Whether Democrat or Republican, I think you’ll get a kick out of this!

A little boy goes to his dad and asks, “What is Politics?”

Dad says, “Well son, let me try to explain it this way:

I am the head of the family, so call me The President.

Your mother is the administrator of the money, so we call her the Government.

We are here to take care of your needs, so we will call you the People.

The nanny, we will consider her the Working Class.

And your baby brother, we will call him the Future.

Now think about that and see if it makes sense.”

So the little boy goes off to bed thinking about what Dad has said.

Later that night, he hears his baby brother crying, so he gets up to

Check on him .

He finds that the baby has severely soiled his diaper.

So the little boy goes to his parent’s room and finds his mother asleep.

Not wanting to wake her, he goes to the nanny’s room. Finding the door

Locked, he peeks in the keyhole and sees his father in bed with the nanny.

He gives up and goes back to bed

The next morning, the little boy says to his father, “Dad, I think I understand the concept of politics now. “

The father says, “Good, son, tell me in your own words what you think

Politics is all about.”

The little boy replies, “The President is screwing the Working Class

While the Government is sound asleep. The People are being ignored and the Future is in deep shit.”

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The Federal Reserve and the condition of the market have combined to make the home mortgage industry revert to much more traditional lines. This has had several effects on both lenders and consumers. For consumers, the situation is a two edged sword, though lenders stand to gain as much as ever, albeit at a slower pace.

For consumers, this means that credit ratings are no longer the yardstick by which your loan paying abilities will be measured. While for some this may be a bad thing, for others it can definitely help out. These consumers are those with good income but who have a less than stellar credit rating due to past indiscretions and poor financial management.

Since credit scores no longer have so much emphasis placed on them, a borrower’s income will be used to judge whether or not a loan should be extended to them. This is actually a much wiser way of doing business than by simply extending a loan to any consumer that has a good credit rating. That way of doing business is partly responsible for the housing market crisis now enveloping the nation.

Lenders stand to gain simply because their loans are much more likely to be paid in a timely manner. By only extending finance options to consumers with a proven income sufficient to make the payments, lenders can begin to rebuild their industry with a much more sound financial footing.

So, while the new lending procedures may seem out of place, they actually stand to benefit both lenders and consumers through better loans, better payment ratios and a better economic position for both parties. While it may take more time than some would like, this promises to be the best way to rebuild the housing industry and the home mortgage loan industry.

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What it was for school choice in Georgia. A good start to be sure, but there is work to be done. Thursday, the House passed HB 881, a bill that would create a state-level alternate authorize for charter school, by an overwhelming 120-48 count. This was a bipartisan effort and the debate really underscored the desire of legislators to do the right thing on one hand, and some to fully entrench the power of school boards and educrats on the other.

Change is needed and that is the bottom line. I won’t bore you with statistics, but in Georgia, public education generally sucks. Even where schools do measure up to standards, the bar is so incredibly low that many high school grads cannot compete against other American kids, let alone those from abroad. Unfortunately, reform is 15 years from implementation by many accounts. Charter schools are a viable, proven alternative to traditional public schools. Critics call for more funding, better teachers, but at what cost and when? Why should we sacrifice a generation of children to the alter of the bureaucrat? Charter schools are an interim solution, one that can sustain us until we can get meaningful reforms. To reject them if qualified betrays not only the taxpayers that are supposedly represented, but it betrays our children who deserve better than to be educated based on where they live.

Choice is needed. Charter schools are public school choice. Isn’t it odd that the same liberals that call for us to come in line with the rest of the world on issues of defense, trade, and the global income redistribution scheme that is global warming but ignore the rest of the world on issues of education, healthcare and taxation?

Regarding healthcare, liberals the government to control access to plans and heavily regulate medicine, pharma, and insurance. However, the British, who have had a heavily socialized system of healthcare for half a century are beginning to seek privatization of services. The same goes for the Canadians, who routinely come to the US and pay out of pockets for life-saving services that may take weeks to be administered at their neighborhood hospital.

As for taxation, we are nearly the only Western nation left that has a graduated income tax and our liberal friends are calling for a steeper graduation. Obviously 1% of the population paying over 35% of taxes just isn’t enough. The most other nations have a flat tax that is truly equal. And by the way, a graduated income tax is tenant #2 of the Communist Manifesto.

Finally, we come to education. Go take a look at Sweden, my conformist liberal friends. The Swedes are in the early years of implementing a fully private education system. It is vouchers for everybody and their achievement, along with their neighbors the Fins, is among the highest in the industrialized world. Oh yeah, “free” public education, tenant # 10 of the Communist Manifesto. You won’t find that little fact at a campaign rally, will you?

Choice breeds excellence. Choice breeds innovation. Choice breeds achievement. Take a look at public schools before charter schools entering the market and after. Look at the postal service in the post-UPS world. Compare the USSR and US during the Cold War.

In Georgia, we have a chance to better the lives of our children and make this state a better place to live by giving parents more options in education. Don’t stop this progress. Be part of the solution, not the problem. For once, be anti-establishment on an issue. Support public school choice. Support HB 881.

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