Category Archives: Common Sense

The Truth About Dodd-Frank

home_4_saleThe DoddFrank Wall Street Reform and Consumer Protection Act is essentially a collection of federal regulations aimed at financial institutions and their customers. It was supposedly implemented to prevent the recurrence of events that caused the 2008 financial crisis and was passed by the Obama administration in 2010.

The 2007-2008 recession resulted in a worldwide financial meltdown and a $700 billion taxpayer-funded bailout.  The need for some common-sense financial reforms seemed evident. However is that what Dodd-Frank really was?  What actually did cause the “Sub-Prime” mortgage bubble which led to this financial crisis?

That real facts are that President Clinton’s  HUD Secretary, Henry Cisneros, discovered that  a statistical difference existed between the granting of mortgages to black borrowers and white borrowers by banks. Ignoring differences in important contributing factors such as population numbers, income levels and the ability to repay these mortgage loans, Cisneros decreed that mortgage granting rates between black borrowers and white borrowers should be the same, meaning for every white home buyer granted a mortgage, they must also grant a black home buyer a mortgage. The fallacy of this decree is clear on its face. A truly non-discriminatory mortgage process would base mortgage approvals specifically on the borrower’s ability to repay the mortgage and not on race, creed, religion, sexual orientation or whatever.  That would be a true non-discriminatory process.  Banks resisted this idiotic decree, however Cisneros was backed up by Attorney General Reno who threatened nonconforming banks with FBI investigations. Banks were forced to approve “Sub-Prime” mortgages for borrowers who had no realistic means of repaying the mortgage. The result? Most of these mortgages became worthless paper. The result of these bad mortgages was recession world-wide. Henry Cisneros’ policy is a prime example of government over-reach and manipulation of economic policy for political gain … also know as Progressive justice.

Democrats badly needed a diversion to muddy the waters … to give their lap-dog media something to spin on their behalf! They needed to be seen to be doing something to “correct” the problem.  Enter Dodd-Frank!  But what Dodd-Frank actually did was act as a smoke screen to cover up the Democrat’s responsibility for the 2007-2008 recession.

The really sad thing is that the Obama administration did not learn from Henry Cisneros’ mistake and continued with the same kinds of policies that caused the 2007-2008 recession … expecting, of course, a different result! What Dodd-Frank really does is hamstring the banking industry with crushing regulations and help to perpetuate stagnate economic growth. I understand that regulation might be needed to help ensure fairness in lending practices, but Dodd-Frank is, by no means, that regulation.

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Get Real … the Special Immigrant VISA program has always been broken!

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I am totally disgusted with all you disingenuous America haters … jumping on the bandwagon and protesting this temporary freeze on immigration from 7 countries with a rich history of hating and murdering Americans. Unfortunately, this list of disingenuous haters now seems to also include Glen Beck and The Blaze, and The Daily Beast!  Is there no journalistic integrity left in the American press at all?  There are a few real facts you need to consider before spreading your lies and spewing your hate!  Okay, maybe that is too harsh … but you could at least check your facts!!

First, the Special Immigrant Visas (SIVs) for Iraqi and Afghan Translators that left-wing ex-military groups are now screaming about. That process has always been broken.  It took the Iraqi translator who worked with U.S. Navy SEAL, Chris Kyle, who know goes by the name Johnny Walker, five years to get through the process.  Do the math!  President Trump has been in office 11 days!  Pete Hegseth, a former executive director of Vets for Freedom and now Fox New contributor has fought for years to bring Iraqi and Afghan allies of his over under this program.  He has talked to and argued with the State Department and many Senators with no success.  Again, Trump has been in office 11 days!  Did you consider that a review of this process might actually include fixing this Special Immigrant Visa program which has been broken since it was put in place in 2009?  Of course not ….

The State Department stopped processing Iraqi refugees for six months while Barack Obama was President and Hillary Clinton served as Secretary of State.  This included Iraqis who had helped U.S. Forces as interpreters and intelligence assets.  This was reported by ABC News in 2013.  ABC News also reported that, as a result of Obama’s BAN ON MUSLIMS, an Iraqi who had aided American troops was murdered before his refugee application could be processed.  This was a direct result of the immigration delay!  Where was your indignant, moral outcry then?

One of the first Iraqi interpreters for the U.S. military detained under Trump’s executive order, Hameed Darweesh, has already been released under an exemption in the order! While certainly not identical, President Trump’s policy is similar to what President Obama did in 2011 when he banned visas for refugees from Iraq for six months.  The seven countries listed in President Trump’s executive were previously identified by the Obama administration as sources of terror.

If you had any intellectual integrity at all, you would back off and give the man a chance, and see how this plays out.  However, I do understand that expecting intellectual integrity from the kinds of people who march on Washington, D.C. dressed as giant pink vaginas … may be a bit of a stretch!

 

 

 

Executive Order Limiting Muslim Entry To The U.S.

PROTECTING THE NATION FROM FOREIGN TERRORIST ENTRY INTO THE UNITED STATES

 

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By the authority vested in me as President by the Constitution and laws of the United States of America, including the Immigration and Nationality Act (INA), 8 U.S.C. 1101 et seq., and section 301 of title 3, United States Code, and to protect the American people from terrorist attacks by foreign nationals admitted to the United States, it is hereby ordered as follows:

 

     Section 1Purpose.  The visa-issuance process plays a crucial role in detecting individuals with terrorist ties and stopping them from entering the United States.  Perhaps in no instance was that more apparent than the terrorist attacks of September 11, 2001, when State Department policy prevented consular officers from properly scrutinizing the visa applications of several of the 19 foreign nationals who went on to murder nearly 3,000 Americans.  And while the visa-issuance process was reviewed and amended after the September 11 attacks to better detect would-be terrorists from receiving visas, these measures did not stop attacks by foreign nationals who were admitted to the United States.

 

     Numerous foreign-born individuals have been convicted or implicated in terrorism-related crimes since September 11, 2001, including foreign nationals who entered the United States after receiving visitor, student, or employment visas, or who entered through the United States refugee resettlement program. Deteriorating conditions in certain countries due to war, strife, disaster, and civil unrest increase the likelihood that terrorists will use any means possible to enter the United States.  The United States must be vigilant during the visa-issuance process to ensure that those approved for admission do not intend to harm Americans and that they have no ties to terrorism.

 

     In order to protect Americans, the United States must ensure that those admitted to this country do not bear hostile attitudes toward it and its founding principles.  The United States cannot, and should not, admit those who do not support the Constitution, or those who would place violent ideologies over American law.  In addition, the United States should not admit those who engage in acts of bigotry or hatred (including “honor” killings, other forms of violence against women, or the persecution of those who practice religions different from their own) or those who would oppress Americans of any race, gender, or sexual orientation.

 

     Sec. 2Policy.  It is the policy of the United States to protect its citizens from foreign nationals who intend to commit terrorist attacks in the United States; and to prevent the admission of foreign nationals who intend to exploit United States immigration laws for malevolent purposes.

 

     Sec. 3Suspension of Issuance of Visas and Other Immigration Benefits to Nationals of Countries of Particular Concern

(a)  The Secretary of Homeland Security, in consultation with the Secretary of State and the Director of National Intelligence, shall immediately conduct a review to determine the information needed from any country to adjudicate any visa, admission, or other benefit under the INA (adjudications) in order to determine that the individual seeking the benefit is who the individual claims to be and is not a security or public-safety threat.

     (b)  The Secretary of Homeland Security, in consultation with the Secretary of State and the Director of National Intelligence, shall submit to the President a report on the results of the review described in subsection (a) of this section, including the Secretary of Homeland Security’s determination of the information needed for adjudications and a list of countries that do not provide adequate information, within 30 days of the date of this order.  The Secretary of Homeland Security shall provide a copy of the report to the Secretary of State and the Director of National Intelligence.

     (c)  To temporarily reduce investigative burdens on relevant agencies during the review period described in subsection (a) of this section, to ensure the proper review and maximum utilization of available resources for the screening of foreign nationals, and to ensure that adequate standards are established to prevent infiltration by foreign terrorists or criminals, pursuant to section 212(f) of the INA, 8 U.S.C. 1182(f), I hereby proclaim that the immigrant and nonimmigrant entry into the United States of aliens from countries referred to in section 217(a)(12) of the INA, 8 U.S.C. 1187(a)(12), would be detrimental to the interests of the United States, and I hereby suspend entry into the United States, as immigrants and nonimmigrants, of such persons for 90 days from the date of this order (excluding those foreign nationals traveling on diplomatic visas, North Atlantic Treaty Organization visas, C-2 visas for travel to the United Nations, and G-1, G-2, G-3, and G-4 visas).

     (d)  Immediately upon receipt of the report described in subsection (b) of this section regarding the information needed for adjudications, the Secretary of State shall request all foreign governments that do not supply such information to start providing such information regarding their nationals within 60 days of notification.

     (e)  After the 60-day period described in subsection (d) of this section expires, the Secretary of Homeland Security, in consultation with the Secretary of State, shall submit to the President a list of countries recommended for inclusion on a Presidential proclamation that would prohibit the entry of foreign nationals (excluding those foreign nationals traveling on diplomatic visas, North Atlantic Treaty Organization visas, C-2 visas for travel to the United Nations, and G-1, G-2, G-3, and G-4 visas) from countries that do not provide the information requested pursuant to subsection (d) of this section until compliance occurs.

     (f)  At any point after submitting the list described in subsection (e) of this section, the Secretary of State or the Secretary of Homeland Security may submit to the President the names of any additional countries recommended for similar treatment.

     (g)  Notwithstanding a suspension pursuant to subsection (c) of this section or pursuant to a Presidential proclamation described in subsection (e) of this section, the Secretaries of State and Homeland Security may, on a case-by-case basis, and when in the national interest, issue visas or other immigration benefits to nationals of countries for which visas and benefits are otherwise blocked.

     (h)  The Secretaries of State and Homeland Security shall submit to the President a joint report on the progress in implementing this order within 30 days of the date of this order, a second report within 60 days of the date of this order, a third report within 90 days of the date of this order, and a fourth report within 120 days of the date of this order.

 

     Sec. 4Implementing Uniform Screening Standards for All Immigration Programs

(a)  The Secretary of State, the Secretary of Homeland Security, the Director of National Intelligence, and the Director of the Federal Bureau of Investigation shall implement a program, as part of the adjudication process for immigration benefits, to identify individuals seeking to enter the United States on a fraudulent basis with the intent to cause harm, or who are at risk of causing harm subsequent to their admission. This program will include the development of a uniform screening standard and procedure, such as in-person interviews; a database of identity documents proffered by applicants to ensure that duplicate documents are not used by multiple applicants; amended application forms that include questions aimed at identifying fraudulent answers and malicious intent; a mechanism to ensure that the applicant is who the applicant claims to be; a process to evaluate the applicant’s likelihood of becoming a positively contributing member of society and the applicant’s ability to make contributions to the national interest; and a mechanism to assess whether or not the applicant has the intent to commit criminal or terrorist acts after entering the United States.

     (b)  The Secretary of Homeland Security, in conjunction with the Secretary of State, the Director of National Intelligence, and the Director of the Federal Bureau of Investigation, shall submit to the President an initial report on the progress of this directive within 60 days of the date of this order, a second report within 100 days of the date of this order, and a third report within 200 days of the date of this order.

 

     Sec. 5Realignment of the U.S. Refugee Admissions Program for Fiscal Year 2017

(a)  The Secretary of State shall suspend the U.S. Refugee Admissions Program (USRAP) for 120 days.  During the 120-day period, the Secretary of State, in conjunction with the Secretary of Homeland Security and in consultation with the Director of National Intelligence, shall review the USRAP application and adjudication process to determine what additional procedures should be taken to ensure that those approved for refugee admission do not pose a threat to the security and welfare of the United States, and shall implement such additional procedures.  Refugee applicants who are already in the USRAP process may be admitted upon the initiation and completion of these revised procedures.  Upon the date that is 120 days after the date of this order, the Secretary of State shall resume USRAP admissions only for nationals of countries for which the Secretary of State, the Secretary of Homeland Security, and the Director of National Intelligence have jointly determined that such additional procedures are adequate to ensure the security and welfare of the United States.

     (b)  Upon the resumption of USRAP admissions, the Secretary of State, in consultation with the Secretary of Homeland Security, is further directed to make changes, to the extent permitted by law, to prioritize refugee claims made by individuals on the basis of religious-based persecution, provided that the religion of the individual is a minority religion in the individual’s country of nationality.  Where necessary and appropriate, the Secretaries of State and Homeland Security shall recommend legislation to the President that would assist with such prioritization.

     (c)  Pursuant to section 212(f) of the INA, 8 U.S.C. 1182(f), I hereby proclaim that the entry of nationals of Syria as refugees is detrimental to the interests of the United States and thus suspend any such entry until such time as I have determined that sufficient changes have been made to the USRAP to ensure that admission of Syrian refugees is consistent with the national interest.

     (d)  Pursuant to section 212(f) of the INA, 8 U.S.C. 1182(f), I hereby proclaim that the entry of more than 50,000 refugees in fiscal year 2017 would be detrimental to the interests of the United States, and thus suspend any such entry until such time as I determine that additional admissions would be in the national interest.

     (e)  Notwithstanding the temporary suspension imposed pursuant to subsection (a) of this section, the Secretaries of State and Homeland Security may jointly determine to admit individuals to the United States as refugees on a case-by-case basis, in their discretion, but only so long as they determine that the admission of such individuals as refugees is in the national interest ― including when the person is a religious minority in his country of nationality facing religious persecution, when admitting the person would enable the United States to conform its conduct to a preexisting international agreement, or when the person is already in transit and denying admission would cause undue hardship ― and it would not pose a risk to the security or welfare of the United States.

     (f)  The Secretary of State shall submit to the President an initial report on the progress of the directive in subsection (b) of this section regarding prioritization of claims made by individuals on the basis of religious-based persecution within 100 days of the date of this order and shall submit a second report within 200 days of the date of this order.

     (g)  It is the policy of the executive branch that, to the extent permitted by law and as practicable, State and local jurisdictions be granted a role in the process of determining the placement or settlement in their jurisdictions of aliens eligible to be admitted to the United States as refugees.  To that end, the Secretary of Homeland Security shall examine existing law to determine the extent to which, consistent with applicable law, State and local jurisdictions may have greater involvement in the process of determining the placement or resettlement of refugees in their jurisdictions, and shall devise a proposal to lawfully promote such involvement.

 

     Sec. 6Rescission of Exercise of Authority Relating to the Terrorism Grounds of InadmissibilityThe Secretaries of State and Homeland Security shall, in consultation with the Attorney General, consider rescinding the exercises of authority in section 212 of the INA, 8 U.S.C. 1182, relating to the terrorism grounds of inadmissibility, as well as any related implementing memoranda.

 

     Sec. 7Expedited Completion of the Biometric Entry-Exit Tracking System.

(a)  The Secretary of Homeland Security shall expedite the completion and implementation of a biometric entry-exit tracking system for all travelers to the United States, as recommended by the National Commission on Terrorist Attacks Upon the United States.

     (b)  The Secretary of Homeland Security shall submit to the President periodic reports on the progress of the directive contained in subsection (a) of this section.  The initial report shall be submitted within 100 days of the date of this order, a second report shall be submitted within 200 days of the date of this order, and a third report shall be submitted within 365 days of the date of this order.  Further, the Secretary shall submit a report every 180 days thereafter until the system is fully deployed and operational.

 

     Sec. 8Visa Interview Security.

(a)  The Secretary of State shall immediately suspend the Visa Interview Waiver Program and ensure compliance with section 222 of the INA, 8 U.S.C. 1222, which requires that all individuals seeking a non-immigrant visa undergo an in-person interview, subject to specific statutory exceptions.

     (b)  To the extent permitted by law and subject to the availability of appropriations, the Secretary of State shall immediately expand the Consular Fellows Program, including by substantially increasing the number of Fellows, lengthening or making permanent the period of service, and making language training at the Foreign Service Institute available to Fellows for assignment to posts outside of their area of core linguistic ability, to ensure that non-immigrant visa-interview wait times are not unduly affected.

 

     Sec. 9Visa Validity Reciprocity.  The Secretary of State shall review all nonimmigrant visa reciprocity agreements to ensure that they are, with respect to each visa classification, truly reciprocal insofar as practicable with respect to validity period and fees, as required by sections 221(c) and 281 of the INA, 8 U.S.C. 1201(c) and 1351, and other treatment.  If a country does not treat United States nationals seeking nonimmigrant visas in a reciprocal manner, the Secretary of State shall adjust the visa validity period, fee schedule, or other treatment to match the treatment of United States nationals by the foreign country, to the extent practicable.

 

     Sec. 10Transparency and Data Collection

(a)  To be more transparent with the American people, and to more effectively implement policies and practices that serve the national interest, the Secretary of Homeland Security, in consultation with the Attorney General, shall, consistent with applicable law and national security, collect and make publicly available within 180 days, and every 180 days thereafter:

     (i)   information regarding the number of foreign nationals in the United States who have been charged with terrorism-related offenses while in the United States; convicted of terrorism-related offenses while in the United States; or removed from the United States based on terrorism-related activity, affiliation, or material support to a terrorism-related organization, or any other national security reasons since the date of this order or the last reporting period, whichever is later;

     (ii)   information regarding the number of foreign nationals in the United States who have been radicalized after entry into the United States and engaged in terrorism-related acts, or who have provided material support to terrorism-related organizations in countries that pose a threat to the United States, since the date of this order or the last reporting period, whichever is later; and

     (iii)  information regarding the number and types of acts of gender-based violence against women, including honor killings, in the United States by foreign nationals, since the date of this order or the last reporting period, whichever is later; and

     (iv)   any other information relevant to public safety and security as determined by the Secretary of Homeland Security and the Attorney General, including information on the immigration status of foreign nationals charged with major offenses.

     (b)  The Secretary of State shall, within one year of the date of this order, provide a report on the estimated long-term costs of the USRAP at the Federal, State, and local levels.

 

     Sec. 11General Provisions.

(a)  Nothing in this order shall be construed to impair or otherwise affect:

     (i)   the authority granted by law to an executive department or agency, or the head thereof; or

     (ii)  the functions of the Director of the Office of Management and Budget relating to budgetary, administrative, or legislative proposals.

     (b)  This order shall be implemented consistent with applicable law and subject to the availability of appropriations.

     (c)  This order is not intended to, and does not, create any right or benefit, substantive or procedural, enforceable at law or in equity by any party against the United States, its departments, agencies, or entities, its officers, employees, or agents, or any other person.

“Snapback” My A$$!

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An interesting observation:

Remember Obama’s statement that he used to get congress to approve the Iran deal … that the deal had a “snapback” provision that would reinstate all the sanctions if Iran did anything that violated the agreement?  Well guess what … not so much!

Iran, according to both US intelligence agencies and the UN, has violated a whole range of things in the agreement . What does the Obama administration do?  Absolutely nothing!  In fact, the Obama administration viciously fights back against congress when they attempt to impose any sanctions on Iran at all!

In the meantime, Obama goes full speed ahead with giving Iran (the number one sponsor of terror in the world) 100 billion dollars.  That money will pay for attacks on US citizens and interests around the world. We have a President who has put in place a system where U.S. taxpayers fund the terror attacks against themselves.  

How is that for Hope and Change!

Random Musings

AG Loretta Lynch is on CNN announcing a Justice Department investigation into the Chicago Police Department’s use of force in recent shootings of young black men. It is interesting to hear the CNN pundits prattle on aimlessly and pointlessly that somehow baseball, hot dogs, apple pie, George W Bush, global warming and Chevrolet are at fault! Yes, it is certainly a tragedy! However, I wonder when it will dawn on them and black Americans that this not taking place in “right-wing, earth-destroying, granny-pushing-off-the-cliff, bible-and-gun-clinging-to conservative America , but rather in a longstanding democratic stronghold; a veritable Alinski-inspired Utopian paradise with very strict gun laws … and one that is brilliantly led by an enlightened Obama administration former member, Rahm Emanuel! Keep on drinking that progressive-liberal cool aid!

On a second note:

Under the Obama administration, ISIS (or ISIL or Daesh or man-caused disasters or overseas contingencies or disgruntled workers or whatever the hell he wants to call radical Islamic terrorism) is growing more and more powerful. Meanwhile back in the good old U.S.A., the U.S. Air Force is running out of bombs! Maybe when the Air Force runs out of bombs, they can start dropping Obama’s bullshit on ISIS and bury them in that. I means, it seems to be working on many Americans!

What was the Roseburg, Oregon Shooter’s Motivation

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Chris Harper-Mercer, the Roseburg, Oregon gunman, was shot to death in a shootout with Roseburg police so we cannot ask him what would cause him to do what he did, but his social media activities can help give us a clue as to what motivated this young man to commit such a heinous act.

It has been reported that among the details authorities have allegedly found was one detail the left-wing media (and President Barack Obama) doesn’t want the public to know. Chris Harper-Mercer had a MySpace account on which he was friends with an apparent Islamic terror supporter.

The Daily Beast has reported that Harper-Mercer’s MySpace account on the now mostly defunct social media site included a contact, Mahmoud Ali Ehsani. Ehsani had pictures of “Mujahedeen” from around the world on his account, as well as a post in which he wrote “kill the Jews.”

Harper-Mercer’s MySpace page reportedly contained praise for terrorists as well. However, his terrorist heroes were admittedly from different ideology … his page had material glorifying members of the Irish Republican Army.

A blog linked to Harper-Mercer also contained praise for Roanoke shooter Vester Lee Flanagan, saying that people “like him have nothing left to live for.” Harper-Mercer is quoted as saying:

On an interesting note, I have noticed that so many people like him are all alone and unknown, yet when they spill a little blood, the whole world knows who they are.

A man who was known by no one, is now known by everyone. His face splashed across every screen, his name across the lips of every person on the planet, all in the course of one day. Seems the more people you kill, the more you’re in the limelight.”

The Washington Times has reported that Harper-Mercer’s shooting should be classified as a hate crime, because he specifically targeted Christians during his rampage.

Stacey Boylan, the mother of one of the witnesses to the shooting, told reporters that he asked potential victims whether or not they were Christian. He would have them stand up and then he would reply, “Good, because you’re a Christian, you’re going to see God in just about one second.” And then he would shoot and killed them.

It goes without saying that President Obama mentioned little or none of this in his speech on the matter last night, choosing to instead blame the entire incident on guns. His lapdog press, as would be expected, went right along with him and refused to report anything that contradicted Obama’s spin … especially the suspect’s possible link to a supporter of Islamic terrorism.

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I really do miss the days when you could say the press was objective, impartial and you could believe what they reported.

Sticks and Stones

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It’s official!  According to Dennis Miller, a conservative leaning American stand-up comedian and political commentator, “Names now hurt us more than sticks and stones.”  It’s the dawn of a new age, the age of the oh-so-easily offended!

These mindless PC zombies are an extremely aggravating breed with very little useful purpose on the planet that I can see … I mean other than destroying our country and our culture. They are mindless drones who only know one thing … what offends them.  A prime example are to two reporters who heckled Donald Trump and Jeb Bush for using the term “anchor babies” on separate occasions.  It seems neither reporter could come up with a viable alternative for the term, but both were so obviously offended by the term that I thought I could even hear their bones breaking!

It is odd that these folks are so often the ones lecturing to us about the utmost importance of “freedom of speech,” but yet they’re the first to shoot down the opinions of anyone brave enough to express a point of view that isn’t identical to theirs.  It’s the height of hypocrisy to yell stridently about freedom of speech and then ruthlessly attack anyone who say anything you disagree with or don’t want to hear.

I think these folks need a  little mental toughness instilled in them.  Perhaps we should capture them, tie them to a chair and force them to repeatedly watch Grand Torino until they see the error of their ways.  Just saying!

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We have devolved into the most whiniest, most thin-skinned, easily-offended society in history!  Americans have become a nation of cry-babies!  We have developed a unlimited capacity for being offended and, it has become our national pastime.