All in the Family featured the curmudgeonly Archie Bunker. Archie was television’s most famous grouch, blunt, blustering, straightforward and untouched by the PC crowd. He was the archetype of the conservative male. Michael desprately tried to reeducate him, but he persisted in his breviloquence.



Looking back at the last 40 years, we realize: ARCHIE WAS RIGHT!

1/28/2015

Cry me a River

We're told its worse if you are black.  Maybe.  I don't know.  I don't think that's true.  Even if it is true, I didn't cause it.  That's not going to stop the Washington Post from promoting the idea of institutional racism.
African Americans for decades flocked to Prince George’s County to be part of a phenomenon that has been rare in American history: a community that grew more upscale as it became more black.
The county became a national symbol of the American Dream with a black twist. Families moved into expansive new homes, with rolling lawns, nearby golf courses and, most of all, neighbors who looked like them. In the early 2000s, home prices soared — some well beyond $1 million — allowing many African Americans to build the kind of wealth their elders could only imagine.
Sounds bad doesn't it?  Poor mistreated blacks living in houses some of which cost more than a million dollars.  The article goes on to bemoan the plight of "middle class" blacks because the housing market has gone against them.  Go ahead and read the whole article but while you do I have a couple of points to keep in mind.
  • Houses that cost over $250,000 are beyond the means of most white "middle class" wage earners.
  • The poverty level for the lower 48 and DC for a family of four FY 2014 is $23,850.
  • The lower level to enter the middle class is apx $65,000 per year.
  • The housing case study in the article involves a house with a mortgage of $560,000.
    • We are not told the income of the homeowners
    • We are told they had mortgage that had some sort of ARM or initial low payment feature that increased over time
  • Assuming traditional mortgage underwriting criteria (what most white people have to do) 80/20 LTV, 360 pmts, normal DTI ratio etc purchase should have looked like this:
    • Purchase price $700,000
    • Interest rate 6%
    • Payment based on a 30 year loan = $3,357 not including taxes and insurance
  • I'm guessing the monthly taxes and insurance are about $800 making the monthly housing "nut" $4,157, give or take.
  • The rules for white people are:
    • 28% DTI housing ratio, meaning no more than 28% of the families income should be tied up in housing.
    • 35% Total DTI ratio, meaning no more than 35% of a families income should be used to service all debts including the house.
    • This means the family should have had a monthly income of not less than $14,846 with no more than $5196 in total debt pmts including the house, if they were white.
  • Another typical rule is to not pay more than 2.5 times for your house what you make in a year, assuming they were held to that rule they should have had an income of not less than $280,000 per year.
We know from reading the article that none of the minimum standards that white people would have had to met were required of the black couple.  We know that because when the mortgage payment shot up to $3,900 they couldn't handle it.  Had they been held to whitys standard they would have been paying more from the start.  If you are making $178,000 a year (minimum amount required to have the payment) or $280,000 a year based on the 2.5 rule, why would a $3,900 payment even phase them?

Of course none of what is considered "normal" applies in this case study, because what really happened is they bought the house on a high LTV loan paying only $20,000 down and then as the value of the house increased they used the property like an ATM machine until it came time to start paying the mortgage down which they didn't want to do because it was hampering their spending.  So due to irresponsible behavior on their part the lender moved to fully amortize the loan.  Too bad, so sad, and not a racial thing its an irresponsible thing.

One housing related point, this is an all black community for rich DC area blacks.  Blacks are only 13% of the population and they live all over the US.  That means there aren't that many rich blacks to bid up the price of the houses in the community.  Besides not all blacks who make good money are dumb enough to spend more than they can afford, or buy expensive houses to show off.

According to the article Mrs. Bryant is employed as a supervisor in the federal workforce.  Which explains some other things.

Brotherly Advice


Charlie was playing with his little brother Mickey when the little boy asked whether he could fly like Superman.



"Sure you can, Mickey," Charlie said. "Just flap your arms really hard."



So Mickey climbed up on the windowsill, started flapping like mad, jumped, then smashed into the ground just a few inches below.



Horrified, their mother came screaming into the room and said, "What happened?"
Charlie said, "I was just teaching Mickey not to believe everything he's told."

1/27/2015

Bound to Happen

If the truth comes out of the mouth of a lawyer, or a politician its generally an accident.  I guess it was bound to happen one day, Obama spoke the truth.  In Obama's Glozell interview he said:
I think people know that treating folks unfairly – even if you disagree with their lifestyle choice, the fact of the matter is they’re not bothering you.
Well he said something that was true.  The first third of the sentence is a personal opinion, which he is entitled to.  The middle part is the truly shocking portion because it's true.  Obama said that homosexuals make a lifestyle, key word here, "choice".  The last part depends on some subjective evaluation so it may or may not be true depending on the POV.

The shocking aspect of this statement is that the official homosexual activist position on same sex attraction is that it is not a choice.  The official story is that homosexual attraction is a preexisting condition that is unavoidable.  The intelligent POV on the topic is that human beings do in fact have the ability to direct their own passion and sexual expression.

What someone does with their genitals is in fact, a choice.  While I'm sure saying so was a huge mistake on Obama's part, he managed to tell the truth.

The last part of his statement is troubling, because while it may have some truth in it, it is the foundation of a lie.  The idea that what two consenting adults do in privacy should not be the governments business sounds a cord in most Americans.  The idea that government has no business in our personal affairs is a American core value.  There is a difference between keeping the government out of peoples business and the idea that homosexuals are not "bothering you". 

In American politics the entire concept behind political organizations, activists, or an "agenda" is to get one groups desires promoted over the desires of another group.  LBGT activists or marriage equality organizations are by virtue of their existence designed to agitate the populace in order to promote an agenda.

If agents of the government aren't kicking in your door and throwing you into prison for homosexual acts, you have achieved equality under the law.  You do not have the right to make other people praise your lifestyle, grant you access to their place of worship, bake you cakes, deliver flowers or avoid expressing opinions that make you feel bad.  Using the government to enforce your world view on your neighbors isn't equality.  It is tyranny. 

Tyranny brought on by legislature, activist judges, or executive order bothers me.
    

1/26/2015

Because Is A Reason

Vox wrote this:
They genuinely can't understand the concept of standing up for someone because that someone stood up for you, even if you don't like him, respect him, or want anything to do with him.
Vox's post reminded me of a story from when Mrs. Ipsa and I were first married.

I had a good friend that I used to hang out with.  Mrs. Ipsa did not then, does not now and probably never will approve of this person.  One day when she was frustrated with not understanding or liking my spending time with him she asked me why he was my friend.

Now here is the thing, every character flaw, bad behavior, etc she objected to was real.  He really was all those negative things.  I don't have an excuse for that.  My answer was, "he is my friend because he is my friend".

That's it, that's the whole reason he is my friend is because he was my friend.  I wasn't disowning him just because I got married.

1/23/2015

Lot Lizards @ Lunch

I've worked lots of jobs.  One of the ways to be always employable as a young person is to be willing to take a job in the service industry.  The pay isn't that great, the hours can be less than desirable. If you are going to school or pursuing a different career and need extra money to make ends meet "burger flipper" jobs can be a great way to get to your goal.  I don't know if that is why Jarred is delivering pizza.

What if times are tough and delivering pizza is the best job you can get?

Does that make you less of a man?

Apparently it does in some peoples eyes.
The situation began Saturday, when Palace Pizza delivery guy Jarrid Tansey delivered $42 worth of pizzas and drinks to the dealership. He was paid $50 in two $20s and two $5s, said Palace Pizza manager Adam Willoughby.
When he returned from the delivery, someone from the car dealership called Willoughby, asking for the driver to return with change -- roughly $7 and some coins.
Having worked for tips, I can tell you if someone pays a $42 bill the way they did, I would assume it was a tip too.  $45 for the bill and $5 plus the change for a tip.  That's about what I'd expect most folks to tip on that amount.  $2 and change would be too small of a tip, adding an extra $5 would make it about right.

Even if I messed up and gave the guy too much, I wouldn't call his boss to complain.  I wouldn't blame the delivery guy for pocketing a tip.  That's how they make their living.  One other thing I wouldn't do is make him come back out to bring me my change.  IF and I mean by some unlikely course of events IF he had to bring my change back, I wouldn't belittle him for an honest mistake, that happened because I over paid him.

One other thing I wouldn't do: I wouldn't take the footage from the security camera of my coworkers mocking him and post it on the internet.  I wouldn't do any of those things.

Which is why I shouted YES at my computer screen when I read this story and saw the video. 

Pizza delivery guy gets insulted, Internet gets revenge

Amanda Rogers, a former waitress, was so moved after seeing Tansey's video on LiveLeak, she called the pizza shop to find out the driver's name so she could send him a check.
"For them to call him back over money he should've received anyway," Rogers said, "I decided to take it one step further."
"Why not get the kid more than he deserves?" she said.
Rogers set up the fundraising page for Tansey. It's entitled "Get Jarrid his tip money!"
Many are leaving donations in $7 increments, the amount Tansey drove back to return to the dealership. One commenter wrote, "You are a good example of someone treating people the way you want to be treated."
Rogers, who was a stranger to Tansey and his wife before this all started, said she hopes the response would prove that, "people are actually nice out there."
Good on Amanda Rogers.  Good on everyone who sent Jared a couple of extra bucks to make up for the lot lizards of the world. 

1/21/2015

All Time Winner

Women like to recount and retell birthing stories.  Some women take pride in chickening out and getting the epidural.  Some seem to enjoy, or at least enjoy retelling the story of the 40 hour hard labor.  Some of you judge the rest of women kind as less motherly because you didn't labor at home in the bathtub with a duma.  It's all a big estrogen fueled drama contest. 


Whatever your story of emotionally gripping childbirth, its time to shut up now.  You have been beaten.  I declare the all time winner of women's child labor and delivery stories, Gerri Wolfe.  At age 41 she has topped all of you put together, forever.  It's over you've lost.


'It's my body, it's my birth, it's my baby': Extraordinary moment Australian woman pulled her own twins from her tummy during caesarean delivery - and they're her tenth and eleventh babies.


*Guys, DO NOT follow the link, they have pictures.