Helping People Avoid Foreclosures the Right Way

Brad Warbiany has it right when he talks about the Neighborhood Assistance Corporation of America:

…these guys (a private group) are helping people, so I’m not going to criticize them in any way.

This is how people are helped in a free market.  Those with a vested interest in the success of the individuals who borrowed money from them try to make the best of a bad situation. 

Unforunately, there are plenty of other people, Charles Schumer for instance, who want the federal government to bail out people who borrowed money they can’t pay back, which is basically helping the companies who shouldn’t have loaned them in the first place.  Never mind the fact that the federal government itself already runs at a deficit.

I’ll spell it out for you on simpler terms, with the middle man removed.  You and I will be forced to provide someone else with housing by paying back a loan they took out with a bank who shouldn’t have loaned them the money in the first place.

Surely the banks will expect this money back with no interest.  Right.  Here’s an article that tells the whole story without the common sense slant I just provided.

Free Market at Work in the Blogosphere

There is quite a soap opera going on at Just Another Pretty Farce regarding Mrs. Coble’s issues with JL Kirk & Associates.

Here’s a quick synopsis:

  • Mr. and Mrs. Coble felt ripped off by an employment agency, and she blogged about it.
  • JL Kirk & Associates got mad about that, and one of their employees posted some comments on to her post on Mrs. Coble’s site (that was stupid). These comments were rather nasty, especially coming from a company trying to defend itself publicly.
  • Mrs. C. has now received a letter threatening a lawsuit if she does not remove her post(s) about JL Kirk & Associates as well as all associated comments. I suspect this has little to do with their desire to eliminate her original post, and more to do with the venemous comment one of their own employees left there.
  • Countless people will now read the account of what happened, most of whom probably would not have read the account had she not been sent a threatening letter and had it picked up by the blogosphere.
  • Many more people will view JL Kirk & Associates as scam artist jerks than ever would have before. Whether they are scam artists and/or jerks is beside the point. They’ve gone a long way through their comments on Mrs. C.’s blog and by sending a letter to give that impression.

Their own actions will hurt them significantly more than Mrs. Coble’s ever could have. You have to love the free market.

Here are some highlights of the comments left by a JL Kirk & Associates employee in her original post:

And by the way, in Mrs. Cobles’ [sic] case, we would recommend (free of charge) to further her writing “career” she learn to spell “wizardry” and polish her grammar and punctuation skills.

Well, couldn’t we all use a little help there now and then? But free of charge? That’s going above and beyond helpful!

…Mr. Coble has had difficulty with sustained upward mobility.

Is the writer trying to stoke some sort of class warfare fire?

That comment is simply stupid.

This could be broadly applied to most comments on most blogs, but usually isn’t what one says when trying to win over an audience. I seriously doubt you’ll hear that in a presidential debate, although it wouldn’t be untrue.

Mrs. Coble’s spiteful meanness precluded her from asking me about it.

Mean and spiteful? I like Mrs. Coble!

Do a Google search on Katherine Coble! She is an angry, opinionated basher of many things

I don’t need to do a Google search. This statement sold me. From this day forward, I vow to be a reader of Katherine Coble’s blog and to never do business with JL Kirk & Associates out of fear that they will send certified junk mail to my house and an unprecedented amount of traffic to my blog.

On second thought…

More Important Legislation in Tennessee

This one will require mandatory HIV testing of PIMPs (Prostitution Industry Management Professionals).

This has taken things too far.  It’s about time someone stand up and push for deregulation of PIMPing.  It has gotten to the point that PIMPs are so busy filling out gov’ment paperwork and making sure they are abiding by all of the codes that they hardly have time time to concentrate on their core business–smackin’ ‘ho’s and foldin’ bank.

Free market enthusiasts unite!  If the state continues to create more and  more bureaucracy for sex industry management professionals Continue reading “More Important Legislation in Tennessee”

Do Smoking Bans Cause DUIs?

From the KNS:

”As the U.S. Surgeon General said last year — the debate is over, the science is clear. Secondhand smoke is a serious health hazard that causes premature death and disease in children and nonsmoking adults,” said Conte.

That statement is certainly true, and I’m not contesting it.  However, there is one small detail to this issue that proponents of smoking bans overlook–the freedom to choose. Continue reading “Do Smoking Bans Cause DUIs?”

Dollars – The American Language

One of the big issues surrounding the illegal immigration debate is language. Here in Tennessee, legislation has been sponsored to limit the languages of state documents to English only, and there have been other issues involving foreign language books in public school libraries. It seems to be old reliable for anti-immigration people–attack the fact that immigrants can’t/don’t/won’t speak English.

Continue reading “Dollars – The American Language”

Pacman Gore

Bob Krumm on the Tennessean’s scoop reporting tactics.

I don’t understand criticism of the Tennessean for filling its pages with stories about an ignorant thug who happens to play a sport.

Sure, on the surface it seems like a ridiculous story for a major newspaper to follow, but not when you consider that they held the Gore story (a real story) without running it.

It’s what those in the big newspaper business call a “news offset”.

The Great Society Part II?

The Liberty Papers are painting a scary picture for our future…

Further, if things get bad, you can expect a quick increase in the level of socialism in this country. In an effort to placate both American big business and American voters, you’ll see the government take over health care. As a result of the inflation government will cause, you’ll quickly see them try to institute price controls and wage controls, like the 1970’s. All the while, they’ll blame scapegoats like outsourcing companies, while their own inflationary policies are causing the problem.

Pretty soon there won’t be anything left to socialize, then what? The whole article paints a pretty bleak picture. The ARMs, interest only loans, and baloon loans that have propped up the real estate market are some of the most worrisome. As bad as it is going to be for all those people who thought the ride would never end, it sure would be great to be sitting on a big mountain of cash.

Why Competition and Free Markets Benefit Everyone–Professional Wrestling

Huh? Think professional wrestling has nothing to do with legitimate competition? Read on…

I’m proud to admit that I’m a big fan of professional wrestling. I have been since I was a kid. Back then, when I thought it was real, I was drawn in by the characters, the storylines, the drama, and the suspense. Now that I’m all grown up and I’m wise to the game, I love it for the exact same reasons. The only difference now is that I seldom watch the matches anymore. Thanks to TiVo, I’m able to forward through them in order to get to the interviews and trash-talking. As I said, the characters and the storylines are what make it great for me. Continue reading “Why Competition and Free Markets Benefit Everyone–Professional Wrestling”

I Called This One a Looooong Time Ago

Google entering the corporate software market.  Actually this is a step toward what I’ve predicted will happen.  Currently, Google’s model is to host all of the information on their site.  Some companies will have an issue with this, which is reasonable. 

I’ve predicted Google’s ultimate objective will be to sell an appliance that runs inside the corporate intranet.  The hardware will be bought/leased from Google, and no corporate information will get past the company’s firewall.  Google will maintain and patch the appliance from Mountain View, so users will always have the most up to date versions with the latest patches.  This will free up IT departments to deal with other issues, like keeping Microsoft patched and secure.

The big gotcha here is that all the users need to run the software is a browser.  Enter simplified versions of opensource OS’s that do nothing but run a browser.  Google can take a big bite out of Microsoft, not necessarily by stealing market share, but by eliminating a large part of the office suite and operating system markets entirely.