commissions,
mortgage brokers would have their closing costs, and the risky loans
would have been repackaged and sold to Wall Street. No one cared as
long as the housing market continued to boom.

According to the Center for Responsible Lending, 40 percent of loans
to Latinos are subprime, and it projects that one out of five of these
loans made in 2005 and 2006 will go into foreclosure.

"This is emblematic of people preying on their own and emblematic of
bad brokers, but also emblematic of legitimate financial institutions
either helping this happen or ignoring some facts so they can make a
lot of money," said Alys Cohen, an attorney with the National Consumer
Law Center. "The problem is the system and that no one cares until
Wall Street stops making money. And that's what's happening now."

* * *

Glenda Ortiz, 40, had been struggling for nine years, since the day
she fled Hurricane Mitch in Honduras and arrived in the United States
to find her "own little piece of soil." She dreamed that owning a home
would bring her scattered family together. She fantasized about being
able to bring home the daughter she'd left behind as an infant. "I
know her only from photographs," she said wistfully. "I wanted a
future for my family, for my children."

Ortiz, who speaks little English, said she didn't know much about the
U.S. banking system. So when a Mary Kay saleswoman, Maria Esperanza
Salgado, came to her door and said she could help her buy a house,
Ortiz said, she believed her.

Salgado had a business card with a blue Realtor logo identifying
herself as a "sales assistant" to real estate agent Jorge Aguilar.
Salgado is not licensed with the Virginia Real Estate Board. Aguilar
said Salgado "was a very good sales promoter." He said he paid her
$500 for every referral she brought him, although board regulations
prohibit paying commissions or referral fees to anyone but a licensed
real estate agent. Salgado said he gave her only "gifts." Aguilar said
Salgado no longer works for him.

When Ortiz protested that she and her husband didn't have good credit
and had only a few thousand dollars in savings, Ortiz said Salgado,
whom she had known for less than a year, promised to help her.

Ortiz said she and Salgado came up with a plan. They would buy the
house jointly, using Salgado's credit rating. Salgado also would pay
half of the $11,000 down payment. The agreement is spelled out in
court papers Ortiz has filed.

In a year, when the house had increased in value, as they assumed it
would in the hot market, Ortiz would refinance. Ortiz said they had
planned to take out $70,000 in equity, half of which she would pay
Salgado for her share of the down payment and for allowing Ortiz to
use her credit. Salgado would remove her name from the title, and
Ortiz would own the house outright, according to the court documents.

But on the day of the closing in August 2005, Salgado's brother Saul
Salgado Hernandez showed up to sign the papers. Ortiz said that she
was surprised but that she figured Salgado knew what she was doing.
She said she did not understand any of the papers in the thick stack
of documents that she signed, not even the one that said she and
Hernandez were married. "I signed the papers," she said. "I didn't
notice." She also discovered that the woman handling her mortgage was
Aguilar's wife.

Maria Salgado said she agreed to lend Ortiz the down payment money and
use her brother's credit to buy the house because Ortiz was her "best
friend."

"She wanted to buy a house. I wanted to help her," Salgado said. Her
own credit was not good enough to help Ortiz, but that of her brother,
a construction worker, was, she said.

"I asked my brother to help my best friend," Salgado said. She
confirmed that she and Ortiz had planned to remove Hernandez's name
from the title after one year. But Salgado said she did not agree to
refinance.

Joe DiSalvo, a mortgage broker with Continental Mortgage and
Investment Corp. in Arlington, reviewed Ortiz's housing documents at
the request of The Washington Post and found them loaded with junk
fees and an overpriced appraisal. The "excessive" closing costs, he
said, were upward of $10,000.

Blissfully unaware, Ortiz hung filmy white and maroon curtains in her
home on East Reed Avenue. She put photographs of her family and the
Sacred Heart of Jesus on the living room walls. She paid the mortgage
every month, sometimes selling jewelry, forgoing other bills or taking
out loans to do so. But she owned a home. She was happy.

So much so that she encouraged her niece Karla Ortiz to talk to
Salgado. In September 2006, Karla, a Honduran immigrant who cleans
houses for a living, was able to buy a half-million-dollar house in
Springfield, and she paid $10,000 more than the asking price. Because
her credit was poor, she used a friend's name and credit report on the
mortgage application. No one blinked an eye.

Karla Ortiz, 30, said she worried that the house cost more than she
could afford. Salgado maintains that she never showed houses to Karla
Ortiz or anyone else.

Ortiz borrowed $8,000 for a down payment from an acquaintance at 20
percent interest.

She made three $5,000 monthly mortgage payments before the home on
Middlesex Avenue went into foreclosure and her friend signed the house
over to their mortgage broker.

* * *

The end of Glenda Ortiz's dream came swiftly. By February 2007, she
and her husband couldn't pay the bills. Their power was about to be
shut off because they owed Dominion Virginia Power $1,185. The city of
Alexandria sent letters demanding the $7,215.88 they owed in property
taxes.

She fell behind on the mortgage.

The refinance scheme she had worked out with Salgado fell through. The
house had not appreciated as expected, and the bank would not help her
with a payment plan. Although her name was listed on the deed, she was
not listed as a borrower on the loan, records show. Ortiz said bank
officials told her that they didn't have the authority to negotiate
with her. When she called Hernandez for help, she said, he told her to
leave the home.

With the home in foreclosure, Hernandez's attorney sent Ortiz a letter
threatening legal action unless she turned it over to him as a gift.
"You have caused Saul much damage by ignoring your duties and by
taking advantage of his good faith," the letter read in Spanish. Maria
Salgado said she borrowed $21,000 from a friend to bring the mortgage
payments up to date because she didn't want to ruin her brother's
credit. "It was all my fault," she said. "Saul didn't know Glenda."

Ortiz sought out lawyer Howard Woodson for help. In October, he urged
her to sign an agreement to gift the house to Hernandez. Although she
refused and asked for a hearing, a Circuit Court judge ordered Ortiz
to gift the home to Hernandez. It includes a clause prohibiting Ortiz
from suing Salgado and Hernandez for fraud, according to court
records.

"My house. My dream. It was all an illusion," Ortiz said. She has
scraped the money together to hire a new lawyer and has filed an
appeal.

Hernandez, who sold the home in December for $380,000, according to
Alexandria property records, did not return several phone calls
seeking comment. His attorney, Don Haddock, said the judge's order
corrected the "erroneous" housing document to clarify that Hernandez
and Ortiz are not married.

"Is [what they did] illegal? I don't think it's illegal," Woodson
said. "But you've knowingly induced people to enter a bad agreement."

Aguilar said he saw nothing amiss in the transaction. Ortiz wanted a
house, and Hernandez wanted an investment.

"Everybody was fine. Everybody was happy. But now that the market's
gone down, everybody's got a problem and wants to blame it on the
realtor, saying we guided them to bad loans," he said. "Everybody's
blaming everybody else. But everyone contributed to the housing
bubble, the banks, the real estate agents, the appraisers. Everyone's
to blame."

* * *

Glenda Ortiz is again living in an apartment off Glebe Road in
Arlandria. She said she had become so depressed about losing her home
that she stopped working for more than a year.

The family photos are back on the walls, as is the Sacred Heart of
Jesus. Michael the Archangel sits atop the bookcase, little glasses of
beer set in front of him, "because he likes it." The TV blares Spanish
soap operas. It is not perfect here. It is not hers. But she's tired.
And it will do. "You think you're doing something right, and it turns
out all wrong," she said.

She no longer dreams of owning a home in America.