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Joined 11 months ago
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Cake day: June 15th, 2023

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  • Republicans have been manufacturing outrage at the border to score political points on a regular basis, like that migrant caravan which convenes every four years like a Fox News political convention.

    However, this recent crisis is a bit different, as we have numbers that show that there have been an increase in asylum claims at the border vs. before the Pandemic, which is overwhelming the courts that handle this sort of thing. If someone makes it over the border and claims asylum, it can take years to get a hearing, and in the meantime they can live and work here. That was not the intent behind the asylum process.

    Some Senators on both sides realized this, and used the opportunity to try and fix the asylum process. Yes, it also reduces the types of people who could claim asylum. But it also addresses critical staffing shortages in CBP and other agencies who have to deal with the influx of migrants on a daily basis.

    So, this is an evidence-based attempt to make things better. So, of course, Trump is against it, because using immigration as a campaign plank matters more to him than fixing the problem. As much as he complains about it, having the problem to talk about is more valuable to him than fixing it.


  • Back in the day, if a borrower didn’t have a 20% down payment banks would issue the first loan for 80% of the value, along with a second, shorter length loan for the difference between a 20% down payment and whatever the borrower could come up with for a down payment. It seems absurd, but in retrospect it was all part of the subprime lending push to write as many loans as possible, and sell them off. Two loans = twice the money!

    Then, when the rug got pulled out of the lending market in 2008 there were a lot of programs to consolidate (and even forgive) loans for people with predatory loans on homes they lived in. It sounds like these people were told over the phone their smaller loan was “taken care of”, which could mean many things. It could mean the loan was forgiven outright, or that the loan was rolled into a refinanced larger loan (which now had enough equity to avoid PMI, saving the homeowner money without actually forgiving any balances), or simply that the loan was deemed paused for some number of years. So, they continued to pay the first mortgage, while the second one was in some sort of limbo. Clearly the lender did something to it, since the homeowner received no statements, but it didn’t go away entirely like the homeowner was led to believe.

    I don’t mean to shift blame here: clearly, their original lender didn’t process that paperwork properly, and ended up selling the original second loan to a shady company that deceptively hid the loan to make it seem like it was in default, while the homeowner had no legitimate way of knowing it was still there. But what we should learn from all this is that nothing is ever official until you receive it in writing. If those homeowners had received and kept any documentation their loan modification, that showed the actual status of that second loan, it would be a lot easier to tell that shady lender to go pound sand. And whenever anyone from a bank tells you absurdly good news, ask for a followup letter and keep it forever.


  • Many machines now are paper based, the machines just scan the paper and deposit it in a lockbox, and the physical paper can be recounted if necessary. These are the machines I use in my district.

    The ballot is scanned right in front of you, and if you made a stray mark that would cause the ballot to be invalidated, or it detects an over/under vote, it informs you so that you have a chance to destroy the ballot and re-vote if necessary.












  • This frequently happens to me when going to Europe from the US. And that’s an overnight flight with a 5+ hour time change to boot,so I am very jetlagged upon arrival. Very often, if there is a room available that was unsold the night before they can accommodate you. But if not, the hotel can hold your bags while you go somewhere to kill a few hours.

    If you travel enough to get loyalty program status with one hotel chain, that can help too. Sometimes those higher tiers come with “guaranteed” early checkin. I’m sure that if they are totally sold out you won’t get the early room, but it’s possible someone else had to leave for an early flight and if you have the status they will take care of that room quickly for you.