Calling the bankers’ bluff

More and more Americans are discovering that bankers are more bark than bite:

A growing number of the people whose homes are in foreclosure are refusing to slink away in shame. They are fashioning a sort of homemade mortgage modification, one that brings their payments all the way down to zero. They use the money they save to get back on their feet or just get by. This type of modification does not beg for a lender’s permission but is delivered as an ultimatum: Force me out if you can. Any moral qualms are overshadowed by a conviction that the banks created the crisis by snookering homeowners with loans that got them in over their heads.

“I tried to explain my situation to the lender, but they wouldn’t help,” said Mr. Pemberton’s mother, Wendy Pemberton, herself in foreclosure on a small house a few blocks away from her son’s. She stopped paying her mortgage two years ago after a bout with lung cancer. “They’re all crooks.”

Foreclosure procedures have been initiated against 1.7 million of the nation’s households. The pace of resolving these problem loans is slow and getting slower because of legal challenges, foreclosure moratoriums, government pressure to offer modifications and the inability of the lenders to cope with so many souring mortgages.

The average borrower in foreclosure has been delinquent for 438 days before actually being evicted, up from 251 days in January 2008, according to LPS Applied Analytics.

I wouldn’t say they are all crooks, but certainly all the big bankers are. I don’t see why anyone who has a mortgage with any bank that received TARP money should pay them so much as a single dime. It is very clear that the rule of law no matter applies in the USA, so there’s no reason why the enmortgaged masses shouldn’t follow the lead of their would-be financial masters and ignore anything that isn’t in their immediate pecuniary interests.

If your credit is already ruined, why on Earth would you continue to send what little money you have left to a collection of bankrupt thieves and scam artists.

Look out, ladies!

Al Gore is on the prowl!

Al and Tipper Gore, whose playful romance enlivened Washington and the campaign trail for a quarter century, have decided to separate after 40 years of marriage, the couple told friends Tuesday. In an “Email from Al and Tipper Gore,” the couple said: “We are announcing today that after a great deal of thought and discussion, we have decided to separate.

Between Tipper’s campaign against rock music and Al’s global warming scam, I don’t think there has been a more awful political couple since the Perons. But let’s face it, their relationship was never the same after Naomi Wolf started dressing him.

Feminism made you fat

Clayton Cramer explains:

When I was in elementary school, I had very few classmates who were even chubby. There was one kid out of 400 in my elementary school who would be considered fat (and probably not even obese)—and he was from Turkey. There are many causes of the increasing obesity problem, and this article focuses on one very substantial cause—but let me emphasize that it is not the only cause—just one that liberals caused.

One of the advantages kids had back then was mothers who were home, and actively involved in child rearing. Even mothers who had to work full-time (like mine) still managed to play an active role in encouraging healthy dietary habits. I was limited to one soft drink a day. Dinner included reasonable portions of meat, a starch, and vegetables—and as much as I hated overcooked vegetables, I was expected to eat them. Desserts were infrequent in our house—perhaps once a week. Nearly every other kid that I knew came from a similar home, with parents making similar efforts to encourage self-discipline and healthy eating….

This transformation didn’t just “happen.” It was the result of a conscious decision by liberals to actively promote the idea that no woman was really “fulfilled” unless she had a full-time career—and staying home and raising kids wasn’t part of the career track. Through active propaganda campaigns and passage of laws banning sex discrimination in employment, liberals destroyed the postwar social consensus that a man would normally be the primary breadwinner. Part of what helped destroy that postwar consensus was that there were a lot of well-educated women who wanted to be more than just mothers. Another factor was the rise of no-fault divorce, which made it much easier for guys to dump their families. Women who had been content to be homemakers now had no choice but full-time employment.

I recall that there were two fat kids in my high school graduating class of 160, and only the girl was obese. And while it’s been some time since I was last in the USA, but I distinctly remember desperately looking around for a harpoon until I realized that evolution works too slowly for all of the grotesque, waddling creatures I saw to be land whales.

Just one more aspect of societal decline for which feminism is to blame. And what was the benefit, again?