TEAMBLOG

Dear Friends,

In everything we do, there is a space in time where our dreams and goals come to fruition after much sacrifice and patience. In my simple capacity to give sincere advice to those in need of comfort, I always strive to provide the best guidance by offering basic lessons in humility. Certainly, there are occasions where the path I seek for others is fully ignored by my sudden or temporary frailties of indecision I have in myself. It is only logical that I should embrace the methodical advice I give to those who seek my opinions. By so doing, I am expected to live under harmonious outcomes or by unforseen compelling circumstances. In Scripture, we are reminded of simple interactions where one's struggles in regards to character or integrity are explored by prevailing events throughout its passages.

In America today, the appointed time has come, where the future of this great nation is at a crossroads. Consequently, this current generation of Americans will either display its courage of convictions by upholding the values of personal responsibility, liberty and freedom or abrogate the entire ideals of democratic principles for the preservation of corrupt, arrogant and abusive voices. These powerful forces in government, media and business are seeking to transform a democracy towards a morally bereft experiment in socialism. This 'triumvirate' has demonstrated its abilities by rejecting the will of its citizens.

Health Care Dementia Continues

There are several issues currently under discussion which has permeated a vociferous debate in regards to the direction this country is headed. When the voices of a majority are heard and ignored by a recalcitrant power structure unwilling to heed the advice of concerned individuals, the consequences of such stubborn actions begins to engulf the energy of the nation. In efforts to stampede a 'health care reform' bill and utilize a rare and ubiquitous Senate maneuver by an oxymoron attempt of 'reconciliation', the grab for power and control of our lives is obvious. Americans are now in a fight to prevent an organized effort by government to intervene by fiat, in the private decisions one contemplates in choosing remedies to alleviate pain. The ability to choose a physician, a health procedure or medicine, will now have the hand of an uninvited presence. When exorbitant taxes are recommended to offset the voluminous higher costs of a superfluous attempt at 'reform', the contrived solution is worthless. The unintended 'reform' will in time cause more pain and suffering not just with the decline in service or quality of care, but in our pocketbooks. 

Notwithstanding, the distasteful approach by government in allowing abortion as a part of 'health care' is unthinkable. Abortion is not health care. The hard work and wages earned by Americans to pay for the destruction of life, in the newest attempt at transforming universal health care policies, are truly disturbing. There are efforts to have this legislation pass by both Houses of Congress during Easter week. How ironic it has become to set a goal of passage for legislation allowing our tax dollars to pay for a procedure where life is destroyed, to coincide with the celebration of life on Easter Day in the form of the Resurrection.

What more must Americans endure? 

It is no surprise to many, we are witnessing a complete lack of integrity and goodwill by the main power brokers elected to represent the interests of this nation. Indeed, health care reform is needed to help end sky rocketing costs. The solutions proposed by the majority party in Congress is tainted by the back room devices of bribery and corruption. This behavior is an illustration of the magnitude in which thoughts of distrust has permeated the culture to such an extent, civility is no longer regarded as respectable.

The day of reckoning is fast approaching. The appointed time when a nation collectively 'throws the bums out' has already started. When thoughtful and righteous advice is given by men of substance, one needs to sit up and take notice. Whatever happens during the next 8 months, the appointed time where the convergence of forces are reserved to change the destiny we are eager to embrace, this date has been set for November 9th, 2010.

New Pricing Policy

Please review our newest pricing policy, in effect since February 28th. We are committed to help our clients secure the lowest rates and fees on all mortgage transactions. Updates or changes to our policies will be posted once known. We encourage you to apply with MoneyTeam on your next Purchase or Refinance loan request. We are eager to hear from you! Please call our office at 323-936-3232 for more details. 

MoneyTeam WebSite Statistics

It gives me great pleasure to mention that our website is viewed by more persons than ever before! Our TeamBlog has created a tremendous amount of viewer traffic. While topics are diverse and at times do not incorporate the issues involving Real Estate or Mortgage Lending, one is compelled to use the bully pulpit to raise concerns in need of intelligent discussion. While there is a risk the views espoused might run contrary to those seeking a mortgage, one needs to appreciate the passion of one's convictions and the ability to communicate in a manner where contrivance is remote. We are living in challenging times. These weekly entries, helps me to provide a small window of opportunity where I can speak my mind and vent frustrations. In reviewing the latest statistics, it seems there are many readers, out of curiosity or of one accord, do indeed acknowledge a desire in accepting my approach towards life. I might be considered a curmudgeon by those that have reviewed my numerous entries or a passionate 'voice in the wilderness'. I am reminded the judgements of the public can be considered immaterial when one's heart is in the right place. I am humbled by the overwhelming response and will continue to provide a voice in a world where integrity is no longer a virtue to uphold.

Thanks Again

Dear Friends,

It seems every so often I'm lifted to a higher level of consciousness by the spiritual voices of sopranos. As I was driving around town I was enraptured by the sterling sound of majesty represented on this occasion by Leontyne Price. For various internal reasons, I've become an aficionado of such exquisite purity that I am able to leave behind the worries placed upon my shoulders and escape the transgressions of those eager to harm my natural optimistic disposition.

Certainly the times we are in do not bode well for one's emotional harmony and the brief visit of Leontyne's magnificent voice in 'Aida' while driving to the market for groceries, was a brief vacation in mental paradise. While my words can conjure mild effects of bloviation, I am sincere in my thoughts and know full well my excitement in appreciating the angels we seem to take for granted all around us. While driving around Los Angeles listening to sopranos is harmless to say the least, others might consider this a trifle eccentric and out of character for those who seem to know me well. The only response I have, is to blame my eccentricities on government, as this institution of incongruity has affected or has changed the direction in which I now seek enlightenment. By resisting the trials and tribulations of the present day, I have now engineered a pattern of exotic or unusual modes of pleasure in order to alleviate the stress and anxiety manufactured daily by those we've elected to represent 'our' interests.

In all seriousness, the chronic struggles Americans face with high unemployment, continued foreclosures, rising homelessness and financial ruin can be attributed to those members in government, on Wall Street and with the portrayal of bias by the main street media. Journalism has become entertainment to the delight of those paying its movie ticket. The days of documentaries as historically insightful as 'Harvest Of Shame' reported by none other than Edward R. Murrow in 1960, are no longer envisioned by a media where money is the main source of all integrity. When reading a newspaper or viewing a nightly news program, one has to 'read between the lines' and decipher the affinity of the reporter or 'newsreader' in an attempt to define a sense of impartiality. The truth is hidden among many layers and its obfuscation is due to financial concerns. This concerted effort to constrain the news due to its effect on its corporate sponsors, adds to the lack of trust in this medium. No wonder newspapers across the country, nightly news programs and news cable stations are losing readers and viewers at an alarming rate! While the economy, the advent of the internet or lower advertising rates are all factors, the penultimate simple reason is integrity. Having the truth originate in all media presentations, is a virtue worth embracing.

I would not be surprised in the following weeks through my roundabout travels, other sopranos as the venerable Maria Callas, Dame Joan Sutherland and Renee Fleming, will provide the inspiration and the brief lift to make one's day as delightful as a walk in a field of lilies. This day is fast approaching.

Please check Leontyne's Price amazing performance in 'Aida' on YouTube:

http://www.youtube.com/watch?v=fTuvi2IgFSk

 Additional Notes

We thank our clients for the success of our 'Share The Love Sale'. For those fortunate borrowers, love is in the air!

Please check our next TeamBlog where our new Pricing Policy and a discussion of current underwriting guidelines, the state of the mortgage industry and other forums will be explored.

Thanks Again

Dear Friends,

These past several days has seen a whirlwind of activity throughout the country. From celebrating Valentine's Day, President's Day, the newest Chinese New Year and Mardi Gras tomorrow, we as a nation are captivated and fascinated by the eagerness to escape the numerous problems we confront daily by our participation. For many of us this coming Ash Wednesday, we come full circle as the upcoming 40 days of reflection will provide days of fast and abstinence in a symbolic attempt to review the meaning of our lives and its direction. While we are given the profound ability to renew and contemplate our status in a nation where our sacrifices are yet to be appreciated by those powers oblivious to the obvious, we are content to know the inevitable will become reality in a few short months. When the majority of our representatives are awakened by the avalanche of derision, the full force of the American electorate will truly be known.

'Share The Love' Fee Sale

Please call our office at 323-936-3232 or apply online as our SALE ends this coming Wednesday, February 17th. Please check our website for more details.

MoneyTeam's New Pricing Policy

Please check our TeamBlog on Sunday, February 28th, where our newest Pricing Policy will take effect. MoneyTeam will do its part in lowering all fees and provide refunds on appraisals, processing and other closing costs to generate long lasting relationships with YOU and any of your family or friends you recommend to us.

'Lamentations'

Mortgage brokers have had a challenging time in keeping their doors open due to the numerous guidelines and restrictions imposed by the Federal government. These measures of control were implemented to end the tide of scandal and fraud as we've experienced as the result of 'sub-prime' loan originations. The Draconian controls by government intervention in this enterprise has favored banks to such an extent, there is the willingness to eliminate the influence of mortgage brokers in the marketplace altogether. This intervention by government will eventually harm the consumer as the rise in fees, mortgage rates, the lack of service and competition will occur in short order.

While it is true in any business concern there are parties that have unscrupulous methods in defrauding their clients, this cannot be said of numerous hardworking and integrity driven mortgage companies like ourselves. We are a 'Mom & Pop' mortgage company and our business is generated by referrals from our current and previous clients. It pains me greatly to be judged by the actions of a few. Perhaps the incompetence, corruption and greed of those we've elected to represent our interests to uphold the laws of this great nation, is the main basis for my frustration. I'm old enough to know there are forces at play in which companies such as ours are no longer afforded the balance or fair treatment once we've become accustomed to. In almost 21 years of originations in Southern California, we've had our ups and downs like most. However, I'm truly convinced MoneyTeam will be spared the wrecking ball, as our associations with all of our TeamMembers throughout the years has given us the sustenance to prevail during times of conflict such as these. We'll be around!  

'The Governor Has Arrived'

As promised, I will be discussing on a regular basis the issues which are creating the most conflict in California and the common sense solutions needed to avoid additional pain. Everyone in this State is suffering from the effects of financial irresponsibility and the inability of our lawmakers to comprehend its actions. We all need to have our voices heard before California transforms itself towards a banana ____________. You can fill in the blank.

'Mortgage Rates'

We've noticed rates have been going up these past few days. MoneyTeam offers up to 60 day locks. Please check our website for our current rates. The rates quoted on our website are for 15 day locks. Rates are higher for 30 and 60 day locks and also extensions. Please call our office at 323-936-3232 for more details.

Thanks Again   

Dear Friends,

The other day I came across Charles Krauthammers' weekly column where he mentioned a magazine blogger was thoroughly agitated by the failure of the American electorates' willingness to embrace the policies of the current administration. This blogger belittled the intelligence of Americans by stating we are 'a nation of dodos' and are just too 'dumb to thrive'. He might have been referencing the demise of 'health care reform' or the hesitant, cautious and patient review of legislation thoroughly scrutinized by open minded and intelligent Americans. Once reviewed in its entirety, most Americans have come to the conclusion the policies currently espoused by this government are surreptitiously designed to curtail one's liberties and freedoms. Whether the attributes and the consequences of additional tax increases, a burgeoning federal deficit, a worthless dollar, dubious attempts at 'health care reform', mounting foreclosures, chronic unemployment, incompetence in safeguarding its citizens from terrorists foreign and domestic and a renewed emphasis where the lives of the unborn are sacrificed for no apparent moral or virtuous reason, Americans are questioning the magnitude of a society where the foundations of its existence is reaching its nadir.

Since the election of a Republican to the Senate in Massachusetts just a few weeks ago, the entire philosophy of those seeking to impose government control over one's life, was soundly rejected. In as much as this is the 3rd major defeat of a Democrat in either a Governorship or a Senatorial seat to be gained by the opposition in a general election, most independent observers would agree attempts by the majority party for reconciliation or bipartisanship would be highly recommended. Unfortunately, the old tired and dispiriting mode of intransigence continues to hamper the public dialogue of contemporary issues as a weary nation seeks comfort from its mounting problems. There is no one to trust, there is no one that cares. Feelings of despair such as this reverberates in a society where integrity amongst our public servants is nowhere to be found. 

The 'Dodo' Recall

As a student in elementary school I was proud to have won the 6th grade spelling bee competition. I was awarded a Merriam-Webster dictionary. It was engraved with my name and I still have it in my possession, almost 45 years later. The vivid illustrations of various objects or animals along side its definition, was a highlight of this splendid book. I remember reviewing its contents and I was enraptured by a wonderful depiction of the 'dodo bird'! 

It's funny how events come full circle. I haven't thought of a 'dodo bird' in over 30 years! In researching the habitat of this harmless and selfless bird, we've come to know the 'dodo' lived on the island of Mauritius in the Indian Ocean. The 'dodo' was discovered by Portuguese sailors in 1507 and were made extinct 175 years later by the introduction of domesticated animals, cats, dogs, pigs and monkeys on this small island. The Europeans also killed and ate the birds but did not like the aftertaste as the 'dodo' meat was very tough to digest. The 'dodo' had no natural predators and did not have the ability to fly. All of these factors contributed to the rapid decline of the species. Even today there are no complete skeletal remains and the paintings of these creatures are 'exaggerations' of their normal weight and size.

The complete desecration and the eventual destruction of the 'dodo bird' is a true reminder of Darwin's 'survival of the fittest'. To juxtapose an eco-system of a small island where the 'dodo' thrived centuries before the infiltration of humans, to a modern society such as ours where individual members of a nation fight for survival, this is the profound dichotomy in which Americans seek redemption.

The 'dodo theory' of governance works quickly by disarming the electorate with charming promises of a 'chicken in every pot' only to be hoodwinked by a master plan where control of every aspect of one's life is the ultimate goal. Once the reins of power are handed to the office holders of the majority party, the savvy and swift utilization of its capabilities to influence the media and its business cohorts begins in earnest. The building of such momentum increases to such a level, where in a few short months the horror of invincibility begins to dwell on the conscience of those affected by the arrogant attributes and frailties of those in power. Most importantly however, is the passing of legislation designed to eradicate the ability of the free market system to flourish.

The 'Stimulus Bill' from last year along with the ongoing inept concept of a 'jobless recovery' with trilllion dollar budgets and similar sized deficits are all activities inspired by the 'dodo theory' of governance. A quick, measured and strong approach by government to transform the free market system towards a socialist European model where control of one's sovereignty, has become the fuel for all of its endeavours. In efforts by the current government to transform a nation from a democracy towards an alien concept of European socialism never known to exist in this country, is to unleash the fury of tradition by the silent and now vocal majority.

While the 'dodo bird' fought its extinction by the involvement and devolution of a pristine habitat by European settlers, we are mindful of the irony in which similar circumstances in theory can affect and have given thought to the current situation at hand, here in America. One can easily transpose the developments which created the extinction of the 'dodo' to the transformation of our society where our liberties and freedoms are jeopardized by the newest consortium of government, media and business interests eager to pull their weight in a scheme to control our destinies. If it took less than 2 centuries to eliminate the 'dodo', I can just imagine the amount of time it would take for the decimation of a democratic republic.

While the 'dodo bird' was considered dim witted for its benevolent disposition as there were no natural enemies to fight against, this pure and angelic pattern of existence was destroyed due to the direct and indirect result of the intervention of European settlers. It goes without saying the current crop of politicians in power, might just have the same tendencies.

Thanks Again  

Dear Friends,

Last Saturday, I was driving on the 405 North from Los Angeles to the Valley for an appointment, when I was delightfully reacquainted with a voice and a presence I have not visited in some time. The spirit of Montserrat Caballet, the gifted Spanish soprano filled my rental car with a profound and uplifting sense of bliss, that I was convinced and determined to surrender all of my internal doubts and fears to any struggle or obstacle which has created havoc in my otherwise natural optimistic disposition. I was truly delighted in the change of my composure towards a heavenly calm and comfort. Above all else the good Lord has made it possible for me to appreciate these travels of serendipity, which He allows as a remembrance of the goodness which continues to manifest in our lives. Pondering the financial nightmare of 2009, I have reenergized my survival abilities to remain steadfast when the entire world intensifies its incredulity on others, while the suffering of so many has giving credence in defining the basis of an oxymoron. Are we to believe the policies and the actions of those currently in power are genuine efforts to enrich, promote stability and to improve our lot in life? Or is the main incentive is to have government accumulate the mechanisms of control in every aspect of our lives? The consequences are obvious. The effects are never ending. The colloquial expression of 'The Fly in The Ointment' is heeded once again.

"A Catcher In The Rye"

With the passing of J.D. Salinger, I was again revisited by the haunts of Holden Caulfield, a young man battling the demons of a life headed towards unfulfillment in the classic 1951 novel, "A Catcher In The Rye". I remember reading this book as an undergraduate and the themes of alienation, insecurity and the 'phoniness' which exists and continues to permeate in today's society. Plainly speaking, the betrayal of government, the financial sector and the media to foster and enrich Americans with a semblance of genuine character and sincerity in its dealings with the public, has stirred the hornets nest in a chorus heard around the country. It is ironic that in Massachusetts, where so many years has passed since the Boston Tea Party began the march towards Independence from the tyranny of King George, the election of a Republican on January 12th, has halted the slide towards perdition. Due to the courageous citizens in this Commonwealth, we are now hearing voices of contrived humility and forgiveness from 'phony' politicians eager to manipulate and twist the message of a disgruntled electorate by enveloping its contents as their own. This measure of false integrity is the highlight of a campaign to save their bloated posteriors! While Holden Caulfield, our protagonist, encounters the depths of human frailties in various circumstances, we too are involved in scenes where the control of our lives has become a difficult undertaking. This is the year where the majority of Americans through the suffering of so many injustices have awakened to the refrain of "Throw The Bums Out" whether they be Democrats or Republicans. The continued financial ruin with its deleterious consequences on families, small businesses and the health of our society in general, begs for the end of a chapter in a 'novel' where Americans are unwilling participants.

The health care debate has opened up the true predilections of major players in our government, as incompetence, greed and corruption has become a sideshow of contempt for many caring Americans. In disbelief, we are witnessing vulgar attempts of corruption by those in power with offers of millions in guarantees and favor to those representatives willing to forego their fiduciary duties by accepting bribes to vote for legislation unworthy of passage or debate. Secret negotiations to hide the provisions of legislation where its recommendations of higher taxes, the approval of abortion as 'health care' and the complete takeover of one's ability to choose or to keep their current insurance provider, these factors among others has elevated this discussion to a level in which a majority of Americans are disgusted and reject the arrogant intrusion of government in their ability to make a sound decision in their own right.

"Health Care Dementia"

We have come to know the characters in this God-awful television show where Americans are exhausted with the dementia attributed to a good portion of the representatives we have entrusted to represent our interests. While this melodrama continues unscripted to the detriment of those viewers eager to see its conclusion, many Americans are delighted the termination of this endeavor has either been postponed for the foreseeable future or has been canceled altogether as a result of the activities in Massachusetts. The Emmy for the best and worst performance of humility or of speaking in a manner worthy of a contortionist is still under consideration not by the members of the Academy, but by the American public. Certainly 'Health Care Dementia' has run its course and is not worthy of reruns, but only after a new cast of characters chosen by its concerned viewers. Auditions will take place throughout the year and in November the new cast will be selected and be seated in January of 2011, thanks to the ultimate wisdom and patience of the American people.

I am content to know that I have the ability to pen my views, to 'vent' my frustrations on abuses which need to be exposed. Listening to the pure and angelic voice of Montserrat helps to provide the peace and the comfort in a world where disappointments and frustrations are many. If only Holden could hear the majesty of her performance in 'Lucrezia Borga', life once again would be worth living! 

Your invite to view Montserrat Caballet in 'Lucrezia Borgia'

http://www.youtube.com/watch?v=DkNrTaRNbsg

The Devastation In Haiti

As you have been made aware, an earthquake of 7.0 magnitude struck Haiti on Tuesday, January 12th. As of this writing, over 150,000 of its inhabitants have lost their lives. The devastation is widespread and its destruction is of biblical proportions. We encourage donations of any amount to help those in need of food, shelter and clothing. Our prayers are resolute and we ask the good Lord to help during this time of immense tragedy. Please visit the Catholic Relief Services (CRS) website, www.crs.org for instructions on how you can donate to this worthy humanitarian effort.

Upcoming TeamBlogs In February

We will be discussing our newest Pricing Policy where savings in loan fees will be the ultimate focus in all of our loan originations this coming year.

Our February 'Share The Love' Mortgage Sale will begin on Monday, the 1st. 

There have been many underwriting guideline changes on all loan requests as of January 1st. We hope to provide the information you need in order to be prepared.

"The Governor Has Arrived" is a new feature in which we'll discuss the sustaining will of those seeking to dilute our liberties and freedoms. Offering solutions to end these abuses by gathering the spirit and the 'wisdom of Solomon' is the ultimate reward.

Thanks Again