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Showing posts from July, 2012

Politics: Negative ads and the undecided voter

There you have the race right now.

About 46% for the President and 45% for his opponent.

Baring some unforeseen event, that is pretty much going to hold steady.

The elections is in the hands of 9% of the voters who are undecided.

One can produce the most positive rose-colored ad for your favorite candidate and his opponents will not be swayed.  Likewise, the most negative ominous ad, outrageous or factual, will not sway the supporter away from his/her support.

Nonetheless, I do hope there will be some positive ads along the way so the undecided voter doesn't base her/his choice exclusively on fear or disdain.

Life: First Time Home Buyer Experience, Part II

Our bid process was relatively uneventful.

We made an offer.  The seller made a counter offer.  We accepted.

The train began running down the tracks!

The loan process

It is a lot of paper work so get on that right-away.

We got the feeling the industry is pretty competitive as the rates and fees cited by three mega-banks (Chase, Wells Fargo and Bank of America) was pretty much the same.
Since we have a lot of our financial services handled by Bank of America, we went with them.  
Everyone has a horror story about bank mix-ups in the loan processing.  
On one hand, I'm surprised given how many loans are processed over the decades you would think the process is well worked out.  But on the other hand, so many hands touch the documents that something inevitably gets fouled up.
I won't name names at Bank of America but, on the whole, our customer service experience from them would not get an "A" rating; maybe a "B-" and more likely a "C."  
Maybe my exp…

Non-profit of the month: July 2012 - Venice Family Clinic

There is an ongoing debate on how medical care and health insurance should be regulated. I suspect that is going to continue going on for a long time! But, in the meantime, I'm very happy to support organizations like Venice Family Clinic.

This organization is helping provide medical care for low income, uninsured and underinsured people in the westside of Los Angeles county at multiple sites.

I'm pleased to read on their webpage that they get a lot of support from UCLA Medical Center (I'm a UCLA alum), Santa-Monica-UCLA-Orthopaedic Hospital (I'm a research at the Orthopaedic Hospital Research Center) and Cedars-Sinai Medical Center (I've worked there as well as been a patient there). 

These types of medical service non-profits meet needs in local communities and need our support.

Regardless of whether you think the Affordable Care Act is helpful or not to the overall situation in the USA, you can find an organization like Venice Family Clinic in your community …

Non-profit of the month: June 2012 - Stand to Reason

Enjoy and have learned a lot from the Stand to Reason podcasts. The extended comments given on the show on current issues of theological, philosophical and ethical importance is helpful. When one hears about those kinds of issues from Time magazine, Los Angeles Times newspaper or the television news, it is usually from a worldview that says there is no god. Worldviews matter because they serve as a foundation and filter for thinking about things. Layered on top of the worldview is the logical steps taken by people when they think through issues. On the podcast, I've learned that the logical mistake most often made in contemporary discussion of issues is the genetic fallacy. This is the problem where an idea is dismissed because of the person or origin of the idea. An example of this kind of thinking: (A) people believe god exists because they need something to help them through the difficulties of life; (B) therefore, god doesn't exist. Statement A actually tells us …