2% Solution and My daughter is a Medium

Baby Boomer Peace

Joe Moris

Ok, I love the response I received from some of you on my article explaining why a 2% Solution will save America.  Since I don’t see any activity or acknowledgment from any “powers to be”, I’m just going to stick to it until someone can explain to me the downside.

So, here it is again:

1.     Freeze all foreclosures;

2.     Make the terms of every mortgage currently owned by Fannie Mae and Freddie Mac 2% interest only for the next ten years (certainly the rest of the banking industry will follow with their jumbo loans as well). Consider it a pause in the current loan agreement;

3.     3.  Make the loans assumable one time only to family members without taxation and let anyone who has to sell for a loss avoid penalty or repayment;

4.     Give every homeowner a 3 month moratorium on their current mortgage payment;

5.     Remove Tax Deduction for interest;

6.     Let the market determine future interest rates through market forces.

That’s it.  That saves America.  Just following Obama’s new plan (HARP) just doesn’t do it.  HARP is only for squeaky clean mortgagees which doesn’t affect the foreclosure market at all.

As a real estate broker my initial reaction is who the heck is going to sell their home now?  Even if the home is way upside down?  Well (in true Reaganesque fashion) that just means homebuilders will have to fill the void for available housing.  I remember history as proving that when builders are building homes Americans are spending lots of money on goodies and government is making out like bandits (and spending like bandits too, but that is for another article).  Get used to it.  I’m going to continue to push this 2% Solution until Herman Cain finds out about it and tells me it is impractical and cannot work.  If a noted economist can tell me why it doesn’t work then I’ll shut up.  But, that’s enough for economics right now.

Let’s get to some real mysteries.  I am absolutely blown away.  My daughter Marisa has become a Medium/Reiki Healer.  She didn’t seek becoming a Medium.  She became one following the day she cried like a baby this last Easter morning, alone at home in her bathtub and accepted Christ 100%.  She was a lot like her father.  Always curious but on the fringes of believing in a creator.  I’m a true believer (since 1997…another story) and I believe that everyone comes to an understanding of God/Creator/Father at some point, but always in their own time and for their own purpose and reason.  Even noted comedian/actor and atheist WC Fields opened up his “options on his deathbed by reading the Bible.  And recently it appears Steve Jobs did as well.  But something out of this worldly happened with Marisa and because of it she has already helped so many people.  She brings Peace to people who are distraught or just plain curious of the hereafter.  Marisa has become one of a very select group on the earth today that are like wormholes to our next destination after this life.  One of the greatest mysteries that has already been proven to me is that everyone, and I mean everyone, when they die want to come back and tell their loved ones that they are ok.  But they cannot.  So, just as you grieve for their passing, they too lament because they cannot tell you that they are having a blast in Heaven.  If you like golf or like to surf or like to cook or climb mountains or sit and watch the pretty birds, you got it.  Heaven is truly heaven.  In fact you take on the body that you loved the most in this life.  And, that is typically when you were most happy in this life. When someone here on earth finds someone like my daughter it is like that person and her long gone loved ones hit the Celestial Lottery.  One thing that is true is that there is life after this life.  And, the minute you die you instantly know who you are and why you lived the life you did.  And you learn that there is a Supreme Daddy out there.

From a spiritual standpoint I worried when Marisa first experienced this gift.  I feared that it was all a trick or illusion from the dark side.  I’ve come to learn that that is not the case.  Too much good has already come from her interaction with others.  She has even healed two dogs.  Now that’s a big deal.  Most dog owners would almost rather save their dog instead of themselves.  I didn’t ask Marisa’s permission to write about her and is likely going to be embarrassed.  But, if you’re curious, go to www.discoverintuition.com and remember there are only two rules for us to live by:  Love God with all your heart and soul (you’ll understand later) and as hard as it is sometimes, love your brother and neighbor as yourself.  Simple rules, tough to follow sometimes, but what a great world this would be if everyone followed those two simple rules.

I’ll talk about Mexico, Baby Boomer and retiring a bit more next week.  I am loving this October weather in Encinitas now that I’m home again.  I guess it was pretty cold and ugly when I was in Puerto Vallarta in September but I like this weather here right now.  But, November!!  Got to love Novembers in San Diego which is historically the sunniest month of the year.  Love your brother!!  Until next time,  Later….Peace!

From the sunny shores of San Diego to the Mexican ‘Malibu’

Paradise is like a time warp. I drive with amazement at what is around me. I grew up in Southern California. I was 5 when my family came to the land of milk and honey in the mid ‘50s. To the booming metropolis of Lancaster and Palmdale and then, by 1961, it was San Diego.

We stayed at the Stardust hotel in what was Circle 7. It was a loop around Highway 80. It had seven hotels, thus the name. That was Mission Valley. There were dairies up the river east to the Mission.

I’ve watched San Diego grow. I’ve seen some of the scrubbiest unimaginative landscape turn into tree-lined communities. Little towns become big towns. Freeways. I remember how spooky I-5 looked just before it opened. Sort of like being alone after an atomic bomb aftermath. 1950s and 1960s. I saw an enormous county with dots of civilization blossom into America’s Finest City and surrounding burbs.

Now I’ve bailed out of America’s Finest City (part time), away from those frustrating fog and gray skies for the warmth and fabulous shores of breath-taking Puerto Vallarta. I fall asleep to booming thunderstorms and wake up to blue skies and the beauty of the Bay of Banderas.

Eventually I find myself driving the 45 kilometers up the coast to Punta de Mita on a twisting two-lane road with tree canopies only a stones throw from a turquoise ocean.

They call Punta de Mita the Mexican Malibu (don’t believe it? Go to my website). I drive through little funky towns that mirror what any old town in the heartland of America once was. Little Santa Fe, N.M., comes to mind. Very cool. Once old and run down.

Heck, take a drive up to Redlands in the heart of Riverside County someday. Right there adjacent to I-10 is this really quaint rebuilt downtown. Here, the little towns of La Cruz and Bucerias have that old as-you-would-expect Mexico-to-look look to it. Electric poles and wires, potholed side streets, hodgepodge of taco shops mixed with farmacias and llanta (tire) shops just waiting for a redevelopment agency.

There are new subdivisions going up on farmland less than a mile from the beach here. Everyone works. You walk through downtown Vallarta and it is Santa Barbara in the ‘50s. Everywhere you turn you see growth and opportunity. Time warp.

Even the schools are ‘50s’ish down here. They don’t have delinquency and gang problems here. Families are close. The schools require uniforms. All the young girls wear those doggone pleated skirts with knee high sox. The boys wear black pants and white shirts.

I swear I’ve been dropped into “Leave it to Beaver” land. People here take care of each other. Yet here they also have WalMarts, Home Depots and Costco’s with a bazillion acres of farmland eastward towards Guadalajara. There is so much opportunity down here it almost makes me want to be a young ambitious roustabout again.

But, those perfect rights off Punta de Mita in 80 degree water just seems a lot more fun right now. Then again it feels like I stepped into a time machine with advanced knowledge. Like I know who wins the World Series.

So, who knows, maybe there is something to that “if I could do it over again” phrase. I don’t know. Do I really want to get ambitious again? I’m supposed to be retired living on Social Security (one more month to go!!). Ah, to be a Baby Boomer. God only gives us so many days, might as well enjoy them for the gift they are.

Tonight, there’s a fiesta going on right on the beach. I can hear and see it rocking away and it’s Thursday!! I do live in a resort after all (on an Social Security budget). Wow, gotta go! They’re shooting off big fireworks right outside my balcony over the water! So cool.

Read more: Coast News Group - From the sunny shores of San Diego to the Mexican ‘Malibu’