Rick Santelli is an Idiot

I can’t believe this guy.  I heard him spouting off here about how Americans shouldn’t pay for their neighbor to have one more bathroom.  I wanted to reach into the screen and slap his ugly head.  What an idiot.

Here’s a clue, Mr. Smarty Pants:  People who are in foreclosure are in foreclosure because the system is a mess, not because they are “deadbeats” and want a free ride from the government or their neighbors.  Want to point fingers, idiot?  Point them at the banks that overvalued properties in the first place to get people into questionable loans so brokers could collect bigger fees.  Point those fingers at the lenders for telling consumers that their ARM loan wouldn’t be a problem because they would be able to refinance in three years when the rates change (and hey, rates have been going down forever, so  why shouldn’t this continue? Your payment will be lower!) while simultaneously neglecting to point out there would be no way in hell any traditional lender would refinance property that is mortgaged for more than it is worth.  And oh, be sure to keep it a secret from the borrower that refinancing will not be an option if you lose your job.  How about pointing the fingers at lenders who convinced people to take out that second mortgage or a HELOC to “consolidate their debt” without pointing out that trading unsecured debt for secured debt would make bankruptcy pointless should the need arise?  How about pointing fingers at the pathetic and useless Bush administration who drove us into an economic crisis and higher unemployment than we have seen in decades?  Let’s just blame the victim for losing their job.  They should have known to move to China or India ten years ago so they would be there when there jobs were shipped overseas.

I heard the jerk in an interview claim that buyers should have hired lawyers.  Guess what?  Lawyers aren’t free.  And assuming someone could afford $225 an hour to hire one, a lawyer wouldn’t hire an appraiser to know that the bank overvalued the property.  Plus hiring an attorney when you buy a house is theoretically unnecessary anyway.  Mortgage brokers and lenders have a fiduciary duty of care to their clients.  This means they are held to a higher standard of care in dealing with the public.  They are expected to act EXTRA honest because it is expected that they have greater knowledge about the mortgage industry than consumers.  How does this work, Mr. Santelli?  Are the consumers supposed to suddenly educate themselves so they can catch dishonest bankers and brokers?  Would you hold a patient to the same duty before going to a doctor?  Am I supposed to go get an MBA before I go to a financial expert to ensure they are upholding their fiduciary duty?  Should I get an MD before going to the doctor?

I can’t stand the mentality that we are not obligated to help one another.  Guess what?  We are all in this together.  We can sit in our foreclosed bunkers with our guns aimed at our neighbors and barbed wire wrapped around our hearts to protect us from the enemy, ensuring we keep that property because, hell, it belongs to us, right?  We don’t need to share.  Or we can grow up and realize that society at its heart means social.  It means taking responsibility for one another.  It means what we do for each other we do for ourselves. It means we care for and protect one another and when someone is down, we offer them a hand up.  Taking care of one another is the stuff life is made of.  The alternate choice is to live like Rick Santelli, cold and alone with his gun pointed at everyone, dragging his loot into the afterlife.  Good luck with that, Buddy.

P.S. Being a stock-broker might be a high risk financially, but it is not hard work.

Violence, Murder, and Hatred of Homosexuals

Homophobia needs a new name, a good and ugly name to describe what is really going on when someone hates a gay person.  Homophobia is too sanitized.  It’s just a phobia, like arachnophobia (fear of spiders) and claustrophobia (fear of enclosed spaces).  No.  Hatred of gays needs to speak for what it really is–hate, intolerance, cruelty, VIOLENCE.  It needs a word that encompasses the fear, but also everything gays have suffered because of who they are.

Too many people think homosexuality is a lifestyle choice, like a person would volunteer for exclusion, violence, and pain, as if they could become heterosexual if they really wanted to.  Such “reasoning” is taken a step further to conclude that if a person chose their “lifestyle,” everyone’s hating them for it is okay.  What a load of crap.  Even if it were true that a homosexual made this “choice,” why does that make it okay to beat, kill, exclude, or otherwise bring them harm?  It doesn’t.  No matter how you cut it, homophobia is simple hatred.

So let’s make a new word, one that encompasses what is really going on.  Homo-abhorrence, homo-detestation, homo-disgust, homo-hatred, homo-malevolence, homo-repulsion, homo-revulsion, homo-animus, or homo-repugnance all come to mind.  I’m sure there are others.   Maybe if people who don’t give the issue much thought would consider what is really going on if we called a spade a spade and stopped using an easy, sanitized word like homophobia.  Maybe they would realize it means violence and hatred.  Maybe then they would understand why it has to end.

My Response to a Comment

I received a comment from a reader of my post yesterday.  I have posted the writer’s comment here and responded individually to specifics.

“You might think that the fact that you use words as “vilify” makes you an authority on something which you obviously know nothing about.”

By phrasing your opening line with the words that I “might think” something, you limit logical denial.  However, while I “might think” using the word vilify makes me an authority on something, I don’t.  My use of the word is as a verb to describe behavior of certain people.  How is it you prove I have no “obvious” knowledge, because I did not give a history of religious bigotry in an opinion piece?  I need not give such a history; your own letter proves my point in its last line.

“You vilify Christians in the same breath you claim we vilify you.”

Show me where I say anything about Christians and show me where I vilify anything.  I am making a valid criticism of organized religion.  You jump to conclusions and take it further, ascribing my criticism to Christianity, then claim I am vilifying, all in the same breath.

“You don’t understand us, but yet we are supposed to understand you.”

Again, this comes from nowhere.  My fundamental thesis requests that we look hard at religion, that we seek understanding.  You miss this point entirely and as you do in your entire letter, making assumptions and jumping to unjustified conclusions.  You state I want “you” to understand me; does this mean you think I am in a minority and want religions to understand me?  Is it something else?  I offered an opinion, I did not ask for religious tolerance of what I had to say.

“It seems that whenever any group of people creates a movement with the same rhetoric you espouse, you want to play with a different set of rules and on a different playing field.  Your attitude and language mirrors that which you abhor in Christians.”

What rhetoric is it that I espouse, that we should look at religion’s place in furthering intolerance and bigotry?  I suppose you are right that I want to play with a different set of rules on a different playing field because I am not arguing we use intolerance and bigotry in making this examination.  And again, where in anything do I specifically mention Christians?  Where do I show abhorrence?  In asking we stop intolerance and bigotry?  Is that abhorrence?  It seems you are the one with the attitude, as well the one who is jumping to conclusions and making assumptions.

“Have you thought about that?”

Why yes.  See my previous response.

“You make leaps and bounds and speak with hyperbole, and use circular reasoning to prove your point.”

Ironic, considering this exactly what you have done through this entire diatribe. Making leaps and bounds?  You have done so by assuming I speak only of Christians.  I said religion.  Does this mean only Christianity qualifies in your narrow mind?  And where exactly is my hyperbole, in claiming religion is used as an excuse in most bigotry?  This is not overstatement; it is truth.

“I don’t think you’re going see people give up on religion.”

Did I make such a request?  No.  I said we need to look at religion honestly to see its place in bigotry.  I did not say do away with it.  Read my words, don’t jump “leaps and bounds.”

“After all, religion is a word that people don’t understand.  What we really focus on is a relationship with Jesus Christ.”

As is typical with those of your ilk, you think the only religion is yours.  There is no response to your narrow-mindedness.

“You don’t have to understand us or believe the way we believe, especially with regard to sin and our own sinfulness.  But, then again, we don’t have to understand you or believe the way you believe, either–even if you don’t want to believe that there is such a thing as sin.”

Again, as with this entire pointless rant, you make assumptions based on your own beliefs, not based on anything I have said.  And again, there really isn’t much one can do to respond to your own imaginings.

“So, I will respect you and let you live the life you want to live; but, please, respect me and let me live the life I want to live without the name-calling and generalizations.”

Name calling?  Where in what I said did I call anyone any names?  You are deluded.  And if this entire letter is your being respectful, I would hate to see what you consider disrespect.

“The proposition was voted, and unfortunately for you, you are in the minority.”

Yes, thanks to religion and the hatefulness of most people like you, bigotry is alive and well.  Thank you for proving my point.

I Have Been Sick

I have not been writing.  I have not been reading.  I have not been doing much of anything except lying in bed like a lump wishing I would feel better.  I try to do things.  I get up and go about for a bit, then I’m so sorry because of the overwhelming fatigue, nausea, and coughing.  It’s a travesty. I even got a fever, and that is extremely rare for me.  The last time I had a fever was fifteen years ago, and it put me in the hospital.  This time I just laid there like a dry stick, sucking on lozenges, popping Tylenol, dextromethorphan, and antihistamines, completely catatonic.  Yuck.

I’ve gotten some ideas.  Really, I have.  It’s possible to come up with some pretty interesting things to write about when one wakes up from coughing after the drugs have worn off at 3 in the morning.  But the thought of being upright to actually type some of these clever things into the computer is seriously more than I can manage.  I have to get up frequently to go to the bathroom because I’m trying to drown this thing (it’s not working).  Going to the bathroom is the extent of my energetic abilities.  It’s getting old, I can assure you.

I told Boyfriend today that I want him to buy some oranges because I’m going to try and kill it with vitamin C.  And some grapefruit.  Maybe if I eat a bunch of them every day I’ll kill the bad little viruses.  Plus I’ll eliminate any possibility of scurvy, and help keep the orange growers in business.  And grapefruit growers.  I’ll be doing my part.

I think it is evident from this post what my mind is capable of.  Today I took a couple dozen quizzes on facebook.  That also gives some indication of my potential mental capacity.  It’s like I’ve been working hard all week and my brain is fried.  I get the fried part, but it has not been because I have been working.  I did do some fun activities because Milla is home this week.  I went to the zoo, then came home and collapsed for 3 hours.  I went to the Statue of Liberty and Ellis Island, then came home and collapsed for 4 hours.  I went to the Union Square Farmer’s Market and almost threw up right there in front of all of the farmers.  Not fun.  Maybe all that running around is kind of like hard work and that is why I feel like I’ve been busting my ass all week.  I don’t know.  In any case, I hope I get over this soon.  I am sick of being sick.

Have We Overcome?

This piece can be seen here on Huffington Post. If you like it, buzz me up.

Isn’t it ironic that as we’re congratulating ourselves on our ability to elect a black president we are simultaneously lamenting the passage of Proposition 8? We Americans have been quite pleased with ourselves because we were able to elect a black man to the highest office in the land. I would argue that we may have overcome something, but it is not bigotry. The day we will really know we have overcome bigotry is the day we elect a black, Atheist, lesbian–THAT would be a feat.

Inherent in the post-election discussions of race and politics is the conclusion that because large segments of our population have moved away from open racism, we are beyond bigotry. Nothing could be further from the truth; we have simply traded one for another, or several others, as the case may be. And these latest forms of intolerance and discrimination are often made more palatable through religion, as open racism against blacks used to be.

Because of religion and its ever-encroaching move into the political spectrum, Americans were forced to live through an administration that would not allow medical research on single cells to help find cures for diseases in people who are alive right now. Because of religion, pro-life politicians gain support from citizens whose actual interests are ignored in favor of policies that benefit the extremely wealthy. Because of religion, all over the country laws like Proposition 8 proliferate.

In spite of Obama’s election, what America has not given up and seems loathe to give up, regardless how far backward we move socially, morally, and legally, is religion. Why should it? Religion allows people to vilify those they don’t understand. Simply claim that anything different from you is against your religion and you are protected by your God-given, inalienable right to believe.

It is truly a significant step in the right direction that a black man will be our president. It is evidence that progress is possible and that society is able to make changes that seemed impossible only decades earlier. Yet is seems to me that if we are ever able to really end bigotry, if we are ever able to end all forms of discrimination, we are going to have to take a cold, hard, honest look at religion and its role in the promulgation of hate and intolerance. Only then will we truly overcome.