Wintery Knight

…integrating Christian faith and knowledge in the public square

Obama administration pressuring banks to lower mortgage lending standards

Remember the housing bubble and the mortgage lending crisis of 2008? Well guess what – the Democrats want an encore.

Investors Business Daily explains.

Bankers warn the administration’s new “disparate impact” home-lending regulation will wreak havoc in credit markets, replacing merit standards with political correctness.

The Department of Housing and Urban Development issued the controversial new anti-discrimination rule earlier this year. Now enforced by every federal regulator dealing with banks, it has the effect of criminalizing credit standards used to qualify borrowers for home loans.

Last week, the Mortgage Bankers Association and Independent Community Bankers of America jointly filed a Supreme Court brief arguing that under the new HUD rule:

“Virtually every lender in the United States could be sued for using non-discriminatory credit standards simply because variations in economic and credit characteristics produce different credit outcomes among racial and ethnic groups.”

In their 33-page brief, filed in support of a landmark housing case pending before the court, they complain that HUD recently launched 22 separate investigations against lenders alleging that their policies of requiring minimum credit scores “had a disparate impact on minorities in violation of the Fair Housing Act.”

Dozens of similar actions have been brought against lenders by Attorney General Eric Holder. He is basing claims of bias on statistics showing differences in loan outcomes by race while ignoring racially neutral credit-risk factors that explain those differences.

Under disparate impact’s low standard of proof, the government doesn’t have to show lenders intentionally discriminated against borrowers.

For the first time in history, businesses are being ordered to justify the necessity of a certain level of return on investment given the racial impact resulting from the use of credit-score thresholds.

The mortgage trade groups argue the formalized disparate-impact rule also effectively criminalizes other legitimate business practices, including minimum down-payment requirements, sliding loan rates and the charging of brokers’ fees.

Banks today face increased litigation risk simply by complying with sensible lending standards for hedging against risk.

[...]The social engineers and race demagogues in this administration are trying to enforce a balance in financial outcomes that risks another collapse of the housing market. The Supreme Court must put an end to a scheme so reckless, unfair and unconstitutional.

Does that sound familiar? Yes. In the last recession, the government forced banks to make risky loans in order to increase home ownership. That is exactly what gave us the 2008 recession.

Excerpt:

[Democrat] Congressman [Barney] Frank, of course, blamed the financial crisis on the failure adequately to regulate the banks. In this, he is following the traditional Washington practice of blaming others for his own mistakes. For most of his career, Barney Frank was the principal advocate in Congress for using the government’s authority to force lower underwriting standards in the business of housing finance. Although he claims to have tried to reverse course as early as 2003, that was the year he made the oft-quoted remark, “I want to roll the dice a little bit more in this situation toward subsidized housing.” Rather than reversing course, he was pressing on when others were beginning to have doubts.

His most successful effort was to impose what were called “affordable housing” requirements on Fannie Mae and Freddie Mac in 1992. Before that time, these two government sponsored enterprises (GSEs) had been required to buy only mortgages that institutional investors would buy–in other words, prime mortgages–but Frank and others thought these standards made it too difficult for low income borrowers to buy homes. The affordable housing law required Fannie and Freddie to meet government quotas when they bought loans from banks and other mortgage originators.

At first, this quota was 30%; that is, of all the loans they bought, 30% had to be made to people at or below the median income in their communities. HUD, however, was given authority to administer these quotas, and between 1992 and 2007, the quotas were raised from 30% to 50% under Clinton in 2000 and to 55% under Bush in 2007.

[...]It is certainly possible to find prime mortgages among borrowers below the median income, but when half or more of the mortgages the GSEs bought had to be made to people below that income level, it was inevitable that underwriting standards had to decline. And they did. By 2000, Fannie was offering no-downpayment loans. By 2002, Fannie and Freddie had bought well over $1 trillion of subprime and other low quality loans. Fannie and Freddie were by far the largest part of this effort, but the FHA, Federal Home Loan Banks, Veterans Administration and other agencies–all under congressional and HUD pressure–followed suit. This continued through the 1990s and 2000s until the housing bubble–created by all this government-backed spending–collapsed in 2007. As a result, in 2008, before the mortgage meltdown that triggered the crisis, there were 27 million subprime and other low quality mortgages in the US financial system. That was half of all mortgages. Of these, over 70% (19.2 million) were on the books of government agencies like Fannie and Freddie, so there is no doubt that the government created the demand for these weak loans; less than 30% (7.8 million) were held or distributed by the banks, which profited from the opportunity created by the government. When these mortgages failed in unprecedented numbers in 2008, driving down housing prices throughout the U.S., they weakened all financial institutions and caused the financial crisis.

Reduced lending standards caused the last recession, and now the same party that pushed for reduced lending standards are pushing for reduced lending standards again. Hold onto your hats, there’s a storm coming.

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Occupy Wall Street mom divorces husband for $85K, abandons her kids

Tom sent me this article from the New York Post. Read the article and decide who you think is to blame.

Excerpt:

She’s protesting banks — but still getting a bailout.

The Florida housewife who abandoned her family to join Occupy Wall Street is divorcing, giving up custody of her four kids and taking a big payout from her husband.

Professional protester Stacey Hessler is legally splitting from her hubby, Curtiss, but not before waltzing off with a portfolio that includes cash and his 401(k) retirement fund, filled with stocks and other instruments of American capitalism.

The divorce settlement, filed Oct. 16, awards Occu-Mom the $79,585 fund and a $5,800 bank account. Her total take: $85,385.

The filing lists Curtiss’ occupation as banker and says he earns $65,000 a year. Her job is listed in court papers as “protester” and her employer as “Occupy Wall Street.” Annual salary: $0.

Divorce papers cite “irreconcilable differences” for the split, saying the 19-year marriage “is irretrievably broken.”

One OWS protester who knows her says that Stacey’s devotion to the movement caused the divorce but that she was unfazed by the breakup.

“She didn’t seem sad about any of it,” the source said. “It was just so matter-of-fact.”

[...]But she did respond when a Post reporter asked about a YouTube video showing her making out with another protester during an Occupy “Kiss In” on Valentine’s Day.

“I actually made out with four guys,” she said, laughing wildly.

Curtiss, 43, initiated the divorce in Volusia County, Fla., where the couple raised their family about 25 miles west of Daytona Beach.

So who is to blame? The bad woman who did bad things? Let’s take a look at it.

Who is to blame when things go wrong in a relationship?

My view is that the man in the story is to blame, because I think that whenever something goes wrong in a relationship, then the person whose expectations are dashed is to blame. The reason why I think this is because you have to take people as you find them and then vet them as if they were job applicants applying for the job of marriage. The job of marriage has very specific requirements, and these requirements are objective. Someone is going to have to raise the kids, someone is going to have to cook the meals, someone is going to have to earn the bulk of the money, someone is going to have to deal with the beasties that invade the home. The goal of the relationship is not to test the person to see if they are “fun” or whether your friends are envious. The goal of the relationship is to test the person for the role they will play in the marriage.

Does it work in reverse – are women responsible for their bad choices?

What I’ve found is that although many people see that the man is responsible when he makes a bad choice, they don’t see the reverse situation. So consider the case where a man has sex with and then dumps a woman, who expected him to marry her and have children. Who is to blame? On my view, it’s the woman who is to blame. The man was bad before she got there, and you cannot expect a bad man to act good, just because you imagine that he will. And giving him recreational sex won’t make him act good – even if you imagine it will. Imagination is not the equivalent of passing an interview with the woman’s father, and getting the father’s approval. Imagination is not a 12-year resume with no gaps. Imagination is not a $500,000 investment portfolio. Imagination is not a paid-off home. Imagination is not a handful of reference letters from his former girlfriends. If the woman relied on her imagination when choosing a bad man, then the woman is to blame for the bad man’s bad conduct. She needs to take responsibility.

Sometimes, what I’ve noticed is that women tend to focus on the bad thing that the men do that is counter to their expectations, because they project a standard of morality onto the man that the man expressly repudiates. In fact, I have actually met atheistic women who think that atheistic men should act based on some standard of morality. But the problem is that neither the atheist woman nor the atheist man accepts any objective standard of morality. If there is no designer to the universe, then the universe is an accident, and there is no way that we OUGHT to be. If there is no way we OUGHT to be, then there is no point in expecting anyone to be any way – it’s just your opinion against their opinion. So you have a woman expecting a man to act according to some standard that she doesn’t think is real by her own worldview!And meanwhile, the good men are passed by because we are “too strict”, “too religious”, “too moral”, “too chaste”, “too sober”, “too predictable” and “there is no chemistry”. (Chemistry = emotional craziness)

My conversation with a Christian woman

I had a conversation with a Christian woman a while back about this, and she could not see how a woman could be responsible for her choices in the same way that the man in the news story was responsible for his choices. So I invented a new example to show how men could be to blame, unlikely though that may be, since men are perfect in every way. This time, I imagined what would happen if a stripper-gram woman showed up at my door. I actually told the woman I was chatting with that I had to go because a stripper-gram HAD shown up. I told the woman how attractive the stripper was, and how I was in love with her, and wanted to marry her. How she undoubtedly was very wealthy, and well educated, and how she would help me to raise little Michele Bachmanns and William Lane Craigs. I waxed eloquently on her B.S. in integrated science with a minor in philosophy, her M.A. in economics and her Ph.D in International Studies. All of which I had no evidence for, except for the feelings aroused by the sight of her naked cleavage. Besides, I explained, it would be easier for me to change her to match my vision of her after we were married.

At this point, my debating partner began to see the point. She could see that this imaginary stripper was going to dash my expectations, and probably cheat on me, and spend all my savings on shoes, handbags, dresses, jewelry and breast implants. And who would be to blame? ME! Because I am the one who was refusing to court her properly, and instead inventing an entire future life together that the imaginary stripper and I had never discussed. The stripper had never demonstrated that she capable of meeting those requirements – or even willing to try. I never asked her to try – and that’s my fault.

Why some women make bad decisions about men

I actually know a Christian-raised atheist woman who co-habitated with a left-wing, global-warming atheist and then got pregnant and had an abortion, and she blamed the man for this. As if an atheist should be expected to believe in objective moral values and marriage! As if the man had been able to get her to co-habitate and get pregnant without her consent! She accepted no responsibility for her choice of this man whatsoever. And when I told her about the dangers of pre-marital sex and the importance of courting rules, she dismissed them as being too strict, claiming that a good job, chastity, virginity, apologetics, a firmly-grounded Christian faith, a rational basis for morality, sobriety, and so on, were all totally unnecessary for a sensible successful marriage. Still! After all that! Her criteria for a man? First, “chemistry”, which is another word for physical attraction. And second, the approval of her very impractical, immature peer group. After all that, she still rejected the idea that standards for choosing the right man were important and should override her emotions.

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Is Mark Driscoll afraid to hold women accountable for their own choices?

Watch this video.

Who is to blame for this woman’s troubles? Well, I agree with Driscoll that her family, the church and other Christians were to blame for not telling her the truth about sex. On that we all agree. Christians do a lousy job of explaining sex to young people, because they don’t want to talk about “dirty” stuff, and they don’t want to use arguments and evidence, and they don’t want to go outside the Bible to give real reasons and evidence. But thumping the Bible is a poor response to peer pressure and pop culture.

But she and Mark Driscoll also seem to think the man is to blame. Is the man to blame?

Well, the man certainly did bad things, but I think that none of these bad things could have happened to this woman in particular if this woman had not first chosen this man from all the other men that she knew, and then given him the opportunity to do these bad things. Without her own free choices, she would never have been harmed. So her own bad choices played a part in her suffering but she didn’t mention her own choices at all. So, let me take a look at how she could have made better choices below.

Can women expect a non-Christian man to act like a Christian man?

Women need to be careful to realize that they should avoid being alone with non-Christian men, especially when they are not even old enough to be dating men at all. That’s what courting is designed to prevent, by the way – the man has to go through the father to get to the woman, and they need to be accompanied by a chaperone at all times. And in any case, a woman can get love without touching a man just by listening to the man’s words, reading his writings, letting him serve her, washing a car together, and accepting gifts from him.

Women: you don’t go to a deserted beach with a non-Christian man. Don’t take risks like that. Especially when you have probably already done a lot with the guy. And don’t drink alcohol, it impairs your judgment. The purpose of men is to marry them, not to have a good time with them. No alcohol is allowed!

Paul says that you cannot expect non-Christians to act like Christians, which is exactly what many Christian women do.

1 Cor 5:9-13:

9I have written you in my letter not to associate with sexually immoral people—

10not at all meaning the people of this world who are immoral, or the greedy and swindlers, or idolaters. In that case you would have to leave this world.

11But now I am writing you that you must not associate with anyone who calls himself a brother but is sexually immoral or greedy, an idolater or a slanderer, a drunkard or a swindler. With such a man do not even eat.

12What business is it of mine to judge those outside the church? Are you not to judge those inside?

13God will judge those outside. “Expel the wicked man from among you.”

And, 2 Cor 6:14-16:

14Do not be yoked together with unbelievers. For what do righteousness and wickedness have in common? Or what fellowship can light have with darkness?

15What harmony is there between Christ and Belial? What does a believer have in common with an unbeliever?

16What agreement is there between the temple of God and idols? For we are the temple of the living God. As God has said: “I will live with them and walk among them, and I will be their God, and they will be my people.”

Christians should not pursue non-Christians romantically – it’s disrespectful to God to leave him out of your romantic operations.

Women can stop a lot of the bad behavior of men just by choosing authentic Christian men by using rigorous objective criteria to evaluate men. If a woman chooses a non-Christian man, then she cannot complain if he acts like a non-Christian man. And there is more to a man being a Christian than just saying that he is, memorizing Bible verses and singing praise hymns in church. Christianity is a worldview. It has to be applied across the board. Christian women need to study to develop a Christian worldview of their own so they know how to evaluate the worldviews of candidate men.

What else can we learn from the video?

Here are a few more things that stood out to me in the video:

  • She should take more responsibility for their actions, instead of blaming others
  • She should study these things (not just the Bible!) on her own before she starts dating, to know why God puts these boundaries in place to protect her from harm
  • Her parents should have studied these things (not just the Bible!) more, and helped her more by being more convincing, to know why God puts these boundaries in place to protect her from harm
  • The church she grew up in should provide her with extra-biblical arguments and evidence from the objective external world so that she could resist ideologies like atheism, postmodernism, liberalism, feminism, etc. – she can’t act morally unless she believes that God exists and that morality is real

Women should also know that the decision to have sex before marriage with a man who isn’t a Christian doesn’t magically change him into a Christian. Sex isn’t magic. It doesn’t cause a man to like a woman, or to fall under her control.

Women go to school for 4 years to learn a trade and they need to put some effort into studying courtship rules so they can be wise about their own choices with men. Jumping into a car and trying to drive it without lessons is a good way to get killed. And emotions, intuitions, peer-pressure and pop-culture don’t help you to know how to drive a car. Be careful, think for yourself.

I also recommend that young, unmarried women  become informed about anti-family, anti-father policies. If women don’t want to be hurt by men, then vote for stronger families, lower taxes, and policies that promote good husbands and good fathers. Girls need to see love modeled between a husband and wife as they grow up, and they need to have fathers in the home. Good public policies encourage men to marry and stay married.

Women need to get better criteria for choosing men

A while back, I posted on some of the criteria women have for choosing men, and here are a few:

  • Being tall
  • Being aloof and disinterested
  • Playing a musical instrument
  • Well-dressed
  • Stylish shoes
  • A deep voice
  • Handsome face

What do women expect when they choose men based on criteria like that? It makes no sense to blame a bad man for being bad. He’s BAD! Don’t go near him, he’ll be bad to you, too!

Shouldn’t women judge themselves first, before judging a man?

Shouldn’t women begin by removing the plank in their own eye before removing the speck from the man’s eye?

I think an excellent first step would be for Christian women to take a good look at the music they listen to, the movies they watch, and also what they read. Are they listening to Melissa Etheridge, watching “Thelma & Louise”, and reading Margaret Atwood? Are they informing themselves about truth in many areas, like economics and cosmology, so that they can make informed choices of men? Are they building resistance to cultural trends?

What is wrong with the woman in that video?

Shouldn’t this woman have put some effort into testing out the claims of her parents and the church by reading the Bible itself? I mentioned reading extra-biblical stuff but even the Bible doesn’t ground anything that she was doing or anything the church was telling her to do that was wrong. Driscoll seems to think that women are not obligated to read the Bible, and that if someone in the church tells them a lie, then the church is to blame. But shouldn’t we expect people who attend church to test these things out for themselves? I realize that she wasn’t a Christian, but in order to take responsibility, she could have said “I should have checked things in my Bible and so I share the blame”. She doesn’t say that because she doesn’t blame herself at all for anything that happened. Well, probably she went to church for the singing and never read what the Bible had to say – or didn’t take it as an authority. But she never blames herself for either one of those.

I noticed that she claims that if the church tells her something and she does it, then the church is to blame. Well, the church (or at least her parents) undoubtedly told her not to have sex before she was married, but she didn’t mention that in the video. Why not? Well, she only mentions things that other people tell her to blame them. When they tell her the right thing and she doesn’t do it, she doesn’t mention what they told her. Because she won’t blame herself for any reason. And Driscoll has nothing to say about that, either.  Any time the church tells her something bad and she does it… it’s the church’s fault. Any time the church tells her something good and she DOESN’T do it… she just doesn’t mention it because she isn’t responsible for anything she does – it’s always the fault of someone else.

I don’t mind if she explains the circumstances surrounding WHY she made bad choices. I don’t even mind the bad choices, because I make bad choices. I just don’t like her blaming other people, I especially don’t like her blaming bad men. Bad men are bad. Don’t blame them for not being good – it’s your fault for choosing them. There are other men who are good who get no attention from women at all.

We need to learn from Theodore Dalrymple

Remember this post?

Excerpt:

With increasing frequency I am consulted by nurses, who for the most part come from and were themselves traditionally members of (at least after Florence Nightingale) the respectable lower middle class, who have illegitimate children by men who first abuse and then abandon them. This abuse and later abandonment is usually all too predictable from the man’s previous history and character; but the nurses who have been treated in this way say they refrained from making a judgment about him because it is wrong to make judgments.

And again:

Why are the nurses so reluctant to come to the most inescapable of conclusions? Their training tells them, quite rightly, that it is their duty to care for everyone without regard for personal merit or deserts; but for them, there is no difference between suspending judgment for certain restricted purposes and making no judgment at all in any circumstances whatsoever. It is as if they were more afraid of passing an adverse verdict on someone than of getting a punch in the face—a likely enough consequence, incidentally, of their failure of discernment. Since it is scarcely possible to recognize a wife beater without inwardly condemning him, it is safer not to recognize him as one in the first place.

This failure of recognition is almost universal among my violently abused women patients, but its function for them is somewhat different from what it is for the nurses. The nurses need to retain a certain positive regard for their patients in order to do their job. But for the abused women, the failure to perceive in advance the violence of their chosen men serves to absolve them of all responsibility for whatever happens thereafter, allowing them to think of themselves as victims alone rather than the victims and accomplices they are. Moreover, it licenses them to obey their impulses and whims, allowing them to suppose that sexual attractiveness is the measure of all things and that prudence in the selection of a male companion is neither possible nor desirable.

Read the whole thing, you young women. And judge men hard. It’s good to judge them beforehand so that you don’t have to condemn them for being bad later.

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Are churches preparing women to choose real men for husbands?

First, I want every one to take a look at this verse on providing for a family  in context: (1 Tim 5:3-8)

 3 Give proper recognition to those widows who are really in need.

4 But if a widow has children or grandchildren, these should learn first of all to put their religion into practice by caring for their own family and so repaying their parents and grandparents, for this is pleasing to God.

5 The widow who is really in need and left all alone puts her hope in God and continues night and day to pray and to ask God for help.

6 But the widow who lives for pleasure is dead even while she lives.

7 Give the people these instructions, so that no one may be open to blame.

8 Anyone who does not provide for their relatives, and especially for their own household, has denied the faith and is worse than an unbeliever.

And these verses on charity in evangelism: (Phil 4:10-19)

10 I rejoiced greatly in the Lord that at last you renewed your concern for me. Indeed, you were concerned, but you had no opportunity to show it. 

11 I am not saying this because I am in need, for I have learned to be content whatever the circumstances.

12 I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want.

13 I can do all this through him who gives me strength.

 14 Yet it was good of you to share in my troubles. 

15 Moreover, as you Philippians know, in the early days of your acquaintance with the gospel, when I set out from Macedonia, not one church shared with me in the matter of giving and receiving, except you only; 

16 for even when I was in Thessalonica, you sent me aid more than once when I was in need. 

17 Not that I desire your gifts; what I desire is that more be credited to your account. 

18 I have received full payment and have more than enough. I am amply supplied, now that I have received from Epaphroditus the gifts you sent. They are a fragrant offering, an acceptable sacrifice, pleasing to God. 

19 And my God will meet all your needs according to the riches of his glory in Christ Jesus.

Now I want to talk about a very disturbing trend that I see in the church. I see a lot of women who are not prepared to choose men who are going to fill this provider role. Men have a role, straight from the Bible, to provide for their wife and children, and to donate to support evangelistic efforts. And providing is not predicated on how a man makes a woman feel. Providing is based on the things such as:

  • working for money before you are legally able to work for money
  • working summer jobs during high school and college
  • working during college or doing college degrees while working full-time
  • doing consulting work or running your own business from home in the evenings
  • studying science, technology, engineering and math (no exceptions!)
  • not drinking alcohol or smoking cigarettes – no addictions of any kind
  • not spending money on hair, tattoos, clothes, shoes or flashy junk
  • own your own car, and keep it well-maintained
  • own your own pet, and keep it healthy and well-trained
  • pay your rent or mortgage payments on time
  • carry no debt, borrow no money
  • avoid depending on government welfare or student loans
  • not taking sick days, not getting sick at all
  • purchasing resources for others, especially things like apologetics books, to build them up
  • giving charity to solid Christian speakers and funding apologetics events (William Lane Craig debates)
  • making investments in stocks or real estate
  • maxing out 401K contributions and Roth IRAs
  • taking women out on dates, driving them in the man’s own car, and paying for everything
  • spending money to help the pro-life and pro-marriage causes (Morse, Klusendorf)

And I think you have to give bonus marks for getting up early, although I can’t do that. I know someone who does, though – the hardest working software engineer I know.

Women should not prefer young men who are studying political science, psychology, English, education, grievance studies, and other non-quantitative subjects which do not equip a man to provide enough salary and savings to run a Christian life plan (homeschooling or private Christian schools or both). What ends up happening is that there is a lot of fighting over money, especially with women who don’t have savings of their own before marrying. Without money, the children will likely get pushed into public school and they influenced by secularism and leftism.

What to do? Pick a man with a proven record of taking his responsibilities to study and earn seriously.

Here are some of the top earning careers:

Best Undergrad College Degrees By Salary – Full List
STARTING MEDIAN PAY MID-CAREER MEDIAN PAY
Petroleum Engineering $97,900 $155,000
Chemical Engineering $64,500 $109,000
Electrical Engineering (EE) $61,300 $103,000
Materials Science & Engineering $60,400 $103,000
Aerospace Engineering $60,700 $102,000
Computer Engineering (CE) $61,800 $101,000
Physics $49,800 $101,000
Applied Mathematics $52,600 $98,600
Computer Science (CS) $56,600 $97,900
Nuclear Engineering $65,100 $97,800
Biomedical Engineering (BME) $53,800 $97,800
Economics $47,300 $94,700
Mechanical Engineering (ME) $58,400 $94,500
Statistics $49,000 $93,800
Industrial Engineering (IE) $57,400 $93,100
Civil Engineering (CE) $53,100 $90,200
Mathematics $47,000 $89,900
Environmental Engineering $51,700 $88,600
Management Information Systems (MIS) $51,000 $88,200
Software Engineering $54,900 $87,800

I think that marrying someone who is not in one of these careers makes no sense at all, especially in light of a global recession.

And just to be clear, this is an area I struggle in myself. I am great at working for money, and saving it and investing it. But I say a lot of controversial things and a lawsuit would not be good for my fortune. I should be spending more time on evenings and weekends keeping my skills up, and that’s what I’m going to be doing on my vacation. But I think the standard stands regardless of my own abilities to meet it. It is the standard.

Money is an important part of the Christian life. The Bible says that if a man does not work, neither shall he eat. We have a tradition on what men are supposed to do in Christianity. Men are supposed to take care of business, and women are supposed to prefer men with proven records of taking care of business. Being handsome and fun is nowhere in the Bible as a qualification for men to be good husbands and fathers. But earning money and providing for others in the community is a non-negotiable requirement. It’s as required as the obligation to not marry a non-Christian man.

Women who are serious about Christianity will prefer men who meet the specifications laid out in the Bible. And this has to have been demonstrated over the course of years – a pattern of studying hard things, working multiple jobs, spending little, saving much and supporting family and evangelism.  To me, a woman who prefers a man who has no record of providing is a woman who has been influenced by feminism. She rejects the traditional roles of men and insists on a man who is has no authority to lead because he does not have the provider role. That’s what’s really going on here. Men who earn have authority to lead and hold a woman accountable when she misbehaves, and some women hate being led and being held accountable. (By being held accountable I mean disagreeing with the woman, canceling optional goodies, etc.)

I think we have a major problem in this society, and in the church, where we think that women are above criticism. We think that anything they feel like doing is a good idea. We think that their complete lack of rational thought and lack of planning in relationships is somehow “romantic”. We think that women who embrace spontaneity and ignorance of statistical data are “free spirits”. Is it any wonder that the out-of-wedlock birth rate is 42%, the divorce rate for first time marriages is 45%, and women are shacking up with unqualified men instead of getting married?

This is all – all - caused by the fact that women have no idea what men are for, and they deliberately prefer non-judgmental, non-theologically-exclusive, non-rational, tolerant, intuitive, wusses instead of men who give them hard books to read and who hold them accountable when they misbehave. Women today think it is a bad thing when a man holds her accountable when she disrespects him in public, but think it is a good thing to date a man who asks his parents to borrow the car keys before taking her out. Huh? I had a current year car with only 7500 miles on it at age 17 – because I was working two jobs in high school, and part-time IT/desktop publishing in my own business on the side.

Women who are interested in testing a man’s abilities can use my checklist for finding authentic Christian women. Those questions work on men too.

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Thomas Sowell explains why third-world countries are so poor

Thomas Sowell

Mary sent me this article from TownHall.com.

Excerpt:

The idea that the rich have gotten rich by making the poor poor has been an ideological theme that has played well in Third World countries, to explain why they lag so far behind the West.

[...]There is obviously something there with very deep emotional appeal. Moreover, because nothing is easier to find than sins among human beings, there will never be a lack of evil deeds to make that explanation seem plausible.

Because the Western culture has been ascendant in the world in recent centuries, the image of rich white people and poor non-white people has made a deep impression, whether in theories of racial superiority– which were big among “progressives” in the early 20th century– or in theories of exploitation among “progressives” later on.

In a wider view of history, however, it becomes clear that, for centuries before the European ascendancy, Europe lagged far behind China in many achievements. Since neither of them changed much genetically between those times and the later rise of Europe, it is hard to reconcile this role reversal with racial theories.

More important, the Chinese were not to blame for Europe’s problems– which would not be solved until the Europeans themselves finally got their own act together, instead of blaming others. If they had listened to people like Jeremiah Wright, Europe might still be in the Dark Ages.

It is hard to reconcile “exploitation” theories with the facts. While there have been conquered peoples made poorer by their conquerors, especially by Spanish conquerors in the Western Hemisphere, in general most poor countries were poor for reasons that existed before the conquerors arrived. Some Third World countries are poorer today than they were when they were ruled by Western countries, generations ago.

It’s sad, because when I talk to many people from other countries, like Mexico and Greece, they blame the United States for their own bad decisions, instead of imitating United States policies. Maybe if Mexico and Greece stopped blaming others and started trying to imitate the best countries, then they would be more like Chile. A few decades ago, Chile made a decision to re-make their economy to be more American than America. And the result is that they are seeing record economic growth. Prosperity has nothing to do with skin color – just with policies. Chile embraced good economic policies and now they are much richer than before. The main thing to do is to make sure that you have economists in charge, not community organizers. Canada has an economist in charge, and they just scored DOUBLE the GDP growth of the United States. Knowledge matters.

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