Two Days Until Christmas

I really enjoy these last days just before Christmas. Finishing special events at the church, preparing for the Christmas Eve service, shopping, wrapping gifts, getting the house ready for company and a myriad of other tasks. These all add to the excitement of the season. I still feel like a kid when it comes to Christmas. I love the cooking smells mixed with the scent of our fir tree, candles burning and a fire burning in the fireplace. I enjoy sitting by our tree, checking the lights outside and reading through Christmas cards. I must admit that my schedule doesn't really slow down until 6 PM on Christmas Eve. But after that it's our traditional Mexican dinner with our family, our son Josh and his wife Kelly and Kelly's family. Enchiladas, tamales, chili, beans, rice, tortillas, guacamole and more. After that we're going to settle in with a fire going and watch The Nativity as a family. We'll reflect on the wonderful story of Christmas and then the kids will go off to bed. Then Kathy and I will assist Santa Claus with putting out the Santa gifts and around midnight, Kathy and I will open the gifts that we've picked for each other. We started this tradition several years ago and it is a highlight for us. This time alone is a wonderful time to express our love for each other and to remember the great blessings of God to us and our family. God is good...Emmanuel, God with us. He is for us.

Good Christmas Listening & Viewing

Two posts ago I mentioned some great reading for Christmas. Here is what I'm listening to this year. First, my son Jason, told me about a new recording by Bela Fleck and the Flectones, Jingle All the Way. The Flectones are a blend of bluegrass, fusion and jazz. One of the most unique sounds you will hear is on their song Jingle Bells. Tuvan (from the Russian Federation nation of Tuva) throat singers sing along with the Flectones. The whole album is very unique. I have really enjoyed it. Download it from iTunes for $9.99. Since our Music Department sang 4 of Michael W. Smith's songs this year for our Christmas concert, I have been listening to his album, It's A Wonderful Christmas. His first Christmas album, Christmas, is well worth downloading. The Christmas Collection by El Divo is wonderful. Every year I enjoy watching The Preacher's Wife. Whitney Houston does some superb singing in the movie. I have some of that soundtrack album downloaded as well as her album, One Wish (The Holiday Album). Josh Groban's project from last year is great, Noel. Another favorite group has disbanded :(, Wind Machine. I have worn out two of their albums, A Wind Machine Christmas and Portraits of Christmas. You can still find these Cd's on eBay and other sites, but I couldn't find a download for them on iTunes.

There are some wonderful Christmas movies we love to watch at our house. I love the Alistair Sims version of Scrooge, The Preacher's Wife, Kathy and the girls watch White Christmas, and a new favorite is The Nativity, as well as the oldie It's A Wonderful Life. Whatever you do, take some time to listen to a variety of Christmas music and watch a movie or two, it will do your spirit good.

Christmas Music

This past weekend we presented a concert titled "Emmanuel-God With Us, God For Us". Saturday the concert was attended primarily by people who do not attend our church on a regular basis, and on Sunday morning, it was basically our own church folks. We had 110 vocalists and instrumentalists involved in this year's concert. For a church that averages approximately 400 attendees, I think this is remarkable. In fact, when you consider that our String Orchestra song was played by 6 violins, 2 violas and 2 cellos, plus a harp, all from our congregation, it is quite awesome. I feel both humbled and proud, (is that possible?) to work with the people that God has given our church congregation. As we were leaving after the second performance, several people said things like, "I bet you're relieved it's over...". The truth is, somewhere near the end of the last song, in the last performance, a little bit of sadness creeps into my emotions. After 4 months of rehearsing, it's a little sad to put away music you've lived with for so long. Since I begin planning and picking music in the summer, it feels like I'm putting away old friends. Today I'm putting away music stand lights, extension cords, percussion equipment, etc., because we're done, until next year. The main thing is that we had the opportunity to tell the story again, and to set an atmosphere where Emmanuel could touch the hearts and lives of people who were in our congregation during the concert with His love and hope, especially during this holiday season. We had prayed in advance for people to be invited to come who desperately needed to have an encounter with Emmanuel. Time will tell...

Christmas Reading

Over the years I have collected quite a number of Christmas books. Collections of stories, poems and other writings, Christmas fiction and inspirational Christmas writings. I also have a collection of short Christmas stories that I have gleaned from many different sources. I have shared many of these stories with our family, friends, our congregation and other groups. I think it is great to read "the" Christmas story with your family, but also, to share other people's experiences and writings. Here are a few suggestions:
This year Glenn Beck has written a wonderful, true story titled "Christmas Sweater"
Richard Paul Evans has written a number of Christmas novels, beginning with "The Christmas Box" in 1995. http://richardpaulevans.com/richards-books/ lists all his books and descriptions.
Max Lucado has written a number of Christmas books as well. One in particular stands out, "Cosmic Christmas". This is a great telling of the story of Christmas and the Father's love for us.
A collection you may be able to find in the bargain section of the major bookstores is "Norman Rockwell's Christmas Book." There are some wonderful stories that are well worth sharing with your family. A couple of my favorites are The Miraculous Staircase by Arthur Gordon and Christmas Every Day by William Dean Howells.

One of my fondest childhood memories is reading books by the light of the lights in our Christmas tree. I would lay on my stomach and get as far under the tree as possible to read whatever book I was currently reading. Since we didn't have a television in our home until I was 14 years old, reading was one of our family's favorite pastimes. While I don't lay on my stomach under our trees now, I still enjoy sitting as close as I can, smelling the scent of pine and reading a favorite book. In fact, that sounds so good maybe I'll do that tonight...

Christmas Lights

I love all the lights at Christmas. For several years, Kathy and I worked at the PTL Network and we had a million lights throughout the park every Christmas. It was wonderful to drive in or out at night during the Christmas season. Here in St. Louis we love going to the Shrine of Our Lady Of the Snows to see the lights, or drive through the Busch headquarters. But I also love the lights on the outside of our house, and on the inside. I enjoy reading or watching television in our living room with just a lamp to read and the mini white lights on. We have them on our tree, on garland on the stairs and on our fireplace mantle. Tonight I sat at the piano in our sanctuary and rehearsed music for this weekend's Christmas concert with just a piano lamp and the white lights on the big wreaths and 12' tree that are in there. After I finished rehearsing, I sat and played for another half hour or so, Christmas carols that I love to play. I've been toying with the idea of recording another piano CD and tonight I was really inspired by the atmosphere as I experimented with different chords and rhythms for some of the carols. I think I'll work on the arrangements through the winter and record next summer. I probably shouldn't bury the mini white lights too far in our Christmas boxes, I might need to pull them out for inspiration when it's 95 degrees outside and humid and I'm inside recording Christmas music.

I think I love the light because of what it does to the darkness. Even the smallest light pushes the darkness away. It is not a wonder that a name for Christ is Light of the World. It is so fitting that we use Christmas lights during this season. Even people who treat this as a completely secular holiday put up lights, symbolizing the Light of the World. If you feel the darkness of the press of life surrounding you, go find some Christmas lights. As you view their beauty, ask the Light of the World to surround you with His light. He will...

Sometimes Life Is Life

Two weekends ago the flu made its way through part of our household. We lost a weekend trying to get everyone well. This weekend, on Saturday, Kathy had to have emergency dental extractions. On Saturday Nicole began complaining of a lot of abdominal pain. I spent part of the day with Kathy at the dentist and then Saturday evening we tried to determine what we needed to do for Nicole. By Sunday morning she could not stand the pain and Kathy took her to the emergency room while I went to church early to begin my normal grueling Sunday schedule. To add to this Sunday, we had a lunch and Christmas rehearsal scheduled for our choir, orchestra and youth ensemble. Since there was a children's musical presented in the 11:00 service, Kathy and I had planned to do all the preparations for lunch so everyone else could hear the musical. Except, now Kathy is at the ER. Physically I'm at the church, but emotionally I'm with Nicole. Kathy is trying to text me and keep me up-to-speed, however, the ER at St. Luke's Hospital is in a basement bunker. It was very hard to get a cell signal. Kathy and Nicole finally got home in the middle of the afternoon, however, Nicole's pain did not lessen at all. They were not convinced that the ER doc had done everything he could have. By Sunday evening, we called the ER, found out another physician was now on the floor, and Kathy took Nicole back. This time they admitted her and she is there tonight, for a second night. We still do not have a diagnosis and Nicole's pain is still fairly intense. I spent the morning with her so Kathy could work at her job for a few hours and then I went to the church to set up the Choir and Orchestra areas so that theatrical lights could be set tonight. Tomorrow we need to complete the setup so we can have our first concert run through on Wednesday evening. Oh, did I mention that this coming weekend is one of the biggest weekends of the year for us? We're doing a major Christmas concert on Saturday and Sunday. As you know, the Christmas season adds its own busyness, and then along comes "life". Life's events do not adhere to schedules or events. Life just happens. I thank God that I can rely on Him for calm, for direction and for help in determining what I need to be doing when my orderly plan has been suddenly shot to pieces. Peace on earth, goodwill to men... thank you, Lord.

Too Much To Learn, So Little Time

I get frustrated at times with all the things I want to learn, but do not have the time to take a class, or sit for hours with a manual. For instance, I would like to have some graphic design skills. I am not an artist, so design comes hard, but computer graphic design has leveled the playing field somewhat. I would love to take some graphic design classes. I would also like to understand the engineering of my computer, and to be able to troubleshoot both the hardware and software. More classes... Or how about home repair issues. Right now I'm having trouble with our furnace at home. There is a lot of great information on the Internet, but there are a few things that I need to know that aren't there. I'm sure there's a class for that. We have a seminary down the street from our church, with a Master's program in Church Leadership with an emphasis on Administration that I would love to begin. And then there is theatrical lighting systems, large hall audio systems and the list goes on and on. Sometimes I feel like I know enough to be dangerous, to myself and the equipment or process I'm working on. I think that what I need to do is to set some priorities for the new year and figure out which things are the most important, and attainable. Then find out which things at the top of the list are affordable from both a time standpoint as well as financially. Sometimes being a "jack-of-all-trades" can be frustrating, but then again, if you are always learning, you can always be productive. Oh yea, there is one more thing I need to learn. High school algebra. When I'm helping our kids with their homework I can usually arrive at the right answer. However, I have no idea how they are teaching algebra these days, and the process of finding the right answer. I wonder if there is a class for that?

A Huge City

Sunday evening we had our annual Thanksgiving dinner at our church. After dinner, The Servant Quartet presented an evening of music and inspiration. As I was listening to one of the songs about heaven, the lyric mentioned "the city foursquare". For some reason, that phrase stuck in my mind. I refreshed my memory of its dimensions, scripture tells us that the city that God is preparing for us will be 1,500 miles wide, 1,500 long and 1,500 high. This city is huge. We are given the outside dimensions of the city but we are not told how high the levels are. If each level was a mile in height, there would be 1,500 levels. If each level was a half of a mile high, there would be 3,000 levels. If each level was ¼ of a mile high, then there would be 6,000 levels. If the levels were 1/8 of a mile high, then there would be 12,000 levels. We simply do not know. Regardless of the number of levels, There will be plenty of room for all of the redeemed through all the ages. We will not be packed in like a bunch of sardines. There will be elbow room. Jesus is preparing mansions for us and not condos. During the concert I calculated, (on my phone) that if the levels were a mile apart, the surface area of this heavenly city would be 3,375,000,000 miles square. Over a trillion square miles! To compare that to something we are familiar with, the earth's surface area, including water, is 196,935,000 square miles. What an incredible thought - even though it is hard to imagine. One of these days we'll wake up to an unbelievable sight, unbelievable, but real...

Was Christmas Ever Like A Thomas Kinkade Painting?

One of my favorite things to do at Christmas is to see the artwork that has been creatively painted and produced. Everything from manger scenes, to snow scenes, mountain villages, you get the picture. (pun intended) I have two Terry Redlin prints in my office that hang all year round. They are both wonderful country snow scenes with churches in the background and houses decorated for Christmas. Even though I know that the artwork is from the imagination of the artist, when I look deeper into some of these paintings and prints, I wonder if Christmas was ever like they portray. A village where everyone knows everyone, where the love and spirit of Christmas permeates everything people do. Where family gatherings seem to come directly from a movie script and memories linger well into the next year. I realize that Christmas really becomes what you make of it and I have celebrated some great ones. Just once, I'd love to be in a mountain town, with a carpet of snow, sleighs for taxis, roasted chestnuts on the corner. Our family all together in a big log cabin, with a huge fireplace and Christmas tree to match. We'd spend our time playing games, reminiscing about how good God has been to us, and just spending unhurried time together. We'd walk the postcard streets of the mountain town, greet everyone we met, sip hot chocolate, throw an occasional snowball and simply have a great time. Maybe I'm describing a time yet to come, where multiple generations will spend time together, rejoicing in the birth of our Lord, with Him with us. Christmas is what you make it. Make it grand!

A Must Read

In my last blog I told you about reading The Shack. I have finished the book and I highly recommend it to you. If you have trouble knowing God as a loving, unconditional embracing God, you must read this book. It is available at any of the major booksellers, or you can order it at www.theshackbook.com. This book came at a good time in my thinking because I have been overwhelmed with the process of thinking, praying through and talking to God about the way our church can reach people that live around us. In the latest issue of Outreach magazine, there is a mini-poll asking American adults, "What is an Evangelical Christian?" Here were the answers:

I have no idea 36%

A type of Christian 9%

Closed-minded 4%

Zealous/devoted 9%

Fanatics 5%

Impose beliefs on others 3%

Rely on the Bible 8%

Follow Christ 1%

If we follow Christ, we love, unconditionally. We don't force, protest, tear down, argue, demean. We love, just like God loves us. Read the book and we'll keep this discussion going.

The Shack

I am just about finished reading a wonderful book titled The Shack (Where Tragedy Confronts Eternity) by William P. Young. It is a story of a father and husband who is dealing with the tragic loss of a young daughter. Mack is experiencing what he calls The Great Sadness. A depression and sadness so deep that it is crippling life for Mack. During a severe ice storm, a note in Mack's mailbox invites him to meet "Papa" at the shack, a place in the woods where the reality of his young daughter's violent demise was discovered. I won't ruin the story by telling it all here, (you really need to read this book), but I can tell you that chapter 15 will have a profound effect on you as you see one possibility of eternity through this author's word pictures.

The one thing that has been so good for me in reading The Shack is helping me visualize God. I was raised in a fairly legalistic environment and from early on my view of God was someone who punished sin and responded to every mis-deed that I made. While I know that God loves me unconditionally, I still have difficulty putting that into a mental picture that I can equate with a loving God. I have struggled with consistent prayer throughout my entire adult life because I so often revert back to the image of a task master/punisher God, rather than a God who is my "papa", one who loves me and really wants me to spend time with Him, or in the case of The Shack, her. I'll let you read about that. :) Tonight I'll finish the book, and I think I'll make a note to re-read it again during the Christmas holidays. It's that kind of book!

November 4, 2008

By all accounts, yesterday was a historic day. Tuesday is normally my day off. Yesterday I spent 15 hours of it helping people, in precinct 435 in St. Louis County, vote. My specific assignment was to set up the touch screen machines for each voter, and to assist voters using paper ballots insert their ballot into a scanner that tabulated their vote. I arrived at 5am with 8 other team members and we got to work transforming the library of the Gambrill Gardens Retirement Community into a polling place. At 5:50am we were ready to go and we opened our polls with over 100 people in line at 6:00am.

Here are several observations that interested me. First, because of the location, we had hundreds of senior adults vote. Many of them needed help reading the ballot, using the machines, and even navigating the room. One lady I was leading to the touch screen machine tripped on a cord and knocked over the voting machine. I was able to hold her back from completely falling to the floor and hitting her head on a metal bookshelf. While the machine was damaged, the lady I "caught" only had a minor scrape on her arm. I'm sure she was sore today, but she was able to vote. I have a new appreciation for people who work with senior adults as a profession. The second observation was all the young voters, particularly those who were voting for the first time in a presidential election. Many of them came with marked sample ballots that they had spent time with, going over the candidates and issues. The third observation was that approximately 90% of the registered voters in our precinct actually voted. This was a great turnout. I thoroughly enjoyed the interaction with people as they waited in line for a free machine or paper ballot booth. I hundreds of short conversations and met a lot of nice people.

At 7:00pm we closed our polling location and started the tear down process, which included preparing the vote totals so they could be quickly tabulated at the central location. At 8:00pm I left the location, tired, but glad for the experience of being part of a historic vote. At 11:00pm I watched our new president deliver his acceptance speech, shed a tear for what could have been, resolved to pray for and be supportive of our new elected officials and then went to bed. The result could have been different, but not bad for a day off...

Christmas Is Just Around the Corner

I just purchased my third manger scene this year. In fact, it will go in my office this week to join two others that I keep up all year long. The other two new ones will stay at home and will go up the moment Kathy lets me put them out, maybe when we're cleaning up the dining room and kitchen after Thanksgiving dinner.

I am just a big "kid" when it comes to Christmas. Over the next weeks leading up to the actual day, I'll write several blogs about special memories and events, plus share a story or two. Here's the first wonderful memory.

I was raised in a Spanish speaking church. As a child, I could hardly wait each year until the annual Christmas pageant was held in our church. I remember this huge stage that stretched for hundreds of feet in each direction, with a cast of hundreds portraying the wonderful story of Christ coming to earth. It seemed like every adult in our church was in costume. Even though I had the story memorized, and I struggled to understand all the words (after all, it was in Spanish), it was new and fresh every year. To top it all off, as each child left the sanctuary that night, they were given a bag full of candy, nuts and a piece of fruit. Since my grandfather was the founding pastor of the church, I usually left with him and he was always the last one out. That usually meant that if there were any extra bags, I would get two. Every year I fell in love with the story again, and as I learned how to play the piano better, I began to contribute a little bit to the celebration. Even now, I can see the outline of the Inn, the stable with the manger, straw and farm animals drawn on the stable walls. What great memories...

Several years ago I had the opportunity to poke my head inside the church for a look, after having been gone from San Jose for many years. I couldn't believe how small the stage looked. How did they get all those people up there? I even checked to make sure that they hadn't remodeled the stage and reduced the size. Fortunately, when I think back and visualize those wonderful pageants, I see them like I remember them as a child. I wonder if they still do a pageant at the church? It would be great to visit one Christmas. Too bad the church isn't "just around the corner".

Election Day 2009

Next Tuesday, November 9th, I'll be working in a polling location near our home. I "cut my teeth" earlier this year on the primary election. We only had a 20% turn out, so it wasn't very busy. Since Missouri is considered a swing state, our county election board is predicting a 90 to 95% turnout of registered voters. That means I better eat my lunch and go to the bathroom before I get there because there isn't going to be any time to do either one once the polls open. For this election I am a "Republican Assistant Supervisor". My primary duty will be to set up the paper ballot counting machine and set up the touch screen devices. During the day I, along with the Democrat Assistant Supervisor, will set up the touch screen devices for each voter and assist paper ballot voters in recording their votes by properly inserting their ballots into the reader. It's a long day. We have to arrive at the polling place by 5 AM and have one hour to set up and open the polls at 6 AM. At 7 PM we'll station one of the workers at the end of the line and no one can get in line after 7 PM. When the last person in line has voted, we begin the tear down of the equipment and insure that the paper tape records that will be used to count votes are properly secured and everything is properly transported to our drop off location. If we're lucky, we should be home by 8:30 PM. I'll probably collapse in a chair in our family room, eat some supper and watch the early returns. During our time in the polling location, we must be completely neutral. We cannot say anything about any candidate or ballot measure. In fact, if someone needs help voting, both a Republican and Democrat worker must give assistance as a team. This is to insure that no one is influenced one way or the other.

I can tell you one thing I'll be doing all day, and it's the same thing I've been doing for weeks. I will be praying for God's will and His intervention in this election. In 2000, George W. Bush was well behind Al Gore in the polls going into the election. Exit polling showed Gore winning by a large margin, and yet, when it was all said and done, "W" pulled it out. Again in 2004, John Kerry was the polls winner going into the election, but "W" won by a greater margin than in 2004. Many people are saying that this election is over, but I can't believe that God would allow our country to be exposed to the kind of moral changes that would further erode our values and standard of living. For weeks, every time I hear a political ad, or see a yard sign, or anything else that reminds me of this election, I breathe a prayer for God's will and His intervention. I believe that is exactly what happened in 2000 and 2004. On election day, at my polling location, I won't be saying anything political, but I'll be praying "up a storm" while I setup the touch screen machines for people to vote. Throughout the Old Testament, God setup leaders and He took them down, both for the Israelites as well as surrounding nations. The same God is still doing that today!

Transitions

The life of a career associate pastor can get real interesting when the senior pastor you are working for, and with, decides to do something else. It seems that this is a signal for the proverbial "chicken with it's head cut off" syndrome to begin. Suddenly, formally level headed leaders don't seem to know what to do, people in the congregation start wringing their hands in anticipation of the 'worst case scenario", and people begin to act like God didn't know that any of this was coming.

In the church I serve, we've just been through this process. It went amazingly well. Today we are officially installing our new senior pastor, 22 months after our former senior pastor announced his retirement. You can read his reflections on this day, http://www.jaredstoner.blogspot.com/. This is the fifth transition that I have made, and this is by far the best one. In the other situations, either we looked down the road and saw that it was not going where we wanted to go, or other people looked down the road and decided they didn't want us along for the ride. For now, my book boxes are still in storage and I'm planning for 2009.

One of my all time favorite Hillsong songs is Show Me Your Ways
Show me Your ways that I may walk with You,
Show me Your ways, I put my hope in You;
The cry of my heart is to love You more, to live with the touch of Your hand,
Stronger each day, show me Your ways.

Do You Remember the Days After 9/11?

I still remember the first Sunday after the bombing of the World Trade Center towers on 9/11/01. I saw people in our congregation that I hadn't seen in months. There was also a group of people that I had never seen before. There was a sense of expectancy, a sense that people were there to connect with God. There was urgency and a little despair. I think as a country, we realized that the "war" had come to our shores and it was possible for it to touch us right here in the middle of the country.

While we didn't see a lot of new people in our church services immediately after the revelation of our national financial crisis, I'm getting some of the same feelings from people that were present after 9/11. I think this is another wonderful opportunity for God's church to demonstrate to a watching nation what real trust and security in Christ is all about. While we do not have an "inside track" to knowing the future, we know the One who knows the future. We can depend on His word that tells us that He will never leave us or forsake us. His Word tells us that when we gather in His name, His presence will touch us, inspire us and help us worship Him.

Now, with an incredibly important national election just 3 weeks away, and our shaky economic outlook, we need to help people understand that God really does care. We need to share the fact that He is interested in our individual lives and He is simply waiting for us to call out to Him. Sadly, sometimes it takes a crisis for some people to draw near to God. Regardless of what it takes, let's do everything we can to help people find Him.

Milestones

This past weekend my family and I traveled to Columbus, Ohio, to help celebrate a milestone birthday for my mother, her 80th. We also celebrated my dad's 89th birthday. 3 of my mom's sisters and some of their children we able to attend along with both of my sisters and my brother. 35 of us had a wonderful time sharing memories, catching up on each family and eating until we were stuffed. One of the high points was taking the time to have each of my parent's children and grandchildren who were in attendance, give their personal thoughts and thanks for the impact that my parents have had in their lives. There was the recounting of great memories and events, thanksgiving for wise counsel and guidance, and financial and other support through the years. One comment that came up repeatedly was about the giving nature of both my dad and mom. Both of them worked hard through the years to provide for us. We never really wanted for anything, but we never had much left over either. It was amazing, however, to hear about specific incidents where my dad and mom gave time, or money, or whatever they had to someone who needed it. I remember going with my father every Saturday morning, for several years, to an elderly lady's home and chopping wood for her wood burning stove. She cooked and heated her home with wood. She would have the wood delivered and my dad would come over and chop enough kindling and wood for her to use for the week. My job was to take the chopped kindling and wood up from the basement to a box where this lady would use it from. On the next Saturday we would go back and do it again. My dad didn't get paid for doing this, in fact, he would refuse any payment when it was occasionally offered. When the lady passed away, he didn't get a mention in her will, or even a thank you from the family. We just showed up one Saturday morning to chop wood and found out she had passed away.

Now that we are home, and this most recent celebration will be added to our memory book of great times, I'm thinking about my own personal giving. Would I be willing to give a couple of hours every Saturday morning to someone who really needed the help? Am I so busy with my own "important stuff", that I miss the real need around me? I hope not. Now that this memory is so fresh in my mind, I'm going to be looking a lot closer for people who could use my help.

Interesting article and observations

One of the blogs I read is written by Tim Stevens, the Executive Pastor of Granger Community Church in Granger, Indiana. In a recent blog about our current financial mess, he cited an article by Steven A. Holmes written in September, 1999 and published in the New York Times.

In a move that could help increase home ownership rates among minorities and low-income consumers, the Fannie Mae Corporation is easing the credit requirements on loans that it will purchase from banks and other lenders. The action, which will begin as a pilot program involving 24 banks in 15 markets -- including the New York metropolitan region -- will encourage those banks to extend home mortgages to individuals whose credit is generally not good enough to qualify for conventional loans. Fannie Mae officials say they hope to make it a nationwide program by next spring. Fannie Mae, the nation's biggest underwriter of home mortgages, has been under increasing pressure from the Clinton Administration to expand mortgage loans among low and moderate income people and felt pressure from stock holders to maintain its phenomenal growth in profits.

In addition, banks, thrift institutions and mortgage companies have been pressing Fannie Mae to help them make more loans to so-called sub prime borrowers. These borrowers whose incomes, credit ratings and savings are not good enough to qualify for conventional loans, can only get loans from finance companies that charge much higher interest rates -- anywhere from three to four percentage points higher than conventional loans. ''Fannie Mae has expanded home ownership for millions of families in the 1990's by reducing down payment requirements,'' said Franklin D. Raines, Fannie Mae's chairman and chief executive officer. ''Yet there remain too many borrowers whose credit is just a notch below what our underwriting has required who have been relegated to paying significantly higher mortgage rates in the so-called sub prime market.''

Demographic information on these borrowers is sketchy. But at least one study indicates that 18 percent of the loans in the subprime market went to black borrowers, compared to 5 per cent of loans in the conventional loan market.
In moving, even tentatively, into this new area of lending, Fannie Mae is taking on significantly more risk, which may not pose any difficulties during flush economic times. But the government-subsidized corporation may run into trouble in an economic downturn, prompting a government rescue similar to that of the savings and loan industry in the 1980's.
''From the perspective of many people, including me, this is another thrift industry growing up around us,'' said Peter Wallison a resident fellow at the American Enterprise Institute. ''If they fail, the government will have to step up and bail them out the way it stepped up and bailed out the thrift industry.'' (Continue reading here...)


It's possible Peter Wallison was a prophet. Or, perhaps, just a smart economist who knew that if you loan money to a bunch of people who can't afford to pay you back--it might just come back to bite you some day. It's okay, though, because there are no consequences. We, the taxpayers of these United States, will bail out the lenders and the borrowers. In fact, we'll bail out anyone. Even the Red Cross continues to spend money it doesn't have, and this week asked the government for a $150 million bail out.

I'm not smart enough to figure it all out. But I think I'm smart enough to only spend money that I have. And I'll save a little, because when the government raises my taxes to pay for this mess, I'll need to be ready.

Re-Connecting

One of the real phenomenons of the Internet age are the numerous social networking programs that have become so popular. In fact, many people say that connecting via programs like Facebook, MySpace, Twitter, and others, are replacing traditional emails. Did I say "traditional". Emailing is as common today as sitting down to an IBM Selectric typewriter was just a few years ago and sending out "snail mail" letters. Now, email can be so slow. Emails will probably be replaced by newer technology before we know it. Another amazing aspect of all this is that I get notifications and messages on my phone. I can add a friend or send a message via a text message. By the time I get to my computer, my Facebook communications are old news.

A few months ago I opened a Facebook account because I wanted to use some pictures of a building project in Mexico that had been posted in an album there. I assumed that would be about it... Now several months later I have well over 100 "friends" and I have re-connected with people that I haven't talked with or seen for many years. I have reminisced with old friends about wonderful memories, re-established a couple of relationships that had fallen off because we lost touch, and simply have "had a ball" seeing everyone out there. Since Kathy and I have lived in several parts of the country, I thought it would be fun to re-connect with at one person from every part of the country we lived in. It's been amazingly easy and I'm well on my way to achieving this goal. I have realized, however, that this can be an addictive pastime and I've got to be careful about good time management. Gotta go, I just got another notification...

Who's Bailing Out Who?

If you've been following the Congress as they work through legislation to solve our current financial crisis, you know by now that the Senate passed a 450 page bill last night. Included in that bailout bill are new tax earmarks for:

Film and Television Productions (Sec. 502)
Wooden Arrows designed for use by children (Sec. 503)
6 page package of earmarks for litigants in the 1989 Exxon Valdez incident, Alaska (Sec. 504)

The bill also extended previous earmarks for:

Virgin Island and Puerto Rican Rum (Section 308)
American Samoa (Sec. 309)
Mine Rescue Teams (Sec. 310)
Mine Safety Equipment (Sec. 311)
Domestic Production Activities in Puerto Rico (Sec. 312)
Indian Tribes (Sec. 314, 315)
Railroads (Sec. 316)
Auto Racing Tracks (317)
District of Columbia (Sec. 322)
Wool Research (Sec. 325)

Here we are, in one of the most difficult times in our country's history, and personal and pet projects get added to an already obscene amount of taxpayer money. These are examples, and there are many more, of the kind of government corruption and misuse of tax dollars that we have chafed at for many years. What it tells me is this, that even in the face of devastating circumstances, I'm still going to take care of myself first, period, end of debate. It saddens me to think that in the greatest country in the world, we can't work together to solve these problems and put each other first for a change. I am more convinced than ever that God must help us intervene in changing the direction that we are going in as a country. Greed and corruption must be uncovered and there should be a standard of righteousness held up that causes us to stop doing the same unethical things over and over. What am I going to do about this? Pray, call or email my representatives and ask them not to vote for the House of Representatives bill that will validate the Senate bill, and participate in conversations to help educate myself and others on what we are doing to our country if we don't begin to take some responsibility, and vote the rascals out of office in the next election.