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Showing posts from June, 2012

Politics: Constitutional doesn't equal good idea

That is my take away from the just reported decision regarding the Affordable Care Act.

The key quote lifted by the CNN.com article:
In his opinion, Roberts appeared to note the political divisions of the health care law, writing that "we do not consider whether the act embodies sound policies." "That judgment is entrusted to the nation's elected leaders," the opinion said. "We ask only whether Congress has the power under the Constitution to enact the challenged provisions." The narrow focus of the ruling on key issues such as the individual mandate -- limiting it to taxing powers rather than general commerce -- represented the court's effort to limit the government's authority. "The framers created a federal government of limited powers and assigned to this court the duty of enforcing those limits," Roberts wrote. "The court does so today."

Just as the saying is true, what is legal is not necessarily moral, what is cons…

Life: First time home buyer experience, part I

We have moved in to our new place!  
Don't plan to write a whole novel on the experience but would like to process the experience by sharing a few observations on the process in some blog posts.
Step one:  look over your finances.
Given the amount of time, effort and funds, purchasing a home is quite a process since most of us aren't swimming in dollars!  Most banks have first-time home buying educational web pages that help you figure out key financial questions: What will be your monthly expenses will be?  What kind of downpayment you will need?
Identify a lender you will likely get a mortgage from and get pre-approved.  That letter helps the seller take you more seriously.
Step two:  figure out where you would like to live given the financial constraints you identify from step one and start looking at places and neighborhoods.
Here is where a realtor could be helpful.
We worked with Glenda Lousignont.  She knows the part of Los Angeles County we were interested in. 
Mrs. Ramb…