Selected Passages Only

Today I became distracted by a lengthy essay by science-fiction author and devout Mormon Orson Scott Card. Today Mr. Card is writing about marriage. I am sometimes amused by the sanctity of marriage crowd, people who get downright vehement about marriage being “between one man and one woman”. The basic arguments for this boil down to this:

  1. It’s always been that way.
  2. It’s that way for biological reasons, because only one man and one woman can make kids together, and the kids deserve the protections of a stable family unit.

It is worth noting that Mr. Card begins not from this point, but by blasting the courts for what he considers to be overriding the voter consensus. It has apparently never occurred to him that voters can be wrong. Voters once thought keeping slaves was a perfectly good thing. What if there were a referendum to execute any American Idol contestant who performed inadequately; Would the courts be wrong to override that?

But back to the issues and the arguments. The “it’s for the kids” argument appears sound on its face, but we all know that just because it takes a man and a woman to make a baby doesn’t mean that the man is actually required beyond the first day. Don’t get me wrong, I have no envy of single parents, but the “stable family unit” that could be had with a loving partner could also be had with extended family or even a community of like-minded friends.

The argument I truly take issue with is the “it’s always been that way.” I have never liked these self-referential logic deals: we do it that way because that’s the way we do it. And why exactly is that? And this particular one — “marriage is a man and a woman because it’s been that way for thousands of years” — doesn’t even hold up to scrutiny.

How quickly we forget all the cultures mentioned in the Wikipedia article on polygamy.

How quickly we forget that even modern Islam allows multiple wives, a provision that allowed for young widows to be taken into another man’s home in an environment where women were prohibited from work outside the home. Interesting side note, Islam doesn’t allow for adoption either; so much for the “it’s for the kids” argument too.

How quickly we forget that multiple wives and concubines were common among wealthy Japanese and Chinese until as late as the 19th century — within the living memory of some.

Some may criticize and say that it’s always been that way in the Bible. I suggest reading the Bible before saying that.

How quickly we forget Abraham, Father of Many Nations, who had children both with his wife and his servant-woman.

How quickly we forget Jacob, Father of the 12 Tribes of Israel, who was married to a pair of sisters.

How quickly we forget the harems of King David and King Solomon.

Sure. We’ve always done it this way; marriage has always been between one man and one woman. Sure, none of these situations is gay marriage; I am only taking out the old logic, not bringing in the new logic.

In spite of all this I am willing to make a deal with the people who think marriage is a religious institution and the government has no business being involved, because there actually is something to that. The problem is that modern marriage is a synthesis of a relationship and a business contract, with common law and statutory law baggage going back thousands of years. Let’s start calling the religious institution “marriage”, and the government can issue licenses for “civil union.” The various churches can define marriage however they like, but the civil union will have what is now the government definition and protections of marriage. Everyone will be free to choose whether they want one, both, or none of the above. However, not only will the government not be able to say who can and can’t be married, the church will not have any authority whatsoever to say who can and can’t have a civil union.

How does that sound?

It’s almost the end of the month, so I thought I would go ahead and quickly bring you a July Retrospective: 2003, 2004, 2005, 2006, 2007.

In closing: how convenient that we can blame another country for our salmonella problem; new moderation policy looks much like the old moderation policy; Julie is right about illegal immigration; how ironic that gas prices are making communities force developers to observe common sense; an interesting view on education; Shark-fu writes about the federal budget so I don’t have to; some new daily reading, Kill This Character, Please; the campaign commercial that backfired due to lousy research; Federal Employees Work for Us; granted ADP job numbers tend to be pessimistic compared to the Department of Labor, but they say we only gained 9,000 jobs in July (and the scary part is that Vegas alone may account for that — I kid, those jobs start in spring); and finally, talk to your kids about Linux, before somebody else does.

Indy, WaMu, Wells, and someone to Wachovia

Yes, I know it’s supposed to be pronounced wah-KOH-vee-ah.

I have been viewing the mortgage crisis and the resultant banking crisis through a different lens than most people. Sure, I try to send snapshots of what I am seeing, but it’s probably not what you are seeing. I have explained mortgage-backed securities at some length here, Wikipedia has a more in depth article here, and if this is a foreign term to you, reading those might cause the rest of this to make more sense.

In a nutshell, the house of cards started to come down when some investors realized that all mortgage-backed securities were not created equal: the ones Fannie and Freddie were buying up had much lower risk than the ones John Q Hedge Fund was buying. This made it more difficult to sell these securities; and if they could not be sold, the originator of the loan could not make new loans; and if those mortgage companies couldn’t make new loans, people might not be able to buy houses; and for a variety of social, political, and economic reasons, we couldn’t allow that! The obvious solution was to let Fannie and Freddie buy subprime paper. This would both revive the market for the stuff, and free up the Good Stuff for other investors (since Fannie and Freddie have a limited amount of money).

So by this time last year, Fannie had almost $50 Billion in subprime notes, and Freddie about $120 Billion. Spread the risk. I mean, love. Spread the love. Also by this time last year, the subprime crisis had caused its first corporate bankruptcy. If you only understand one thing out of all this, it should be this: All of us have a vested interest in this thing unwinding in as prompt and orderly a fashion as possible. Most housing is purchased using a mortgage; even rented housing usually has a mortgage.

Because I work in real estate, I deal with mortgage companies on a daily basis. I’m calling mortgage brokers; I’m trying to get pre-approval letters for clients; I’m trying to get short-sale approval; I’m trying to help clients purchase foreclosed homes. This being said, there were clear warning signs that IndyMac was in trouble. It was hard to read the situation, because the same signs were hanging in a lot of places, and still are.

Barring future disaster, Wachovia will survive in my opinion, because they are making sensible cuts now. You may have heard they are getting out of the mortgage business? It turns out “will no longer offer mortgages through brokers” effective Friday. You can still walk into a branch and ask to speak to a loan officer on Monday. That’s not a panic, but an orderly shutdown.

A lot of people are worried about WaMu and I can’t blame them. Wall Street has been worried for some time. Just yesterday they, like Wachovia, announced “billions in mortgage losses” for the last quarter.  Getting them to approve short sales is like pulling teeth — apparently they want to foreclose and have thousands of REO homes to get rid of!  People complain about their mortgage division’s practices. Not a month goes by that I don’t have at least 2 visitors to ShortWoman looking for some variant on “talk to a human at WaMu“. Things look bad for WaMu, yet it’s not the same warning signs as IndyMac.

And then there’s Wells Fargo.  Jim Cramer has been telling us things are wonderful at Wells for a year now. Just today he reiterated that.  Now, on one hand, Jim is a smart guy who has made a lot of money scrutinizing the balance sheets of banks and investing accordingly.  He is looking at the situation from the top.  I am seeing it from the bottom, and the sign is easier to read from down here. It’s the sign I saw at Countrywide (whose takeover by Bank of America is cruising towards completion).  It’s the sign I saw at IndyMac.

Wells Fargo owns a lot of foreclosed homes. By my count they have about 500 listed for sale in my metropolitan area alone.  And if you want to purchase one of them?  You have to be approved by a Wells Fargo mortgage consultant.  Your offer won’t even be sent in without a pre-approval letter from them!  They will of course try to sell you a mortgage while they are at it.  For a company that needs to sell property pronto, they are going out of their way to make it difficult to buy.

In closing: sometimes “equality” isn’t quite as good as everyone might like; when the budget gets too tight, even potentially life-saving medical care is optional spending; short version of the economic differences between Senator McCain and Senator Obama; the view from the bottom of our economy is pretty sad; and the iDiet (not an endorsement in any way shape or form).

Rated PG-13

Ok, let me spell this out for you. The new Batman movie is supposed to be great.  The performance of now-late Heath Ledger as the Joker is described as “mad-crazy-blazing brilliant“. Time Magazine saysWith little humor to break the tension, The Dark Knight is beyond dark. It’s as black — and teeming and toxic — as the mind of the Joker.” Holy big screen, Batman, this is not — repeat, not — a rehash of the old 60s Batman TV show.

All this being said, I’d like to point out that the movie is rated PG-13.  Whatever made anybody think it was appropriate viewing for kids? Even one of the reviewers said (emphasis mine) “This film is not for children, and I would discourage parents from taking anyone under 12 to see this movie.”  Imagine that.  Maybe — just maybe — that’s why it’s rated PG-13.

But hey, my job isn’t to parent your kids.

In closing:  who needs handcuffs when you have schedule 4 pharmaceuticals that can cause severe reactions; Susie wants to know if you feel safer knowing that there are truckers who should be legally disabled driving big rigs; an Appeals court thinks it’s just fine to lock somebody up just because the President says he’s a bad guy; and The End of White Flight.

My Love Hate Relationship with BlogHer

Or, Blog Naked.

According to my user profile, I have been a member of BlogHer for 2 years and 20 weeks. I have also apparently posted 5 times there in the last year. I have cross-links to and friendships with many BlogHer members, including one of the founders. I have supported several of their initiatives, including their maternal health campaign.

Here’s the thing. BlogHer was conceived back in 2005 with a “mission to create opportunities for women who blog to pursue exposure, education, community and economic empowerment.” The idea was to be one vast commons for women who write blogs: we could find one another; we could learn from one another’s writing styles; we could share information that perhaps the male half of the blogosphere didn’t care about; we could join together on issues of mutual importance.

They got big, and they got important. Conference keynoters are women you have heard of. The conferences themselves are among the biggest blogging conferences anywhere, with meetings both in major American cities and Second Life* — both versions of the current conference are sold out. They are considered by some to be THE most influential womens voice in blogging today. They are a Fast 50 contender over at Fast Company. C|Net just can’t shut up about them.

Unfortunately, vast swaths of BlogHer have become everything I dislike about many womens magazines. Horoscopes (even if I believed in Astrology, the idea that any one reading can be applied to one out of every 12 people is ludicrous). Fashion. Mommyblogging. The only thing missing is 83 cover stories about sex and “pleasing your man”.

Just a couple of days ago, they announced a huge, huge, partnership with iVillage. Huge, as in it includes $5,000,000.00 in venture capital. Oh wait, once you add in existing investors, it’s somewhat more than that. Good for you, ladies. That’s awesome! No really, I’m happy for you.

But here’s my problem. Many people see this as acknowledging the economic power of women. I see it as condescending to women. Do you think iVillage wants our voices, or our wallets? When C|Net (yes, C|Net again) points out that “On the tech conference circuit, Yahoo, Microsoft and Google are the typical deep-pocketed sponsors. But when the tech is geared toward women, the pockets are those of Chevrolet, Macy’s, and K-Y Jelly,” I wonder why Yahoo and Google don’t think it is worth talking to us! Lots of food there, and plenty of other “communities.” As I look through the official list of sponsors, I notice the “tech” company that gave the most money is Nintendo! Microsoft actually is there, along with HP and Intuit, at one of the lower levels.

Sorry, I don’t think I want to attend a conference sponsored by K-Y Jelly. Unless, of course, it’s clothing optional. Ok, not even then, but it would be a more interesting and appropriate event for K-Y to sponsor.

No “in closing” today. I hope nobody is dissapointed.

* I actually suggested running the parallel online conference in IRC or even AIM. My rationale was that being text formats, they had very low system requirements, low bandwidth requirements, and had free downloadable clients. But glitzy and fun won out over cheap and easily accessible. Maybe I should have mentioned it was easier to hide what you were doing from your boss?

It’s Follow Up Friday!

Please welcome David Sirota to the list of people pointing left and saying “Excuse me, the Center is over there!”

It turns out that 85% of us — 17 out of 20 people — are no longer snowed by the rosy “official” economic numbers and are “unhappy” with the economy. The “unhappiness” among Blacks and Latinos is higher. Couldn’t have anything to do with the “decoupling” of traditional measures from reality? Maybe everybody will feel better when that minimum wage hike begins next week.

Two thoughts on Fannie, neither of them happy. Nice of you boys to catch up with me on this one. It only took a financial crisis!

Fiscal responsibility turns out to be nothing more than an empty campaign promise. At least, for many Republicans.

Jill put it best, “Perhaps this will put an end to the idea that the private sector does everything better”.

Iraq and the US are close to agreeing on troop cuts. It’s about time. They have been trying to step up so we would step down for some time now!

And in closing, some doctors are cutting out the middleman, insurance companies. Personally, I think this is a step in the right direction. After all, if enough doctors and patients refuse to play in the for-profit system, something will have to change if insurance companies want to remain in business.

Have a great weekend!

Kos Gets It, McCain Not So Much

It seems just yesterday I called myself a “the-center-is-progressive lady”. Oh wait, that was yesterday! Today the Daily Kos has an item called The “Far Left” is the Mainstream. They give us the figures that show “Most” Americans oppose the Iraq war, support stem cell research, and think we should raise the minimum wage. Most Americans even support abortion rights, at least in part. That is what makes it so puzzling when politicians pander to the rather conservative point on the spectrum that they mistakenly think is the moderate center. Of course, if anyone was paying attention, the late Molly Ivins said the same thing back in 2006.

Welcome to reality, Kos-ites and Kos-acks. Enjoy the view.

Meanwhile, many thanks to Norman Goldman, filling in on the Ed Schultz Show for breaking a story on McCain’s really awful sense of “humor”. Apparently the man, who has been on the record calling his wife a certain impolite sexist term, really did tell this joke:

Did you hear the one about the woman who is attacked on the street by a gorilla, beaten senseless, raped repeatedly and left to die? When she finally regains consciousness and tries to speak, her doctor leans over to hear her sigh contently and to feebly ask, ‘Where is that marvelous ape?’

Yeah, cause being beaten, raped, and left to die is so effing funny.

In closing: more reasons Mandatory Health Insurance won’t work, as “Individual health policies leave many in the lurch” and “Deep flaws found in U.S. Health Care” (yet one more place that politicians are pandering to a far right “center”); and welcoming Michelle Obama to BlogHer.

Global War on Women

If you have been reading my work for very long, you know I am not what anybody would consider a rabid feminist. Yet, I do most vehemently believe that women have the same inalienable rights to “life, liberty, and the pursuit of happiness” as men.

We live in sad and pathetic times for women in this world.

The Taliban are still executing women in Afghanistan. At this rate, they will have committed self-genocide within a generation and a half. In fact, I am utterly amazed they still have women to murder. (Warning! That link does include pictures and video!)

Darfur is still a terrifying mess of rape and murder, and there is little hope the man in charge will be brought to justice.

France has decided you can’t be both French and a devout Muslim woman.

Honor killings are news in the United States, but pathetically common in some areas of the world.

The Republican candidate for President voted against a bill that would allow women to actually sue when they find they aren’t getting paid as well for the same work a man does.

And now, the federal Department of Health and Human Services has decided that they know better than actual doctors, and is attempting to redefine pregnancy in such a way as to magically turn the use of hormonal birth control into an “abortion.” This would of course free up pharmacists and doctors to refuse allow women to get it on “moral” grounds. It would also effectively prevent any public health system from dispensing birth control. This, ironically, will raise the number of unwanted pregnancies, which will in turn raise the numbers of abortions out there. Bizarro Government.

There’s just no using logic with some people.

In closing: couldn’t everyone use a patient advocate; I need a Hello Kitty Disaster Kit; Look who got mentioned in The Week Daily; 5 reasons $4 gas might not be all bad; inflation at its worst level since the Original Bush Adminstration; Jill could use a job; and finally, another stupid approach to “universal” health care. The first nail in the coffin is that it still involves primary care being paid for by for-profit insurance companies. Second, it involves a VAT. Third, it assumes — and concedes it might not work out that way — that employers will pass on the savings of not buying insurance policies by giving everybody a huge raise. Can I have a ticket to his fantasy-land? It sounds like a better place than here for a the-center-is-progressive lady like myself.

Other People’s Commentary

The most accurate thing you are likely to read about education this week, courtesy of D-Ed Reckoning.

“Sorry your parents were screw-ups, kid. The penalty is death.” Seriously, a Florida teenager has been removed from an organ transplant list because he’s in the foster system.

I could go on about FISA, but Jill and Yeti did such a nice job.

Fafblog is updated irregularly, but they only post quality stuff, like this run-down of potential Veep candidates.

A couple questions about Senator McCain: is he in fact a natural born United States citizen? And did he bother to divorce wife #1 (you remember, the one who had the temerity to be injured and disfigured while Johnny was being tortured) before marrying wife #2 (the beer baroness)?

It turns out there is a magic pill to improve your health. And the good news is it’s cheap! The bad news is it’s called “exercise”.

A pilot points out to the TSA that in fact, the knife in his carry-on bag was given to him on the airplane. TSA supervisor is unamused.

Phuck Phil. Gramm that is. And his little Wendy too. Remember, this is the guy that McCain looks to for economic advice. Well, I guess he’s an expert — he broke it!

mmCoffee. You know, you can cook with it too?

And ModDoctor nailed this weeks ago! The doctor in Vegas who apparently infected an unknown number of patients with hepatitis has been inadequately cleaning the scopes he puts up people’s bums since at least 1989. This case just got a lot messier.

Have a great weekend.

The Jobs Report has Nothing to do with Apple

Today we learned that in June, our economy lost roughly 62,000 jobs according to the Bureau of Labor Statistics. Along with this, we learned that even more jobs were lost in May than initially thought. The unemployment rate is remaining stable at 5.5% — this has to do with the very narrow BLS definition of “unemployed” (you had a full time job, you lost it, you aren’t working at all, and you are actively looking for work). Keep in mind, May and June are a time when our new high school and college grads are looking for their first “real” job.

CNN furthermore points out that June was the 6th straight month of job losses, initial jobless claims are up, total unemployment claims are at the highest level since Katrina, and wages aren’t keeping pace with inflation — that’s inflation as [under]measured by the government.

Robert Reich did a very nice wrap-up of the problem, pointing out “Total job losses since the first of the year are now 438,000. That’s a loss of 73,000 a month. The economy needs to CREATE 125,000 jobs a month just to keep up with population growth.” That’s about all that needs to be said.

Cross-posted at The Moderate Voice.

In closing: Edward Kennedy — who you will recall is recovering from a brain tumor — is laying the groundwork for a true universal health care plan (not one of those mandatory plans that most politicians keep trying to sell us); How to Leave Iraq; and a follow-up, this guy managed to get 110 mpg and 400 horsepower out of an ’87 Mustang. Hey Detroit, we don’t believe you can’t give us both efficient and powerful any more! Maybe that’s why Toyota is kicking your butt!

Shorties Vs. Predator

Lessons Learned in Ireland: Unfortunately the folks who really learned anything from the British troubles with the IRA were the Iraqi resistance!

The Economy is Great: No it isn’t, in fact some people will die. Job losses will continue through 2009, and all the problems caused by people not having enough money will likewise continue. Oh, and it turns out that the “official statistics” — which my readers know undercount both inflation and unemployment — also undercount poverty. So sure, the economy isn’t that bad, as long as you look at it with government approved rose-colored glasses.

We don’t need no steenking NDA: Diary of a Government Whore. Oh, he means “software designer”.

I Wonder If They Keep Kosher: Some people think Mr. Bush needs a third term as President. From their FAQ: “Presidential term limits are not in the Bible. And they were not in our Constitution until added by an activist congress in 1951.” The very idea of a “President” isn’t in the Bible either.

Speaking of the President: Just this morning, Mr. Bush reiterated some of his comments on oil and energy prices. One of the things he specifically said was that prices will drop when supply increases, and that is why we need more drilling. The problem is that the drilling he discusses — if it does come to pass — will not increase supply until 5 to 10 years from now. We can’t control supply in the short term. And frankly, as long as “developing nations” such as China and India continue to increase their demand for petroleum products, we can’t control supply in the long term either. What we can control is demand. And that is just what any consumer that has a choice is doing. That’s why auto sales are at their worst level in 15 years “as [auto manufacturers] try to meet call for small cars.” Meanwhile, even as consumers are saying “give us efficient cars!”, those same car makers are saying “fuel-efficiency targets, timing are too tough”! Funny, the Asians and Europeans are able to deliver.

It feels like something is wrong here: This commemorative silver dollar — it is not intended for circulation — has a picture of Louis Braille on it. “On the back of the coin, the Braille code for the word Braille — or ‘Brl’ — is inscribed, above a depiction of a school-age boy reading a Braille book with a cane resting on his arm.” If we are going to the trouble of putting Braille characters on the coin, don’t you suppose it would be more useful to have the denomination of the coin? That way people who actually use Braille could read… oh never mind.

They get you going and not going: Upgrade: Travel Better points out that Spirit Airlines‘ fare schedule is completely misleading. Not only do they charge extra for an aisle seat or a window seat, they even charge extra for a middle seat! If you refuse to pay for a seat, do they cram you in the overhead compartment? Do you get a complementary beverage? Meanwhile, airports have figured out that when you are stuck waiting for a flight, you have little choice but to wander around the airport, hopefully eating, drinking, and buying stuff. And since you weren’t allowed to bring your own water bottle behind the security checkpoint, they’ve got you cornered.

Since we’re on the topic of “security”: Don’t do anything remotely suspicious — such as drawing pictures or buying pool chemicals — in Denver. Oh, and the “Justice” Department is considering letting the FBI investigate people as potential terrorists not because of anything suspicious they may have done, but because they may fit a “terrorist profile”: “The new policy… would let agents open preliminary terror investigations after mining public records and intelligence to build a profile of traits that, taken together, could be deemed suspicious.” Just tell me one thing — would this “profile” have located William Krar, or Tim McVeigh, or Ted Kaczyncki? Or is the real purpose to create an excuse to spy on people who are Brown or don’t agree with the Majority party?

Gosatsu Hon: Or, 5 Books.

And finally: It turns out the Long Tail is a nice theory, but nothing more.

Have a great Independence Day, and remember what the Founding Fathers (and Mothers) were really fighting for: life, liberty, and the pursuit of happiness for themselves and their posterity.