The Subcommandments – Do Not Lie

A friend of mine was recently traveling in the Middle East. While walking down a winding path, he stumbled upon this tablet of Sub-Commandments. It appears to be an authentic tablet of God's own elaborations and extensions of the Commandment "Do Not Lie." This a fascinating collection of good advice. This collection demonstrates that God foresaw all of the devious means of deception and half-truths that His people would someday use (including the technique of "paltering"). If these Sub-Commandments ring true to you, please feel free to share a copy of this image with any politicians, owners of "news media" or religious leaders you happen to know:

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Dad performs sting operation to catch teachers bullying his 10-year old autistic boy

This dad of a ten-year old autistic boy wired up the boy to see how his teachers were treating him. The results were shocking, and he now rightfully wants the school to fire all the teachers who heaped abuse on his son. I forced myself to watch and listen to the tape recordings. It makes me wonder how many other vulnerable people (autistic kids, mentally retarded kids, people in nursing homes) are abused. I couldn't blame other people who want to do these sorts of sting operations. Warning: in many states such as Illinois, these one-party consent stings would be illegal.

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How to buy happiness

Michael Norton points to the difficulties of winning the lottery, then suggests that there are ways to use money to buy happiness. One trick is to spend money on others, especially others with significant needs. His conclusion: "If you think money can't buy happiness, you're not spending it right."

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The mortgage crisis in a nutshell

I invite you to view a brand new 54-minute video (embedded below) titled “Mortgage Crisis in a Nutshell.” The presenter is John Campbell, a St. Louis attorney and educator. I work with John at the Simon Law Firm in St. Louis, Missouri. We gained much of our experience in this area of law by litigating numerous suits for mortgage fraud on behalf of homeowners, both individual suits and class actions. Also on behalf of homeowners, we've defended many unlawful detainer suits (attempts to evict homeowners). We've both become passionate about this work as a result of witnessing firsthand that many homeowners have been victimized by unscrupulous and unrepentant banks. In this 53-minute video John presents the main aspects of the mortgage crisis that has devastated the U.S. housing market and the economy. Our goal is empower all who seek to better understand what went wrong with the American mortgage system. As you will see when you click on the above link, this video can be watched in chapters: I. The Big Picture and its Many Parts (:55) II. Banks Flood the Market with Subprime Mortgages (3:54) III. Banks, Securitize their Mortgages (10:05) IV. Banks Cry for a Bailout (13:57) V. Wall Street Malfeasance (16:54) VI. Foreclosures, Robo-Signing, Trustees and Conflicts of Interest (18:20) VII. MERS ("Mortgage Electronic Registration System) (33:45) VIII. The Mortgage System Used to Work (43:42) IX. Credits and Further Readings (52:43) We created this video because we were frustrated by the fact that it is difficult to find websites and other materials describing the modern mortgage system in terms that are accessible to both lawyers and non-lawyers. As a result, many of our friends and acquaintances (those outside of the mortgage law community) don’t understand the inter-relationships among subprime loans, ratings of mortgage-backed securities, MERS, the bailout and robo-signing. The failure to understand these things is making it easy for the entities that caused this crisis to conduct business as usual. Because this system is so difficult to understand, too many people think the crisis was entirely caused by “irresponsible borrowers.” The result is that our national dialogue is obsessed with the alleged need for less regulation instead of discussing how to change the system to make sure this never again happens. We’ve used simple terms and basic drawings in order to make an opaque system understandable. Though it is undoubtedly slanted toward our perspective as attorneys who represent homeowners, we’ve worked hard to keep it factual and fair-minded. We ask only one thing in return for the link to this video. To the extent that you find it helpful to your understanding of the mortgage crisis, please consider forwarding this link to anyone else you know who would benefit from viewing it. Our aim is to spread this video widely through email, list serves, Facebook, Twitter, blogs, websites other social media. We certainly invite comments, both at DI and at YouTube. If this video works for you (or if it doesn't), please let us know. Thank you.

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Life by the numbers

In years past, I used to rest assured that I was in good shape, physically, economically and socially. That was before computers gave me the ability to know exactly how I'm doing. It used to be easier to pretend that one was in good health. Nowadays, hundreds of websites let you know about all of the diseases that threaten you, complete with many symptoms that undoubtedly match some of your symptoms. Of course there have always been books and magazines with medical information, but never before could you so easily pinpoint so many symptoms with a free Google search or a quick visit to the symptom-checker at Wrongdiagnosis.com. Economically, we used to put our money into some sort of mutual fund or other investment, and we considered that we were "married" to the account. Computers now give us the ability to track our financial health second by second. Computer-programmed trading also creates crazy jumps and plunges in the market. Ignorance was bliss, and many advisers argue that you should go back to finding a reasonable place to put your money, then ignoring it for long periods of time. Then there is one's social health. It used to be that I could assume that I had an indefinite (large) number of people with whom I had a friendship. That was before Outlook came along to tell me exactly who I did (and did not) know well enough to have a phone number or an email address. In Outlook, you'll get the exact number. Ooops. My social circle is not nearly as big as I'd like to believe. Perhaps you are thinking that Outlook is not the right place to look, and that one ought to look, instead, to Facebook. Thanks to the precision statistics offered by Facebook, we can see that the typical Facebook user has 190 friends. That's it? But what if I get in a bind or I get sick, and I need the help of a "friend." It seems like you could run through 190 "friends" all too quickly. It ultimately presents the same problem as Outlook. It gives you a finite number, and many of them are not really good friends, anyway, as much as I enjoy sharing information with them. A new article in The Atlantic, "Is Facebook Making Us Lonely," by Stephen Marche, should make us even more suspicious of the Facebook phenomenon (the article is in the May 2012 edition, not yet online). We learn (p. 66) that neurotics and lonely individuals spend greater amounts of time on Facebook per day than non-lonely people. He also writes that Facebook has become a place to pretend that one's life is better than it is, and that "believing that others have strong social networks can lead to feelings of depression." He also cites to research showing that "surrogates can never make up completely for the absence of the real thing . . . actual people in the flesh." He concludes that the idea that a website "could deliver a more friendly, inter-connected world is bogus." Further research shows that "the greater the proportion of face-to-face interactions, the less lonely you are . . . [and] The greater the proportion of online interactions, the lonelier you are." He adds that Facebook is not always a bad thing. Like many things, it is a tool that can be used or misused. "It's like a car. you can drive it to pick up your friends. Or you can drive alone." Then again, Facebook puts us into the business of competing with our "friends." "Facebook imprisons us in the business of self-presenting, and this, [according to author Jaron Lanier], is the site's crucial and fatally unacceptable downside." Facebook gratifies "the narcissistic individual's need to engage in self-promoting behavior." So think about this next time you smugly react to your "friend" count. Marche's article is far more nuanced than the above summary, and he would admit that there are many ways to use Facebook. I, for instance, use it to share article, including many articles from this website. I can't help but notice, though, that many people post on Facebook 8 times per day, and they would seem to fall into his description of those having a "narcissistic personality disorder." When you add up your Facebook "friends," then, to see how rich you are with "friends," you might want to set those narcissistic friends aside before counting. So this is life by the numbers, at least if you include this final number, which I take as a challenge, rather than a depressing fact (or use this alternate method of calculating your approximate number of remaining days). In sum, it appears that you will be happier (or at least you will think you are happier) if you get away from the computer and, instead, spend time with a good friend, face-to-face, talking about something other than your health, your investments, and you cyber social circle.

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