Monday, November 25, 2013
SG# 5 Up Worthy
AE#5 Media Synthesize
I have noticed that people believe that they can buy prestige by buying a particular brand. Not that it is better made or superior in any way other than the brand marketing. I am not immune to the influence, I have an affinity to Coach handbags. I know that they do no better job of holding my belongings than one bought at Walmart. I do buy them, but at an outlet store. I comfort myself by saying that I like the looks of the handbags, not that I fell for the sales pitch, although we all know I did.
I will be a bit more aware, and beware, of the way media tries to persuade me to buy a product or a lifestyle. I will be paying particular attention to how they will evoke emotions and logic in their effort to gain me as a customer.
Sunday, November 17, 2013
SG # 4 Modern Day Bank Robbery

I enjoyed the Michael Moore movie Capitalism: A Love Story. Like so many of us, I have a story to tell of a modern day bank robbery: the bank was the robber. My sister had a loan with Bank of America. As the economy went down so did her paycheck at the salon where she worked. She began to struggle to pay the mortgage. Keep in mind, when she took out the mortgage that she and her husband, who is a Baptist minister could well afford the payment She contacted her lender, Bank of America, well in advance of a late payment. She was advised that nothing could be done until she was delinquent six months on her payment. At the end of the six months, Bank of America demanded some documents regarding her loan and a brief description of her present circumstances. She sent them in the mail. Everything the bank requested, she provided. At the end of the year, the bank demanded the full amount owed plus fees of over $10,000 or she would face foreclosure. She sent all the money that she had saved and called the bank. She was told that the foreclosure would halt if she had sent the money. The very next week she received notice that her house would be sold at auction in 30 days if she did not bring her mortgage to date. She again called the bank, and was told that they needed more documents. By this time, it was on the news that the banks preferred to foreclose at a loss to be eligible for TARP (Troubled Asset Relief Program). As she struggled with the bank, she sent everything they asked for, and did everything they asked of her. She would be told something different with every phone call. In the end, she contacted an attorney. The attorney was able to negotiate with the bank to save her home; with a new mortgage,with all the money owed including fees and penalties. I truly believe that if not for the work of the attorney, she would have lost her home. Another way of looking at the situation is, her home would have been stolen through the banks misconduct, I do not believe that it was incompetence. It was not even clear if the bank still held the mortgage or if it was sold to another institution. The bank got money but lost her trust. I quickly withdrew my money and joined Desert Schools Credit Union They have different rules and regulation, and now, my money and my trust. I would place a link to Bank of America, But I would not recommend the institution to any one.
It was eye opening to see the ordeal that she went through. I would have not believed it had I not been witness to the process. Caveat emptor indeed. It is a shame that banks are now untrustworthy. It certainly is a new twist on the phrase "bank robbery".
Assigned Entry #4 Capitalism Rhetoric
Although, I think what happened was not capitalism at work. True capitalism would have allowed the banks to fail. Too big to fail would not not entered the discussion. What happened was the privatization of profits and the risks publicly shouldered. A few people made large profits while many people lost homes and livelihoods through the misconduct of corporations. The economy works best with a vibrant middle class. It is that very class that is being squeezed out of existence. The gap between the "haves and the have nots" is widening at an alarming rate.The trickle down economy does not work. A bubble up economy does. The anger will continue to build as long as there is a inequity in the income levels like what is seen today.
Here is a teaser from his movie, Capitalism: A Love Story. I am sure the love story part is ironic. I will watch for the next movie he releases because, I agree with most of his views. He says it better than I ever could hope to.
Thursday, November 14, 2013
AE#3: Local Story Respond
As I read the story about Arizona State University offering shorter classes, they would be a good option for many students. After having taken a couple of the shorter summer course at Glendale Community collage, I will offer one caveat, take shorter courses in the subjects that are not difficult. I took and passed a five week course in English and another five week course in Introduction to Psychology. I, personally, would not under any circumstances take a shorter Algebra course. The shorter courses are accelerated. The work of a whole semester is condensed into seven and a half weeks. Even with the help of several Math web sites, such as Khan Academy, an Algebra class with the traditional semester would be too fast for me.
As the delivery of education progresses the variety of the structure of that delivery will be increased to satisfy almost every need.
Sunday, November 10, 2013
Self Generated #3 Thoughts on Condensed Classes
I continued my education after a hiatus of three decades. (Yikes!) My greatest fear was overwhelming myself. I started out slow, and was comfortable with going back to school. When it came to the shorter condensed summer sessions, I chose to take them one at a time. The only time I felt overwhelmed was the first week of English. It was after I realized that I had done the whole weeks homework in one night when I began to feel less stressed about the time frame of the class. Now the homework of the regular classes seems to be a breeze.
Saturday, November 2, 2013
Self Generated #2 The Descent of Politics.
It seems with every election cycle, the dysfunction in Washington gets worse. I am beginning to adhere to the notion the Mark Twain had, "Diapers and politicians must be changed regularly for the same reason." The hate and disrespect for opinions other that the ones held by the person speaking is overwhelmingly unproductive. The Senators and Representatives where elected to serve the interest of their constituents. The bickering over every issue is not the reason they hold office. Once elected, the focus of the members of congress shifts to getting reelected and off the needs of the people. The name calling and the absolute assassination of the opponents character is unsavory to me. I try to keep my political leanings to myself. People can become quite emotional about politics, and I hate drama. Our opinions are entrenched in our emotions and they are hard to untangle. I do not want to offend anyone, nor do I want to be considered naive in the ways of the world. I'll give a hint, I will never vote against my own interest. Whew!! I certainly hope that is vague enough. I want to be obscure clearly. I try to hold my bias in check and be aware of it as I listen to others views, although it is difficult at times. Remember, we all all Americans and in this together. It helps no one to cling to the party line at the expense American people. When did compromise become a dirty word? It should be considered a strength rather than a weakness. If the political rivals President Ronald Reagan and Tip O'Neill could agree to work together for the good of the county, why can't the current members of Congress see a way around the impasse of adhering strictly to party lines. The gentleman's agreement of rules of conduct has fallen by the wayside and the country as a whole is the poorer for it.
Two of the most skilled politicians in the art of compromise were President Reagan and Tip O'Neill. The grace has left politics and a coarseness has emerged. The political atmosphere is so toxic, most descent people fear to enter the arena. People must demand the return of common courtesy and common sense to the Congressional members. The ways of doing business in the Congress now is unproductive and damaging to everyone. We need to look past our differences and find our similarities. The nation as a whole will profit greatly from a change of tactics and out look. Let's bring back civility and compromise to the discussion of politics. Respect your opponent (I hate to use that word), if for no other reason than, to keep you honest. I prefer to think of the opposition as complementary; each bringing to the table strengths and weaknesses the other lacks. The parties should see themselves as the two sides of the same coin. Another issue is honesty, how many former legislators and now in prison or under indictment for misconduct in office? We must require a greater level of honesty from our leaders. They should be the greatest among us, not the ones able to sling the most mud. I do not want the best liar or thief to represent me. I want someone who truly wants to make the country better, not one who's focus is on reelection. Term limits may allow for real change to happen. Until then, I will hope that common sense will emerge.

I couldn't find a flag that says, "Quit bickering or lose credibility". The political posturing that is going on has real world consequences like, a tanking economy and loss of respect around the globe. All just for a few political points, points that are ephemeral at best.
| President Reagan and Tip O'Neill |
I couldn't find a flag that says, "Quit bickering or lose credibility". The political posturing that is going on has real world consequences like, a tanking economy and loss of respect around the globe. All just for a few political points, points that are ephemeral at best.
Assigned Entry #2 Slanted Reporting Quest
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