Thursday, April 16, 2009

Who's winning - foreclosures or economic recovery?

Freddie Mac recently released a study that demonstrates that 43% of delinquent home loans are due to unemployment or curtailment of income (under employment). The report found that 25.5% of delinquent mortgages are due to illness or death in the family (over 47 million Americans are without medical insurance) and 16.2% of mortgage delinquency is due to excessive debt obligation.

Nevertheless, many lenders (loan servicers) continue to file foreclosure proceedings -- despite the fact that home owners have filed the proper paperwork to apply for modifications of their mortgages. And mortgage experts announced that Obama's latest options for refinancing or loan modification programs will not kick in for a few more quarters, leaving struggling, unemployed homeowners facing homelessness.

What is the result?

More bankruptcy filings.

Hence, unsecured creditors will receive little or nothing while bankruptcy attorneys attempt to prevent foreclosures on primary residences that have lost their value.

The lenders don't necessarily win either. A Chapter 13 can drag on for five years or longer before it is discharged. But a bankruptcy can help a family stay in their house with lower payments.

It appears, despite the president's best intentions, that we are caught up in a game of economic chicken. So, who do you think is going to blink first? The government or the lenders?

Free Foreclosure & Refinancing Counseling Free foreclosure and refinancing counseling is sponsored by the State of Washington

Making Home Affordable link to determine if you are eligible for a loan modification.

_________________________
Nolo defines unsecured debt as:

A debt that is not tied to any item of property. A
creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt. http://www.nolo.com/definition.cfm/term/18FCB241-F2F5-4A5B-8A7D43D2308DB8CE


From watch dogs, to attack dogs to sleaze dogs

This is the moment where I get to point out the obvious.

The attacks against Lisa McShane are not only unwarranted, they are dishonest, sleazy and designed to achieve a singular purpose -- to impugn Lisa's character, standing and reputation in the community.

In 2008, Lisa was employed by Governor Christine Gregoire to serve as a statewide Field Director for the Governor's bid for re-election against Dino Rossi.

The Governor can afford to be choosy.

She picked her campaign staff carefully, based on their talent, intelligence and ability to work closely and cooperatively with diverse groups across the state.

I don't blame Mr. Kirsch, Mr. Servais, Mr. Pratum or others for being frightened of Lisa McShane.

But the act of being intimidated by a talented and intelligent woman is not license to indulge in repetitive acts of character assassination or defamation.

If this abhorrent behavior is allowed to continue, the sleaze dogs will be setting the tone of each debate and it will be difficult to tease out the issues from the slime.

Now, it's not difficult to pick out logical fallacies in arguments. In pursuit of a healthier political climate, I would like to challenge readers to rise to the occasion and point out examples of illegitimate arguments in the media as they are published.

Let's send the sleaze dogs scampering home with their tails between their legs.

Here is a short list of logical fallacy descriptions:

Hasty Generalization: conclusion is based on insufficient or biased evidence. The author is rushing to a conclusion before he/she has all of the relevant facts.

Slippery Slope: conclusion is based on the premise that if A happens, then eventually through a series of steps, B,C, D....X,Y,Z will happen too. So, if we don't want Z to occur, we must make sure A does not occur either.

Genetic Fallacy: conclusion is based on an argument that the origins of a person, institution or idea determine its character or worth.

Circular Argument: the author restates the argument rather than publishing evidence to prove it.

Begging the claim: the conclusion that the author should prove is validated within the claim (common).

Post hoc ergo hoc: conclusion that is that if A occurred after B, then B must have caused A.

Straw Man: author oversimplifies his opponent's viewpoint then attacks it.

Either/or: conclusion oversimplifies the argument by reducing it to only two sides or choices.

Red Herring: diversionary tactic that avoids key issues by avoiding opposing arguments rather than addressing them.

Ad hominem: attacks the character of the person rather than their arguments or opinions.

Ad populum: emotional appeal that speaks to positive (patriotism, religion) or negative (terrorism) concepts rather than the real issue at hand.

There are others, but this ought to get you started.

Happy hunting!

Wednesday, April 15, 2009

Logical Fallacies, or oh what a wicked web we weave

"Political commentary serves very legitimate purposes. By exposing the behind the scenes maneuvers of political operatives, it helps citizens and potential candidates to question motives and agendas."

(Quote from John Servais) http://www.nwcitizen.us/entry/candidstes-campaigns-confabs

Sounds good, doesn' it? But the former publisher of the now defunct Whatcom Independent published an article full of inaccurate information.

Like Mr. Servais, I have my sources of political information. Unlike Mr. Servais, I take the time to research the information I am given to make sure it is accurate.

You see, logical fallacies are common errors in reasoning that undermine the logic of an argument. Fallacies can be illegitimate arguments or irrelevant points and are usually easy to identify because they lack sufficient evidence to support their claim.

In his post titled, "Candidates, Campaigns and Confabs" Mr. Servais, a professional journalist with over 31 years experience, claims Lisa McShane, a stealth political operative, managed Seth Fleetwood, Laurie Caskey-Schreiber and Carl Weimer's past campaigns.

We could call this an example of a hasty generalization (a conclusion based on insufficient or biased evidence). In other words, in his haste to defend Mr. Kirsch's character and reputation, Mr. Servais appears to be rushing to a conclusion before he has all of the relevant facts.

So I paid a visit to the Washington State Public Disclosure Commission (PDC) filings and here's what the candidates reported in the way of campaign staff.

Seth Fleetwood (2001) County Council Campaign

David Auer, Treasurer
Greg Winters, Committee Chair
Gabrielle Merrick, Finance Chair

Seth Fleetwood (2005) County Council Campaign

John Edholm, Treasurer
Greg Winters, Committee Chair

Seth Fleetwood (2007) Mayor Campaign

John Edholm, Treasurer
Jesse Solomon, Campaign Manager

Laurie Caskey-Schreiber (2001) County Council Campaign

Colleen Sutliff, Treasurer
April Markiewicz,Campaign Committee

Laurie Caskey-Schreiber (2005) County Council Campaign
Ken Mann, Treasurer
April Markiewicz, Campaign Manager

Carl Weimer (2005) County Council Campaign

Greg Winter, Treasurer
No other campaign members


Readers can verify the accuracy of the above information by visiting the PDC site http://hera.pdc.wa.gov/wx/FieldSearch.asp

Don't forget the hypen with Caskey-Schreiber's last name.

In closing, relax Mr. Servais. Your relentless personal attacks against local citizens is opening up the field for new candidates, conservative and liberal alike!

(I'm sure all of our community's "stealth political operatives" are rubbing their hands together in anticipation of your next rant).

Maybe that should be the focus of Latte Republic's next survey - who are Whatcom County's stealth political operatives?

:)

Tuesday, April 14, 2009

Kirsch Unplugged - again

http://www.nwcitizen.us/entry/she-said-he-said1

One of Lisa McShane's minions?

Shame on me!

All of this time I thought I was a token member of the De Armond, Taber and Servais gun-toting militia set.

Or, was that the puppets of David Syre set?

Wait, right-winged wacko set?

No, Servais had me listed on NW Citizen as a left to the far left set -

No, wait, I'm confused...

I wish you boys could make up your minds!

Latte Republic is a Community blog that does not accept advertising or other monetary support from members of the community.

Material posted on Latte Republic is the legal property of individual guest columnists, individual commenters and cited authors.

In the spirit of freedom, Latte Republic permits anonymous comments from readers. If you post a comment that invites criticism from other readers, please be prepared to defend it. (Your photos are welcome)!

:)

Community Capacity - building strong communities

What is the purpose of my rant against articles like "Draft McShane"?
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Again, I'm fed up with watching the feeding frenzy that is taking place among some of the media and community leaders.
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Personal attacks are designed to tear people down and diminish the respect they enjoy in the community.
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A community that is weak is a community that receives diminished government services and political influence.
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Spirited debate is good, passionate debate about the issues is better. It means people are engaged and thinking about solutions.
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But launching personal attacks against others just to cause them harm is very ugly behavior.
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Without further ado, here is today's rant, posted by someone with absolutely no professional credentials (other than a degree that is really not worth anything in a college town). Nevertheless, I am proud to part of this community and I am not afraid to step forward and state publicly, "we can do better."
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"Never doubt that a small group of thoughtful citizens can change the world. Indeed, it is the only thing that ever has." Margaret Mead
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Community capacity - what does it mean?
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If you are not familiar with the term community capacity, you may be familiar with some of the other terms that have been used to describe this concept. For example, community competence, public capital, civic capital, collective efficacy, social capital, and community building have all been defined and described with similar characteristics.
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Community capacity is about local people, working together on a one on one basis to develop skills that allow them to take control of issues affecting them, their families and communities.
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It means offering support, encouragement and guidance to encourage people to solve problems cooperatively.
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Community capacity is often described as the resources, relationships and
infrastructure that enable a community to create change. The assets (value of human capital and diverse skills) provide a foundation for building a strong, interdependent community that works cooperatively to solve economic, environmental and public health problems.
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A number of communities across the nation have organizations dedicated to promoting and building community capacity. For example, the Little Rock Arkansas school district tells us:
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Much of the work to increase community capacity relies on the process that you develop. The following includes some recommendations for developing your processes.
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Participation in planning, organizing and implementing interventions is critical to their success. It is often helpful to start with existing social groups to gain community involvement (e.g., churches, volunteer organizations). Individuals within these groups often experience a sense of belonging with others who take part in these groups and have some trust in the processes used – both of which are critical to creating and maintaining participation. Experiences with these groups can be stepping stones for future collaboration.
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Social relationships rely on trust, reciprocity, conflict resolution and a sense of community. Through commitment to the intervention, these social ties can be used to solicit participation from other stakeholders, share information, build unity and solidarity, and open doors for individuals and groups.
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Skills and resources of community stakeholders should be identified and shared in order to develop a sense of support and interdependence as well as to capitalize on existing strengths to increase effectiveness of the intervention. Skills and resources are often referred to as assets and may include experience with strategic planning, ability to facilitate meetings or mobilize efforts, funding, space, and other necessities for carrying out the project.
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Community conversations to share information and make decisions ought to be dependent on the use of consensus-based, collaborative processes. Build on existing social networks (e.g., workplace, school, clubs) and keep all community voices at the table by including everyone’s interests, resources, and needs.
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Leadership demands some very important qualities, including: communication, evaluation, coaching, visioning, collaboration, and an ability to inspire others.
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Leaders should be representative of the community stakeholders in order to increase understanding of the needs of the community and to engage the stakeholders in the identification community problems and corresponding solutions. It is also important to build mechanisms for sharing leadership roles and responsibilities. This may include providing mentoring for new leaders and creating by-laws that require changes in leadership periodically.
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Values, history and culture are essential concepts to understanding the community context. Some of the core values inherent in doing this work are equity, collaboration and social responsibility. These values may be aligned with or in contrast to the community’s values and interests. Therefore, it is critical to recognize how community stakeholders’ beliefs and perspectives, as well as their history, influence their willingness to engage or act and to encourage community stakeholders to consider alternative ways of thinking and doing.
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The following tips are provided to assist you in building the capacity of your community:
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Ensure that the partnership vision and mission supports the interests and goals of the community.
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Inventory skills, experiences and resources in the broader community.
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Attempt to align your partnership with other initiatives for mutual gain.
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Organize community-building activities and projects.
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Encourage civic involvement.
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Build or rebuild trust in the community through shared experiences and
common links to resources.
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Promote economic growth, local enterprises and job connections.
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Celebrate local talents and resources.
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Community capacity is about working together, with diverse members of the community to find solutions to problems that threaten the community or prevent it from achieving the goals it needs to achieve to be economically prosperous and healthy.
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I think we can do this - without tearing down and alienating members of the community who have demonstrated that they are committed to making Whatcom County one of the best places to live in the state.
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Yes, I believe we can do it...

Monday, April 13, 2009

Progressive Majority bus riders attempt to break into a U.S. Armory

Two Seattle Activists are arrested for an attempted break in at Armory Pullman Armory.

Sam Crawford claims that progressive bus doorbellers were not local. Is this true? Or, were members of the progressive majority bus joined by local doorbellers?

Should this news reflect badly on local candidates?

Or, who is responsible when someone is arrested, local candidates or the person who committed the infraction?

Read the entire post (with Sam Crawford's comments) here:

By the way, Mr. Mann filed his initial PDC paperwork with the PDC on April 2, 2009. It didn't get posted by the PDC until the 10th.

http://www.redcounty.com/more-left-wing-activists-attempted-armory-break

Sunday, April 12, 2009

Let's finish this -- is the practice of political libel and fraud beneficial to the community?

For the last week, Latte Republic has been posting articles on the topic of political libel and fraud. I began posting on this topic after reading an article titled "Draft McShane" by Greg Kirsch on NW Citizen. http://www.nwcitizen.us/entry/draft-mcshane1 Mr. Kirsch has posted a number of articles like the one cited above during the last year.

I have worked as a legislative assistant for two different legislators in the 42nd District. Hence, I have had the opportunity to work with a number of community leaders with diverse backgrounds and opinions. Those contacts helped me grow as an individual and develop a deeper understanding of Whatcom County politics.

I am a strong believer in our political system - the two-party system. Our system presents voters with a choice and it is believed that the system promotes political moderation as the incumbent party must be able to appeal to the ‘floating voters."

Over the years, I have watched a handful of individuals publish articles and books attacking local community leaders. Eventually, the rumors and accusations found their way into the mainstream media. The personal damage to individual reputations, regardless of political affiliation or personal ideologies, has been significant.

The question before us is - do we as a community approve of negative campaigns, political libel or political fraud?

If the answer is yes. What benefits do we derive from the activity?

If the answer is no, how do we put an end to it once and for all?

I appreciate the fact that there are a number of discussions taking place in the comment section. And, I don't want to take anything away from the debate - but I believe the question is relevant. Do negative articles, like "Draft McShane" do more harm to our community than good?